23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing inaccurate pay history .... 


XXXX XXXX ACCT : XXXX Paid on time/ never late
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX Inquiry : XXXX XXXX, XXXX ; 2. XXXX Inquiry : XXXX XXXX, XXXX ; 3. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 4. XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; 5. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; 6. XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; 7. XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; 8. XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 9. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 10. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom th is may concern : I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau (  XXXX , Experian,   XXXX    )  are neglecting to verify the accounts properly to determine which ones are duplicates o r original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX l
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, I visited XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in order to buy a bed with my XXXX Credit Card provided by XXXXXXXX XXXX. I am not a first time customer here at XXXX, the short name of this store, and I simply informed the sales rep, I have a credit at this store in the amount of {$6000.00}, as the included images from the XXXXXXXX XXXX XXXX Credit Card clearly show. But, the sales repXXXX said because I didn't showed the credit card, he understood I was talking about other credit option with XXXX and proceeded with my purchase as a loan application that I never mentioned or talked about. I understood that after saying the XXXX dollars credit I have with XXXX, it was easy to understand I was speaking about their credit card. The sales representative did not understood this way and proceeded to make a hard inquiry for a new loan.
Product: Credit card

XX/XX/year> customer service will not allow customer account of application due from customer being bank liability XXXX XXXX term XXXX XXXX  from XXXX and sole owner to XXXX ( flying saucer ) that is an extension of customer 's limb of XXXX. Bank needs to balance ledger correctly as customer 's legal name is registered of XXXX XXXX. Customer 's bank asset legal name was changed in company application database by union military charging customer as federation military when customer is of a state with a english birth-given name that has a mandated rule applied to legal name the customer service of application broke.
Product: Student loan

In short, my student loans were all initially federal loans from the US Department of Education. I financed my entire education for XXXX, XXXX, and XXXX XXXX. I also paid my wife 's loans off as well. Several years ago Penfed Credit Union approached with an offer to consolidate my remaining loans. Seeing no other option as interest had compounded and my loan amount grew exponentially at a time I could not afford to repay I did move them to Penfed. Since then and over the previous repayment period, I have paid for what all three of my XXXX XXXX  XXXX costs at least one time. The interest that has ballooned my repayment amount shows I still owe {$130000.00}. I have working in poverty stricken public school districts in NJ for over 20 years. I have not been able to take advantage of the loan forgiveness program because my federal loans are with PenFed Credit Union. I would like to know if there is anything that can be done to forgive or reduce the amount remaining. 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian about 9 Inquiries that I have NO knowledge of. They always come back with the same MUMBO JUMBO, " it's suppose to stay there for 2 years. No, not when I didn't apply for it. I did NOT apply for credit with these companies and I DID NOT give any company PERMISSION to run my credit. The inquiries need to be deleted IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( TransUnion ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 



XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with XXXX XXXX reporting. Ive informed equifax I was Victim of theft and account doesnt belong to me. I received a letter from XXXX XXXXl that indicates they would delete account. Ive also attached a copy of letter from equifax saying this account isnt report. But account IS STILL REPORTING. Ive attached copies of the letters for proof
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

i WOULD LIKE TO DELETE THE FOLLOWING ACCOUNTS AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO ME XXXX XXXX  ( XXXX ) OPENED XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX
Product: Credit reporting

I would like to report multiple cases of debt re-aging by the XXXX. I have disputed with both Experian and XXXX multiple times, and in each instance the XXXX alleged debts are " verified '' and are allowed to remain on my credit reports. Now when I try to resubmit the disputes ( for at least the fifth time, possibly more ), I get a message from Experian 's website stating the items have previously been disputed and that they will not process duplicative disputes. The dates of first delinquency have been changed and made more recent on multiple occasions, allowing the erroneous " late payments '' to remain on my credit reports indefinitely. The true dates of first delinquency are well beyond a decade ago, and I continue to be penalized for these debts from XX/XX/XXXX ( this is XX/XX/XXXX! ). They are also erroneously reported again on my XXXX credit report as duplicate accounts with still more late payments reported by Dept of Education/XXXX.
Product: Credit card

