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

I submitted a letter to the 3 Credit Bureaus on XXXX XXXX, 2023, to update this suspicious information. I think you have not validated these accounts that are misleading in my file. 
XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : $ {$40000.00} XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$0.00} This was already included in my prior Complaint, and I'm including it again.
Product: Student loan

New evidence to reopen Fraud Claim XXXX XXXX XXXX dismissed my school loans with them. The court ruling applies to the current XXXX XXXX XXXX in every aspect of this situation. 

XX/XX/year> XXXX Ruling XXXX Previous Cases Filed Ombudsman Case XXXX Great Lakes Ref. No : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX : XXXX XXXX BANK XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$600.00} EQUIFAX : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$600.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not have permissible permission to access my credit report on XX/XX/2017. I complain but without any explanation, Experian replies " This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record ''
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX payments on my account that were not my fault. I am XXXX XXXX, a loyal customer of XXXX XXXX XXXX XXXX for over three years. My account number is XXXX. 

The following events detail the circumstances leading to this complaint : Upon securing a loan with XXXX XXXX XXXX XXXX, I arranged for auto-pay from my XXXX XXXX account to ensure timely payments. 

Despite this arrangement, I was notified of two missed payments on my credit report. When I contacted XXXX XXXX XXXX XXXX, I was instructed to address the issue in person at their branch, located an hour away. 

After enduring a two-hour wait for an appointment, I was informed that the problem stemmed from XXXX XXXX XXXX XXXX of the credit union XXXX XXXX XXXX XXXX XXXX assured me they could swiftly resolve the issue. 

The matter was supposedly resolved after XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the branch. 

Subsequently, I discovered a significant XXXX drop in my credit score due to late payments attributed to XXXX XXXX XXXX XXXX XXXX despite assurances of resolution. 

Despite repeated attempts to communicate and seek resolution, the issue persists, causing undue stress. Notably, six late payments were erroneously reported, despite being on time. 

I request the XXXX XXXX XXXX  thoroughly investigate and address this matter. I urge XXXX XXXX XXXX XXXX to rectify the late payments and enhance their customer service processes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

So this issue started in XX/XX/XXXX. I woke up one morning and had some late payments that were reporting on my credit. I had called my loan servicer previously to update my payment information and was assured that my auto payments were set up. Well I guess someone at the Dept of Ed/Navient made a mistake and the payment did not draft. When I called Dept of Ed/Navient to figure out what had happened they told my there was an error in my autopay set up. I tried to make a payment then, however, the Dept of Ed/Navient would not accept a payment from me. Eventually they fixed the auto payment so that it drafted from my account, but they never fixed the reporting on my credit. I have requested Dept of Ed/Navient to do so like 3 times already. A similar issue occurred in XXXX when my loans transferred to another loan servicer. I never received statements or any information about whom I was supposed to make payments to so I ended up making payments to the wrong company and got reported late by the other servicer of my loans. My credit is extremely important to me and really these late payments are not my fault. This most recent late is making my score very low and is preventing me from moving forward with my goals of buying a new home.
Product: Mortgage

XXXX  XXXX XXXX ( ( Account # XXXX ) sold by mortgage to Carrington Mortgage Services (  Account # XXXX ) with a transfer date of XX/XX/2018. Since my payment was due on XX/XX/XXXX, and XXXX  XXXX XXXX sent me my bill for my XXXX mortgage payment, I paid XXXX XXXX XXXX. I then set up online banking to pay Carrington Mortgage for XX/XX/XXXX. I was notified by Carrington that they had received my mortgage payment for XXXX and it was past due. I told them I paid XXXX XXXX XXXX since they sent me a bill for XXXX and that the transfer date was later than my payment due date. They said that XXXX  XXXX XXXX would transfer the money to them. Since XXXX, Carrington Mortgage has threaten to report my late payment to credit reporting agencies and they have sent letters attempting to collect my missing payment. I have spoke with Carrington no less than seven times, sent them my XXXX XXXX bank  statements showing where XXXX  XXXX XXXX was paid on XX/XX/XXXX as instructed. I called XXXX XXXX XXXX and got the transaction ID # XXXX for the transfer of monies to Carrington Mortage which included my mortgage payment of XXXX dollars. They still deny receiving of finding my XXXX payment and have thier collection department now calling me.
Product: Checking or savings account

Capitol one direct deposits being held for extended period of time without a time frame being given to bank customers. Bank deposits issues started Wednesday and have continued up to today ( XX/XX/XXXX at XXXX XXXX XXXX  ). Vague email sent states Starting XXXX XXXX, XXXX, Capital One began experiencing a disruption impacting the processing of some deposits, payments and transfers, which is due to a technical issue with one of our service providers.

