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

I am a protected consumer and natural person In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

Regarding alleged account # 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 : also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

As of today XX/XX/XXXX, L J Ross & Associates have violated my rights in multiple ways. On XX/XX/XXXX, I mailed out Certified Mail with signature request a debt validation letter and LJ Ross & associates received and signed for my debt validation letter on XX/XX/XXXX. LJ Ross & Associate decided to report a debt on my credit report before giving me any type of communication ( dunning letter ). LJ Ross failed to send me a dunning letter previously before reporting this alleged debt on to my credit report, which I was never given me a chance to validate or dispute the alleged debt. L J Ross also ignored my written request for validation once I was made aware of the alleged debt with requested documents & L J Ross continued to try and collect by continuing to report and update the debt on my credit report. This has caused me damages. 

Since L J Ross has yet to validate this alleged debt, I am requesting that it is deleted off every credit agency ( ex : XXXX XXXX XXXX ) that they are reporting to. 
12 CFR 1006.30 ( a ) 15 USC 1681n : Civil liability for willful noncompliance 1681n. Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ... .Also my information has been comprised by the XXXX data breach and may have gotten into the hand of the wrong person.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a paym
ent as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

I was contacted by this company on XX/XX/XXXX. I was told that this is regarding a debt with XXXX XXXX XXXX ( never heard of them ) for a payday loan for the amount of {$540.00} with an origination date of XX/XX/XXXX - but then after further inquiry, it appears that this loan may not have originated that date but that was the date it was due so the origination date may have been as much as two months before that date. 

The XXXX call was transferred to a guy ( not sure who that guy was ) and I told him that this " alleged loan '' was placed into a bank account that had been closed since XX/XX/XXXX so that this potentially was a fraud account they were handling. He told me that I needed to take it up with the court and hung up on me. 

After calling back, I asked to speak with a manager. I was transferred to XXXX. I explained to him the issue and he provided me with the information I requested. I asked for a debt validation letter to be mailed because if this turns out to be fraud, I have various avenues to pursue. His demeanor completely changed after that point, accusing me of threatening him. I told him I was n't threatening him but I was just stating a fact and trying to get information in writing. 

The information they have is all confused. The initial call ( on voicemail ) said that I needed to be available from XXXX-XXXX for the currier service from XXXX County to serve me with documents. Again, this is the first contact I have every had with this company. I asked him where he was going to mail the debt validation letter to, he provided me with an old ( 3 year old ) address. I asked him where they got XXXX County from. He said that is where the address is currently at ( the address he provided was in XXXX County ). 

I asked if he had contact information from the company they got the debt from ( he said it came from a collector ). He informed me he did n't have that information but it would be provided in the letter as he did n't have that information readily available. I also asked if he had contact information for XXXX XXXX. He said he did n't and had never heard of this company ( weird, right? ). 

I told him I would call back if I did n't have a debt validation letter in my email by XXXX tomorrow ( XX/XX/XXXX ). 

I am attaching a copy of my last bank statement from the XXXX account he is speaking of to show that it was closed on XX/XX/XXXX before the alleged deposit. This account had many fraudulent activities which is what it was closed and all other issues have been resolved accordingly.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XX/XX/year> with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Regarding this complaint, I am submitting this claim on the behalf of Department of education student loan lender has given out my personal information to a NEW lender that is now over my student loans which is now, NELNET ( the new creditor over my student loans ). US department of education has closed the account on XX/XX/2023 in the amount of XXXX and transferred all my information to NELNET as of XX/XX/2023 which made it as 8 accounts as students loans when it should be 1 account.

