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

On XX/XX/XXXX, I opened a loan account with XXXX , XXXX, a Federal student loan administrator whom I was directed to by my college XXXX XXXX XXXX University - XXXX, NY Campus. I borrowed the amount that would suffice the difference between total tuition cost and my partial scholarship, which was {$6500.00} or thereabouts. On XX/XX/XXXX, I borrowed a like amount from the same administrator for the same reason as the first loan from XXXX. In the XXXX instance, I had to acquire two loans that made up the amount needed ; a larger loan of {$4000.00} and a smaller one of {$2000.00}. At this time, the balance of all three loans totals {$13000.00}, including interest. 

In XX/XX/XXXX, as shown by the provided images of the reporting of XXXX , XXXX, ascertained by an online credit monitoring service, the lender began to report missed payments in excess of 90 days. I myself, as the borrower, was not properly notified of payments becoming due and eventually delinquent at the time of these reports. I was not contacted directly by XXXX , XXXX until XX/XX/XXXX, when I was granted forbearance of payment for financial hardship. I was notified by the representative who assisted me with the forbearance procedure that efforts had been made to contact my mother, whom I did not live with and did not have regular contact with, in regards to the delinquency of the loans. As the sole borrower of the loan, whose accurate contact information was provided with the application for the loan and online management portal, I believe it is not just that this administrator made no effort to contact me as the borrower in pursuance of payment or procedure in regards to the loan until several months after the account had become delinquent. 

I continued with forbearance with no issue from the provider for more than one year after the initial delinquency and maintained good standing with XXXX , XXXX and they reported as such to credit bureaus. However, in XXXX and XXXX of XXXX, they once again reported missed payments in excess of 90 days, also visible in the provided imagery, despite my forbearance status. Upon contacting the administrator again, they reinstated forbearance, but did not report good standing to credit bureaus until seven months later, in XX/XX/XXXX, also visible in provided images. More investigation of their reporting procedures indicate that numerous months of all three accounts being in good standing went unreported by XXXX , XXXX, which I believe is unjust. It is unjust not only for the initial failure to contact me as the sole borrower associated with the loan, but also for XXXX , XXXX to continuously report the account delinquent in excess of 90 days and not reporting at appropriate intervals of 30, 60, and eventually 90 days, as well as their failure to report positive standing for many months throughout the repayment period.
Product: Credit reporting or other personal consumer reports

In accordance of the credit reporting act these creditors has vilolated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account, XXXX XXXX , Synchrony Bank , XXXX ( 5 ) accounts ), XXXX XXXX , XXXX XXXX , XXXX XXXX and the XXXX XXXX . 
Under 1681sec 602 states I have the right to Privacy Under 15 USC1681 604 A Sec 2 states consumer reporting agencies can not report these accounts without my written instructions Under 15USC 1666B ` - A creditor may not treat a payment on a credit card account under an open and consumer account as LATEfor any purpose. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX - XXXX AL XXXX. 
SS XXXX. 

Please respond
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I applied and was accepted by fortiva card card company on XX/XX/2022 and they still have not given me a card to use and they're still billing me their annual fee I reached out to them multiple times where's my card I never received my card I need a card and they just keep saying it's in the mail I don't feel like I should be getting billed for a service that I can not use it's like there scamming me and if I don't pay them it goes against my credit score
Product: Debt collection

I received this message via voicemail and called the number they requested me to call. The person acted as a lawyer representing Chase bank and that I had outstanding debt from a credit card I did not have. He demanded payment of XXXX and of course I didnt pay but they said a lien would be put on my home. He had my social security number and said various places I lived. 

The voicemail I received is below : The number that called me to leave this voicemail was XXXX. The number they requested to call is XXXX Hi this message is for XXXX my name is XXXX XXXX I'm the process service dispatch division this call is to notify you that there is gon na be an attempt to serve you with a court ordered some at the address that I have on file of signature is gon na be required for proper service and delivery if any more information is needed please get in contact with the legal department that's gon na be dealing with with this lawsuit that phone number is XXXX in reference to case number XXXX  to contact the legal firm may result in further legal proceeding to take place without your knowledge or consent on my end you have been notified have a good Day
Product: Credit reporting or other personal consumer reports

Company is reporting innacurate and unverificable information into my credit report. That account should be deleted from my credit report, its affecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as active or inactive trade lines on my credit report. Negatively affecting my credit/life. This is an immediate, seventh request for removal and blockage of incorrect information. 

There seems to be a high-level of incompetence at this company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me. 

This is a demand to remove these accounts at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. 
Based on my most current consumer report I have two late payments of 30 days or more reporting on my credit report from XXXX account # XXXX reported in XX/XX/2022 and Authorized user XXXX XXXX XXXX account # XXXX reported in XX/XX/2022. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Which means the consumer being me and the person making the report which is XXXX XXXX or XXXX XXXX XXXXXXXX. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX has reported late payments on multiple accounts ( XXXX  # XXXX ) and on which Im an authorized user XXXX XXXX  XXXX XXXX # XXXX ) and/ or Utilization of every credit card account on my credit profile which is an experience created by my credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. Please furnish the agreement that states I gave permission to have your reporting agency to publish my personal experiences and transaction history. I never gave XXXX written instructions to report anything to my consumer report, regarding late payments or utilization to be furnished to my credit report. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. By XXXX reporting of these late payments/ Utilization my privacy and personal transaction history with each credit card company I have private business with has been violated due to XXXX have violated my consumer rights by allowing these late payments/utilization to report to my consumer report! I expect this matter to be handled in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Red Rock Financial Services at XXXX XXXX XXXX  XXXX XXXX, filed a Lien on my residence and would not provide a reason or any information for this grave legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

