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

According to the Fair Credit Act my credit file has to be 100 % accurate. my XXXX XXXX  account credit limit is {$1000.00}. Experian is reporting {$500.00} on my credit file. Experian has failed to update my balance and credit limit. This is affecting my credit score in a negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent a delinquent account that belongs to someone else to Southwest Recovery Service, a collection company, Southwest then reported the delinquent account to the credit agencies under my name. XXXX rejected the report as the name, address, social security are different than mine. However, XXXX and XXXX did report the negative credit under my name. I contacted Southwest who admitted that the delinquent account belongs to another person but claimed that they reported it correctly and I needed to contact XXXX and XXXX. I made multiple contacts with both agencies. XXXX did fix it, only to accept it again a month later. XXXX said they completed their investigation and determined that it is me who owes the delinquent account, they provided no further details. I then contacted the original creditor, XXXX XXXX XXXX who admitted that the account belongs to XXXX XXXX and not me, however, they want me to get a copy of my XXXX death certificate before they close their account. I have no access to his death certificate as we are not related. In short, the 4 entities named above are destroying the credit that I worked so hard to establish and will do nothing to clear the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Product: Checking or savings account

Somebody Stole {$1000.00} From My Chime Account And I Put In XXXX  Rebuttals And They Refuse To Give Me My Funds Back And Even Stooped Low To Closed My Account
Product: Credit reporting, credit repair services, or other personal consumer reports

Today on Friday, XXXX XXXX at around XXXX EST I spoke with XXXX XXXX an auto loan representative with Bank of America . She asked me questions to verify my identity and one of the questions asked for my current address. I provided my current address to  XXXX and she said she could not move forward with the approval of my loan because the address she had was not what I told her. The address she ultimately told me is not my current address. I have not lived at that address for over 18 months and yet she could not move forward with the approval. I was shocked. I have been a client of Bank of America since 2015 so they are well aware of my mailing address. She said that BOA had my correct mailing address but that it was the third party company that they use to verify the client showed a different address so she couldn't move forward. I asked for the name of the third party company but she said she wasn't at liberty to disclose that. 
I am deeply disappointed as she and XXXX, the representative I spoke with yesterday who filled out my application, verbally given me the approval and just needed to verify my identity before sending me the approval letter.

This is so weird. I don't know who has my wrong address but it needs to get fixed. Now I don't want another hard pull on my credit so I don't think I'll be able to purchase a new car. So disappointed.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I reached out to XXXX  XXXX XXXX to set up a payment plan for my already closed credit card account. I was told the payment plan would be for {$510.00} a month but that the account will show every month a balance of {$370.00} but to ignore this and that when I am able to make extra payments this will go away. I continued to receive calls from XXXX that my account was past due even though I was making my payment of {$510.00}. Upon speaking to someone on one of these daily calls from XXXX I was told inaccurate information that I hadn't make a payment in a year and that he couldn't see any of my recent payments or history of my payment plan. I told him I wanted this escalated because he had no idea what he was talking about. I was transferred to someone that was very helpful and told me that he could see that I have been making my payments of {$510.00} and that the calls will continue until I could make extra payments and that it would not get sent to collections or reported. He also mentioned if I am ever a couple of days late with the payment that it would be okay because they have a grace period. Fast forward to today, I get a notification of a new update to my credit report. Apparent XXXX  reported my for delinquent payment ( the {$370.00} play the {$510.00} that was a few days late ). I have went my whole life with no late payments on my credit report and XXXX  just destroyed that because they are not on the same page.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly handle my recent credit report dispute. I submitted a dispute via mail to address inaccuracies, providing all requested information to verify my identity. However, Experian responded, claiming my identity was not verified, delaying the dispute process. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate disputes and make necessary corrections in a timely manner ( 15 U.S.C. 1681i ). This delay violates my rights under the FCRA, as I fulfilled all verification requirements. 

I request CFPB assistance to ensure Experian complies with FCRA regulations and promptly resolves my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inquiries for things I didnt apply for or authorize Ive asked for application proof and have not received anything from the establishment with my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy federal government agencies Mobile banking online app XXXX XXXX to The US Department of Labor Freedom of speech tools Consumer financial protection Annual lines of credit permanent end of life declarations XX/XX/2020 Page Transparency mailing address and XX/XX/XXXX Fastest growing occupations federal government credits agencies in the United States of America XXXX XXXX and ages of individuals XXXX down payments XXXX XXXX XXXX XXXX XXXX ; following up on The American Policy holders association XXXX XXXX XXXX producer Update claims case files XXXX owner 's payment tools matching wallets XXXX XXXX XXXX And wife XXXX XXXX real Human services call in numbers XXXX and XXXX garage parking lot declarations Act of Sale Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX change mailing address to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX matching Voters voters Registry sealed permanent XXXX medical necessary services Post and Annual coverage premium XXXX down rates letters enrollments ending Listing courtesy of XX/XX/XXXX / XXXX XXXXXX/XX/XXXX Last checked : 3 minutes ago Last updated XX/XX/2020 Source : XX/XX/XXXXXXXX XXXX XXXX Report a problem verify by Estately Help Credits federal Frontliners workers legal assistance accommodations now direct Clear swift filling pricing LLC premiums registrations shoppers doing business as Early Warning exampt signs XXXX XXXX Dispatch Emergencies first responders 911 Humane rescue law team XX/XX/XXXXsite total protections trusted site sales boosting overview oversight by Webmaster LA- Help Desk work for anywhere XX/XX/XXXX pin code Verify by XXXX Abuse report merchant fraud ebt food sale authorizing EBT Snap entry method swiped approved online hatch XXXX on XX/XX/2020 Invalid # XXXX approved code XXXX total UDS {$3.00} FD Balance XXXX XXXX United States XXXX XXXX XXXX secured profile 's XX/XX/XXXX XX/XX/2020
Product: Debt collection

