23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. XXXXXXXX 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  Please DELETE ASAP.
Product: Credit card or prepaid card

I went to XXXX XXXX store on XX/XX/XXXX to buy some items for my wife and I and was asked if I wanted to open a card so we did. I gave all my info to the sales person and went on my way. The charge was {$48.00}. I never got a bill from this company and then out of the blue my credit went down when I called the company to inquiry I was told that they did not have my Unit number on the account billing address.

That is not my fault the sales person did not included this when I called to complain I was told that they would not remove the lates from XX/XX/XXXX and XX/XX/XXXX. As you did not get any mail returned. This is crazy. It was there fault. 

I have called the customer service center for the last 3 months asking if they could remove a 30 day late charge from XX/XX/XXXX and XX/XX/XXXX. The keep saying no. I called to complain as I have never been a late on any accounts in my life, I was treated with disrespect form a very confrontational customer service rep for your company. You can check the records on that one, I know the conversation was recorded.
Product: Credit reporting

ChexSystems has not responded in over 45 days to my dispute.
Product: Student loan

Student loans went into default without knowledge of forbearance expiring. Status was cleared as an agreement to make payments for 3 months consecutively. This was completed. I requested to have all negative payment history removed as a results of all balances being cleared and paid through consolidation and they have refused even though accounts are in good standing. 

The negative history is affecting and preventing me from having a normal livelihood such has finding employment, getting additional school funding and finding a place to live. I've have difficulty doing all these things without the negative history removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Additionally, I contacted the furnishers and they agreed to not report the accounts from my file. I have sent my documents, and the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me and is reported erroneously. I am in desperate need of these items to be REMOVED and BLOCKED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have around XXXX in student loans. Nelnet was my student loan servicer prior to XX/XX/XXXX. I enrolled in PSLF and my loans were moved over to XXXX in XX/XX/XXXX. For 11 months now, XXXX has reported on my credit report that I have twice the amount of student loans as I actually have, over XXXX, because they show the total amount of my student loans reported by Nelnet, and also the total amount of my student loans reported by XXXX. I filed a dispute with XXXX in XXXX, XXXX about the Nelnet reporting of the loans. XXXX closed the dispute after contacting Nelnet, but no changes were made, and XXXX still reports me as having more than XXXX in student loans. I contacted Nelnet, who told me that I owed them XXXX dollars and that my account was closed and that I needed to reach out to XXXX to resolve the doubled reporting of the student loans on my credit report. I reached out to XXXX in XXXX, who told me that they would update my credit report. As of today, my credit report shows that XXXX updated XXXX with my student loan balance of around XXXX as of XX/XX/XXXX, but my student loans are still being reported by both XXXX and Nelnet on my credit report, totaling just over XXXX. 


At this point, I do not know if XXXX or Nelnet is the entity that needs to update their reporting.
Product: Credit card or prepaid card

I set up autopayments online, but macys did not process the the autopayments and hit me with a late fee. I had to go call in to pay the bill because the online portal does not work. The same happened to my dad and to other friends. It is a known issue on their side and they won't correct it on my credit report. I have perfect payments except for that incident because THEIR systems failed. I've been asking them to remove it for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not remove inquiries that were dated for removal of XX/XX/2020. They completely ignored the inquiries. Also, the Dept of Education loans should state deferred with 0 monthly payment which they have also refused to correct. They closed them before by error and had them listed as paid off. Now they have only open, missing deferred and it still has a monthly payment. I want this addressed immediately but they turn it into a 30 day investigation for items that have already been disputed. These inquiries should immediately be removed and accounts updated!
Product: Vehicle loan or lease

I have had several leases with GM Financial. I have even worked with a GM dealer and had direct daily dealings with them. They are by far the most unorganized unprofessional auto finance/lease company that I have ever worked with, they can NOT handle the volume. One of my leases I sent 3 payments in to pay ahead. Thinking that I was paid up until XXXX they had never sent me a statement. So 3 months later I called to verify next payment due and they told me I was 30 days past due, they never called, never mailed never emailed me to let me know that they were claiming I was past due. How is a customer that had 3 current leases at one time with there company not get a phone call or a statement to let me know my {$200.00} lease payment is past due, really what a joke. They swear up and down they sent statements. I can promise they never sent me a statement nor did i get a phone call. I will never lease a GM vehicle again if I have to lease from GM Financial or there affiliate bad credit company XXXX. They should forget GM and stick with XXXX!!!
Product: Credit reporting or other personal consumer reports

Experian, Transunion and Equifax 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: Debt collection

