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

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/24 Subject : Dispute Regarding Inaccurate Debt Reporting Violating FCRA Dear CFPB, I am writing to formally dispute an issue regarding the inaccurate reporting of a debt on my credit report, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 



Account Information : - Creditor Name : XXXX XXXX Account Number : XXXX - Amount : {$270.00} I have discovered that this debt is still reported on my credit report by XXXX, even though it has been sold to another debt collector. Under 15 U.S.C. 1681s-2 of the FCRA, once a debt is sold, the original creditor is required to update the reporting to accurately reflect that the debt is no longer owed to them. Reporting this debt as still outstanding under XXXX XXXX name is misleading and inaccurate. 



This misreporting has had a negative impact on my credit score and has affected my ability to obtain credit. I have attached copies of my credit report highlighting the disputed entry, along with any correspondence I have received regarding this debt. 



I request that the CFPB investigate this matter and take appropriate action to rectify this violation of the FCRA. Additionally, I would appreciate any guidance on how to further resolve this issue with the relevant credit reporting agencies and creditors. 



Thank you for your attention to this important matter. I look forward to your prompt response. 



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

I have already send complaints and letters to the bureaus and to the companies and they never response to my request to provide proof of validation, payment history and all the results of the investigation but they never provide any of the request I sent. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review of my most recent consumer report it, it has been brought to my attention that XXXX XXXX XXXX  XXXX Account # XXXX, Amount {$17000.00} has violated my consumer rights. 

After review of the Fair Credit Reporting act Fair collections and outsource has viloated several of my consumer right and also have reported inaccuracies on my consumer report. 

VIOLATION - 15 USC 1692 ( B ) VIOLATION - 15 USC 1681 ( 4 ) VIOLATION- 15 USC 1692F- UNFAIR PRACTICES VIOLATION- 15 USC 1681 ( B ) VIOLATION - 15 U.S.C 1681 ( A ) 5 I, the consumer has reached out to both the original creditor as well as the credit reporting agency on several occasions to recity this inaccuracy. I have also filed an FTC report informing the consumer reporting agencies that I have never held a account/contract or any form of communication with XXXX XXXX XXXX XXXX. I have requested a investigation also be completed that was not accurtely done. 

Attached you will find several findings based solely off my research as follows : FTC affidavt, Cease and Desist letter, ID of consumer, copy of most recent credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

removing security freeze for fixed period of time. Equifax failing to provide PIN and/or means of obtaining PIN that are NOT SNAIL MAIL
Product: Money transfer, virtual currency, or money service

I was contacted by my daughters camp on XX/XX/XXXX stating they never received my XXXX  payment. I checked XXXX and it said it was paid but not delivered. I called capital one and they said the money wasnt delivered and the same issue was with XXXX other payments as well- totaling XXXX dollars. They opened XXXX cases on XX/XX/XXXX which initially all got denied by the XXXX because they claimed the money was sent properly and all information was correct. I called right away and said they need to reopen the case because I had the money taken out of my account for XXXX transactions that were never successfully delivered. Since then I have spent hours on the phone trying to get this resolved but they keep telling me theyll escalate the case and adding more days to their investigation. I also spoke to XXXX and they said capital one has to resolve this issue because theyre the issuing bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! 
After reviewing my credit report and after much research, I notified equifax XXXX and transunion to verify bankruptcy info on my reports. 
They responded saying they verified using a 3rd party, XXXX XXXX, but my XXXX XXXX account is frozen. 
So how were they able to verify using that source. 
And XXXX XXXX has no permissable purpose to report 3rd party info as well as the credit bureaus dont have the right to report BK because they didnt do due diligence or verification directly from the court house. 
They must verify where they got the source of info from. 
Therefore I am filing a complaint to have the bankruptcy public record removed from my Equifax, XXXX, and XXXX report.
Product: Debt collection

I received multiple robocalls starting on XX/XX/25 from XXXX asking me to return the call to XXXX. I contacted them first on XX/XX/25 and was asked for a merchant ID for them to look up my account. As I do not have a merchant ID to my knowledge with this company, I advised them of this and instead they looked up my phone number. At that time, it was confirmed that my name, nor the name of my business does not match the information listed in their records. The representative was unable to provide me with any additional information about whose information comes up. I contacted my business 's merchant processing team and advised them of the calls being received. We then got on a 3 way call with First Data XXXX Services again and once again it was confirmed that this debt is not my debt nor my business debt. They confirmed they are unable to locate any information regarding myself or my business. On that call, I asked them to please remove my phone number from their records and to cease contact as this was not my debt and they are harrassing me. The representative promptly ended the call saying I was threatening her. 

