23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 15 USC 1681. 

CONSUMER XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
HAS VIOLATED MY RIGHTS.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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may take 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 inaccurate.
Product: Credit card

I discovered I had been the victim of identity fraud. Someone had used my personal information to fraudulently open several credit accounts and services. I obtained a copy of my credit reports and discovered an American Express Card opened on XX/XX/2016, had been one of the fraudulent accounts. I called and sent letters to American Express to inform them of the fraudulent account. Additionally, I informed American Express a fraudulent bankruptcy petition had been fraudulently filed to cover up the identity fraud. I also requested a copy of the fraudulent application for a police report. American Express would not send a copy of the fraudulent application. American Express said the information on the application matched my information so the account was mine and I needed to pay the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. HYUNDAI CAPITAL AMERIC XXXX Open Date XX/XX/ Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Product: Credit card

I have a paypal account line of credit. I used it to purchase a dresser from their online store. Well the item was supposedly delivered to a Sears store in XXXX XXXX IL but I never received it. During all of this I received the run around for hours. All I want is my XXXX put back on my paypal account without waiting forever. I was informed 10 days the 30 days.. I just want my money. I will never order anything from them online again. I believe the item was stolen and they want to cover it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

LJ Ross is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 LJ Ross appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, XXXX, removed LJ Ross because there was no basis for their claim. I have disputed LJ Ross to XXXX 3 times and they keep coming back saying it's legitimately belonging to me. LJ Ross and XXXX  are destroying my credit/FICO scores by their false claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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
Product: Student loan

I took out Private Student Loans to assist with financing my schooling in XXXX XXXX at XXXX. I did not do my due diligence on these loans and research them beyond what I was told by the Customer Service Representatives that " sold '' me the loans. I was warned that I would never be able to include these in a bankruptcy up front because they are student loans, but that I would be able to consolidate them to a 1 % interest rate with all my other ( federal ) student loans, a program that was available at the time I took out the loans. I did attempt consolidation and discovered that I was intentionally misinformed. For years I tried to work with them on repayment and dealing with the exorbitant interest charges. I was told to go to Payday loan lenders and I did, I was told to just defer and eventually I would be able to afford. I believe the debt I owe has more than tripled. My credit is destroyed and ultimately I recognize it was because I did n't pay close attention to the fine print and question the lender thoroughly. I am a victim of predatory lending. I stopped answering their calls and I stopped paying for deferments that rolled the interest into the principal and I did my best to get educated on these types of loans and finances. I have sought out legal counsel but the typical response is a willingness to research, but not to lock horns with XXXX XXXX/ Navient. I have been told that I can be represented by defense attorneys when they file suit and start attempting to garnish my wages. I owe them most certainly, but I am in a situation that if I would make their interest payment for the next thirty years I would still never be able to repay the loans. With my credit the way it has become I can not own a home, cars are financed as " special needs '', and my wife and I receive up to 10 calls a day from Navient 's collections and we have blocked the numbers so they do n't ring through to our phones.
Product: Checking or savings account

On XX/XX/XXXX a criminal went to multiple chase branches with my stolen debit card in XXXX. They had a fake ID from XXXX  as well, and my mail was stolen when I was on vacation. This individual hacked my phone the same day and was able to change my pin number at the Chase branch They stole {$1000.00} dollars from a atm. The atm was located at XXXX XXXX XXXX XXXX XXXX IL XXXX a Chase branch. 

XXXX XXXX branch XXXX from Chase XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX was helping me with the fraud case. Chase denied it originally and it was re-opened twice and still Chase denied me all times. The branch XXXX also confirmed they had a fake id and changed my pin. 

I submitted a police report to chase showing that my mail was stolen, the credit alert proof of identity theft, and I submitted proof that I was not in the stat of Illinois at the time of the withdrawal. I was in Florida from XXXX and sent Chase my flight history. I asked if cameras were checked and they did not confirm but said I needed a subpoena. 