Despite multiple CFPB complaints citing REAL laws, cease and desist orders, and identity theft reports, This company continues to email me and send me mail for a debt that is NOT MINE. I have proven per previous complains that the debt is not mine and that they are in violation of my rights as a consumer. The accounts are to be removed immediately and i want restitution for the damaged caused to my credit, being in non-compliance, and for the mental and financial stress this has put on myself and my family. My home currently has no heat and i have XXXX kids to take care of because i am unable to access credit that is rightfully mine thanks to the inaccurate reporting and NON-COMPLIANCE of this company. Negligence of the law is no excuse for your actions. Find the previous CFPB complaints. I'm not doing any more of your work for you.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX  referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment for XX/XX/XXXX was made on time. I have provided bank statements and payment confirmation receipts as evidence, which clearly show that the payment was processed and sent before the due date. 
Despite providing these supporting documents, the late payment was inaccurately recorded on my credit report by Experian. 
Although I followed the correct dispute process as per the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Student loan

Should have qualified for the PSLF program XX/XX/2017 In lieu of working for the XXXX XXXX XXXX for over 10 years and making timely monthly payments all along. After my application for the loan forgiveness was denied I was told that because I'm married and filed my taxes jointly with my spouse then my repayment plan should have included her income too. This was never disseminated to me, never posted on the loan providers website, nor ever mailed to me throughout the years I've been paying my student loans. Four different providers have had ownership of my student loans over the years and never did any of them alert me of this. The prerequisites were to work for a public service employer and make 120 timely payments to qualify for this loan forgiveness.

After being denied the loan forgiveness I called the current loan service provider and asked that they provide something in writing verifying when I was notified of the type of repayment plan I should have selected to be granted this forgiveness. They never did. I submitted a complaint to my Congress man and never received a response from his office. Followed up with the loan service provider and asked them to provide to me in writing how many more payments would I have to make if I transitioned to a repayment plan that included my wife 's salary too to be eligible for the loan forgiveness. Over a year later they still haven't provided anything to me in regards to this inquiry. Spoke with supervisors and still no tangible information has been provided.
Product: Checking or savings account

on Wednesday fed XXXX I deposited {$840.00} into a Bank of America atm and the atm did not deposit my cash or return it. I contacted Bank of America the next morning and was told I would receive my funds within XXXX XXXX hours. I still have not gotten any of my money and when I contacted Bank of America again they now said I won't be credited my money for up to 45 days.
Product: Debt collection

This company continues to call and hang up on my phone while I am at work. I did not give them permission to call my cell phone. They are violating UDAP, Texas Debt Collection Act, FDCPA and TCPA. They call from different numbers. One day I believe they even called me before XXXX. They dont leave messages. I feel threatened as this woman just told me with all these harassing phone calls. It appears this company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law and the other previously listed regulations. 

I request validation of this alleged debt as the amount listed is not correct. I have been paying XXXX for my car insurance for over 2 years. I recently made a payment to XXXX and this letter seems to state the alleged debt is more than it allegedly is. 

I am filing a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the XXXX, XXXX  and XXXX XXXX and XXXX this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. 

I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). 

Regards
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX # XXXX opened XX/XX/20XXXX XXXX XXXX XXXX XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Debt collection

Repeated, daily calls with no voicemail left or explanation for why contact is being made. I initiated contact directly to their customer service department, providing my phone number and asking why they were contacting me. Across multiple emails, the company refused to explain why they were calling and attempted to collect personally identifying information. They sent an email claiming they had removed my number from their system and apologizing for the inconvenience. Since that email claiming they would cease contacting me, I have received subsquent calls once every XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I called National Credit Adjusters to inquire about an account that shows on my credit report as being in collections. On that same day, I settled the account with them for a lesser amount and was told that all three of my credit reports would be updated between XXXX XXXX to reflect that the account is fully paid. On XX/XX/XXXX, I checked my credit reports, and it shows that they did update my credit report but not showing that it had been settled, but that payment was received and that I still had a balance showing that it was past due. I disputed XX/XX/XXXX with all three credit bureaus to have information updated to report the correct information. I have received the dispute back on XX/XX/XXXX from XXXX, and the information that came back was after they researched the credit account. Account # - XXXX ( please refer to page 6 of the Dispute from XXXX  ) The results were that the creditor has verified to XXXX  that the balance has been reported correctly. The following fields have been modified. When I looked at my credit report, I saw that they updated the payment back to the original amount as if it never been paid. I sent in proof from the collector that shows this has been paid and settled. By the information being reported wrong again, this is going to cause my report to be affected
Product: Debt collection

I believe it was in XXXX of 2020 that my cable/internet service with XXXX XXXX was disabled due to a storm. I called and informed the company that my service was down. On Friday I was informed via voicemail that a repairman was coming to my house on Monday for the pending service call. He never showed up and I was without service for 2 weeks. Since no one showed up to fix my cable/internet I called and cancelled my service with XXXX XXXX. Then I contacted XXXX to have service installed. Each month since XXXX I have received a bill for service even though I canceled my service. Now I have received a letter of collectionsstating that if I don't pay the collections company ( Credit Control Corporation XXXX XXXX XXXX, Va ) a balance of {$110.00} that they will report it to the Credit Bureaus and damage my Credit Rating. I called today to talk to XXXX about the issue and the Collections Dept. operator named XXXX just gave me the phone number for Credit Control Corporation. She didn't even bother to discuss the issues with me about no service and no repair.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The fraudulent inquiries I have found : XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXXXX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXXXX/XX/year>. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.