23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I started a dispute. Experian said they validated the account. They did not explain what they did. XXXX XXXX was unable to validate the account and sent me a letter saying that they would not continue to report this account to the Bureaus. Accounts are still being reported.
Product: Debt collection

Jefferson Capital Syst. balance {$390.00} not my collection no proof of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2019 I sent a certified, return receipt letter to Equifax requesting method of verification of a medical collection showing up on my credit report with them. I received my return receipt acceptance dated XX/XX/2019. As of today XX/XX/XXXX, I have still heard no word from them. I was asking for a very simple request and because they refuse to cooperate or respond, they are in violation and abusing the system just because they think they can. 

FCRA 611 ( a ) ( 7 ) provides : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of  XXXX    XXXX    Capital One reported a 30 day delinquency on my credit report, which decreased my credit score  by  XXXX  points. The company alleged I was delinquent on the account and made several attempts to contact me however to date I have not received a letter or phone call. In learning of the delinquency I immediately paid the card in full, as the balance was less than {$100.00}. I was advised I would be contacted with in 48 hours by a manager to further discuss the situation, that  was on  XXXX   XXXX  and no one has contacted me.     Up until this point I have never been late with any credit obligations, car, mortgage, student loans, credit cards, my credit has been perfect.     But do to  this one incident I feel Capital One has ruined th e good credit I have maintained for over 20 years.
Product: Credit reporting

This data was deleted from my credit report, and reinserted. 
This was a fraudulent account
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

All student loans were consolidated back in XX/XX/2017. 

Several still appear on my credit reports ; erroneous to outstanding instead of consolidated. 

I have made payments for OVER Two ( 2 ) Years, CONSISTENTLY, Every Single Month - Yet the agencies and Great Lakes Student Loan servicing still shows me INCORRECTLY in Default! 

I Further REFUSE to sign their treacherous paperwork reaffirming this incredible, swelling debt beyond payday loan shark rates. It is one thing to pay  for my XXXX  school education in finance, it is another to pay at rates beyond that of any mortgage, car, credit card or auto loan which would legally be allowed to be refinanced, let alone with CORRECT information! 

PROPER reporting is required! Show the on-time payments EVERY SINGLE MONTH!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were obtained through identity theft. I have sent police report, my id, copy of a bill, and social security card. The bureaus still will not remove the accounts. 

Accounts are XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Department of Education, XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

I will precede will legal action if this matter isn't resolved. It's been over a year and still no results.
Product: Credit card

I have had two scam/identity theft related issues to Barclay Card this calendar year. 

1st : My statement on my existing account with the company showed an address change to XXXX XXXX, XXXX XXXX ( I live in XXXX ) That was apparently changed back when I contacted the company. 

2nd : I received a letter trying to open credit card in my name. Reference number XXXX. 

I called it in a week or so ago but apparently someone is trying it again or whomever I called lost the information. 

I want the credit application quashed and better identity controls at Barclay Card Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These address are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information. 
Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts in collections are reflecting items that were initiated from an XXXX data breach and I don't have any knowledge of these negative accounts or balances. This account is under litigation and would like these deleted and removed immediately. XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX
Product: Checking or savings account

Chase closed my account unexpectedly about a year ago with a positive balance and never sent the funds. I requested a check but it never showed up. So Im hoping that someone can look into this an help resolve my issue. They said they sent the check to XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX but it never show up. My new address is XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.
Product: Credit reporting or other personal consumer reports

I couldnt believe my eyes this morning when I saw false accounts listed on my credit report. Im so confused because I routinely check my credit report, and this time, these errors just popped up out of nowhere. Thinking it might be a simple glitch, I refreshed my browser, but the inaccurate accounts didnt disappear. Given this frustrating situation, Im requesting that the documents Ive submitted be thoroughly reviewed so I can avoid any future worries.
Product: Credit reporting

I filed a dispute with Equifax , saying that a XXXX XXXX account was reporting as a charge-off, when it should be reported as included in bankruptcy. I uploaded documents showing concrete proof that the XXXX XXXX account was included in bankruptcy, yet Equifax refused to correct the error. 

