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

The credit bureaus are not following the laws. I showed them multiple times of how they were violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-2, 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 the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this PLEASE HELP
Product: Student loan

Edfinancial over drew from my account without my consent. I only made XXXX payment with them amounting to XXXX dollars and they actually charged me twice totaling XXXX dollars. I only have a confirmation for XXXX amount of XXXX dollars. This was a mistake on their end and they are now taking their time getting me my money back. Ive asked for the XXXX dollars that they withdrew from my bank account and I have yet to receive it. They withdrew the extra XXXX dollars from my account on XX/XX/XXXX. It is now XX/XX/XXXX. Its been almost 6 months and still nothing. That seems rediculous to me and they dont put any urgency into this scenario as this was a mistake on their end. If I were the one that owed them, they would be all over me about that. Cant get any answers from anyone I talk with on the phone. I want my XXXX dollars back.
Product: Vehicle loan or lease

Hello, I purchased a car with Chase Auto Finance in XX/XX/2017. In XX/XX/2017, I was diagnosed with a XXXX XXXX. I have had to date XXXX XXXX on my XXXX to rid the XXXX. Unfortunately, I was late on my car payment. The account did not go 30 days late but, it was late. My income was reduced drastically, I went from making XXXX a year to XXXX. 

Moving forward, I was injured at my job. I fell and XXXX my XXXX, XXXX my XXXX   XXXX. I reached out to Chase and asked for a deferment in payments or reduction. I was denied, and I was told that because Im late every month is why I can not get a deferment. Chase has been well aware of my hardship, and has not made any attempt to assist me. No one in their right mind would willingly occur late fees. To feel as if Im being scolded like I am a child, when I called is obscurd.
Product: Credit reporting or other personal consumer reports

I have sent XXXX, Equifax, and XXXX letters by mail demanding for deletion of inaccurate information on my consumer reports. I have also sent these companies FTC reports as well because I am a victim of identity theft and furthermore this is not my first complaint about this type of situation more like the XXXX time this year. when asked for removal accompanied by the law that would back the removal of unauthorized information, the companies would send a debt validation notice then go on to say that removal would not be indited causing great stress and suffering on my behalf. these companies keep negative information on consumers reports delaying efforts to report accurately when suggested. sounds like identity theft to me. Then when a complaint is made they never fix everything only some things are fixed but not all of them. I have filed more than XXXX complaints for these companies to fix the information that was inaccurate and they still have not! Sueing them would be the best option!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute by mail to EQUIFAX regarding an inaccurate 60 day late payment XXXX XXXX is reporting which is having a negative impact. EQUIFAX continues to send a generic response stating it was verified and validated as accurate but fails to provide the supporting documentation and method of verification requested. The fact that this generic response is being sent confirms no actual research/investigation was actually conducted. I am requesting EQUIFAX completes an ethical and actual research and delete the late payment.
Product: Credit card or prepaid card

Hi, i applied for a Delta Gold Business credit card from Amex with a sign-up bonus of XXXX Delta miles subject to meeting of minimum spending requirement within the time allowed. I met all the requirements in XXXX, 2017 to get sign-up bonus but i have not received sign-up bonus. I called Amex multiple times and they have been saying that they opened a case to investigate it but i don't see any resolution from them.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several accuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported in XXXX and XXXX of XXXX  that I was late reported balance is {$13000.00}. 

XXXX XXXX reported in XXXX of 2024 that I was late on balance of {$25000.00}. 


In accordance with Fair Credit Reporting Act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. My rights have been violated under this act and I have the right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection any consumer reporting agency can not furnish a consumer report without my written consent.

15 U.S.C. 1666b If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

A creditor may not treat a creditor may not treat a credit payment on an account as late to an open account for any purposes.
Product: Debt collection

