23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Balance {$6600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$9700.00} Date Opened XX/XX/XXXX Collection Agency BEST SERVICE COMPANY Amount {$5200.00} Date Assigned XXXX XXXX, XXXX These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer report.
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 and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX Bank Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, has violated my rights. 

Bank XXXX XXXX Account # XXXX, has violated my rights. 

Bank XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK 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 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: Debt collection

Paypal credit does not update their reporting of what the client owes them as credit, after the items were returned. That is to say, the items are returned, but they remain on the clients account as charges owed. This situation is never rectified unless the client discovers it -- and even then it is a lengthy and complex process that can take up to several months.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and your assurances, these fraudulent charges persist, causing me undue stress and financial concern. 

The prolonged existence of these fraudulent charges not only damages my financial credibility but also undermines my trust in your company 's ability to protect its customers from fraudulent activities. It is unacceptable that despite my repeated efforts, these fraudulent charges remain unresolved. 

I demand immediate and effective action to remove these fraudulent items from my account permanently. Additionally, I expect a thorough investigation into why previous attempts to rectify this issue have failed repeatedly. 

Furthermore, I insist on being compensated for the inconvenience, stress, and potential financial harm caused by the persistent presence of these fraudulent charges on my account. 

I urge you to prioritize this matter and take all necessary steps to resolve it promptly. Failure to do so will leave me with no choice but to escalate this complaint to relevant regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : 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 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$4000.00} XXXX XXXX {$590.00} XXXX  XXXX {$500.00} XXXX  {$0.00} XXXX  XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX Has ran my credit numerous times, according to the fair act you should be only reporting accurate information. I contacted this company numerous times the rep was rude they hung up in my face numerous times
Product: Debt collection

This debt is from a dental office ( XXXX XXXX ) Where I visited multiple times to fix a problem by procedure, with 3 visits they still did not fix the problem, I let them know I am paying for a procedure that is not fixing the issue. They did not notify me they would place this on my credit.
Product: Credit card

I received a letter from Chase stating that I applied for a Chase Freedom Visa Platinum credit card and was denied. I never applied for the card. They reported that they checked my credit score, as well. This was done without my knowledge or consent. I never will and never had a Chase account.
Product: Credit reporting or other personal consumer reports

There are some unauthorized inquiries that I don't recognized. I already disputed these inquiries to the 3 credit bureaus but the investigation did not fix the errors.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a complaint against Experian regarding its repeated failure to investigate and validate the disputes I have submitted concerning inaccurate and potentially fraudulent accounts on my credit report. Experian has consistently ignored my requests, failed to provide proper validation of the disputed accounts, and issued fraudulent responses claiming that the items in question were investigated and verified when they were not. As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate or unverifiable information on my credit report and to receive a proper investigation into those disputes. However, Experian has blatantly disregarded these rights by failing to validate the accounts in question or provide me with proof of any legitimate investigation. I have filed multiple disputes with Experian regarding erroneous and unverifiable accounts appearing on my credit report. Despite these formal requests, Experian has failed to conduct any meaningful investigation they just sent " XXXX '' Claims : Each time I have submitted a dispute, Experian has falsely responded that the disputed items were " verified '' without providing any documentation or proof of investigation. Following the data breach, I have reason to believe that fraudulent accounts may have been added to my credit file. Despite multiple requests for verification, Experian has refused to validate the accuracy of these accounts, violating my rights under the FCRA.
Product: Debt collection

Over the past few months I have been getting more than 5 or 6 calls per day from this company so much so that i was forced to pay a bill that i really couldnt afford to, only to be called later on that same day ( XX/XX/XXXX ) for additional payments. The calls are frequent and often throughout the day and even on weekends and sometimes back-to -back. This comes after i give them a date when i can pay again. They are trying to force me to pay by constantly harrassing me. But even after making a payment the calls dont stop not even for a day. Im sure these practices are illegal and i want action taken. I asked that they stop calling, and even blocked the number but the began calling from private numbers. This needs to stop. Now.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue with following company : Experian.com ( i.e. a credit reporting company ) Description of issue : On XXXX XX/XX/2022, a ) I successfully created an internet account at Experian to put a freeze on my account. 
b ) I successfully put a freeze on my account c ) I signed out of the account d ) ISSUE : 1 ) When I tried to log into the account to verify I could have access to my account to unfreeze my account in the future, Experian would not accept my username and password. 
2 ) When I called Experian 's XXXX, the computer answering machine had no options to talk to a human 3 ) When I called Experian 's XXXX, I got to talk to a person who told me that I could not access my account because I did not have a membership ( i.e. an account with a monthly fee ). That person asked if I want a free membership and I responded yes. Then, the phone was silent for awhile and the phone call was stopped. 
4 ) When I recalled Experian 's XXXX, the computer answering machine would not allow me to talk to a person 5 ) When I tried to open a free membership at Experian, Experian did not allow me to open a free account Please help resolve this issue. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian.com did not properly inform me that I was subscribing to their {$21.00} monthly membership. I checked my credit report for {$1.00}, as advertised, and before I knew it, I had been signed up to this service without my consent. I knew because my bank account had been charged. I was charged on  XXXX   XXXX   2017 . I tried getting a refund as soon as I realized I was charged but I was told it was impossible because I apparently had agreed to this charge.
Product: Credit reporting

