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

XXXX  has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate unverifiable accounts, resolved. The consumer financial protection bureau has recently filed a lawsuit against experience, alleging, systematic issues such as failing to forward. Consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove, amend the disputed accounts, as experience in action, violates federal law, and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have requested on to receive debt validation from this company. I requested the original contract signed by me, detailed full payment history and proof that this company is able to collect in my state. I have yet to receive any information and its been well over 30 days
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to eliminate any incorrect accounts from my credit report. Can you verify the documents? Some of the accounts listed have inaccurate reporting, with incorrect amounts and dates being reported.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy 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 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Student loan

I had been with XXXX for my student loans for approximately four years, until I applied to the public service loan forgiveness program in the summer of XX/XX/XXXX. I am currently employed by a county government. I wanted to see if my payments qualified under the PSLF. This apparently automatically initiated XXXX to take over my loans beginning in XX/XX/XXXX. When this occurred, I set up my account with XXXX, including automatic direct debit. I even received an automated e-mail from XXXX saying " This is a reminder that you have an upcoming payment due -- but no worries! You 're enrolled in our Direct Debit service so the payment will be automatically withdrawn from your bank account. '' Several days after this payment was due, I got an e-mail from XXXX notifying me that my payment was late. I logged into my bank account and XXXX account and nothing had been posted. When I called their customer service line I was notified that their system takes 4-6 weeks for direct deposits to begin clearing. I explained that I had received an e-mail from their system stating that the payment be automatically withdrawn. No one at XXXX ( and I spoke to three different levels of customer service ) would take any responsibility for this error.

Additionally, when my loans were transferred to XXXX, a month in my payment was skipped. I believe the interest continued to accrue, and as a result my monthly payment went up by approximately $ XXXX/month. The customer service representatives did not seem to understand that the extra $ XXXX/month was not the problem for me -- I could afford $ XXXX/month -- but that over the term of my loan, that " missed '' payment resulted in a substantially larger increase in the total loan payoff.

I was notified approximately two months later that none of my payments were qualifying for the PSLF program. This program was the entire reason that I applied, and that my loans had been switched over to XXXX. Whenever I have tried to contact customer service I have had to speak to at least three representatives, all of whom try to pass off blame to " the computer system '' or on other employees, and have been singularly unhelpful.

More recently I have sought to adjust the term of my loan from a 20-year repayment program to the remainder of what would be a 10-year repayment. Their website offers misleading, and I would claim predatory, advice regarding the total interest and payments resulting from fixed vs. graduated monthly payments.

Every time I end up on the phone with XXXX to seek clarification about why a payment was not processed, or why they took an extra month to begin accepting payments on my loan, or to ask for a status update on XX/XX/XXXX tax documents, it is a very long wait to reach an operator, and then the customer service is not helpful either.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all Transunion put a collection on my credit report which I have disputed twice. The biggest issue too is that the so called company XXXX XXXX has never contacted me, never sent me anything to dispute before they put on my credit card and has never responded in 6 months to verify. Yet Transunion verifies this type of fraud and does not actually investigate. 

here is a collection on my account that was posted in XX/XX/XXXX. I have disputed it with Transunion and I sent 3 letters of validation to this unknown company. I have never done business with XXXX XXXX or loan by phone. This company has never called me and never responded to any letter after over 6 months. Transunion I have been disputing since XX/XX/XXXX on and I have a feeling this is from the XXXX and now 2 other breaches my information has been leaked. Transunion is also at fault for having no information on this company or correctly validating any of this information. XXXX XXXX is fake or if they have been one of the robo callers that leave threatening recorded messages. I will never pay this collection company they never sent me anything by mail to dispute this and have violated the law and I will sue them for their violations of keeping on credit without proof, never responding to letters of violation and not never sending anything to dispute. With these violations alone I will sue for the max of {$5000.00} Consumer lawyer will has all of the documents and explained how they have violated the laws. Transunion is also at fault because since XX/XX/XXXX I have been sending them inquiries on my credit report that I never made and told them to remove and they still have not nor do they do their job in correctly validating them which has caused financial damage. I will not pay XXXX XXXX anything I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX have allowed computer hackers to access my credit and personal information and allowed hackers to open many accounts and taken all of my money in my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer credit report and I noticed some accounts on my consumer credit report that should not be there : XXXX XXXX XXXX XXXX XXXX EQUIFAX is in clear violation of the law, Under 15 USC 1681b - Permissible purpose of con

sumer reports, THE LAW CLEARLY STATES that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give EQUIFAX written instructions to furnish these accounts on my consumer report. And by the way, no consent is Identity Theft!