Looking at the 3 different credit reports, I also noticed some amounts differences in amounts on my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card XXXX XXXX XXXX FRCA Violation collections XXXX XXXX  XXXX  FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone entered a Fraudulent consumer transaction with an organization using my credit card ( as described in 15 USC 1602 ) and as a Result was extended credit in a consumer credit sale by this organization. The Organization is now Claiming that they originated the credit, that someone else Extended to them by using my personal information, in which constitutes Fraud. Pursuant to the Federal Law they have committed fraud and several violations of the FDCPA, TILA, & FCRA. They have not validated anything ; I never received a Material Disclosure of any of the information that was suppose to be provided to me. They have not been Impartial & have taken an unfair Advantage of me as a Consumer ; They should be held accountable for deceiving me and not Validating the Debt. They are Violating my Trust within the banking system and this is causing me Reluctance when doing Business with other banks & Financial institutions. They are Ruining my general Reputation and Character and should be held Accountable for Violating the law and Violating my Trust. This is causing me severe XXXX, XXXX XXXX XXXX XXXX XXXX XXXX as a result of them reporting Fraudulent information on my consumer Report. They're acting as if they are Unaware of what i am Requesting or that the Law does not Apply to them and I've included Evidence & Proof, Pursuant to Federal law with facts that prove that the Law does in fact apply to them & that they Must Adhere to them. They have disregarded the law by saying, The information I disputed has been verified accurate, which is Not Proof Of Verification or Proof of Anything. They have not Provided me with any Original Documents & They Continue to disregard the Law by failing to properly verify information and using unfair Practices With no real actual investigation ; They haven't conducted any interviews nor have they sent me Verification with Exact names & addresses of conducting Actual interviews Nor have they provided me with any Material Disclosure of any Original Documents. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit File as well as my consumer Report and Reputation.
Product: Credit card or prepaid card

I have a credit account with Citi Cosco with original credit limit of XXXX In XX/XX/2019, I had paid my credit card to lower my credit ratio and so I wont hurt my credit score and also so I could start paying my credit with them. I had other bills to pay as well and credit cards. I paid my credit card with citi cosco more than my monthly due of even XXXX $ and I paid them in XX/XX/2019 of XXXX As soon as I paid them, they then decreased my credit limit and took out that XXXX that I couldn't even use any XXXX of it that again it affected me with my credit score. Again I even prioritize them to pay them so I can decrease my debt with them even if they gave me none to use. They gave me then XXXX of all balance for me to pay. 


In XX/XX/2019, I again made a payment of more than my monthly payment and paid them {$760.00} so I could again decrease my debt with them. prior to even making the payment while I was able to build some payments with them I never used my account because I wanted it to be paid slowly. In XX/XX/2019 I paid online in the amount of {$760.00} and the next day XX/XX/2019 as soon as they received that payment day before they again decreased my credit limit took away a XXXX from it which then made me again maxed on my credit. now I am maxed, with overdue late fees and charges In despite of all that me making payments almost XXXX in not even more than 8 months, I didn't use the card, they had lowered it, hurt my credit, I was also sick during this whole time, changed my jobs, and now daily 10x day and also sundays being harassed with calls to pay them. 
what do you pay this credit card company who had taken all arelady in short months and now had charged me more and when I even tried to make arrangements with them to take out all late charges and to go back with just the late charge and to just close this account and that what they did is completely wrong, I'm told no and theywill take it into collection. 

this is how someone who pays their card get treated
Product: Credit reporting, credit repair services, or other personal consumer reports

I easily disputed a wrongful account balance with XXXX XXXX. I am having the hardest time reaching an actual person at XXXX  or equifax to have them remove it as well. I always reach an automated system. XXXX XXXX investigated and found the information to be incorrect. I had a car repossessed and the law is the price the bank sold the car for must be taken off the loan amount and I must be notified of this. I was never notified, and the balance was never reduced. They charged off the account and closed it and since it has been closed they have continued to add an additional {$4000.00} to the balance! I was also never notified of any balance I owed  XXXX XXXX XXXX XXXX. I would like XXXX and XXXX to both remove this account as soon as possible as it is very incorrect and its affecting my score very negatively. Once again it has been removed on XXXX  but not the other two CRAs. The online dispute forms ask for an account number and when I received a full report half of the account number was hidden and shown as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau did not remove for inaccurate closed accounts from my report. The accounts are well over 7 years old, wrong payment history and reporting as either paid recently. These accounts have never been paid by me or own by me. I dispute these accounts over 3 weeks to get a re-dispute that still is not accurate. Both Kheaa, and Kentucky Higher Education have never paid ever and are well over 7 years old. They continue to update the payment history eventhough for the 4 accounts this is also not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX  XXXX Account number XXXX Experian violated my rights. Accordance with the Fair Credit Reporting ACT XXXX 15 U.S.C 1681 SECTION A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C 1681 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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

i have 2 collections on my account that should not be there. i disputed it so many times with them and with you guys and nothing happens. they are still on my report. they were suppose to be deleted a long time ago. i tell them its fraud and the try to get me to settle for a payment when its fraud!! I want them to remove the collections off my account all three bureaus play a part in, Experian, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year now after being a victim of identity theft I have been disputing with all 3 major Credit Bureaus. Transunion, XXXX and XXXX. 

