23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I make additional principal payments every month. I also run a loan payment program to assure my numbers agree with the XXXX XXXX XXXX statements. The lender and I disagree most months by one cent, always in XXXX 's favor, but in XXXX of this year there was a significant discrepancy in the balance. I called the " contact us '' number on XX/XX/2018 and spoke with XXXX ( # XXXX ).  XXXX told me lender had moved {$530.00} in error from my principal payment to the escrow account. I told XXXX that I wanted the error corrected and I requested a written accounting of the error, correction, and balances to demonstrate I have not been injured in any manner. XXXX sid she would send an explanation and correct the problem. Neither occurred. 
On XX/XX/2018, XXXX XXXX, after holding for 42 minutes, I spoke with XXXX ( # XXXX ). I attempted to explain the error and lack of correction and lack of requested documentation. Rather than assist me, XXXX placed me back on hold until the call center closed and my call was disconnected. Twice I have sent a message through the " contact us '' at XXXX XXXX XXXX XXXX XXXX   and not received a response.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian for its willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically its failure to block fraudulent accounts from my credit report as required by 15 U.S.C. 1681c-2 ( a ). Since XX/XX/XXXX, I have repeatedly disputed these fraudulent accounts and provided all legally required documentation, including a valid identity theft report, government-issued identification, proof of address, and a formal written request identifying the fraudulent accounts. Despite this, Experian has failed to conduct a proper investigation and continues to unlawfully delay my request by forwarding it to the furnishers for verification, a clear violation of federal law. 

Furthermore, instead of complying with its legal obligation to block the fraudulent accounts within four business days, Experian has wrongfully accused me of misrepresentation without providing any specific evidence to support its claim. This refusal to investigate properly and failure to provide a detailed response constitutes willful noncompliance under 15 U.S.C. 1681n. The fraudulent accounts in question are : XXXX XXXX XXXX XXXX Account No. XXXX {$300.00} XXXX XXXX Account XXXX. XXXX {$7200.00} XXXX XXXX Account XXXX. XXXX {$11000.00} XXXX XXXXXXXX XXXX  XXXX Account XXXX. XXXX {$4200.00} XXXX XXXX / GVFP Date Opened : XX/XX/XXXX Experians failure to remove these fraudulent accounts, its improper reliance on the furnisher verification process, and its baseless accusations of misrepresentation violate my rights under the FCRA. I request immediate regulatory intervention to compel Experian to comply with federal law, block the fraudulent accounts, and provide a detailed written response explaining its prior failure to do so. If this issue is not resolved promptly, I intend to pursue legal action against Experian for its continued disregard of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) Name ( s ) and Number ( s ) : Record type : Public Record : XXXX  XXXX bankruptcy dismissed ; Reference number : XXXX, Account name : XXXX XXXX XXXX XXXX ; Account number : XXXX, Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Account name : XXXX XXXX ; Account number : XXXX, Credit Bureau : TransUnion Account Name : XXXX XXXX Account number 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX  balance {$120000.00}, XXXX XXXX balance {$2700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have two accounts showing two different amounts on my credit report. I wrote to XXXX, XXXX, and XXXX to have these accounts removed. I wrote to XXXX XXXX XXXX. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the three major bureaus multiple times about this account reporting on my consumer file ( MERCHANTS ACCEPTANCE CORP ACCOUNT # XXXX ) this account continues to come back as verified and i have yet to receive any proof of validation of this debt. On my consumer file the alleged debt is showing as charged off since XX/XX/XXXX, however the balance continues to increase and decrease, the status continues to change, and it is reporting as open. By law this is inaccurate reporting to my consumer file and has been going on for months now. also listed on the account is a comment from the furnisher stating that, ( CREDITOR CAN NOT LOCATE INDIVIDUAL. {$1400.00} WRITTEN OFF. {$2100.00} PAST DUE AS OF XXXX XXXX. ) How is it possible for me to still be accumulating debt on a written off account? I have yet to receive any mail from this company stating proof of claim, I do not have a contract with this company and have not been provided with proof that I do. I have attached the most recent changes as proof to the changes being made on my consumer file with this company. This inaccurate non validated account is affecting my creditworthiness and ability to provide more for my family when i apply for new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : 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