Essentially Chase had a breach when a bank teller let a criminal with a fake ID change my pin of the stolen debit card and then steal {$1000.00}. Terrible customer service from Chase as I was a loyal client who banked with them for 10 years and never had a fraud complaint before I told my story multiple times and they did not defend the client
Product: Debt collection

i received a notice from XXXX  about a collection on my credit from security credit services llc! i have never entered a contract with them, they were rude and threatened to sue I've disputed the item with all three bureaus. then mysteriously i received a letter from yet ANOTHER COLLECTION COMPANY thats collecting for them, XXXX  trying to collect this debt and offering a lesser payout! I have never done business with them either and they too have been extra aggressive i feel my rights are being violated! The Fair Debt Collection Practices Act prohibiting debt collectors from " using any false, deceptive or misleading representation in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX 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 consummer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX has inaccurately reported late payments on multiple student loan accounts despite the fact that these accounts were never late, as they were under enrollment deferment, standard deferment, or hardship deferment. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies, such as XXXX, are required to report accurate information. When I contacted XXXX on multiple occasions to request verification and correction of these inaccuracies, they failed to respond or rectify the errors as required by law. 

Additionally, under 15 U.S.C. 1681i, the credit reporting agencies are obligated to conduct a reasonable investigation when a consumer disputes information on their credit report. Despite my formal requests to XXXX, XXXX, and TransUnion to investigate these errors, none of the agencies completed a proper investigation or corrected the inaccurate information.
Product: Debt collection

I am writing to dispute a fraudulent account that is being reported by CAPITAL ONE BANK on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that CAPITAL ONE BANK cease reporting this account and remove it from my credit report as soon as possible. 

THERE ARE XXXX ACCOUNTS ON MY CREDIT FROM THIS CREDITOR FOR THE SAME AMOUNT I am currently taking steps to protect myself by completing the identity theft report. Please provide confirmation that this account will be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I got my credit report Notice on my credit report agency 's showing no payments or late payments with missing. Which wasn't true. I Made XXXX XXXX XXXX XXXX  ) always on time don't miss payments l spoke to company Name ( XXXX XXXX XXXX XXXX  stated credits bureaus companies reports Late the company manager gave me printouts to disputed. 
Negative rating notices no changes scores instead no changes l haven't been late or miss payments from company.
Product: Debt collection

I bought a car back in XX/XX/XXXX ; it was repossessed in XX/XX/XXXX. The statute of limitations in the State of Florida is five ( 5 ) years. By law this debt is uncollectable. A few years ago I was contacted by another collection agency. When I told them what happened they closed their file. Now the debt has been sold to another debt collector who is trying to garnish my wages.
Product: Credit reporting or other personal consumer reports

Upon thorough review of my credit record, I discovered concerning late payment entries that warrant immediate attention. Despite my diligent efforts, including multiple written communications sent over 30 days ago requesting validation of these items, I have received neither acknowledgment nor substantiation of these reported late payments. This lack of response and failure to provide proper verification necessitates formal intervention.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Rocket Mortgage for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate reporting on my credit report. Despite my efforts to resolve these issues directly with XXXX XXXX, the errors remain uncorrected, causing significant harm to my credit score and financial reputation.

Details of the Complaint I received notice from the Experian Credit Bureau that XXXX XXXX modified the account balance owed in error. Below is the information currently reflected on my Experian credit report, which I believe is also present on my reports with the other two major credit bureaus : Previous Balance : {$280000.00} Current Balance : {$280000.00} This information is absolutely incorrect. As of XX/XX/XXXX, my mortgage balance is {$280000.00}. 

Additionally, XXXX Mortgage processed my payment late in XX/XX/XXXX and reported it as 30 days late due to the XXXX XXXX holiday. This late payment reporting is inaccurate and unjustified. 

Violations under FCRA ( Fair Credit Reporting Act ) Incorrect Reporting of Account Balance Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Description : XXXX XXXX reported an increase in the account balance instead of a decrease, causing my credit score to go down by 1 point.

Impact : This incorrect reporting negatively affects my credit score and financial reputation.

Late Payment Reporting Due to Holiday Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Description : XXXX XXXX  reported the XX/XX/XXXX payment as late due to the XXXX XXXX holiday, which is not a valid reason for late payment reporting. 

Impact : This incorrect late payment reporting negatively affects my credit score and financial reputation. My husband had a XXXX XXXX over the XXXX XXXX holiday and was hospitalized in XXXX  for XXXX weeks. XXXX XXXX  refused to do their due diligence in their credit investigation ( XXXX ). 

Impact on My Credit Score and Financial Reputation These errors have caused my credit score to decrease, leading to potential higher interest rates, loan denials, and difficulty obtaining new credit. The incorrect reporting of my account balance and the unjustified late payment have significantly harmed my financial standing.
Product: Credit reporting or other personal consumer reports

I am filing a complaint on XXXX, Equifax XXXX XXXX because in accordance with the Fair Credit Reporting Act, it is imperative that every detail on my credit report is completely accurate. However, I have observed numerous inquiries that were conducted without permissible purposes, constituting a violation of FTC law 604 [ 15 U.S.C. 1681b ].