I sent a validation letter to Southwest Credit Systems XXXX via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 to validate the debt they claim I owe. I have no knowledge of a debt or obligation so I asked them to kindly validate in a notice but they didn't respond. They are currently causing financial injury to me and making it difficult to acquire credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Vehicle loan or lease

XX/XX/XXXX Registered Mail ( RE XXXX XXXX XXXX XXXX ) was sent out to XXXX XXXX Senior Chief Securitizer/Treasuer for Bridgecrest Acceptance Corporation ( XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ) the registered mail was valued at {$100.00}, XXXX. It contained my securties, IRS tax forms, and a letter of instructions. The instructions was not followed by XXXX and he forwarded my securties, IRS tax forms, and letter of instruction to the customer service department. Customer service sent my securities, IRS tax forms, letter of instruction back Certified mail ( XXXX XXXX XXXX XXXX XXXX ). XX/XX/XXXX, I sent a second registered mail ( RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ). It contained my securities, IRS tax forms, and another more detailed letter of instruction. XXXX knowing and willingly forwarded my securities, IRS tax forms, and letter of instruction to the customer service department. I have attempted to contact XXXX via phone on several occassions ( XX/XX/XXXX XXXX and XXXX XXXX, to no avail. My securities, IRS tax forms, and letter of instruction was mail back to me first class mail, folded up in a small envelope. Stating Bridgecrest Acceptance Corporation couldn't fulfill my request, because I sent the second registred mail from my business address and not the address on my contract.
Product: Credit card

Subject : XX/XX/2025 Cease and Desist Notice Regarding Alleged Debt Request for Debt Validation To Whom It May Concern, This letter is a formal demand that you cease all communication with me regarding the alleged debt referenced in your correspondence, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 
I do not acknowledge any liability for this debt. Under federal law, you are required to provide proper validation of the debt, including but not limited to : 1. The original creditor 's name and address.

2. A copy of the original signed contract or agreement ( if applicable ).

3. An itemized statement of the amount claimed, including principal, interest, fees, and any other charges.

4. Verification that you are legally authorized to collect this debt.

5. Chain of title or assignment 6. Forward Flow Agreement Until this information is provided, you must cease all collection activities, including phone calls, letters, or reporting this debt to any credit reporting agency. Failure to comply with this request may result in legal action against your company for violations of the FDCPA. 
Additionally, I demand that you cease all further communication with me regarding this matter, except for the required written validation of the debt. Any further attempts to contact me outside of compliance with 15 U.S.C. 1692c will be considered harassment and a violation of my rights under federal law. 
If you believe this debt is valid, you must provide the requested verification within 30 days from the date of this letter. If you fail to do so, I will consider this matter resolved and will take necessary steps to enforce my rights under the FDCPA, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General. 
This letter serves as official notice under federal law. Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported to the credit bureaus that I did not make a car payment and that my balance went up as a result. This damaged my credit score. This was not true. Bank of america did a 30 day investigation and came back that because my payment history was good that they must have reported correctly without looking at the reporting. I filed disputes with all 3 credit bureaus and bank of america responded to them that their reporting was correct. It was not correct. This resulted in the bureaus not fixing the credit issue. Bank of america then corrected the credit report but did not respond or contact the credit bureaus to let them know that their original response was not correct and that they have made corrections. My credit is still damage and Bank of america still denies responsibility despite reporting incorrectly.
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After examining my credit report, I noticed late payment entries. Despite sending correspondence more than XXXX days ago, I have not received any reply, nor have they adequately verified these entries. I seek your help in addressing this issue.
Product: Debt collection

XXXX XXXX XXXX assigned my medical debt to Collection Associates ( CA ) in XXXX of XXXX. In XX/XX/XXXX, I received a collections notice from CA stating that my debts had been assigned to them and that I needed to call them to make a payment arrangement. I promptly did so, requested more information including an itemized bill and a breakdown of total debts, since some of my medical debt hadn't been sent to collections and I was unsure of the sum total. Instead, the notice I had received only included small amounts with no indications of what they were in reference to, and no account number. They did not send an itemized bill with account information, nor did they provide a total summation of my debt or provide payment options in writing. I attempted to contact CA twice since then, and have not been able to get ahold of anyone because they do not have an answering machine, website, nor do they provide a means of leaving a message anywhere. The sum total of my debt is {$1700.00} ( as far as I know ) but I have only received notices for {$160.00} of that sum. Previously, XXXX had agreed to a payment arrangement with me because I had lost my job in XXXX of XXXX and they offered in late XXXX of XXXX to send me an application for assistance, which I only received in early XXXX ( due to relocating, the application arrived late ). The lack of transparency and dishonest practice is unjust, and their failure to adequately provide me the necessary information to reasonably settle or dispute the debt puts me in an unfair position. Without an itemized bill with relevant account information, a summary with the amount of total debt in collections, and adequate communications processes, it's impossible for me to exercise my rights. 