I have sent letters after letters and have followed every bit of instructions available to me. From using companies to help assist like XXXX XXXX to XXXX and of course writing my own letters. 

If you can search your records you may see nearly a dozen complaints with your company cfpb because of this. My tracked record began XX/XX/XXXX. When I began to need to use my credit to find a new home. 

Consecutively from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX I have been disputing these items because the credit bureaus are reporting incorrect items and doing so without proof and validation. 

They would reply back to my certified letters that the items are accurate and meet the law and are verified yet I ask over and over again how did they come up to that conclusion and who was contacted to valid or verify the debt or items listed and they never respond ever as to who how or why they are reporting these items incorrectly and without proof. This breaking the law again. 

I submit everything they request including most recently doing what they asked a Police Report along with an FTC report. No one has ever sent me a signature or anything validating these items reporting on my credit profile. I followed their instructions as instructed yet they tell me the FTC Report isn't valid because the inquires did not have a date listed on it. 

The accounts I mentioned are all listed in the letters I will upload. 


XXXX XXXX XXXX XXXX Unverified Account {$6200.00} XXXX XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX /XXXX  XXXX Unverified Account XXXX XXXX/XXXX  XXXX Unverified Account {$1500.00} XXXX XXXX XXXX/XXXX  XXXX Unverified Account {$0.00} XXXX XXXX XXXX XXXX Unverified Account {$4600.00} XXXX XXXX XXXX XXXX XXXX****Unverified Account {$1000.00} XXXX  XXXX XXXX XXXX Unverified Account {$480.00} XXXX XXXX  XXXX XXXX XXXX Unverified Account {$4700.00} XXXX ( XXXX ) XXXX XXXX XXXX Unverified Account {$1000.00} XXXX XXXX XXXX Unverified Account {$680.00} XXXX XXXX XXXX XXXX Unverified Account {$660.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$6800.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax on XX/XX/2019 via certified mail that was recieved by Equifax on XX/XX/2019. I did not recieve anything via email, phone, or mail from Equifax in the 30 day required time frame for the investigation. I sent another letter to Equifax on XX/XX/2019 via certified mail informing them that they had not responded in the 30 day window and must remove the negative item I was disputing in the first letter, and were in direct violation of FCRA. I still have not recieved any email, phone call, or mail regarding this matter from Equifax and they have not removed the negative item from my credit report. That item is very much hurting my credit score and Equifax is in direct violation of FCRA punishable by a fine of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

For starters, I tried to fix this initially through Transunions website, but it does not give you an option to dispute their scoring.

Unfortunately, the bureaus and consumer finance is hearing more from me, but all for good but unnecessary reason. My complaint is against Transunion ; They lowered my credit score by 18 points after two negatives came off of my credit and one positive was added ( decrease in balance ). How does the score go down? This is absurd!!. Now, the issue I also have with this was the last time I had to complain about the bureaus scoring, when they made the correction they did not add back the same points that they took away..and no other change had affected my account. I am actually in the process of making a purchase and the financer uses Transunion. I told them what the score was, but soon we will have it officially pulled and what's there now contradicts was their. Now, based on these trends I would like to know what exactly does Consumer Finance do as far as monitoring credit bureau behavior? Are you investigating this scenarios thoroughly, is it happening to a specific type of consumer or persons? Are you seeing trends growing similar to these?
Product: Credit reporting

There is a hard inquiry on my report at Equifax by XXXX on XX/XX/2016. I did not apply for this. I disputed this inquiry and Equifax refused to remove the inquiry. i spoke with many customer services agents including a supervisor and i was told i can contact that XXXX. I explained that i will not call XXXX and give them any information about my persons over the phone due to the fax that i do n't have a relationship with them and do n't want one. I then asked the supervisor for the dispute process that determined my results he told me i was entitled to that. I asked him if they even reached out to XXXX to confirm they really received an application and he would not provide me with that information. Equifax took 48 hours to respond to my dispute and they did nothing to assist me. I want this inquiry deleted off my report now and however this inquiry effected my credit score to be fixed as well.
Product: Credit card

Chase insists they can not block this clearly fraudulent charge without canceling my card. Since I have a number of automatic payments and contributions on the card, that is an extreme inconvenience. I've tried for several months to get these charges reversed, and though Chase reverses them, they won't block the charges.