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

Good Afternoon, I have been a  XXXX  credit card client, since   XXXX  . I have been satisfied with their services and consider them a good company. I have made several attempt to clear a late payment on my credit bureau reports, which is incorrect.  XXXX  has been sending my correspondence to an undeliverable address, making any kind of attempts to further contact me, regarding my account. I have made several request to have this late payment reported in error, on all  XXXX  major credit bureau reports.  XXXX  has failed to comply with the Fair Credit Reporting Act, and has continuously promised to remove this blemish, not caused by me. I ask you please help me, in contacting   XXXX   regarding their unfair and devious tactics, that violate my rights as a consumer. They have a late payment In error and ask they please correct this matter and delete any and all negative items, the y have reported in error.     Thank you in advance, for all your assistance.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX Baronet Ct XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX {$480.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Account Balance : {$11000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018 I check my credit report with XXXX, Equifax  and XXXX and there is unauthorize hard inquiries from XXXX. 
There is also 9 hard unauthorize inquiries on XXXX, and 13 hard inquiries on Equifax and 4 on  XXXX. 

I have been disputing with XXXX, XXXX and Equifax but credit reporting agencies refuses to delete all unauthorize hard inquiries from my credit reports. 

I am XXXX Lifetime, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 there was a credit check from a company called National Credit Card Airlines ( SYNCB ) and I have never heard of this company which is why I didn't contact them. I get emails about my credit score and this showed up today as a recent transaction and I have not done so. It was suggested that I contact you so I am taking those steps now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on 1/10/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Never received a notice that I owed a debt and this was the only way I found about it through my credit report. It looks like it showed I pay late and that shouldn't be on my report because I've never paid anything against this debt because it is not mine. My report showed it was in XXXX, Va and I've never seen a Dr in XXXX until my girls were born 20 and 26 years ago. 
I tried calling the number listed but It's an automated line and couldn't get anyone to return a call. I couldn't get through to talk to anyone either. To my knowledge I do not owe this debt.
Product: Debt collection

PHOENIX FINANCIAL SERVICE is attempting to collect on an alleged debt in the amount of {$1800.00} for their client : XXXX XXXX XXXX XXXX XXXX ... ... a medical bill. 

A medical bill that I have no knowledge of. I never received any written notification of my rights to dispute and /or request validation of this alleged debt, they just placed this invalid information onto my credit report without due process ... .process to include my rights pursuant to the FCRA, FDCPA and the Fair Credit Billing Act. This agency is in violation of these federal laws. 

PFS has placed this derogatory information on my credit report as valid when in fact it has not been validated at all.
Product: Student loan

I attend XXXX XXXX XXXX XXXX from 2011 and was unable to complete the program due to lack of resources. The school falsify certified my eligibility to benefit from its training and charged excessive loans. And in the following year, the school was closed due to fraud. I was aware this year that this loan could be discharge due to its lack of merit. I have already paid XXXX in loans.
Product: Credit reporting or other personal consumer reports

I filed a dispute on { XXXX, XXXX } and { XXXXXXXX XXXX XXXX due to { Being a victim of Identity Theft }. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.
Product: Vehicle loan or lease

On XXXX this car was totaled. I report the accident and requested to file a gap claim. My gap claim was denied. Denial reason was due to payment issues with account. The only issue that we have here is that Westlake wrongfully cancelled my gap coverage. The contract clearly states that the gap coverage can only be cancelled if the loa is paid off, or if the vehicle is no longer in the customers possession due to a legal repossession. After tons of calls and pleads for help I was able to obtain the entire gap policy for review and had a representative say yeah it should not have cancelled. I am now being sued for an amount much higher that what I owe. Westlake not only wrote off the wrong amount for themselves, they have reported the wrong amount with credit bureaus and hired an attorney to still get back the wrong amount.
Product: Mortgage

My loan was sold by XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. They have repeatedly called me asking to give me refinance options which I don't want to do. I have complained that they are calling me on a masked phone number- appearing to be a local call when it is not and calling my mobile phone which I didn't want them to do. I asked to be placed on a do not call list and the calls continue. They now have called my work number. and no amount of complaining seems to help. This is a truly unprofessional company and their must be some law the prevents them from badgering customers to refinance so they can get fees and rollover loans at rates they don't like.
Product: Credit reporting