Experian is illegally reporting a medical collection account for XXXX XXXX that was never validated per Fair Debt Collections Practices Act. I was never contacted and I have asked for a complete accounting of the debt but they have failed to respond. Experian should have some checks and balances to ensure that a creditor has in fact obeyed the law before allowing them to report a negative mark.
Product: Credit card or prepaid card

There is an account with Barclay Bank of Delaware that was open in my name without my permission. I have tried to resolve the account with the creditor directly but has not had a fair resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report an incident of identity theft that I recently discovered. I believe my personal information has been compromised and used fraudulently without my consent. I am seeking your assistance and guidance in addressing this matter.
Product: Vehicle loan or lease

Good morning Aware we were almost done with the car payment we placed a call to ask for the pay-off amount to ensure we were sending the right amount. 
Last payment of {$400.00} was made on XX/XX/XXXX ( monthly payment was {$380.00} ). 
As with other accounts we were waiting for the car title but never received so on XX/XX/XXXX another call was placed to ask them about the title. Customer service checked my account and after a few minutes I was told everything was in order that if I want the car title I need to request it at my county or local DMV. 
Recently I was notified that there was a event to my credit report which affected my credit score ; when I checked my credit report I noticed the loan in question ( PNC Bank/BBVA ) is sending them a report as I owe them money. Like I owe them for XXXX payment and this event is affecting my credit score negatively. I was never late to payments and I did my due diligence to call and ask for a pay-off amount. 
Wanting to clarify this situation I called again XX/XX/XXXX. On this day, I got transferred on multiple occasions and after a little over 2 hours I was told that it shows I owe money but that someone will call me to clarify the situation with me. Also my contract that i sign on XX/XX/XXXX stated that my monthly payment is {$370.00} but them pnc change to {$380.00} without explanation. If someone show up and repocess my car for this I will contact an attorney, I still waiting for my tittle. I contact them numerous of time with no resolution This situation is not the best for customer satisfaction. 

XXXX XXXX she call me XX/XX/XXXX and she was rude, liar, incompetent and disrespectful. I pay my bill on time but PNC ruin my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic violence and the abuse of a XXXX individual as documented in XXXX reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Product: Credit reporting or other personal consumer reports

REINVESTIGATIONS OF DISPUTED INFORMATION 15 USC 1681i ( 1 ) ( A ) ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ).

if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian regarding an inaccurate account reported on my credit file, specifically a XXXX XXXX account with discrepancies across the three major credit bureaus. Under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), Experian is required to provide a detailed description of the investigation procedures conducted in response to a consumer dispute within 15 days of receipt. 

Despite my formal request, Experian has failed to provide a sufficient description of their investigative process, violating my rights under the FCRA. The account remains inaccurately reported with the following inconsistencies across Experian, XXXX, and XXXX : Different account balances across bureaus. 
Conflicting last reported dates and date of last payment information. 
Varying past-due amounts and payment status. 
These discrepancies indicate that Experian did not conduct a reasonable investigation as required by 15 U.S.C. 1681i ( a ) and failed to ensure maximum possible accuracy in my credit report, violating 15 U.S.C. 1681e ( b ). Furthermore, if Experian can not properly verify this account, they are legally required to delete it under 15 U.S.C. 1681i ( a ) ( 5 ).