I contined to receive multiple robocalls between that date and today for the same issue. On today, XX/XX/25 I called the XXXX number again and experienced the same issue. The representative advised again that my name nor my business name came up in their records but rather a different name to which I have no knowledge of this person. I asked this representative to please remove my number from their records and for the calls to cease. The representative advised me she was unable to do so and I would need to speak with their customer service department to remove my number since the information does not match. I was given the number of XXXX for their customer service department and was transferred. After speaking with the customer service representative, he advised that they are unable to locate any account information for me or my business. I asked him to please communicate with the collections department to ask them to cease contact with me and was advised that he was unable to do so as the two departments do not communicate. I asked what resolution could happen as I have asked multiple times for contact to cease and I am being harrassed. He advised there was nothing that could be done. At that time I asked to speak with a supervisor, was placed on hold for 15 minutes and then the call was disconnected on their end.
Product: Credit card or prepaid card

Although I am not sure what happened exactly. I know I did dispute a charge with XXXX. Because XXXX uses a company called a XXXX who is known for stealing packages. I packed was stolen. I requested a refund for that package, and I also requested a refund for each pair of shoes that was out of stock. I was waiting on the refund for the second pair of shoes. Theres also a pending refund for a XXXX order. 
I made this call on XX/XX/XXXX. I received my refund for the first pair of shoes on XX/XX/XXXX I saw the second pair was still pending. I also saw the other dispute was open. 

On XX/XX/XXXX around XXXX XXXX  I tried to log into my account I couldnt login. I called customer service. They told me my account was closed. He told me to check my email. I saw the email was sent 43 minutes before I called. 

My direct deposit for work goes there. I was going to pay my rent, which was already late now I am going to be evicted. That is my whole direct deposit check. Im also a new parent with a newborn who needs things, and I was given less than a 24 hour notice. I could have called my payroll department to stop payment to issue me a paper check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPb, In XX/XX/2020 I included XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX petition in XXXX XXXX in XXXX XXXX. 
Attached are my acct # with both creditors. They are still reporting the late payments in 2020 in current credit file. I have disputed these with Experian but they are not reporting it accurately as these accts are " included in XXXX XXXXXXXX XXXX petition/never late. 
Please assist me to resolve this matter. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an item on my TransUnion credit report 4 times sent a written request that they investigate/remove an collection account from XXXX XXXX XXXX for {$140.00}. Each time the dispute comes back as " Verified '' as my account but they do not show any proof as to why/how they could " verify '' the account as being mine. I want a REAL INVESTIGATION to be done by TransUnion that will show that this debt can not be mine.WITH PROOF! It is impossible that this account can be verified as mine because I have never done business with this company or the original creditor. Please assist me in getting this item removed from my credit report. P.S this item is a medical collection account and I can show that I have had health insurance for the past 20 years with no lapses or failed payments. Theres no way possible this can be my account.
Product: Checking or savings account

I received an email stating that the phone number associated with my new Chime account had been changed. I do not have a Chime account, nor did I apply for one. The phone number is XXXX XXXX XXXX. This number belongs to HHS OIG. 

I have called Chime and they immediately closed the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Under dispute Date opened XX/XX/2023
Product: Mortgage

The covid forbearance on my mortgage was scheduled to end XX/XX/XXXX. In XXXX, I told Flagstar Bank, my servicer, that I wanted the covid-19 payment deferral option to keep my mortgage payments, but was interested in what the numbers looked like for a loan modification. They told me they would send the file to underwriting and let me know in a few weeks. On XX/XX/XXXX, they came back to me with a loan modification option that would increase my principal balance by {$26000.00}, and told me that the covid 19 payment deferral option was no longer possible since my forbearance period was over. This additional debt puts an undue hardship on my finances as I attempt to put my life together after the pandemic.
Product: Vehicle loan or lease