Paypal does multiple calls everyday in order to collect a debt before its out sourced to a debt collection agency has called 4 times today then when I brought up how many times a day theyve called it was simply your state law allows 6-10 calls a day along with that anytime I look up the number called by ( ( XXXX ) XXXX ) it comes up as scams so could not be even PAYPAL.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( Case XXXX ) Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Fraudulent Account : XXXX XXXX Account # XXXX Balance : $ XXXX : XX/XX/XXXX Fraudulent Account XXXX XXXX XXXX  Account # XXXX Balance : $ XXXX : XX/XX/XXXX I have found that Experian has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), which mandates that credit reporting agencies ensure the accuracy and integrity of the information they report. I am also concerned about the inadequate procedures your agency has followed regarding the investigation of disputes and the improper reinsertion of erroneous data, which has led to severe financial harm. As highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, which was filed for failure to properly address consumer complaints about inaccurate data, your agency 's handling of my disputes appears to violate key provisions of both the FCRA and the Consumer Financial Protection Act ( CFPA ), including failure to properly investigate disputes : Under 15 U.S.C. 1681i ( a ), credit reporting agencies must conduct a reasonable investigation into consumer disputes. The CFPB has alleged that Experian, and likely other agencies, routinely engage in " sham investigations '' by accepting responses from furnishers without proper scrutiny.

I assert that my dispute has not been thoroughly investigated, and I have received ambiguous or incorrect responses regarding the accuracy of my financial data. The FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) prohibits credit reporting agencies from re-inserting information that was previously removed due to inaccuracies. Experian has failed to implement adequate procedures that prevent the reinsertion of incorrect data, as noted in the CFPB 's allegations regarding Experian. As a result, inaccurate information that I have disputed continues to appear on my credit report, negatively affecting my credit score and financial opportunities.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX Account Name : XXXX, XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX Unauthorized inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. There is a wrong address on my credit file. The address is XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX. There are two collections from XXXX XXXX XXXX  that do not belong to me for the amount of XXXX and XXXX
Product: Payday loan, title loan, or personal loan

To whom it may concern : This is a follow-up to complaint previously filed through the CFPB on XX/XX/XXXX. 

The original complaint was in regards to an incorrect pay-off amount, and the resulting delay in the release of my vehicle title. In the original CFPB complaint response, the parent company of " XXXX XXXX XXXX '', " Westlake Financial Services '' replied. They replied on XX/XX/XXXX admitting fault. Furthermore, the response stated that my account would be waived of fees and that my account would be paid in full. Finally, it was stated my title would be sent to me by mail. 

Unfortunately, none of this has occurred. As of today, I have not received the promised title. Rather, I have continued to receive harassing collection phone calls from XXXX XXXX XXXX, despite my requests for agents to not contact me by phone and to add me to a Do-Not-Call registry. This is a blatant TCPA violation, which by law is a fine-able offense. This means that my account has not been closed, as they have stated in the original response, and that I have been lied to by the company. I have sent in the CFPB response to the company by fax and email on numerous occasions but this is still not resolved. 

I am now afraid that even though I have rightfully paid off my account that they may wrongfully repossess my vehicle. I am unable to trade-in my vehicle without the title. I am in constant stress while this continues to be unnecessarily dragged out over a mistake that was easily rectified by the company.
Product: Credit reporting or other personal consumer reports

They will not remove the credit report. I have been garnished 3 times for the same amount and it is affecting my finances and my credit report. I am not the only one that is being affected by this. There are at least 200 others as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last three months I have submitted legal documents from XXXX CREDIT CARD SERVICES TO Experian Credit reporting agency to remove negative credit from my credit report. I have filed with Experian 14 times showing that my credit is perfect and 14 times XXXX states to Experian that I have negative credit with XXXX. I have a legal document from XXXX stating to all credit companies I don't have negative credit. I have a legal court date and have had contact with XXXX attorney Ms XXXX XXXX. 
( XXXX ) who has tried to fix this matter and has no Idea why XXXX is not complying with a court order and legal document attached stating to all credit reporting agencies that I have perfect credit with XXXX. I was on the Phone with Experian today and they have the legal documents from XXXX but when they contact XXXX to confirm the document XXXX denies the document.???? This has ruined my ability to get a home loan and employment due to my credit is XXXX and and it has been at XXXX for 25 years. I am a XXXX XXXX XXXX and live on a XXXX on the job injury. I am going to file a American Disability Act discrimination law suit against XXXX if they don't contact Experian and clear this matter at one.
Product: Checking or savings account

