23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate information and unknown things on my credit report to this day it has been over 30 days and I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes section 611 ( A ), it is plainly stated that a failure to investigate these issues within 30 days gives a reason to immediately remove those items from my credit report. They should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

1 ) Cancelled service with XXXX XXXX on XX/XX/19 and started new service with XXXX XXXX 2 ) Received bill for entire month of XXXX into XXXX from XXXX 3 ) Called XXXX to explain issue - no resolution 4 ) Received letter from CREDIT CONTROL CORPORATION as a request to collect debt, notified them I did not agree 5 ) Found that the issue was reported to ALL credit agencies by CREDIT CONTROL CORPORATION 6 ) Contacted ALL credit bureaus to dispute issue, only XXXX removed 7   ) Hired attorney to handle issues with CREDIT  CONTROL CORPORATION and XXXX and XXXX 8 ) Received letter from CREDIT CONTROL CORPORATION to pay in full immediately 9 ) Still no resolution as of today 10 ) I believe XXXX and CREDIT CONTROL CORPORATION are contracted with XXXX  and XXXX  and not XXXX  as to why only XXXX has been the only bureau to remove issue since my correspondence of over 6 months
Product: Credit card

As of XX/XX/year>, a credit card was opened in my name with Capital One N.A. This is fraudulent. I am a victim of fraud. I did not open a credit card with capital one and purchase anything. I received a letter in the mail stating I owe {$3700.00}. This was not me and I believe someone got a hold of my social security number and has tried to steal my identity. I have started a dispute with XXXX XXXX XXXX XXXX XXXX. The debt collector. This Capital One company was sold to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XXXX Experian has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$12000.00} I believe it was reporting in error, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number Credit collection service XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX  All 3 collection services have incorrect information which I keep trying to dispute and it clearly isnt working The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals.

See 15 U.S.C. 1681u ( a ), ( b ). The Act eliminated the requirement of a nexus to a foreign power or its agents and instead requires that the information sought be relevant for various national security investigations to protect against international terrorism or clandestine intelligence activities.

See 1681u. The Act also broadened other federal agencies access to consumer reports. Section 1681v obligates CRAs to provide consumer information and reports to a federal agency authorized to conduct investigations of, or intelligence or counterintelligence activities or analysis related to, international terrorism. Senior federal agency officials are empowered to issue a certification that the information is necessary for the agencys conduct or such investigation, activity, or analysis. See 1681v ( a ) & ( b ). Upon certification that disclosure to the subject would impair national security or interfere with an investigation, the entity providing the information is not permitted to disclose to the subject or others ( except counsel and those necessary to comply with the request ) that the government agency sought the credit report. See 1681v ( c ). State and local law enforcement within fusion centers often work in conjunction with the FBI or other federal officials to seek consumer reports pursuant to either 1681u or 1681v authority. If 1681u or 1681v is not utilized or applicable, consumer credit information may be obtained by seeking a court order or subpoena as authorized at 1681b.
Product: Checking or savings account

In XX/XX/XXXX, I left XXXX so my XXXX provider Optum Financial started to charge me Connect Your Care ( CYC ) Stand Alone Fee, which I was notified about. Starting XX/XX/XXXX, because something happened between CYC and Optum Financial, Optum stopped charging me CYC Stand Alone Fees, XXXX dollars per month. But this XXXX Optum Financial started charging me CYC Stand Alone Fee again without notifying me or updating the agreement. Starting XX/XX/XXXX I was also charged XXXX management fees XXXX dollars per month without being notified. I called them on XX/XX/XXXX, they just told me to refer to the FAQ rather than showing me supporting documents that state the charges are legal.
Product: Student loan

I received approval on my IBR Application in XX/XX/2019 for a monthly payment of {$90.00}. I changed my payment due date from the XXXX of the month to the XXXX of the month in XX/XX/2019. Fed Loan doubled my monthly student loan payment to {$170.00} for just changing the due date so I can make my payments more manageable for myself. How does changing a due date double a student loan payment after you have a letter in writing stating stating what your IBR payment will be for the next year? This loan servicer is a huge SCAM. They told me by changing my due date they had to readjust my payment because the poverty line had changed. That doesnt even make sense if I was already approved in an IBR plan for the year so not sure what the changing of the poverty line has to do with my student loan payment that had already been set. Customer Service is unprofessional as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Another 30 credit card emails from experian but they wont fix my account
Product: Debt collection

i have asked them several times not to cal me they call me several times a day even during inappropriate times of the day
Product: Credit card or prepaid card

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Versik 's a property and auto form with two forms of ID on or about XX/XX/2018. 

I received my property report however never received my auto report. 

I called Versik twice in an attempt to resolve the issue, however they still have not sent my missing auto report.
Product: Credit reporting or other personal consumer reports

Please verify these inquiries, as I do not recognize them and wish to remove them from my credit report : Inquiries : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX CPS Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

The company said they closed the account in 2017, but I'm still paying on the loan as we agreed on by the bank. So my credit report shows I'm really bad credit and all my other credit scores are all perfect. This has caused me not to be able to get financing on a loan for XXXX XXXX for my home. Which would have saved me lots of money as I'm on a fixed income.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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: Debt collection

On XX/XX/XXXX CBEGroup posted a collection on my credit report that they purchased from another collection agency ( XXXX XXXX XXXX XXXX  ), or they change name. Originally, I already filed a disputed back in XX/XX/XXXX. I stated that it was an identity theft. The collection was removed from my credit report. Now it shows up again with a different company. I called XXXX  directly to tell them that a XXXX XXXX individual that I shared the house with, stole my identity. I opened an account for XXXX internet, and that was it. I didn't open any account with mobile service. The police department can't do anything unless I can get some form of identification from the individual. The guy got evicted couple of years ago when I will living at the old house. There is no way to track him down or known his where about. I didn't know about until last year.
Product: Checking or savings account

On XX/XX/XXXX I received a credit alert from XXXX advising that a new account was opened with Goldman Sachs Group using my personal information. 