Hi there, All 3 credit reporting companies- Equifax, XXXX and XXXX have inaccurate information reported. I received from the New York Civil Court Index - No : XXXX - Stipulation Discontinuing Action. I have sent copies of this court action to all 3 credit reporting companies -this is proof to remove the collections and negative items from my report. I have attached the letters and court documents for your review as well. 

I have sent written letters with supporting documentation to all 3 credit reporting companies. I have spent hours on the phone with customer service and I have also disputed online at each respective credit reporting site. And still no response, nor removal as per court mandated. 

This is beyond frustrating. I am trying to buy a car so I can transport my son to and from school. 

Items to be Removed from Credit Companies : ( Equifax, XXXX, XXXX ) : 1. XXXX XXXX 2. XXXX XXXX XXXX ( Collections ) 3. XXXXXXXX XXXX  XXXX XXXX ) Please help! Can you contact the 3 credit reporting companies and request that these items be removed from my report, asap? Thank you!
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am filing this complaint because Equifax has continuously denied me electronic access to my free credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). I am in the process of purchasing a home and need immediate access to my credit report in order to dispute inaccurate information. Despite having my correct password, Equifax is locking me out of my account, and when I attempt to log in, I receive an error message instructing me to call their Customer Care team. I have made multiple calls to Equifax, but they have not restored access to my account or allowed me to retrieve my credit report electronically, which is my preferred method of access. 

Under 15 U.S.C. 1681g ( a ) ( 1 ) of the FCRA, I am entitled to access my credit report once every 12 months at no cost. Equifaxs failure to provide me electronic access to my credit report directly violates this statutory right. I specifically do not want a hard copy mailed, as I need immediate access to the report electronically to resolve credit issues in preparation for purchasing a home.

Further, under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information in my credit report, and the consumer reporting agency ( Equifax ) is required to conduct a reasonable reinvestigation. However, by denying me electronic access to my account, Equifax is preventing me from exercising my right to dispute and correct the information on my credit report.

Equifaxs actions are also delaying my right to timely responses as outlined in 15 U.S.C. 1681j ( a ), which ensures prompt access to consumer reports, especially when they are necessary for critical financial decisions like purchasing a home.

I believe Equifaxs failure to allow me electronic access to my credit report violates the FCRA, and I request the CFPBs immediate intervention to enforce compliance with the following sections of the FCRA : 1. 15 U.S.C. 1681g ( a ) ( 1 ) : The right to access my credit report annually at no cost in the format I choose ( electronically ).

2. 15 U.S.C. 1681i ( a ) ( 1 ) : The right to dispute inaccurate information in my credit report and have Equifax reinvestigate.

3. 15 U.S.C. 1681j ( a ) : The right to timely access to consumer reports, which has been unreasonably delayed.

I respectfully request that the CFPB investigate Equifaxs non-compliance with the FCRA and require them to restore my electronic access to my account and facilitate my ability to dispute inaccuracies on my credit report.

Attached is my drivers license ssn, proof of residency, and screenshot of what the error message is
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> - following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/year> - following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/year> - following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> - following inquiry was not authorized and should not be reporting.
Product: Student loan

I was told that I was forcibly placed into forbearance due to being on the SAVE loan plan and that interest would not accrue while in forbearance. However, I just received communication that I will in fact be charged interest during this forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has been violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX, XXXX XXXX {$1500.00} is the amount owed. 



XXXX, XXXX XXXX XXXX, XXXX {$1200.00} is the amount owed. 



XXXX XXXX, XXXX XXXX. XXXX, XXXX {$2900.00} is the amount owed
Product: Debt collection

Paid this collection and they told me they would remove from report if I paid and they still haven't removed it from credit report
Product: Credit card or prepaid card

Good Morning I have had a CITI account since XXXX. 