The inaccurate inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you of accounts that are inaccurately reporting false information. The accounts in question are related to the creditor, XXXX XXXX XXXX. I have contacted the credit bureaus XXXX XX/XX/XXXX Equifax, andXX/XX/XXXX ) on numerous occasions along with contacting the creditor, XXXX XXXX XXXX. To date, I have yet to receive a response from the creditor, XXXX XXXX XXXX. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

XXXX XXXX XXXX has yet to provide a response to my initial complaint. I also submitted a complaint with theXX/XX/XXXX my complaint continues to be ignored. However, Equifax,XX/XX/XXXX, and XX/XX/XXXX continue to report these accounts as derogatory item ( s ) on my credit report. I have provided all supporting documentation to XX/XX/XXXX, Equifax, and XX/XX/XXXX requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : 1. ) Correspondence sent to XXXX XXXX XXXX XXXX XX/XX/XXXX ) via certified mail 2. ) Reference XX/XX/XXXX Complaint date XX/XX/XXXX 3. ) Police Report 4. ) ID Theft Affidavit
Product: Credit reporting or other personal consumer reports

I have been trying to work with the credit bureau to find my credit file. They dont have any answers for me. I sent my information via the XXXX XXXX XXXX. Im trying to get a loan but Equifax cant find my report in their system. Speaking with their representative I dont feel comfortable with them very unprofessional. I am XXXX XXXX XXXX with XXXX credit cards opened last year : with XXXX mortgage report. Last year Equifax sent me a copy of my credit report : Now they said they dont have a history. XXXX XXXX is reporting a credit report on me, but now I cant get a loan because Equifax his loss my history and they hang up and say they cant help me. Something is wrong.
Product: Student loan

I can not pay my loan. I applied for forbearance and has not been responded to in a timely manner.
Product: Debt collection

On XX/XX/18, I wrote a letter to collection agency, Transworld Systems Inc, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX, # XXXX, regarding acct # XXXX, to delete this debt from all 3 credit bureaus since I did not recall the debt. On XX/XX/18, I received a written reply from Transworld Systems stating, " Dear XXXX XXXX : Thank you for your inquiry regarding the above-referenced account. Please be advised that account number XXXX XXXX is closed in our office. Further inquiry regarding the underlying debt may be directed to XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, AZ XXXX. We appreciate the opportunity to respond to your inquiry. Very truly yours, Transworld Systems Inc ''.
Product: Credit card or prepaid card

Since late last year I have had trouble with the incompetent grifters at Truist Bank. First they refused to pay a promotional amount as contracted, Finally paid after CFPB was contacted. Second billed the account erroneously for over {$3000.00} and took 3 months to semi-remediate it. CFPB has marked the matter closed when really it isn't. The bank capriciously removed {$120.00} from my checking account by means of a double charge. When caught they did not return it to the checking account it was stolen from. They listed it as a credit to the credit card account. I after waiting for the bank to correct the latest in a long line of mistakes, sent the credit to my checking account and now have been billed {$10.00} for taking MY MONEY and putting it where it should correctly be.
Product: Mortgage

I refinanced my mortgage in the early Fall of 2016. The mortgage was acquired by Wells Fargo with payments to begin in XX/XX/XXXX of 2016. There was an escrow balance transferred at the time of closing. My monthly payments were to be approx. {$1900.00}. I received word from Wells Fargo a couple months ago that the escrow account was underfunded and that resulted in me owing {$5700.00} which could be paid in full or paid over time for an additional {$600.00} a month to my mortgage. This seems grossly negligent, how could {$5700.00} accumulate over just a few months. How could the company not tell me about the potential shortage in advance of it happening so that I could begin paying an adjusted amount immediately, rather than waiting almost a year and allowing almost {$6000.00} debt to accumulate?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX  Acct # 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 an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX located in XXXX, Illinois and I was applying for an auto loan and I was informed that my credit wouldnt be ran more than once but to my knowledge after reviewing my credit reports there were two inquiries listed on my credit report that I didnt recognize nor gave authorization to check my credit report. The inquiries l that i was not aware of is listed below. 

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

XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit. 

XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit.
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 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, 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 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 inaccurate.