This lack of compliance has harmed my creditworthiness and financial standing.
Product: Payday loan, title loan, or personal loan

I applied for Paypal Credit through Synchrony and received a credit limit of > $ XXXX in XXXX or XX/XX/XXXX. I have never been 30 days late, I think there is once I might have missed a payment and had a past due amount but I fixed that before becoming XXXX. I was previously out of work and so making maxmium payments for me was hard. On XX/XX/XXXX I made a payment of {$1400.00}, these were also 0 % interest payments for 6 months. After I made this payment Synchrony immediately and rapidly reduced my credit line. Which that's fine and all except what they are doing is deceptive and devious. On XX/XX/XXXX I needed to make a payment of > {$800.00} to Synchrony before incurring any interest fees and that's fine, because I needed to pay off and pay down some other debt I incurred while unemployed. Now today XX/XX/XXXX I receive an alert that Synchrony deceptively reported me over limit because of the gained interested that I got for not paying off the XX/XX/XXXX debt that was 0 % interest and in addition, they lowered my credit line. This creditor is practicing vindictive and deceptive practices to financially impact people trying to get back on their feet. My partner has left with with my mortgage, over {$15000.00} in credit card bills he ran up and more. This creditor needs to be thoroughly investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified on XX/XX/22 via my credit monitoring service that an inquiry was performed via Experian, for a credit card issued by XXXX XXXX XXXXXXXX. I have not applied for credit with XXXX, so knew at that moment that I was the victim of identity theft. I attempted to access my credit file online ( www.experian.com/disputes ) to file a dispute for the inquiry. Upon entering my information ( name, social security, DOB, address ), I received an error message stating that " Experian was unable to properly identify me from the information provided ''. I called Experian today, XX/XX/22 and was able to successfully place both a freeze and fraud alert on my account, via the automated phone system. I then spoke with an agent who was able to open a dispute for the XXXX inquiry. The rep then transferred me to the person who supposed to fix my online access, so that I could log into the account online to look for additional errors. The agent stated " that my account had been inactive. She would delete the inactive account and I can create a NEW account ''. I questioned her several times on whether or not I'd be able to create it, since the system was not recognizing the data points that I was entering ( social, DOB, address, etc ). She reiterated that I would have no problems creating a NEW account for online access. I created a NEW account and upon entering my information, I got a message that " my password cannont contain my email address '' - which it DIDNT! I then had the option to upload several pieces of documents to confirm my identity. I uploaded my government issued driver 's license, and current bank statement confirming my address. I then received another " error message '', stating " we were unable to upload your documents successfully '', and a mailing address was provided to mail my documents. I called Experian back and NOW I'm unable to actually get a live person to assist me. As the consumer who is now the victim of identity theft, I should not have to JUMP THROUGH HOOPS to access my account online, to check for inaccuracies! I need someone at Experian, who actually KNOWS WHAT THEY'RE DOING, to fix the issue that's preventing me from logging into my account online, to view my credit report and submit disputes, as necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

ELAN FINANCIAL SERVICES is continuing to report false data about an account balance and active account. This account was closed back in XXXX and has a XXXX balance. This was a Secured Credit Card. I already received the secured deposit back.
Product: Credit reporting or other personal consumer reports

Asked the credit reporting agency to show proof that owed these debts. They never responded back
Product: Credit reporting or other personal consumer reports

I am dissatisfied with XXXX response to my complaint for the following reasons : XXXX XXXX into XXXX XXXX : XXXX dismissed my concern about unauthorized data compromise without providing evidence of internal reviews, security audits, or confirmation that my information remained protected. Their blanket denial lacks credibility without transparency. 

Failure to Address Contract Nullification : My complaint argued that a breach of confidentiality voids the loan agreement. XXXX ignored this, instead redirecting to unrelated discharge programs. Their contractual obligations as an XXXX servicer include safeguarding databreaching this duty should have legal consequences. 

Misleading Legal Interpretation : While FERPA and the Privacy Act may not explicitly authorize loan discharge, they mandate accountability for mishandling data. Edfinancials role as a federal contractor does not absolve them of liability for breaches that harm borrowers. 

Requested Actions : XXXX XXXX to disclose specifics of their data security measures and any investigations into potential breaches affecting my account. 

Collaborate with the Department of Education to determine if XXXX actions ( or inaction ) violated their contractual data protection duties. 

Escalate this complaint to the XXXX Ombudsman with a focus on the privacy breachs impact on the validity of my loan servicing. 

Privacy breaches erode trust in federal loan programs. I urge the CFPB to ensure servicers like XXXX are held to the highest standards of accountability. 

COMPLAINT ID XXXX contains the information of my first complaint. 

Sincerely, XXXX XXXX