I called chime bank on XX/XX/XXXX after I had gotten a notification stating there had been a declined debit card transaction from XXXX XXXX and the merchant is blocked in my account on XX/XX/XXXX I had them blocked as this is the second time this has happened to me now, well even with the notification and chime being aware that XXXX was blocked they still allowed them to make multiple unauthorized debits from my bank checking account on XX/XX/XXXX in the amounts of {$25.00}, {$30.00}, {$30.00}, {$30.00},, {$30.00}, {$10.00}, {$14.00} and {$22.00} for a total of {$190.00}. chime bank supervisors and customer service agents told me that when someone used my card that when the debit didn't go through for betmgm that they made another account just to be able to take my money!!! Now I don't see an establishment making a special account just to take my money but that's the excuse that chime bank gave me when I asked why they would have allowed them to take my money when they were blocked. Chime is now telling me I have to wait for these transactions to settle and then file a dispute that they won't stop the payments when they should have never let them even go through I'm beyond livid at how a bank could let a blocked merchant access XXXX of they're customers funds!!
Product: Debt collection

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed.

n addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

Please send a letter stating that these issue has been resolved to : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize chex systems to distribute my data to anyone. I have not given chex systems authorization to store my data or manage my data. 

I am disputing XXXX entries on my Chex systems report. 

I want to be provided every document that will support each entry and and complete itemization of every dolar you allege I owe and anyone that furnishes data to you I want a complete statement of every transaction to show what you are Reporting or we are going to federal court. 

You see on notice.
Product: Student loan

After I finished paying off my student loans on XX/XX/2024, Aidvantage processed an autopayment of {$560.00} on XX/XX/2024, leaving XXXX of my loans with a - {$560.00} balance. I asked for the money back and they said they'd deposit it in my account in XXXX weeks. After XXXX weeks they said they'd sent out a check, but I never received it and they didn't have a tracking number or anything to prove they ever actually sent a check to me. Now they're saying I have to wait 14 months for the check to go " stale '' before they can reissue it, even though banks are perfectly capable of canceling checks.
Product: Credit reporting 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 delete these Items ( A ). It is not permissible to fail to delete these reporting Items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 XXXXXX/XX/XXXX
Product: Bank account or service

Applied for and was approved on XXXX XXXX for a Citigold Checking Account using the promotion code XXXX. This promotion included XXXX XXXX XXXX miles to be granted upon completing {$1000.00} in debit card purchases and XXXX bill payments within XXXX months of the account opening. I completed these stipulations on XXXX XXXX 2016. When I had opened the account I called to confirm the promotion was attached and that after I met the minimum requirements I would receive my XXXX XXXX miles, which was confirmed over the phone. I sent a message to confirm that I would be receiving the miles and was told that because I was n't targeted directly for the account they would not be honoring the initial promise. I tried a second time resolve this matter and was again told they would not be honoring their promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX has reported a loan 3 times and reported that I was delinquent 3 times. The loans have the same open date and I don't owe 3 different balances. I have tried reaching out to the company and they disregard my request to fix it. See page 2 & 3 of the report that was pulled by the mortgage company. XX/XX/XXXXhas single handily kept me from getting into a new home! Please help
Product: Debt collection

On XX/XX/2022, I sent a Revocation of Authority to Contact Third Parties, informing Bridge Lending Solutions that I am revoking their right to contact third parties related to me. One of their representatives, XXXX, contacted my son, XXXX, by phone call on XX/XX/2022 at XXXXXXXX XXXX PST. The phone number used to contact my workplace was XXXX ( XXXX ) XXXX. I understand that these type of calls are meant to intimidate and harass me, and I would like for Bridge Lending Solutions to respect my privacy. The lender did not identify themselves, but I recognized the phone number in the screenshot that my son sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; P XXXX XXXX C U XXXX Balance Owed : {$20000.00} ; BANK OF XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> sent letter requesting agreements XXXX Citibank card Various other credit cards reporting late
Product: Credit reporting

XXXX initially requested Equifax delete the account on XX/XX/2016 ( XXXX ), and Equifax refuses to update the file. On XX/XX/2016, XXXX again requested the account is removed from the Equifax report and provided me XXXX. Equifax refuses to remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

all negative account are not mines and need to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$140.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXXXXXX XXXX XXXXXXXX {$410.00} XXXX   XXXX XXXX {$520.00} XXXX   XXXX {$190.00} XXXX XXXX XXXX {$190.00} XXXX XXXX {$410.00} DEPT OF ED XXXX XXXX {$82000.00}