I was erroneously enrolled in XXXX protection when I started my account. The actual charge went unnoticed by me since I have had my card. I received bills electronically and due to my own fault, never noticed it/ This year in XXXX I was going to pay off my CITI card and I contacted CITI for a fee. As I was talking to customer service, I asked about the fee that I suddenly noticed. I was informed that I must have signed up for it. I demanded it be canceled and I asked to be provided proof that I even signed up. They said I must have clicked the option or agreed to it. They put me through to XXXX   and was under the impression that I would receive a reimbursement. 30 days went by and I did not see a credit so I called again. I paid off all my bill in XXXX but what I thought they owed me back - approximately XXXX. They could not locate my request and submitted it again. On XX/XX/XXXX, I received the first denial from CITI. I was upset and called customer service again 3 - 4 days later. I said that I was cancelling my card and I was then transferred to a supervisor - XXXX. He lead me to believe that again, I would be reimbursed and I asked again for proof that I actually signed up. I also mentioned the letter that I received in XXXX that I was being refunded XXXX in fees due to a settlement with CFPB. I asked for proof it was credited. 30 days later - XX/XX/XXXX, I received a second denial letter. This time I gave very negative feedback and was contacted by another senior account specialist. He said I did receive the credit for XXXX. I told him that CITI behaved in a predatory manner. He basically didn't care and transferred me back to a XXXX member. I wish I had the name and date by my phone deleted the vmail call in an update as well as my notes. The individual was located in KY - I believe his name was XXXX. 

I spoke with XXXX  again the first week of XXXX. I explained that I was a XXXX vet, received XXXX and XXXX compensations. The XXXX representative ( again - I apologize but my phone updated and deleted my notes ) was resubmitting the information a third time because she said I most likely was not even eligible. I said I would have never signed up for protection from unemployment or whatever, because I received compensation that most do not receive. Again, after 30 days I have received a third denial letter dated XXXX XXXX.
Product: Checking or savings account

Some time in XXXX-XXXX, Citibank opened a checking plus account without my authorization. The only authorized accounts I have with Citibank are checking and savings. In XX/XX/XXXX, I inadvertently wrote a check for an amount that was larger than my checking account balance. The check wasn't honored by the financial institution where the recipient of the check attempted to deposit it. I then immediately transferred an amount sufficient to cover the value of the check from my savings account to my checking account and wrote a new check. The new check was honored. Unbeknownst to me, Citibank activated the checking plus account, gave me a loan I didn't ask for and deducted interest payments form my checking account, all while having dishonored the original check. Upon learning of this in XX/XX/XXXX, I immediately paid off the " loan '' by transferring money from my savings account to the checking plus account and asked that Citibank refund the interest it has been charging. I also asked for a copy of the account opening agreement for the checking plus account. Citibank, citing the " research '' it conducted, refused to refund me my money. Citibank also failed to produce the account opening agreement, with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown credit report. Its been over 60 days I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ) it its plainly stated that a failure to investigate these items with in 30 days give a reason to immediately remove those items from my credit report. Its has been over 50 day so its should be deleted promptly. I demand this account to be deleted immediately or I will file for ligation due to the stress you caused me.
Product: Consumer Loan

I have a car loan through : Gateway One Lending & FinanceXXXX XXXX XXXX TX, XXXXI believe this company has obtained information about my relatives to use to contact me illegally. I am requesting an attempt be made to find out how they were able to contact relatives to get in touch with me, when I never gave them information. This is a classic case of what the CFPB has tried to put a stop to from past episodes of badgering by lenders. This company has contacted my Grandfather who is a retired XXXX XXXX and his information is protected from the public. This is completely unacceptable for a Lender to badger relatives. I did not give their information to this company. I was out of the country while this was going on.This company said they did not have to divulge their protocol for finding out information about Borrowers. I asked to speak with a supervisor, but am not confident that I actually spoke with one.
Product: Consumer Loan