I 've attached the documents : one showing that in XXXX the XXXX XXXX account was included in my bankruptcy. The second is my Chapter XXXX discharge form in XXXX, showing that my bankruptcy case had been discharged. I do not understand why Equifax dismissed these documents, when they CLEARLY prove my case.
Product: Credit reporting or other personal consumer reports

I submitted a notarized report to XXXX XXXX credit reporting businesses ( XXXX, Equifax, XXXX ) in XX/XX/2023 stating I have inaccurate and old information they are reporting. The credit agencies i contacted never responded and is still reporting inaccurate address and employer information. 


My address is inaccurate and is being reported several variations. 
I have ( XXXX ) correct address XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Previous employers are inaccurate and being reported I DO NOT work at XXXX XXXX XXXX XXXX XXXX Foucs XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is but a brief history of a very difficult and unnecessary problem that I have endured for the past three years ; with the only result being my damaged credit. It all began in XX/XX/XXXX, when I moved into XXXX XXXX XXXX XXXX XXXX  in XXXX XXXX, Maryland. Shortly after I moved in, a neighbor began harassing and stalking me. I notified the office manager after each occurrence. I would also contact the police who would complete reports of the incidents. As the stalking progressed, I eventually filed a peace order against this individual. In XX/XX/XXXX, the apartment office manager authorized a move to a different location on the property. Because she said, " of all of the trouble you've had ''. However, the stalking continued even at the new location. When I contacted the Police at this time, I was told that the individual was likely watching me and keeping note of my movements. Due to this, and for my own safety, I put in notice of my intent to permanently move from the property. During this time my rent was current and I continued to pay rent. Prior to my move, I notified the office manager via email, that I would be travelling on a scheduled trip, outside of the country. Also, in the email was a request to the office manager, to provide me with the final amount of the rent. Instead of responding to this email, the office manager initiated a judgment and eviction notice. With the full knowledge that I was out of the country and could not respond. Upon my return to the United States, I appealed the judgment. The judgment and all fees associated with it were dismissed by the Judge, at the hearing. Although dismissed, the office manager still sent these fees to National Credit Audit Corporation, for collection. The collection agency has, in turn reported the collection to the credit bureaus. Although National Credit Audit Corporation has been provided with the information to end the  collection, their collection efforts continue. And the collectors refuse to end their troubling collection practices insisting that I am responsible for the fees, although the facts prove otherwise. I have disputed this collection with the credit bureaus at least three times and I have provided two copies of the judgment. During this time, I have also, per my attorney 's advice, sent a cease and desist letter, to the collection agency in response to constant and harassing phone calls. The credit bureaus have only exacerbated the problem, insisting that the collection agency decides whether or not the collection is removed from my credit report. Further, my credit score improves somewhat after each dispute, only to have the score drop after the collection is again reported to the credit bureaus. My most recent credit score having dropped nearly 100 points. The collection agency has been deliberate and methodical in their repeated attempts to permanently ruin my credit. National Credit Audit Corporation has been sued for debt collection practices and has been repeatedly reported to the Federal Trade Commission.
Product: Debt collection

I received notification from Rockford Mercantile Agency in  XXXX, IL in XX/XX/XXXX stating I owed {$150.00} to my former leasing company. However, this debt was paid off in XXXX. I called Rockford Mercantile and spoke with someone name XXXX, before the 30 day time frame was up, and they said I could send them a receipt to their email. I sent the receipt and never got a response that they received it. On XX/XX/XXXX, the collection was reported to my credit. On XX/XX/XXXX, I sent a letter offering to pay a settlement to get this removed from my score. I have yet to receive a response, however, they re-reported the debt on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have sent out numerous letters and requests to Transunion the most recent was XX/XX/2024. However the credit bureau said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to. 

How did they complete the investigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I sent my FTC report and my license to XXXX, XXXX, and Transunion. I will be filing a civil suit for reporting fraudulent accounts on my consumer report.
Product: Debt collection

I'm writing to delete the following information on my account. The items have not been verified. I'm sure they don't belong to me.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 years ago I suffered a theft of financial data by a XXXX employee, when I discovered this I ordered a free on credit, we had several fraudulent transactions as a result of this theft. The freeze tht I ordered was suposed to have been permanent. However on XXXX XXXX this year a purchase was made and finance was done through XXXX XXXX in XXXX GA I was never consulted about unlocking my freezer nor have I unlocked it for any purpose since freezing it. XXXX is unresponsive to hone calls, and now it has given my information to another set of criminals without my consent. 
I would like to have my information removed from their database, period as it is not safe. 
They have been irresponsible and reckless with my finacial information, and are freely giving credit in my name to whom ever requests it
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account on my credit report. I have tried to dispute it with Experian but there is not way to do it electronically and the phone number provided does not connect to anyone. I have no knowledge nor business agreement with XXXX XXXX XXXX nor their client XXXX XXXX. 

