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

I am accusing Experian of fraud. Experian has deliberately removed three XXXX student loan accounts that were in good standing and closed in XX/XX/XXXX. These accounts were to be on the credit report until XX/XX/XXXX, thus Experian violated its own regulations. Also, Experian fails to give an explanation for the deletion. A credit reporting representative admited that the early removal of satisfactory accounts negatively impacts a consumenr 's credit score. In addition, Experian reports payment history information in a misleading manner, such as high balance amount running from year to year or a series of years without change ; or mortgage presented as an unchanging high balance loan ; and an inaccurate payment history for accounts. I have been trying to resolve my disputes with the agency since XX/XX/XXXX to no avail
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I purchased furniture From XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Maryland for the price of {$140000.00}. With a 3 month payment plan. I was told after the 3 months I would be charged interest, however the exact amount was not determined. They simply said no interest for 3 months then it could be up to % 50 interest. Prior to the One month into the furniture purchase the loan company, ACIMA charged {$3000.00} loan against my credit! I did not borrow {$3000.00} and it was reported as a loan against my credit without my knowledge before their 3 month deadline. I contacted the company and they said that is standard. It is not, it is a lie! This {$1400.00} loan that appears on my credit as a {$3000.00} loan with their inflated % XXXX interest caused me to be denied housing assistance by XXXX and lowered my credit score 200 points. Also the company, ACIMA, emailed me a fraudulent contract which I NEVER signed or agreed to saying I agreed to pay {$3000.00} for {$1400.00} furniture, I DID NOT! The electronic signature is false and is not my signature. Furthermore, I still have the copy of the original agreement that I signed along with the furniture representative. I would like ACIMA to take this {$3000.00} off of my credit and adhere to the original agreement with reasonable interest, since I did not borrow {$3000.00} in the first place. This practice is predatory lending and downright theft, it must be stopped. It is FRAUD! Everything is based on credit scores in America and the idea that a company can put a false loan on a persons credit is scary and disturbing IT IS CRIMINAL!
Product: Credit reporting

The Account for XXXX XXXX should be removed due to it being on a home that was foreclosed on and the XXXX late for this trade line was over XXXX years ago. This account was removed from my credit file with XXXX and XXXX, see attached credit reports. This account was joint with my wife and was removed off of my wife 's credit report with Experian, please see attached.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Transunion regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, XXXX has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/year>, XX/XX/year>
Product: Credit reporting or other personal consumer reports

My address is wrong and I want only One address reporting on my report. I have sent this request in several times. Dear consumer department : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My current and ONLY address is XXXX XXXX  XXXX XXXX XXXX Illinois XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of you legitimate AUTHORITY to retain much less report without infringing my consumer rights. You are not authorized to report my Social Security number on my credit report or sell any information containing my Social Security number to any company. Reporting my Social Security number on my record report arises a safety issue and opens me up to potential identity theft. Immediately delete any and all Social Security numbers that your company is reporting on my credit report. My date of birth is XX/XX/XXXX. I do NOT have any requisite OTHER dates of birth, and I do NOT desire any OTHER dates of birth to be retained or reported if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported. If ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that timeframe, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX  XXXX XXXX XXXX IL XXXX. Thank you. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/20 I was laid off due to covid-19. I contacted XXXX credit card, they waived my payment. I then tried to contact citibank via the messenger in the app. They told me I would have to call. I called and explained that I was seeking help due to covid-19. The customer service representative came off as very rude. His response was " OK so do you want a payment plan or something? ''. I was a little surprised by how he was talking to me. He looked up one of my cards and said there's no late fees ever on that card so don't worry about it. Then he looked into my other card, and just said that he was gon na waive the late fees. I explained that my other credit card waive the payment for me, but he wouldn't do anything. I asked if my payment would double up since hes telling me I don't have to pay it and he couldn't give me a for sure answer. I logged into my account yesterday and noticed that I do have a double payment on the on account. I have sent several messages to citi bank via their app And sometimes they just cut my conversation off and end the conversation without any resolution. Yesterday, I notice that you could apply for assistance via their website so I went ahead and did that. This morning, I woke up to emails advising me that both my cards credit limits had been decreased and pretty much maxed out. One of the cards they took away {$5000.00} worth of credit. I thought the whole point of the assistance programs were to help you maintain your credit scores during this time. Now my credit score is going to drop significantly. Terrible customer service
Product: Debt collection

Mid valley collections bureau Aka professional collection consultants have used illegal tactics to put a one on my property. First they unsuccessfully tried to garnish my wages, the judge ordered in my favor via the XXXX XXXX police department. After unsuccessfully trying to garnish my wages they put a lien on my property even thought they were told they are no longer allowed to make attempts to collect money I do not owe. Ive asked them repeatedly for validation of days debt which they have not replied and failed any form of validation. They keep changing the amounts owed, and their name. I was never informed there was a lien or an attempt to put a lien on my property. By law creditors have to let you know before putting a lien on your property. The lien was placed on XX/XX/19 and I just was notified by my title company on XX/XX/19 that there was a lien. I was never notified and all this time has gone by with interest being added. What they are doing is illegal and they need to stop using illegal tactics against consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Transunion. They said everything is XXXX XXXX complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). because the list of accounts below are not accurate. The open date, date last active, High Credit, Last Reported, Date of Last Payment. XXXX XXXX they did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Product: Debt collection

