23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Please investigate the practices of Experian. They have manipulated my credit report and score. They are unresponsive and vague. My score has recently dropped XXXX points yet no one is able to give me a consistent answer as to what has happened. I have filed several disputes and they remain unresolved in addition I have cancelled my monitoring service. 2 days before the cancellation I was notified my score dropped XXXX points. I pay my credit card balances in full every month and I do not have any late payments that are undisputed. In addition, they are allowing a creditor to continue to " update '' information that is 15 years old. I have made XXXX calls and spoke with a manager " XXXX '' who all provided me with inconsistent and unverified information. I am exhausted with the run around, the responses I receive from Experian are. '' We do n't know '', " Probably '', " Contact the lender '', " It will take 30 days for a response '' I am in need of assistance from a governing agency above and beyond Experian and again I want a complete review into the very suspicious dramatic decline of my credit score upon cancellation of my subscription service. That is key information and I am willing to contact local media to investigate this company. In addition, it is my concern that this action is discriminatory. PLEASE contact me ASAP, I have been caught in this cycle for over a year and I have pending important matters that I need to take care of that involve my credit. Time is of the essence, I need to bring attention to and STOP this FRAUDULENT behavior.
Product: Student loan

In XX/XX/XXXX I made an extra payment of {$100.00}. My bank automatically made the payment of {$100.00} for the regular payment that was due XX/XX/XXXX, they changed the amount to {$240.00} but my automatic payment was not changed by them as I thought it would be since I set it up through Fedloans. On XX/XX/XXXX I noticed I had a past due and paid {$250.00}. On XX/XX/XXXX the {$250.00} was out of my bank account and my bank says it has been paid. I called fedloans on XX/XX/XXXX because I noticed they now want {$350.00} and say they have not gotten it. The woman told me to call my bank which I did but did not give me a fax number or what to request from my bank in the first place. The first time I called fedloans they hung up on me after being on hold for 10 minutes. I paid diligently every month for 2 years despite only making {$8000.00} in XX/XX/XXXXand {$15000.00} in XX/XX/XXXX. One mistake which I took immediate action to correct and they want to ruin my credit and charge me fees I ca n't afford.
Product: Debt collection

Harassment from Orion Debt Collection This complaint is about violation of my rights as a California resident. Orion Capital Solutions, LLC. violated my right to request calls not to be made during my work hours. Nevertheless, I was harassed over the duration of the phone call  by the representative, going by the name, XXXX. 

I received a call from XXXX on XX/XX/XXXX suggesting that I call back about regarding my address. I followed up with a call and left a message that same day. 

XXXX called back on XX/XX/XXXX and reviewed a claim from XXXX XXXX XXXX ( an unsecured loan ) that was taken back in XX/XX/XXXX. I told her that I spoke with someone 3 months prior about the loan being paid. the loan was {$2500.00} and the amount paid was over {$5000.00} nevertheless I had a processed bankruptcy file at that time and I included that loan. XXXX continued to persist with information but as I told her the information I provided to the previous XXXX XXXX XXXX Rep, she told me that she could not hear me so she continued to talk over me. XXXX mocked me for not having paperwork from the company XXXX XXXX XXXX but I told her all correspondence I received came from the website. To my knowledge, the loan was closed as of XX/XX/XXXX. 

The problem I have was, Although XXXX continued to talk over me, I suggested she email the information. XXXX then fires back sarcastically that they tried that before and was telling me that I was refusing to work with the collection agency. I reconfirmed that I never received an email from this agency. XXXX continued to harass me over the phone while I told her that she was calling me during my work hours and I did not appreciate her harassment nor the way she was conducting the call. Not once did she consider my request that she was calling during my work hours but she continued to tell me that she had a right to call me at any time. I have XXXX XXXX XXXX and started to have a XXXX XXXX due to the harassing suggestions from XXXX. Nevertheless, she told me that she could not hang up the phone as she continued to tell me that can call me anytime. After I mentioned that I was recording the time she stayed on my phone to harass me, she finally hung up. 

The complaint is about Orion Capital Solutions, LLC and the customer care rep., XXXX. I do not deserve this type of treatment especially since I had the understanding that this credit was resolved based on previous conversation with a rep from that company. I am a resident in California and my rights were violated by Orion Capital Solutions, LLC.
Product: Credit card

XXXX and XXXX put false information on my credit report. I was XXXX when someone took a credit card out in my name. I never permitted. I told XXXX and they still made me pay it. They said they will make my credit better if I pay it and they never did
Product: Debt collection

XXXX Apartments XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) I gave them notice before the first that I was moving out and my new lease did not start until XXXX XXXX. In their notes they lied and said that it was XX/XX/XXXX. Finally, the manager called back and said that I actually did call them prior to me moving out and that I did give them notice. The manager said that she could have charged for me a whole year of rent if she wanted to. This is a bullying tactic. In the state of Texas you can't double dip. If she had rented that apartment unit out for the whole year that she was threatening me for, then that is considered double dipping, which is considered fraud. The collection agency is contacting them to see if they did in fact rent the unit out immediately after I moved out, and if so then it is fraud.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 
XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of ED/XXXX  - XXXX XXXX ) Dept. of ED/XXXX - XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of ED/XXXX  -Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) XXXX  - Acct # XXXX XXXX ) XXXX  - Acct # XXXX XXXX ) XXXX  XXXX Acct XXXX XXXX X XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 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 reporting 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

Have tried both numbers for Factual Data and they can not tell me whom these Hard inquiries are for that only I would know that info. I have asked around and they seem to be able to report this for just about anything at will. Asking they be removed now not 2 years from my account or proof of what these are for. 