For account ending in XXXX. Last for of the card is XXXX. Equifax sent an incorrect statement to XXXX XXXX about my application being a fraud account when I did not report that. XXXX XXXX closed my account after that. I have been working with them to reopen my account. They are stating they are waiting for Equifax and XXXX  to put it back on my credit report. It is currently showing on my XXXX  report. This has been ongoing since XXXX and it is now XXXX. 

I'm unable to use my card and this has stressed me out completely. I called XXXX XXXX on XX/XX/12 to make a payment and XXXX told me I could not make one. It was reporting to XXXX  as past due when I couldn't make payments and did not know it was showing as past due as my account wasn't viewable online and I'm not getting statements because my statesment are online only but I can't change that due to no online access. I only knew because I got a " friendly reminder '' in the mail stating I was 2 payments behind. I want this corrected. Do I have to obtain an attorney to get this fixed on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously written to TransUnion to investigate and Verify a bankruptcy listed on my credit report, which they responded to as being verified with the bankruptcy court. I know that this bankruptcy should not be on my credit report, so I decided to contact the court house myself. 

The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. I have included a copy of the response from the courthouse for reference. It is quite clear that someone from TransUnion lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). They also refused to reinvestigate when I provided them a copy of the Clerk of courts response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent letters to all three credit bureaus asking them to verify the debts on my credit report. I received a response only from TransUnion LLC on XX/XX/23. TransUnion removed three accounts from my report due to inaccuracies. There are also two other accounts which still show inaccuracies. In accordance with the Fair Credit Reporting act, these Accounts has violated my rights. 

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

XX/XX/XXXX XXXX XXXX  INQUIRY ON MY CREDIT UNAUTHORIZED INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

On   X/X/2017 ,  Equifax received my certified request dated   XX/XX/2017 .  The request was to investigated several inaccuracies appearing on my credit file. In addition, pursuant to Fair Credit Reporting Act , 15 U.S.C. 1681g, I   requested disclosure of documents recorded and retaine d in their file ( s )  at the time of this request concerning the accounts being reported in my credit report.    Three  additional certified request were made regarding their investigation. It has now been more than FORTY days since that initial request. I have received NO updates, documents or any other information regarding the inaccuracies. To date, the items still remain in my credit file.   I have sent a fifth request via certified mail advising Equifax of their willful violations of the law yet they continue to ignore or be willfully negligent of my request and the law.
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's mailing address for dispute requests is : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$500.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX Account Number : XXXX Delete this account.
Product: Vehicle loan or lease

On XXXX XXXX my XXXX  XXXX XXXX  was repossessed for late payments according to Stellantis Financial. However my vehicle was taken from a closed locked gated complex. The repossessor committed a breach of peace which is illegal. I live in a private area where there is a gate code needed, the office was closed so I am very concerned as to how they were able to either break through the gate or trespass through the property. On private property a repo agent can not open doors, gates, fences or any other barrier between themselves and my vehicle. I value my privacy highly and I insist my legal rights are respected and as guaranteed to me under state and federal laws. This notice is to formally notify you that my rights has been violated and I do plan to forward this to the attorney general if you do not wish to resolve this amicably.
Product: Credit card or prepaid card

tried to apply for a XXXX card via capital one and was denied, told i would receive a paper notice explaining why the application was denied. when the notice came, it did not list a reason, but instead simply said here are the reasons we couldnt match you with an offer : with a blank space after the colon.
Product: Debt collection

Collections were placed on my credit report on XX/XX/XXXX from Receivables Performance for {$780.00}. I did not receive any notifications from this collecting agency and it is a new one reporting on this account from XXXX. The collection was previously removed from credit report from XXXX onXX/XX/XXXX.
Product: Debt collection

I HAVE NO PAPER TRAIL STATING THAT I OWE THIS DEBT. I DONT EVEN KNOW THE REASON FOR THE CREDITOR ( BOARDWALK FOR AN APARTMENT I DIDNT LIVE IN. ALL I DID WAS DO THE APLLICATION AND PAY THE APPLICATION FEE. I NEVER HEARD FROM THEM AGAIN AFTER FILLING OUT THE APPLICATION. I DONT HAVE NO TYPE OF CLUE WHAT THIS IS REALLY ABOUT. I TRIED CALLING THEM COMPLEX ON XXXX JUST TO FIND OUT THE PROPERTY HAS BEEN BOUGHT BY A NEW COMPANY AND THEY HAVE NEW SYSTEMS. I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE. I'VE WRITTEN THEM A LETTER ASKING FOR VALIDATION TO VALIDATE THIS DEBT. THE LETTER WILL GO OUT TOMORROW ON XXXX. THIS HAS BEEN A NIGHTMARE, I DIDN'T FIND OUT UNTIL I TRIED TO GET AN APARTMENT FOR THIS XXXX TO RELOCATE FOR A BETTER PAYING JOB.