Regional Acceptance Corporation dba BB & T Financial Services are constantly reporting inaccurate information regarding the auto that I have included in my BK-XXXX federal protection in XXXX 2013. I have contacted them several times and they keep reporting inaccurate, damaging and defamatory information against me to other auto lenders and car dealership that prevent me from obtaining credit under my own name. I have spoke to Senior Vice President XXXX XXXX at Regional Acceptance Corporation and he still has not corrected this negative and damaging information on my credit report. Regional Acceptance Corporation and its affiliated were contacted and served with prompt and proper notice of my BK-XXXX on XXXX XXXX, 2013 and lately have been reporting the car note to be late in both XXXX and XXXX of 2013 when in fact that is not true at all! There was never a late payment on this car note/auto loan. This BK-XXXX was fully discharged on XXXX XXXX, 2013. So they have no right to report damaging information as to the lates on the auto loan when in fact it was included in the BK-XXXX on XXXX XXXX, 2013. I want this OFF my credit report at once!
Product: Credit reporting or other personal consumer reports

Late payments were negotiated to be removed from report, bank cant remove them from their system. They told me to dispute it directly with credit bureaus & refer to the phone conversation had on XX/XX/year> at XXXX PDT. The negative remarks were agreed upon both parties to be removed. I need them removed for an auto loan
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a discrepancy on my credit report that I have been disputing for a while ; from XXXX XXXX XXXX XXXX ( d/b/a XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

The reported debt is neither private nor federal student loan, rather an institutional loan granted by the college for which I have written notification ( dated XX/XX/XXXX ) from the XXXX XXXX, Vice President of Student Affairs, stating the balance was forgiven and zeroed out. 

Despite such documentation, the school continues to negatively report on two of the three credit reporting bureaus, adding {$89.00} to the balance each month, causing it to reflect a current past due balance of {$9600.00} as of XX/XX/XXXX. 

I have supplied the supporting documentation to Transunion and XXXX and tried to dispute the account so that it can be removed from my report ; however I have been unsuccessful. 

I am reaching out for you assistance in getting this collection removed from my credit reports.
Product: Student loan

MY STUDENT LOANS IS WITH GREAT LAKES. IN THE YEAR XX/XX/XXXX, I MOVED FROM XXXX TO MISSOURI. I NOTIFY GREAT LAKES OF THE ADDRESS CHANGE AND I ALSO REQUEST DEFERRMENTS ( FINANCIAL HARDSHIP ). THEY SAID OVER THE PHONE, NO PROBLEM THEY WILL PUT THE ACCOUNT IN DEFERR. NOW THEY ARE SAYING THAT THEY HAVE NO KNOWLEDGE OF THE PHONE CALLS NOR THE DOCUMENTS THAT I HAD TO FAX. THEY HAVE MULTIPLE LATEPAYMENTS SHOWING 90,120,150 DAYS LATE. TOTALLING THE ENTIRE YEAR OF XX/XX/XXXX. UNDER THE FAIR CREDIT BILLING ACT, THEY MUST PROVIDE ME RIGHTS WHEN A CHANGE OF ADDRESS OCCUR. UNDER THE FCRA I HAVE THE RIGHT TO DISPUTE ANYTHING ON MY CREDIT REPORT FOR ACCURACY. SO I DISPUTED WITH THE CREDIT BUREAUS AND THEY SAID THE INFORMATION WAS ACCURATED, SO I DECIDED TO CALL THEM DIRECTLY AND THE LADY REFUSED TO FILE THE DISPUTE WHICH IS A VIOLATION OF THE FCRA. I TOLD HER IT WAS A VIOLATION, SO SHE SAID HOLD ON AND SHE CAME BACK ON THE PHONE AND SAID HAVE YOU MOVE, I SAID YES, SO SHE SAID ITS NOT OUR PROBLEM, AND TO LEARN HOW TO BE MORE RESPONSIBLE.