Equifax continues to show on our credit reports XXXX Chapter XXXX bankruptcy filings from XX/XX/XXXX and XX/XX/XXXX as if they are still active Bankruptcies, despite XXXX complaints and proof that both bankruptcies were filed well over 7 years ago and should have been removed in XX/XX/XXXX and XX/XX/XXXX respectively. See attached rules for removal of Bankruptcies from credit reports and latest incorrect response from Equifax. This incorrect reporting is badly harming my credit.
Product: Debt collection

I received a letter from client services attempting to collect on a debt that was already charged off and removed from my credit report I was also contacted by phone by the same credit service the following day. They are attempting to collect a debt of XXXX dollars it is from my understanding that in this time that no one is supposed to be collecting any money at this time
Product: Credit reporting or other personal consumer reports

I NOTICED A FRAUD ACCOUNT LISTED ON MY CREDT REPORT. DUE TO THE XXXX XXXX XXXX,,, THIS ACCOUNT WASNT OPEN BY ME.. THIS ACCOUNT ISNT ADDRESSED UNDER MY ADDRESS,
Product: Credit reporting or other personal consumer reports

My driver license was stolen in a mailbox break-in and identity thief has my driver license. I opened up an Experian account so that I can freeze my credit report and also add fraud alert. However, with my driver license and other personal information available online, the identity thief is able to create a new experian account and deactives my account. They would then be able to unfreeze the credit report and remove the alert. 

Experian provides no security measure to defend against such attacks. The only thing I can do is to create another account to take back the control, but again, nothing prevents the identity thief to create another account. 

It is ridiculous that Experian does not verify if the person submitting the request is indeed the person.
Product: Debt collection

Earlier this year I received a letter from Wakefield and Associates for a collection account owed to them. I have no knowledge of the debt and believe the debt is not mine. On XX/XX/22 I sent a request for validation by certified mail. I have not received a response from the company and the debt has not been validated. The amount of the debt is for {$170.00}. I provided copies of my letter and certified letter receipt to all three credit bureaus. The only one who has not removed it has been XXXX. The company has not complied with my request and its negatively affecting my credit. I can not pay something I have no knowledge about.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After careful review of my consumer report again, I still noticed that you continue to furnish misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You've reported transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, and XXXX XXXX And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all current liabilities have been transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS as you continuously violate my consumer rights, and I intend to accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Product: Credit reporting

I have had numerous issues with unauthorized inquiries on my account as well as previously deleted information that was reinserted. Well with Experian I have XXXX unauthorized inquiries on my account that were not authorized my me. I have disputed with the credit reporting company to no avail. I have tried contacting the company who placed the inquiries and they do not exist anymore, their phone does n't work and I can not find a partner company or anyone to get in touch with. These are inquiries from the beginning of the year and I am not aware of them. XXXX of them are on XX/XX/2016 and another is on XX/XX/2016 ( see attachment with phone numbers and addresses of non-existent business. I started monitoring my credit around XX/XX/XXXX and I ca n't seem to get any help from Experian other than filing fraud but they will not promise an investigation or removal. i am out of options other than a lawyer so I am asking that this is investigated and that these are taken off of my report with Experian in a timely manner as it is causing lower scores in my credit, could be the cause of me not getting employment or other opportunities to move forward with becoming self-sufficient.
Product: Mortgage

I was alerted my credit score had dropped XXXX points. Turns out wells fargo home mortgage cancelled my auto debit and my mortgage is past due. Soon as we discovered this I called wells fargo who allege we cancelled the auto debit? I asked why i receieved no calls, letters, emails or ANY CORRESPONDENCE at all alerting me before wrecking my credit and they fabricated that I had a do not call on file?? I HAD a very high credit score and of course would want my home mortgage company to contact me if needed. Wells fargo also had no reason why they didnt send a letter or an email notifying my i was delinquent. Certainly thats a legal compliance violation, zero notice prior to reporting past due to the credit bureaus. I tried contacting them and paid them as soon as we discovered the situation but they offered zero help on fixing my credit even though they acknowledge they did zero due diligence to contact me regarding being past due. All i want is the right thing done and my credit score fixed due to lack of notice on their end.
Product: Debt collection

Portfolio Recovery Associates has reported an alleged debt with XXXX bank, with whom I have never done business, on all three credit bureaus. They never communicated with me ahead of reported the alleged debt, nor have they provided a means to contact them, never gave me an opportunity to dispute this debt prior to placing it on my credit reports, or otherwise. Further, when I disputed this with the credit bureaus, they fraudulently confirmed this debt to the credit bureaus, despite this not being my debt. ( As I said, I have NEVER done business with XXXX in the past ). There are multiple violations of the FDCA, to my understanding, and I must insist they remove these fraudulent reports from my credit report immediately. I refuse to contact them directly, because in my research, Portfolio Recovery Associates has repeatedly asked the alleged owners of debt to " verify '' information such as name and address, which PRA does not have, in order to say, " well, our information matches, this is your debt ''. Thus, I summarily refuse to interact with the perpetrators of institutional fraud! 

I had suffered identity theft several years ago ( to wit, I still have a fraud alert on my credit bureau reports ), and I can only guess that this is Portfolio Recovery Associates trying to extort money from me as a result of that identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : I have spent the year trying to fix the inaccurate, incomplete, and unverifiable errors within my account from Experian. I have called them and told them personal to fix the issue but has not. I have recently send them mails asking to fix the issue. Still no change. The credit bureaus must obey many laws, including the fair credit reporting act ( FCRA ). And according to the FCRA, an item on your report MUST be removed if it is any of the following : I am writing this so Experian, XXXX, XXXX  can update/correct my personal information on file with their company. 

Please updated my address to : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please updated my name to : XXXX XXXX My only social security number is : XXXX My only and corrects date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX I do not wish to have any telephone number on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA since they are inaccurate.

Due to this issue of inaccurate information within my account from experian : It has damaged my personal credit score. Accumulated hard inquiries due to inaccurate account info from Experian. Has provided the wrong name to banks, companies, lenders, when applying for credit.This issue has wasted so much of my time and has effect my business to move forward. Lost time is never found. 

Also while checking my most recent report, i noticed credit inquires that i did not authorized, made by the following companies ; and they were also provided inaccurate, incomplete, and unverifiable information from Experian when checking my credit. 

Company and Inquiry date 1.XXXX/XXXX  & XX/XX/XXXX.

2.XXXX/XXXX  & XX/XX/XXXX 3.XXXX  XXXX  XXXX4 & XX/XX/XXXX 4.XXXX  XXXX  & XX/XX/XXXX 5.XXXX  XXXX  & XX/XX/XXXX 6.XXXX  XXXX  & XX/XX/XXXX 7.XXXX  & XX/XX/XXXX I did not authorized anyone employed by the these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 161b and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authoring an inquiry. In the absence of any such documentation bearing my signature, i formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my social security number. 

My contact information is as follows : XXXX XXXX email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Student loan

I American Education services continues to call and email monthly when my payment is due. I have attempted to contact them and complain to them as they demanded that I make 3 payments from XXXX XXXX 2015 thru XXXX/XXXX/2015, which have been made when I called to discuss this with them they would not call me back as I requested.
Product: Credit reporting or other personal consumer reports

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

Please assist in deleting history of this items from my credit report 4 days after you receive this notice.
Product: Credit card or prepaid card

Called spoke with customer service more than once Once I received returned money order via Synchrony Bank mailed XXXX payment and XXXX payment on the XXXX of this month. 
For some reason Synchrony Bank Pep Boys car care did not credit {$50.00} for XXXX. I was told they never received payment???? ( Lies ) after my own research and going back and forth with customer service Synchorny Bank gave me a late fee and reported false statements to the credit bureau. 
I later discovered they did receive payment and returned it to me without documenting my account??? 
1 ) Fraud 2 ) Language Barrier 3 ) False reporting
Product: Credit card or prepaid card

I was interested in getting a cashRewards credit card from Navy Federal Credit Union ( of which I am a member ). Periodically Navy Federal will offer a sign-up bonus for this card and I was waiting for an offer to come up, checking their website every day since the end of XX/XX/XXXX. When I checked the cashRewards web page on XX/XX/XXXX, a new message was displayed that read : Spend {$500.00}. Get {$100.00}. This was written in large print at the top of the cashRewards web page and was not an ad for something else. I decided that this was what I had been waiting for and applied for the card. I was approved, got the card a week later, and spent {$500.00}. Then I sent a message to Navy Federal through my account on their website asking if I had qualified for the bonus. They responded a few days later : We did not have a promotion that provided {$100.00} when {$500.00} is spent. This is not true. The website displayed exactly what I said it displayed : Spend {$500.00}. Get {$100.00}. It was for the cashRewards card. It was printed in large print below the main picture at the top of the page. The page displayed the offer for that weekend ( XX/XX/XXXX-XX/XX/XXXX ), then it no longer showed the offer anymore. But it was there for those days.