My identity has been stolen in the past and my information compromised during the Experian breach. I am XXXX  XXXX so I can not drive a car so there is no need for my to apply for car loans nor insurance!
Product: Student loan

I received a text from a colleague at work from facebook link about student loan forgiveness. I told her that it is a hoax. She stated it is legitimate. It says that Obama to forgive {$7.00} XXXX dollars of Student Loan debt. The number is XXXX. I called it the first time and a voice message said to call back, lines were busy. I called back and spoke with a XXXX XXXX at the Student Loan Relief Dept. Her number is XXXX. I gave her my personal information, address, phone number, ss #. XXXX stated that if I qualify my federal loans could be reduced. She asked where I worked, my income. She also asked if I had any children. I told her that I did not. She also asked if I help any of my family members. I said yes, when I have money. I will try and help out. I still told her that this sounds too good to be true. This is not legitimate. She said that they work with the Department of Education. I said how is that possible. This is not accurate. She proceeded to inform me that I qualify for the forgiveness loan and that my monthly payment would reduce to {$20.00} per month for 20 years and the balance would be forgiven. She also proceeded to say that there is a fee to be paid of {$1300.00} and in some cases the fee is {$1900.00}. XXXX had put me on hold for several minutes. I had a bad feeling. She returned stating that she need to get some water. I listened. Then she asked me that I would have to pay the fees. I continued on and he requested my bank card. I provided her the number and something felt not right. I searched this third party company. It is Manhattan Beach Venture , LLC in XXXX, California. There were horrible reviews about what they really do. They take advantage of people. I opened my account to see a {$.00} withdrawal from my bank account after she said that my first payment will start at the end of XXXX, 2016. I called my bank from my home phone while she was on my cell phone. I told the representative what was going on, I immediately asked her to cancel my bank card. She did and noted my account. I have a new card now. But XXXX still has my information. I also called the FBI and reported it. They took my information and provided me with the FTC 's number. That is why I want this to be investigated. I told XXXX that my social security number has been exposed after I signed these documents. Her reply states that it is only exposed on my document which did not make sense because she already had my social security number. She continued to say that she has helped alot of students with huge loans. She stated that if I did not believe her that I can contact her boss. His name is XXXX. His number is XXXX. I did not call the number.
Product: Student loan

XX/XX/2022 - federal student loan remains on pause, however according to my Aidvantage account I owe on all my loans as of today. Attempting to access email or online help is futile as it only asks you to log into account- which I already was - only to get stuck in a loop of logging in, No help, logging back in. 

If I have to pay I will because I dont want the incompetent practices going on already jeopardize 10 years of flawless on time payments through XXXX  - this is a disaster.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX Account Number # XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, QUALIA COLLECTION SERVICES, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Consumer ADJ 1304 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Checking or savings account

Discover will not send me my funds ( transfer to other bank ) without overstepping their requests for more information. I am a long-term client, but now that I am withdrawing my funds, Discover is making it extremely difficult to the point of impossible to obtain my money.
Product: Credit card

I am writing to express my immense frustration and disappointment with the customer service provided by American Express in relation to my Hilton Honors Credit Card, which includes the Priority Pass benefit. I have encountered a critical technical issue with the registration of my Priority Pass, and despite opening two separate cases with Amex in the last three weeks, I have yet to receive a satisfactory resolution to this matter. 

The first case was initiated on XX/XX/XXXX ( case number XXXX and XXXX ), and I was initially told that it typically takes 7-10 days to resolve such issues. However, it has now been well over 3 weeks, and I have not received any updates or progress reports from Amex regarding the status of my case. This is not only unacceptable but also extremely inconvenient for me, as I rely on the benefits associated with my Hilton Honors Credit Card, including the Priority Pass. 

When I called Amex seeking assistance, I was met with further frustration. The customer service representatives could not provide me with a specific timeframe for when the issue would be resolved. I was simply told to wait, which is not an acceptable response, given the extended time it has taken to address my problem. Furthermore, there was no offer of any alternative solution or workaround to mitigate the inconvenience I am experiencing.