And further, EQUIFAX is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ), ( B ) and ( C ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Before you report my information to a third party you have to give me three disclosures. I have not received three disclosures. Without these disclosures my information should not be in any consumer reporting agencies database. EQUIFAX did not disclose this information to me which is required by law, they knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non affiliated third parties, and they knowingly and willfully withheld information that explained how I the consumer can exercise that non disclosure option. EQUIFAX is in violation of several federal laws. 

And further, EQUIFAX is not obeying Title V of the Gramm-Leach-Bliley Act making them in breach of their own privacy policy which is printed and is as follows : Financial Information... we are also provided with this information when acting as a service provider to financial institutions, in which cases our use of the data is regulated by the XXXX XXXX XXXX XXXX XXXX XXXX  ).
Product: Credit card or prepaid card

Comenity Bank has not report on my Victoria Secret or My BJs Perks Mastercard. I have contacted XXXX and they stated they will request a manual update as far as BJ 's Mastercard no one I have spoken to have been able to help me and keep referring me to the contact the credit bureaus. I am frustrated to no avail with the lack of help from Comenity and the lack of knowledge from the customer service reps.
Product: Debt collection

just check my credit report and have derogatories accounts that does not belong to me at all from XXXX XXXX XXXX, Amounts are : {$470.00} and {$330.00} as far I can see, have been reported SEVERAL TIMES since XX/XX/2020. Need that removed from my credit ASAP its been really hurting my score!
Product: Credit card or prepaid card

On XX/XX/2021 I applied for the Citi Premier credit card. The bank approved the application the next day. I applied for the card, in part, due to their enticement of awarding me XXXX  Thank You points after spending {$4000.00} within three months of opening the account. Upon receiving the card, it immediately declined my first charge. I called the bank to have them verify my identity. They told me they fixed the problem. The next time I tried to use the card it declined again. I went through the same process to fix the problem. I have called the bank 12 times over the past 3 weeks spending hours on the phone, because the card continues to decline. Every time I call the service rep assures me the problem is fixed, yet it persists. I just called again today, and the rep told me she could not fix the problem, and I would need to wait to hear from the bank. This has caused stress between my husband and me. I just want the bonus I was promised. I have been able to get some charges through, but not {$4000.00} as the Citi offer states. 

The bank has not provided the product they promised. It does not work properly, thus preventing me from meeting their terms in order for me to earn the XXXXpoint welcome bonus.
Product: Debt or credit management

XX/XX/scrub> 2024 : I sent an email to XXXX XXXX, the last known individual at Continental Credit who had previously handled my account. In this communication, I requested a detailed outline of the accounts being managed by Continental Credit, including their progress. My concern was that the same three accounts were consistently showing up online, with no apparent changes. These accounts were inaccurately reported, had no dollar value, and could have been resolved by directly contacting the businesses involved. 

XX/XX/year>2024 : After receiving no response from XXXX XXXX, I submitted a request through the companys website, reiterating my previous request and informing them that I had not received any response to my initial email. I explicitly asked for the information to be provided via email. However, I received a generic response from the company directing me to view my account information online, which did not address my request. 

XX/XX/year>2024 : In response to the generic email, I expressed my frustration in a follow-up email, stating that the information I requested had not been provided. 

XX/XX/scrub> 2024 : I sent another email to the company, emphasizing that I had made multiple attempts to obtain the requested information in writing. I also informed the company that I no longer wished to continue doing business with them. 

XX/XX/year>2024 : After still not receiving the requested information, I sent another email explicitly requesting the cancellation of my account. 

XX/XX/year>2024 : In response to an email from the company acknowledging my desire to cancel the account, they informed me that they would not close the account. They also acknowledged that they continued to call during business hours, despite being aware that I was unable to take personal calls during that time. 

XX/XX/scrub> 2024 : I sent another email reiterating that I could not take personal calls during business hours and repeated my request to receive all the previously requested information via email. 

XX/XX/year>2024 : I sent a final email indicating that I had still not received any of the requested information and reminding them that I had requested the cancellation of my account multiple times.

Throughout my communications with Continental Credit, they have failed to provide the requested information, continued to call during inconvenient times ( as acknowledged in their responses ), and have not respected my repeated requests to cancel my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Transunion because an account that i paid for with the original creditor was sent to collection in false. I am highly upset because I am buying a house in 3 months and I need this rectified asap!!!!! It has been more than 30 days and I still have not received a response!!!
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. 

XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem all the way back to XXXX, when my bank, XXXX XXXX, made a {$10000.00} coding error on the check I had written to Bank of America to pay my monthly credit card balance : Bank of America received {$10000.00} less than what I had written the check for. For the next three years, I tried to resolve the issue through letters and phone calls, but without success. So I put the issue on the back burner, and just continued my practice of paying my credit card bill in full and on time every month, minus the {$10000.00} that was in dispute. 