On XX/XX/23 I RECIEVED A APROVAL from carvana to purchase a vehichle through carvana on XXXX XXXX XXXX  aplication process. After about a month of continued hassles, delays, phone conversations, online chats, and procrastination on carvanas part I was finally able to get the aplication to go through or so I thought. Carvana even made me purchase a insurance policy on the vehichle I was going to purchase but in the end they never sold me the car.1st when I made contact with the carvana team within 48 hours of getting the APROVAL the lady was nice sh instructed me to pick out a car and run my car of choice through the online system, she said that it would take about twenty minutes and then she congratulated me and I was on my way. I picked a car out and started the aplication process but it was paused for ( issues with my terms ) error message! I RECIEVED that error for a week then it changed to ( we are having trouble verifying your identity ) which is the error that I am getting to this 1st : I have spent hours on the phone several different times with XXXX who carvana was trying to blame for the problem that was causing the error. 
A specialist that worked for XXXX made a bold claim that carvana was not being honest about selling me a car that there was nothing preventing carvana from selling me a car that involved XXXX 
2nd carvana never sent me a notice in the mail giving any reason why I was being denied carvana financing! 
3rd : carvana made me purchase an insurance policy on a vehichle they where supossed to sell me but never did!
Product: Payday loan

My name is XXXX XXXX XXXX and I am disputing the accuracy of the information o my XXXX Credit Report. On XXXX/XXXX/XXXX, received a copy of my XXXX Credit Report. The dispute is with REAL TIME RESULTIONS # XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ). I do n't recall opening an account with the aforementioned retailer. My Bankruptcy discharged XXXX/XXXX/XXXX. 

Placed for collections : XXXX/XXXX/XXXX Balance {$1900.00} Original Creditor : XXXX ( Retail ) Should you have any questions regarding this matter feel free to contact me at the contact information below. 


Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting

XXXX 's XXXX XXXX will remain on credit report as a debt written off by company in 2011. A recovery company can not assume a written off debt. They must remove their company from my credit report, due misrepresentation of written off debt by another company. Plus there has been no billing in XXXX plus years from either company. I had unemployment insurance that was suppose to cover all debt. XXXX did not honor, they just applied what I had paid unto bill. I will not assume a debt that has been written off and Transunion should remove this company & Transunion can not change the status of the original write off to assumed debt by portfolio. XXXX can not write it off getting credit from the government for bad debt. They can not sell off zero balances. I will join a class action filing if this is not remedied.
Product: Student loan

I graduated with an XXXX in XXXX. I learned about the Public Service Loan Forgiveness program around XXXX and spent time researching about the program. I continued to research online over the past 10 years, as there were many forms and changing web pages to read through. I began working with low income families in a XXXX XXXX   in XXXX. As a single mom, I was counting on the PSLF as part of my career of service and retirement plan. On XX/XX/XXXX, my employer submitted an Employment Certification Form at my request and by the end of the month I received a letter from XXXX detailing that I had no eligible loan types for the loan forgiveness program. Unfortunately, through all the research and loan repayment plan applications I had completed over the years, I did not get the correct information to qualify for PSLF. Apparently, my loan types, FFEL, were phased out around XXXX and replaced by XXXX   XXXX. The only option I had was to consolidate my loans into XXXX XXXX. Now my ten years of service starts over and I don't even know if the loan forgiveness program will still exist in XXXX. Both my loan servicer and PSLF Program were not looking out for me. Maybe I could have gotten the correct information about qualifying for loan forgiveness if I would have known what specific question to ask, as I am a resourceful person ( I find information about community resources for a living ). I feel tricked by fine print.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XX/XX/2019 filed identity theft report with the federal trade commission {$390.00} {$500.00} acct number XXXX XXXX XXXX XXXX acct number XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX wa XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I don't understand if those items were disputed and deleted from my credit report why they're still showing on my credit report as a negative item, this is really unfair to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX All of them is showing as negative on my credit report which is incorrect.
Product: Credit reporting or other personal consumer reports