On XX/XX/year>, I contacted XXXX and XXXX to find out why the XXXX card associated with Capital One was suddenly showing as closed and reopened on the same day on my credit report last week. The explanation is that XXXX ceased its partnership with capital one and it shouldve been a seamless transfer and should not show as closed but should register as a conversion. I was told to contact Capital One about this capital one representative was very concerned and escalated the matter and told me to submit a letter to their credit reporting team explaining that the merger is showing as an account closure and account opening when it shouldnt. This has drastically affected my score because it looks like a new account is on my account and a closure is on my account. I need this corrected as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Opened Date XX/XX/2018 ) which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

XXXX The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of recently I came to an agreement with the car company I had a loan with which in return my loan was squashed for a fee which ended up closing the account. Ive recently noticed that there are discrepancies from all three bureaus that reported on this account. There are inaccurate dates and balances alongside remarks that can potentially hinder my credit report. I sent letters out on the XXXX of XXXX disputing this account and noticed nothing was processed with all three bureaus. I will like to either have this account removed or to have the remarks updated to reflect positive. Please and thank you!
Product: Vehicle loan or lease

This bike was totalled and balance still showing in full. This case was handled by an attorney as my husband was involved in a wreck. The company has failed to have this addressed. Our attorney XXXX XXXX XXXX have also tried to resolve. This was involved with gap coverage and was paid off. I have been denied employment and credit due to this. I have spoken to legal department and all. This account was not treated properly or handled professionally at anytime and covid caused it to be very difficult to reach anyone. I have included the copies that were sent to our attorney via email because Motolease never sent any correspondence to me in regards to payoff. This is still showing on my credit and affecting me with other things overall. This is my second consumer complaint because the company responded with a random reply not addressing the issues as they have been since the beginning of this lease. I signed 5 copies of the lease after picking up this bike. I have several call logs and other documentation I just want this removed completely the bike has been paid off were told this a long time ago and nothing. Call me explain don't just allow this company to reply without fully investigating.
Product: Debt collection

In XX/XX/XXXX I moved from an apartment, with the permission of the property owners. I moved due to water problems in the apartment, i.e. it rained thru the bottom of my back door and the carpet in the dining room was soaked and mildewing. A water pipe in the upstairs bathroom was leaking and caused the kitchen cabinet to fall off the wall. I had no problems with my move and have been able to lease housing there was no negative information regarding leases on my credit report, until XXXX XXXX. In XXXX I received a notice from Absolute Recovery Services, a collection agency ; that I owe {$500.00}, my lease in XXXX was for {$610.00} a month. They also indicated a payment was made in XXXX of XXXX. I did not make a payment to them. 
I spoke with the agency via telephone and let them know the resolution I had reached with their client. 
The lady stated she was going to submit the charge to the Credit Bureau. Which she has done. I have disputed the claim with XXXX twice and learned they do not verify information that creditors submit. If I had owed rent to the creditor it seems to me ; they should have notified me of that in XXXX, and/or gone to court to get a judgement. He did neither of these options. Instead 4 years later I am being harassed by a collection agency for an amount that does not even match my lease agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 lates on my credit report that shouldn't be there. I fell behind because i got XXXX in XXXX and couldn't work for 3 weeks. I contacted XXXX XXXX about this and they were supposed to be understanding. I made my payment as soon as I was able to in XXXX and I thought i was up to date - apparently they charged me a late fee that I wasn't aware of, my account looked fine online, so I just kept making my payments. Come to find out that a late charge was on my account that hit my credit report in XXXX, XXXX, XXXX, XXXX and XXXX. 
I can understand one late charge, because I truly was late in XXXX, knew I was going to be and called XXXX XXXX for circumstances out of my control, but to have this continue to roll into several months is XXXX. 
My account is paid up to date as of now, but my credit is suffering for this. It is not fair.
Product: Debt collection