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section XXXX XXXX XXXX XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Debt collection

Car insurance that they say I owe. Tried to make payment arrangements I could afford but they wanted more. Since this has not been resolved they have place this on my credit. I'm on a fixed income and can afford what I can. I want this collection removed from my credit report and I will make payments that I can afford to make. Please have them remove this from my report. 
Who are they to say what I can afford to pay?
Product: Debt collection

This is a XXXX Party trying to collect debt that was confirmed as PAID to a XXXX party company several years ago and I was assured the last time I sent in proof that this debt was paid that I would never have this problem again. I have sent a copy of the itemized payments from the insurance company to this debtor. I am tired of these companies doing this to me! This was from XXXX!!!!! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit agency the high balance on my loan shows {$8200.00} when in fact the original balance was {$12000.00} that's a huge difference and that's a violation of the Fair Credit Reporting Act I don't feel I should have to take my time and provide screenshots if everybody was doing their job properly I'm a very busy person since I had my car repossessed this is so unfair one of my credit report says the account was open the other one says it's closed XXXX XXXX says totally different I would like to know what method they're using to verify because something is way off here and I'm not liking it and it's forcing me to take a legal action and if something is not done with us that is what's going to happen because that's that's a violation of my rights completely like I said I should not have to provide screenshots if everybody gets together and Compares things with the proper method they will automatically see that I'm right in this
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had many late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Account XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting

SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESXXXX new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ___ XXXX ___, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
Product: Credit card or prepaid card

My brand new vanilla visa gift card has been declined multiple times. I've tried calling to activate it but it keeps saying invalid. I've tried to activate it in stores by making a purchase but it gets declined.
Product: Debt collection

On two separate occasions, XX/XX/2020 and XX/XX/2020, debt validation letters were sent and received via certified mail, by Portfolio Recovery Associates, LLC. I sent these letters to them to verify the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I have yet to receive a proper response and they are reporting negatively on my credit without verifying this information. I would like this information deleted immediately, and for them to cease and desist this erroneous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint mortgage is reporting late notations for XX/XX/XXXX, XX/XX/XXXX. I called them because of this exact problem and have gotten no where. I put my account on forbearance at this time because I was in between jobs. They assured me that no late notation would appear on my credit file. However, I checked my credit and sure enough there was late payments. Like I stated, I was just waiting to get another job because things got rocky when Covid started at my previous job. I was never late before this and have been on time since, had I known that there were going to be late payments I would have figured something out.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had XXXX 's department credit card for several years. In the XX/XX/XXXXand XX/XX/XXXX timeframes, XXXX 's dept. store credit card transferred to an XXXX XXXX Credit Card, without consumer 's knowledge that they were changed the Card Accounts entirely. Meaning, I was paying a dept. store credit card for a few months, but the transfer to the XXXX card was not getting paid. However, I had no ability, notice, or information that XXXX 's company new XXXX wasn't being paid. 

First, consumer did not ask for an XXXX 's XXXX card. 

Second, I was paying the dept. store credit card as I had been paying in the past months. 

Third, approximately XXXX/XX/XX/XXXX, I contacted XXXX 's realizing this situation of payment confusion from dept. store credit card to XXXX card and vehemently asked the XXXX 's rep to ensure that my payment and any late payments be fixed. Since the Rep pointed out the problem that XXXX 's transferring billing from store CC to XXXX card, it is not a consumer issue of payments. He credited account at that time and I paid remaining balance in full. 

Today, the credit bureau is showing " one '' late payment which was not a late payment due to XXXX 's negligence/lack of duty regarding new XXXX CC 's. I disputed this issue with both XXXX 's and Experian without resolution or a fix to XXXX 's negligent duties. 

Please assist me is this matter.
Product: Debt collection

I submitted a request to the collector requesting validation that the debt belongs to me as well as HIPPA authorization for medical records to be released. The response received was a statement of what is owed, there was nothing validate nor was there a HIPPA release provided.
Product: Vehicle loan or lease

GM Finanacial put a 30 day late on my credit report for XXXX of XXXX The company I work for pays the payment and they have stated that the payment was made at the same time every month as normal however the mail delviered it late or GM Financial processed late. 

In addition, GM Financial did not have the correct phone number on my account and I had called in two separate times to make this update and they did not update even after they had already reported this late payment I had an XXXX  score prior to this. I have never made a late payment in my life. 

Please take a look at this and help me. GM Financial is so difficult to deal with.