FACTUAL DATA XXXX : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX Institution Information FACTUAL DATA XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- FACTUAL DATA Inquiry : XX/XX/XXXXCredit Union ( XXXX ) XXXX Institution Information FACTUAL DATA XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting agency negligently handled sensitive personal information, and further withheld details of the incident for an improper period of time.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Request for Due Date Change and Concerns Regarding Collection Process Dear [ Creditor 's Name ], I hope this letter finds you well. I am writing to inform you that I have formally requested a change in my account 's due date to the XXXX of each month. Unfortunately, the current due date has led to delays in processing my payments, causing my account to be marked as late. 

On XX/XX/XXXX, One Main contacted my workplace regarding a payment of {$17.00}. I inquired about why they did not contact my cellphone as usual, and I was informed that this was part of their collection process initiation. This has raised concerns for me, as I believe direct communication through my cellphone should be the primary method before escalating to my workplace. 

I want to assure you that I have made the XXXX payment today, totaling {$350.00}. However, I am reaching out to express my concern about the collection approach and to reiterate my request for the due date change to the XXXX of the month to avoid such situations in the future. 

I appreciate your attention to this matter and kindly request confirmation of the due date change and assurance that my account will not be subject to workplace contacts unless absolutely necessary. 

Thank you for your understanding.
Product: Credit reporting or other personal consumer reports

There's a credit card that shows was open and currently shows delinquent by me that I never opened. I never opened that credit card and need it removed from my account
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX - XXXX - {$260.00} XXXX - XXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Lexis Nexis, Lexis Nexis why are refusing to send me my Consumer Disclosure Report that I am allowed by law free? 

On XXXX, for maybe the XXXX time, I submitted the request online here XXXX XXXX XXXX XXXX I then verified my identity by email and landed on a page that read " Email Confirmation request sent If you requested reports you should receive a message via US Mail within two weeks. '' Both of these copies will be attached to this complaint. 

I have done this before - then XXXX weeks later get a hard copy piece of mail that says you can not verify me ( see attached ). 

So, attached to this complaint will also be my drivers license that shows as well as my social security card - keep in mind these are supposed to NOT be required by law - but I am supplying them anyway so you have no excuses. 

Attached to this complaint are : - copy of my drivers license - copy of my social security card - proof from Lexis Nexis online I filled this out - email proof I confirmed the email - The letter from you that states you cant verify my identity I dont appreciate being given the run around by you over and over again to receive MY OWN Consumer Disclosure Report.
Product: Credit reporting or other personal consumer reports

Pursuant to a XXXX XXXX XXXX visit to XXXX XXXX, an auto sealership, seeking financing for a vehicle. I completed an application for the vehicle with the understanding my credit file was to be pulled 1 time for review, only to find out my personal information was shared with 7 other financial institutions without my permissible authorization, that has equated to 7 different inquiries reflected on my credit. My personal information was forwarded to the following institutions : 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

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # 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 a account without my written instructions
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

XXXX XXXX XXXX & XXXX {$1400.00} I challenge the accuracy, compliance and reportability of this listing.This is indeed against F.C.R.A. law.

There is no contract, no valid claim ... account was settled with creditor and bureaus decline to remove it, and I contacted creditor, and was informed that it was not verified.

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

ONLINE INFORMATION SERVI Account number XXXX This Company has Failed to validate, Verify this account, They have been reporting to my credit reports and I have no knowledge of this account, I have requested and disputed properly and formally for this item to be removed for my credit report as per the fair credit act.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Unauthorized Credit Card Charges and Incorrect Billing by Home Depot and Citibank Dear Sir/Madam, I am writing to formally lodge a complaint against Home Depot and Citibank concerning the unauthorized use of my credit card and the subsequent mishandling of the issue, which has adversely affected my XXXX score. 

I discovered unauthorized charges on my Home Depot credit card. I promptly contacted Home Depot to report the fraudulent activity. After conducting an investigation, Home Depot sent me a letter stating that I was not responsible for the charges. Despite this, I have continued to receive billing statements and collection letters from both Home Depot and Citibank demanding payment for the disputed amount. I have contacted both Home Depot and Citib
ank multiple times to resolve this matter, providing them with a copy of the letter that absolves me of responsibility for the unauthorized charges. Unfortunately, they have not corrected the error, and the outstanding balance remains on my account, which is now negatively impacting my credit score. 

Enclosed with this letter, please find copies of the following documents for your reference : The letter from Home Depot confirms that I am not responsible for the unauthorized charges.

Recent billing statements and collection letters from Home Depot and Citibank demanding payment.

Any additional correspondence I have had with Home Depot and Citibank regarding this issue.

This situation has caused significant stress and inconvenience, and I am seeking the Consumer Financial Protection Bureau 's assistance to ensure that Home Depot and Citibank : Remove the unauthorized charges from my account. 
Cease any further collection attempts related to these charges. 
Correct any negative information reported to the credit bureaus due to this error. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX Letter from Home Depot Recent billing statements and collection letters Additional correspondence with Home Depot and Citibank
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no idea of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX, XXXX - XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$4200.00}, XXXX XXXX XXXX XXXX XXXX : {$860.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$860.00}