Separately, in XX/XX/XXXX I received an additional bill for services from XXXX. I promptly paid that debt in the amount of {$98.00} and the account balance was {$0.00}. In XX/XX/XXXX, I received a notification via email that I owed an additional {$18.00} from a service dated in XX/XX/XXXX. Because of the holidays I did not immediately respond and received a second bill on XX/XX/XXXX. On XX/XX/XXXX I received a notice of collections from CA in the amount of {$18.00}, which I find disturbing as I had previously believed my balance to be {$0.00} and believe that I should have been given more time to reply before the matter was referred to collections.
Product: Credit card or prepaid card

An application was submitted in my name to Pentagon Federal Credit Union that I did not authorize. I have called several times and they can not find the application therefore the inquiry remains on my credit. Evidently, they have started an investigation but even after 30 days I have heard nothing back and upon checking in, they advised that it still hasnt been investigated yet and that I need to wait more time. The case number is XXXX.
Product: Student loan

Mohela abruptly increased my payments without warning for student loan repayments. Orginial payment was $ XXXX and without warning increased it to {$2200.00} per month ( 60 % of my monthly income ). I have asked numerous times for justification as to why my payment increased by a FACTOR of 3 when my salary only increased by 3 % and they can not provide that information, I requested a refund for the amount above in XX/XX/year>2024, again in XX/XX/scrub> 2024 when they said they never filed the refund request, and when I checked back in XX/XX/scrub> 2024, they stated again that the refund was never submitted properly. They continued to withdraw {$2200.00} despite explicit instruction not to. They now owe me > {$6700.00} in refunds and I have been waiting on this for over 6 months. When I call for an update, it takes 2-3 hours on hold before getting a service representative and then I have to wait another 1-2 hours on hold for a supervisor who acts very reassuring every time. I am a physician and can not take 4-6 hours out of my day every time I need an update nor can they provide an accurate update. It feels frankly fraudulent to make customers wait this long when 1. they can not justify their actions/billing and 2. When thousands of dollars are at stake. I have ask for their attorney 's information and they refused to provide. They already have one open lawsuit against them for this type of behavior but they continue to push struggling customers around.
Product: Credit reporting

I had old child support deleted from all XXXX credit bureau they are more then 7 years old now equifax has now put it back on my credit report within 7 days. they are just doing what they want with my credit report
Product: Credit reporting or other personal consumer reports

Its incredibly frustrating to know that my credit score has been affected by accounts I never opened. For too long, these errors have been weighing me down, making it harder for me to access opportunities I should have had. Its unfair that my financial reputation is being damaged by something that isnt my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX  to close my Visa card on XX/XX/XXXX ( days before the annual fee was due ). I spoke to my relationship manager ( XXXX XXXX ) and he confirmed he would close the card. 

On XX/XX/XXXX, I get a notification from the credit bureaus that my credit score dropped from XXXX to XXXX (! ) because I am late on a payment to XXXX. I called them multiple times to remedy the situation but have not received any responses.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX. The account was opened using my phone number and email. I never closed the account neither did XXXX. I carried a balance for a long time that I paid off. XXXX, in the same account using the same app and information, at XXXX time, gave me credit again allowing me to finance purchases through them. My available credit was increased during the holiday months. On my credit report, XXXX is reporting two different accounts, one paid and closed and late payments and another showing paid on time. I NEVER had more than one account with XXXX. My credit score is better now than it was in XXXX and XXXX and they allowed me credit up to {$2000.00} during the holidays and now are saying I am ineligible because of my FICO score but my FICO score was not an issue during the holidays when they increased my available credit without me asking for an increase.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX {$990.00} was stolen out my MoneyLion account to a card ending in XXXX. The originating company is called Moneylion XXXX XXXX XXXXXXXX. I was asleep when this transaction occurred it happen at XXXXXXXX XXXX Soon as I look in my transaction history and see {$990.00} transfer processed out I immediately call customer care team on XXXX of XXXX I placed a dispute. They havent been helpful on the process I just want know what steps I have take have my funds returned back in my account.
Product: Credit card

Applied and was approved for Citi AAdvantage Platinum Select World MasterCard. 
Incentive was XXXX XXXX XXXX AAdvantage Miles to be credited to existing AAdvantage account for opening account. 
Credit Card Terms & Conditions make NO reference to a requirement for {$3000.00} to be spent on the credit card within three ( 3 XXXX months. 
In fact, impossible to find any reference to this specific conditions on any documentation provided by Citibank.