After calling Marcus Goldman Sachs and waiting on hold for almost an hour to speak to the fraud department, I was told by fraud specialist XXXX  that an account was opened online using my maiden name, which I have not used to conduct any business in over 10 years and an old address I have not resided at in over 10 years. 

When XXXX provided me the email address and phone number used to open the account, I was baffled how the account was opened in the first place, since the contact info ( phone number and email address ) are not linked to the personal identifiers ( name and address ) on the application which is the number 1 indicator of potential fraud. 

Applicant Name : XXXXXXXX XXXX ( maiden name which hasnt been used since XXXX ) Applicant Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( old address havent resided there since XXXX ) Phone : XXXX ( is this even a valid phone number?? ) Email : XXXX ( this is NOT my email address ) When I asked XXXX how could an account be opened with such a prestige wealth management financial institution without the proper authentication and he was not able to provide me a reasonable business justification. 

I then repeatedly requested the unauthorized account be closed, to which I was told it could not be closed until a 45 day investigation was complete! Ive worked in the financial Industry for over 20 years and Ive never heard of such a thing! I then asked XXXX how do I know this account wasnt opened as part of some Sales misconduct issue, such as what happened with XXXX XXXX! I again requested he close the unauthorized account to which he declined. Due to the lack of identity verification process that did not take place when this account was opened and the resistance to close the account at the consumers request, I believe there is some sort of misconduct happening at Goldman Sachs that requires investigation by the FTC. Ive never heard of a financial institution refusing to close an unauthorized account unless doing so is tied to some sort of loss in sales incentive.
Product: Debt collection

I pulled my credit reports, only to find that some agency called ERC ( XXXX XXXX XXXX ) had placed a collection on my credit report for XXXX XXXX on XX/XX/XXXX for {$380.00}. I have no idea what this is for or who this is. I have not received anything in the mail concerning this matter. I am sure that is just an oversight or error, but this needs to be handled asap.The information documented on behalf of this collection is incorrect and insufficient. This company is not in compliant with the FCRA which they stand by accuracy, fairness and privacy. I spoke with XXXX XXXX on XX/XX/XXXX at XXXX XXXX and she said that the company was sorry about this and she would dispute this and have this item taken care of. I do not have a contact or any other documents from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. Your company never notified me, and your company filed to send me my statements for that month and when I talked to your rep, I was told that this mistake would be deleted. I never received a billing statement from your company.

FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may s

ubmit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer-reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act I contacted your company and talked to customer service, XXXX who admitted that it was Capital one error because my billing statement was sent to and they were aware and assured me that this misunderstanding was going to be removed from my credit report and listed correctly. The representative promised to send me a payment statements so we wont have this maundering anymore of my account and stated that this mistake would be corrected. I never received such documentation. The results of my XXXX XXXX and XXXX and XXXX dispute have just come in, and say verified. How is this possible?. Reporting inaccurate information is also a violation of the FCRA. Enclosed is proof that payments was on time and never late Your company never sent me a billing statement and was advised that because of the mistake I would not have a late payment. I had to call your customer service and was told a statement was going to be sent to me and now I look at my credit report and you put 30 days late when it was your company and billing error. 

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

I am identified as someone who may have had personal information hacked.
Product: Credit card or prepaid card

Applied at Bass Pro Shop.Capital One. was turned down. got reason for rejection as they wanted proof of income-Sent them signed XXXX page of tax return showing over $ XXXX in income. Never heard from them. Called and they acknowledged received it but was not good enough for them- never initialed another rejection. My score in both major bureaus is over XXXX. XXXX closed prior paid Cap 1 accounts all paid as agreed. I have other credit cards. I found the process illegal and discriminatory-I am XXXX and highly XXXX. How many other customers are they requesting proof of income. Its not like I was requesting a multi XXXX limit. I have plently of pre approved offers thru XXXX XXXX. 
I just wanted one for the sporting goods store logo if you will and would use it to get points when I shop at Bass Pro/Cabela 's . The inquiry hit my credit report on XX/XX/2022. I tried to work it thru Cap 1 but to no avail. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX A XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} - XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and Dept of ED have fraudulent accounts on my credit profile that need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AMERICAN HONDA FINANCE, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, AMERICAN HONDA FINANCE, XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, a forbearance request was made and approved by XXXX XXXX for 2 XXXX XXXX backed mortgages. In XXXX of XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; XXXX XXXX then reported to all XXXX credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted XXXX XXXX several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES ACT.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


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 XXXXXX/XX/XXXX
Product: Student loan

I was unemployed starting XX/XX/ and immediately submitted an unemployment deferment request. I didn't hear from the Loan Servicer whatsoever about the status of my deferment request. I submitted another unemployment deferment request on XX/XX/ and to this day, I still haven't hear anything from this Loan Servicer. I called them XX/XX/, and they have no record of my first submission and was told to wait for my second deferment to process. They are refusing to review and approve my unemployment deferment request while months of payments are mounting and late. They are illegally holding my account XXXX to hurt my credit and accrue interest on late payments.