Wellsfargo refuses to remove inaccurate reporting from my consumer report knowing they are in fact reporting inaccurate information. I have attempted to resolve this manner several times. can you please investigate why they refuse to follow the laws of the FCRA. Attached is the information being willfully reported on my consumer report. Account number XXXX The law states the Following : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

I have been in a rate reduction program for a year with Navient. The agreement requires that Navient draft the amount due from my checking account each month for 12 months. In XXXX, I realized that the draft did not occur so I called to find out why. I was told by three different representatives that I did not have a balance due and that no payment needed to be made for XXXX. In XXXX, the draft also did not occur but my online account showed a balance due of XXXX across all of my loans so I made a payment through my XXXX account. I began receiving phone calls last night at XXXX about a delinquent account despite my full payment. When I checked my account this morning it showed that my payment had only been applied across 3 of my 5 private loans. When I called this time, I was told that the person I spoke to in XXXX was incorrect and if I did n't make an extra payment of {$40.00} today, all 5 of my loans would still be delinquent because I missed a payment in XXXX ; the payment they claimed did n't exist. The representative also informed me that the person who set up my payments last XXXX, mistakenly did not set them up for the full length of the program which caused the lack of drafts in XXXX and XXXX. I made the {$40.00} payment but there is clearly something VERY wrong with Navient 's accounting practices. Please look into this so they do n't railroad other consumers into paying unnecessary late fees and ruin their credit ratings.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account Name : XXXX XXXX Account number : XXXX XXXX. Account XXXX : XXXX Account number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX XXXX. Account Name : XXXX XXXX Account number : XXXX I am requesting the following addresses to be removed from my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I initiated an Experian Credit Bureau dispute on 10 Credit Bureau reporting accounts Dept of Education/XXXX , the accounts had been transferred to XXXX/Dept of Education on XX/XX/2023 XXXX Experian responded on XX/XX/2023 the dispute process was completed and no changes to the XXXX account had been updated, it remained the same. Therefore Experian is continuing to report 10 duplicate Federal Student Loan accounts the balance with XXXX remained on my report. 
On XX/XX/2023 I filed another dispute with the Experian Credit Bureau to dispute the same 10 Credit Bureau reporting accounts Dept of Education/XXXX , my dispute is the accounts have incorrect balances, the balances are XXXX. XXXX was paid in full XX/XX/2023, XXXX should no longer be reporting a balance as of XX/XX/2023. 
On XX/XX/2023, I received Experian response to my dispute, dispute process was complete. The information remain unchanged. I had difficult reaching someone at Experian, that's ongoing issue, contacted member services who transferred my call to dispute representative who understood my dispute, however best the rep could do was to file another one. I informed the Experian Rep, the information is easily confirmed via their website and automated system, the 10 accounts were paid in full XX/XX/2023 total {$130000.00} and all account balances reflects {$0.00}. This is two disputes, I informed the rep, Experian should be capable to correcting this information through a phone call themselves, I should not have to wait another 30 days to get another notification that the dispute was complete and the information remain unchanged due to their inability to confirm the balance with XXXX. It's unfair to me as the consumer and I have information being reported that is incorrect and is knowingly incorrect but Experian fail to update it. I have attached a copy of the XXXX Statement and Payment history that reflect the date the payments were paid in full and the balance is XXXX. Why is this unable to be correctly updated in Experian Reporting? This takes up too much time to continue this process, it's very frustrating, really wish you guys consider doing away with these type of consumer reporting risk companies. There has to be another way to obtain accurate information without consumers having to go through this type of steps to learn it is not removed after having written and confirmed proof.
Product: Credit reporting or other personal consumer reports

I AM WRITING IN REGARDS TO THE FRAUDULANT UNAUTHORIZED INQUIRES THATS REPORTING TO MY CONSUMER REPORT, I AM REQUESTING THESE INQUIRES TO BE DELETED FROM MY CONSUMER REPORT ASAP UNDER 15 USC 1681c-2 BLOCKING INFORMATION IN REGARDS TO IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Incorrect information on credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX : I was never late in XX/XX/XXXX. Please update this account as Paid/Current XXXX XXXX XXXX XXXX : I was never late In XX/XX/XXXX. Please update this account as XXXX XXXX XXXXXXXX XXXX XXXX XXXX I was never late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX