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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 RE : Complaint To Whom It May Concern, Not too long after having enacted a complaint against a credit bureau on XX/XX/2020 with your organization due to inaccurate reporting, now all three credit bureaus : XXXX, XXXX XXXX, and Equifax have since in retaliation alleviated all payment history entirely from all of my 13 accounts. All three credit bureaus are now purposely reporting inaccurate payments, as well as, all three bureaus are consistently, falsely purporting that my all of my accounts have incurred high balances on a monthly basis or were otherwise overdrawn. 

The above actions have detrimentally negatively impacted my credit score, inhibited my ability to obtain credit, due to the fact that while all three credit bureaus state that I have exceptional payment history, no actual payments are being displayed by any of them, or if in fact a payment is being reflected, it is that of a payment amount being displayed as that of {$0.00} ( View enclosed ). 

In closing, I have tirelessly and arduously filed numerous disputes with supporting documents indicating that each credit bureaus reporting is inaccurate to no avail ; thereby, I again seek your assistance in aiding me to resolve expeditiously under the guidance of the FCRA ( Fair Credit Reporting Act ). 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concering the individual about whom the report relates. These accounts 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 [ are not complete and accurate. 
I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number : XXXX, XXXX, XXXX. 
They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( * ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6/BXi ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. You are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company sent me a debt collection letter ( see attached ) in XX/XX/XXXX ( letter dated XX/XX/XXXX ). I have never heard from this company or the company they claim to be working for ( XXXX XXXX ). I have been a XXXX XXXX customer since my days in the military ( XXXX ). I do not recognize this debt. I contacted my attorney about this, and she recommended to send the company a debt validation letter. We sent the debt validation letter ( see attached ) on XX/XX/XXXX. This was sent via certified mail and we have confirmed that the correspondence was received on XX/XX/XXXX. As of today, XX/XX/XXXX, we have not received any correspondence or debt validation documentation from Sequium.

Even though Sequium did not validate the debt, they still went ahead and reported this incorrect information to the three Credit reporting Bureaus. According to my credit report ( see attached XXXX  and XXXX ), the information was reported to the credit Bureaus on XX/XX/XXXX. The company claimed to provide me 30 days to request debt validation before they reported to the credit reporting agencies, they still went ahead and reported the incorrect information to the Bureaus. My credit scored dropped over 80 points and now I can not access needed credit or refinance my house. As of XX/XX/XXXX the company is still reporting incorrect information. This company 's actions are unfair and abusive, and they are not complying with the Fair Credit Reporting Act. 

I would like them to be held accountable. They must cease and desist these unfair and abusive practices. It appears that they are doing this to many other consumers out there.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Payday loan, title loan, personal loan, or advance loan

There was attempted fraudulent purchases to my account prior to this. On XX/XX/year> a virtual loan was approved for XXXX stores for {$550.00}. I noticed it around XX/XX/year>. I immediately reached out to Affirm to report the issue and let them know I did not make the purchase. They started an investigation and shortly after determined I was responsible to pay. I called several times after to follow up and the representatives could find no record of my claim. This happened a few times. Finally, they could see some information. Each time the claim was reopened and Id receive and email requesting proof. I submitted the affidavit several times and also a screenshot of my XXXX account showing no such purchase. I even had a XXXX representative call on XXXX way to Affirm and speak with them stating I did not make the purchase. The Affirm representative documented this conversation and asked email the screenshot of my XXXX account to their help email address. I did that and hoped this was the end of it. Again, I received an email that Affirm found me responsible for the purchase and payment. Ive continued called to reopen the case with Affirm with the same outcome each time with no reason given other than not enough proof.
Product: Student loan

Hello, I understand that it was stated by Mohela that both the PSLF waiver and the IDR waiver have been applied to my account but I am unsure as to why my remaining 15 ineligible payments did not count towards payments/ PSLF payments. I have requested the loan coding from Mohela via email for the times that have not counted towards payments up to this point but have not received an answer but this is what I have from Federal Student Aid. XX/XX/XXXX Deferred XX/XX/XXXX Deferred XX/XX/XXXX Deferred XX/XX/XXXX Deferred XX/XX/XXXX Deferred XX/XX/XXXX Deferred XX/XX/XXXX Deferred XX/XX/XXXX Deferred XX/XX/XXXX Deferred XX/XX/XXXX Deferred XX/XX/XXXX Deferred XX/XX/XXXX Forbearance XX/XX/XXXX Forbearance XX/XX/XXXX Forbearance XX/XX/XXXX Forbearance I was told by a XXXX representative that some of the deferred payments were coded as unemployment deferment even though my employment is approved for this time. I was also told that the other deferred payments were coded as " hardship deferment ''. I did not request any of this deferment because I qualified for and was told I was on a {$0.00} payment plan at the time. ( I have turned in tax return information to Federal Student Aid to prove this. ) I am also unsure why these 4 months of forbearance did not count when I had other months that did. I was also told by a Mohella and a XXXX representative that these months were coded as a admin forbearance. According to the PSLF and IDR waivers these deferments and forbearances should be added as qualifying to my account : " ED will conduct a one-time account adjustment to borrower accounts that will count time toward IDR forgiveness, including any months in a repayment status, regardless of the payments made, loan type, or repayment plan ; 12 or more months of consecutive forbearance or 36 or more months of cumulative forbearance ; months spent in ECONOMIC HARDSHIP or military deferments after XXXX ; months spent in any deferment ( with the exception of in-school deferment ) prior to XXXX ; and any time in repayment on earlier loans prior to consolidation of those loans into a consolidation loan. '' Also, I am concerned that my ineligible payments are not showing up on my 2 consolidation loans. If this is a one time adjustment, those not eligible payments should be on those loans so they can be adjusted as needed or so I have the option of making back payments during the upcoming Hold Harmless adjustments that should be applied on XX/XX/XXXX. " Borrowers will be able to access a hold harmless option to have other periods of deferment and forbearance potentially counted toward PSLF if they make payments equivalent to what they would have owed at the time. This includes getting credit for periods during which the borrower would have had a {$0.00} payment. " I have complained several times and always get a generic letter stating the number of payments I have at the time but my question is why have these other payments remaining to show ineligible? 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute in regards to the incorrect items on my credit report to XXXX it has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX seems to still report a closed account from about 5 years ago at least. The account has been closed for a number of years ( XXXX or XXXX ).
Product: Credit reporting or other personal consumer reports

Identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal car loans Indiana finance XXXX amount XXXX, XXXX sale XXXX amount of XXXX also self XXXX amount of XXXX also personal loan sun loan XXXX amount of XXXX XXXX XXXX amount of XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit card or prepaid card

I have several credit cards with Comenity Bank and the balances on all of them are at a {$0.00} balance except my XXXX account which I am currently having another issue with and filed a complaint with the Attorney General. I have not given Comenity Bank permission to check or view my credit since I opened the accounts. I just received a letter saying they decreased the amount of credit available on my Victoria Secret card because of new inquires or a change in my credit. I have been working very hard and have paid down the balances on those cards because I am currently out of work on XXXX XXXX XXXXXXXX and I didnt want to carry balances. This is unfair and damaging to my credit since there was no balance they should not have accessed my credit report and now my credit score has dropped. This needs to be corrected I never gave them permission to check my credit as they want to and my credit was doing fine before they decided to go and do this. I have read from other members in my XXXX group that once they do this to one they do it to all your accounts. I am a single mother working very hard to build my credit and it is devastating that this is allowed to happen especially when they didnt ask to access my account.
Product: Credit card or prepaid card

I have a credit account with Walmart, which was partnering with XXXX XXXX. I had automatic payment set up with XXXX XXXX  ; however, Walmart contracted with XXXX  without notifying me to update my automatic payments. I got charged for late fee and it was sent to me by XXXX. Because of the late fee charge, I adversely knew that my account has been taken by XXXX. I contacted XXXX to request a waiver, but they have denied all my requests and forcing me to pay the late fees.
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. 
Account name : 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 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

I am writing in reference to the account with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, which you claim I owe. Pursuant to 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt. This request includes, but is not limited to, communication by phone, email, or mail at my home, workplace, or any other location. Please note that this request is made in accordance with my rights under federal law. Additionally, I request that you not contact any third parties in relation to this matter unless permitted by law.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid for a one way flight from XXXX, XXXX to XXXX XXXX with my credit card through the third party XXXX  The confirmation number is XXXX. The amount paid was {$120.00}. The travel date and time was for XX/XX/XXXX @ XXXX to XXXX. The company that I would have been traveling with was XXXX XXXX. On XX/XX/XXXX while I was already in XXXX, XXXX, I received a message from XXXX XXXX stating that my flight was canceled and rescheduled for a later time. The new date and time would have been for XX/XX/XXXX @ XXXX to XXXX. This was unacceptable. I did not book reservations for this time as 1 : I have XXXX  of flying at night. 2 : I already had pre-planned engagements already paid for on that particular day in XXXX, XXXX. 3 : I was not planning to spend my entire birthday ( XX/XX/XXXX ) in XXXX, XXXX especially without any pre-paid accommodations. This flight would have completely inconvenienced the remaining of my trip had I complied by their sudden last minute change. I decided to take a train to XXXX, XXXX on the morning of XX/XX/XXXX instead. I did not check-in for the XXXX flight and I also requested via email for a full refund from XXXX and have called XXXX at least on 6 different occasions to request a full refund. I have literally been calling XXXX since getting the email on XX/XX/XXXX to explain that this new time was not convenient for me. I have repeatedly asked for a refund and I am repeatedly being told they will investigate the matter. I have the email informing the company XXXX to cancel the flight and I am quite sure all parties can see that I never checked in for the flight. XXXX is stating I need to contact the third party company that I went through ( XXXX ) but they are really giving me a hard time to receive my money back.
Product: Credit card or prepaid card

During the Covid Pandemci, Synchrony Bank is the only lender to do this or even attempt. Every creditor I have besides them has reached out to see if I was ok or needed help. 

Synchrony Bank decided to " randomly '' check my credit score TWICE within a 5 month period ( once in XX/XX/2020 once in XX/XX/2020 ) Each time they lowered my limit claiming that because I don't have real estate and that my score dropped they had to. 

What they are refusing to understand is that their claims are incorrect. My score has actually increased, despite them lowering my limit and damaging my score! In fact I was just able to ADD {$1000.00} to my XXXX card. 

This is completely uncalled for and they are personally responsible for my credit not getting to where it should be! 

I also asked for a copy of their privacy policy and never received one
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX x2 XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.