The credit card was later taken over by XXXX, and a couple of years ago, I made one last attempt to resolve the issue by writing a letter to XXXX explaining the history. I followed up on the letter and spoke with several different people at XXXX. However, I was told that there was nothing they could do, because the dispute arose when the credit card was held by Bank of America. They suggested I contact Bank of America, which I did ( by letter and phone calls ). I was told over the phone that the issue was a " dead end, '' because they only keep records for seven years, but the dispute arose in XXXX. There was never any response to my letter to Bank of America, so I made the decision to cancel my credit card, which I had first obtained in XXXX. I made my final payment of what I owed to XXXX ( minus the {$10000.00} in dispute ) and included a letter explaining why I canceled the credit card. For about six months after that, XXXX continued to send me statements for the {$10000.00} and interest, but then they stopped -- and they have made no attempt to collect the money from me. 

I got a new credit card and went on with my life, assuming that was the end of it. I never thought about the impact this could have on my credit scores, because I have been debt free for more than 25 years, and had no intention of taking out any loans. However, I recently decided to explore getting a HECM, and that is when I discovered that this old, unresolved dispute had seriously damaged my credit scores. The mortgage broker told me that I may have to set up a Life Expectancy Set Aside ( LESA ), even though I have always paid my property taxes and homeowners insurance premiums on time. 

It is very unfair that my credit scores have been damaged by a very old dispute that I tried for years to resolve, and that I am now told is impossible to resolve because the banks only keep records for seven years. So I am caught in a financial Catch 22. I am attaching photos of three of the key letters I wrote over the years. Any help you could give me to help me fix my credit scores would be greatly appreciated. Also, it is clear that the formulas for credit scores make no sense, when you have someone like me ( very responsible, no debt, substantial assets ) getting below-average credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. Experian continues to side with affirm and does not remove or block this information. Neither affirm or Experian have provided concrete information proving I am lying about identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

JPM Chase  is report account #  XXXX  as being recently late on my credit report. This account has been transferred to another government and currently being paid, so could it get late. The all student loan accounts at CURRENT!     This has impacted m y credit score  and dropped my score  XXXX  points! Please have this removed as the date on this information is incorrect as well. This has been closed and they are changing dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, this account was open on XX/XX/2016, this account is older that 7 years old and needs to remove from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agencies that I've listed below are reporting old debts. They are re-aging them and placing them on my credit report. It is my understanding that this is illegal for someone / company to re-age a debt that is greater than 7 years plus the statue of limitation in the State of Texas is 4 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Debtor : XXXX XXXX XXXX Original Creditor : XXXX XXXX University Amount : {$160.00} Date incurred : XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX Type : Payday loan Debtor : XXXX XXXX Amount : {$700.00} Date Incurred : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}
Product: Debt collection

I HAVE BEEN NOTIFIED THAT MY DECEASED MOTHER HAD A XXXX ACCOUNT THAT THEY HAVE TURNED OVER TO A COLLECTION AGENCY ' XXXX XXXX {$2200.00} IM HER SOLE HEIR. 
AND THEY ARE THREATENING TO PUT A LEIN ON THE HOME SHE LEFT ME.
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. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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.
Product: Student loan

Complaint Summary : I have set up automatic payments with direct deposit with confirmation multiple times via portal and customer service. However, auto-payments haven't continued past 1 month each time, leaving interest compounding without my knowledge XX/XX/XXXX : Direct Deposit approved for automatic monthly {$100.00} deposit said to start XX/XX/XXXX XX/XX/XXXX : I noticed no money has been deposited since XXXX I am told by customer service that my account is fine and that adjusted automatic payments will work now ( XX/XX/XXXX : {$1000.00} paid to catch up {$640.00} goes towards interest ) XX/XX/XXXX : Direct Deposit approved for automatic monthly {$210.00} deposit said to start XX/XX/XXXX XX/XX/XXXX : Successful deposit of {$210.00} XX/XX/XXXX : I noticed no payments were made after XXXX ( XX/XX/XXXX - XX/XX/XXXX : {$1000.00} paid principal only dented by {$170.00} ) Loan Information : Total ( XXXX XXXX ) : {$27000.00} 3.88 % average interest IDR plan approved XX/XX/XXXX XX/XX/XXXX - Loan forbearance ends : + {$2600.00} capitalization XX/XX/XXXX - + {$120.00} capitalization
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2022 not accurately being reported, account has been dismiss by the circuit court.