On XX/XX/2018 at approximately XXXX XXXX, I received a phone call from a person whose name was XXXX XXXX from XXXX at the XXXX XXXX XXXX in regards to a legal matter that came across his desk with my social security number. He then said the last four digits of my social and said that I had fraudulent charges pending. That If I did not return his call and give a statement it would result in an immediate summon at my residence or work place and possible cash man of wages. They said for me or my representing Attorney to call them back at XXXX ext. XXXX. I called back the following day at XXXX and a man answered phone and began harassing me and trying to force me to give a statement. They said they were going to record me and use it in the state of law court. I asked them to send me a validation number and that I would not release any information before this is done. They kept trying to harass me and tell me that they were serious about the charges. I ended the call and called Ace Cash Express directly. I was informed that they had sent my collections to a different Agency for holding and that they were not the ones calling. I'd like to report this scamming agency that have the phone number XXXX, threatening to appear at my job and call my employers.
Product: Debt collection

XXXX XXXX adjust Amount XXXX XX/XX/2020
Product: Checking or savings account

hi I went to the XXXXXXXX XXXXXXXX XXXX XXXX branch on XX/XX/XXXX and opened the business checking account with promotion of deposit the {$50000.00} for 60 days and get {$1000.00} bonus. I signed theW-9 forms and deposit the check on XX/XX/XXXX and move the money out on XXXX XXXX, but until today XX/XX/XXXX, i still did not get the bonus as promised. i have emailed the banker since XXXX, XXXX, and she opened the case for me, but still no result. i have emailed and called several times asking for the bonus, not result.. which is very upset
Product: Checking or savings account

In XX/XX/XXXX, I was required to open a checking account at First Citizens Bank ( FCB ) as part of the creation of a personal line of credit. Both accounts were set-up for online access and I had no material issues with the accounts or FCB for years. In mid- to late-XX/XX/XXXX, my online access no longer worked so I attempted to reset the password. After several attempts ( required calling customer service as opposed to automated system ), the reset process worked only temporarily. Eventually, the account was closed in late XX/XX/XXXX by the bank due to inactivity after the checking account balance was used to payoff the line of credit earlier that year. I made requests for the checking account statements, which primarily reflect interest income payments, but FCB is charging {$7.00} per monthly statement. That seems to be excessive for what should still be available online and are one page statements at most.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX XXXX  bankruptcy ( no-asset ) and is dismissed. I contacted the credit card company and advised them I had filed. I disputed several times with the bureaus and they continue to report non payments every month and I know its illegal due to they went into the bankruptcy. Opens credit card account in XXXX of XXXX and filed ban XXXX  XXXX in XXXX of XXXX. Dismissed in XXXX of XXXX. They continued to take payment automatically for 5 months. I stopped the auto payment and have been reporting missed payment for every month after. I have consulted an attorney and he recommended this report
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. Rectifying these issues promptly is crucial to ensure the accuracy and fairness of my credit profile. 

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : Inaccuracies exist in the reporting of late payments on my credit report. 

2.Credit Utilization : Reporting of credit utilization on my credit report contains inaccuracies. 

3. Personal Information : The reporting of personal information, such as names, addresses, phone numbers, and employers, is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information. 

5. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ). 

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ). 

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with Experian, XXXX, and XXXX. 

9. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested. 

10. Correction of Personal Information : I request the correction of personal information to reflect only one name ( XXXX XXXX ), one address ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX ), one phone number ( XXXX ), and no employers. 

11. Deletion of Personal Statement on XXXX Report : I request the immediate deletion of the personal statement on the XXXX consumer report and the balance of credit scores. 

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in Experian, XXXX, and XXXX systems concerning my consumer report. 

13. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

Sincerely, XXXX XXXX