Specifically, this has delayed processing of some transactions including direct deposits and XXXX XXXX credit for direct deposits, as well as electronic payments and transfers ( XXXX ). There is a 3 day holiday weekend coming up so deposits will not be turned back on until at least Tuesday, XX/XX/XXXX. 

Capitol one should at least give the concerned customers some sort of warning explanation. Also capitol one credit card payment/late fee ( s ) should all be paused until this situation fixes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm highly upset and have been sending letters before this with no response. They are clearly breaking the law and do not care to abide by it.
Product: Credit reporting or other personal consumer reports

I have consolidated all my student loan accounts into one balance and payment. My credit bureau is showing all the consolidated accounts as being open including the consolidated balance owed. 
Attached is statements from both lenders showing all is paid in full. 
Attached is my new statement showing the correct balance owed and one monthly payment owed. 
This has dropped from credit score down in the XXXX range. I had a XXXX plus since XXXX  2024. 
Please contact to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. I also sent a second letter on XX/XX/2020. It has been 57 days, I've prepared yet another letter and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the ongoing stress you've caused me. 

As a courtesy I have listed the inaccurate accounts in question below : Transunion and XXXX  XXXX XXXX 1. XXXX XXXX XXXX XXXX XXXX Acct # XXXX 2. XXXX  XXXX XXXX  Acct # XXXX 3. XXXX  XXXX XXXX XXXX Acct # XXXX XXXX  Credit File 4. XXXX XXXX XXXX Acct # XXXX 5. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX Please remove these items from my credit report. They are displaying false and misleading information about me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention the provisions outlined in 15 U.S. Code 6802 and 15 U.S. Code 1681a, both of which pertain to the obligations of financial institutions regarding the disclosure of personal information and the definition of a " consumer report, '' respectively. 

As a concerned consumer, I am aware of the importance of maintaining the privacy and security of my nonpublic personal information. According to 15 U.S. Code 6802, it is stated that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless certain conditions are met. Specifically : ( A ) The financial institution must clearly and conspicuously disclose to the consumer, in writing or in electronic form, that such information may be disclosed to a third party.

( B ) The consumer must be given the opportunity to direct that such information not be disclosed to the third party before the initial disclosure takes place. 
( C ) The consumer must be provided with an explanation of how they can exercise the option to withhold such disclosure. 

These requirements are in place to ensure that consumers have control over the sharing of their personal information and can make informed decisions about its disclosure.

Furthermore, as per 15 U.S. Code 1681a, the term " consumer report '' excludes communication of information among individuals who are related by common ownership or affiliated through corporate control. This definition highlights the importance of delineating the types of information that fall within the scope of consumer reports and those that do not.

I kindly request that the department of Education ensures strict compliance with these provisions to protect the privacy and rights of consumers according to 15 USC 1602 ( l ). As a valued customer, I trust that the department of Education is committed to upholding these legal obligations and providing transparent communication with regard to the use and disclosure of my personal information. 

Thank you for your attention to this matter. I appreciate your dedication to maintaining the highest standards of privacy and security for your customers. Should you have any further information or updates regarding this issue, I would appreciate being kept informed.
Product: Credit card or prepaid card

I had a dispute and closed an account with a merchant of questionable integrity. It was a healthshare account. I had not given the healthshare company my new card info ( same account, just new security code ). The company was unable to charge me for 2 1/2 months. They had requested my info, but I did not give it to them. Therefore, I thought there would be no continued billing. 2 1/2 months later, my CC co. ( XXXX XXXX XXXX/synchrony bank ) started billing again. I had not authorized these charges, and my healthshare account was suspended during that time. Therefore it wasn't a valid account. 
I disputed the charges and they were reversed. But the healthshare company was able to bill me again. 
The CC company did not stop the recurring charges as requested. They said they were unable to stop the recurring charges. I asked if I could get a new card/account number, they said yes, but the recurring charges could follow me to the new number. 
They said there was no way for them to stop the recurring charges.
Product: Debt collection

Phoenix Financial has reported the same account in collections 3 times. It's the same account. I have successfully disputed and had this account removed from my credit before while it was with another debt collector. It isn't mine, and they are not allowed to report the same account multiple times. This violates the FCRA. I have screenshots of multiple credit monitoring companies showing this was reported 3 times within 2 weeks. It dropped my score every time, and the account isn't mine.
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. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated without incident. Also, the creditor I talked to agreed to repair the account in my file. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX XXXX  XXXX
Product: Mortgage

Our mortgage was purchased by Chase Bank in    XXXX   XXXX   , in    XXXX   XXXX    they paid    XXXX    and County  taxes in the amounts of {$2300.00} and {$2000.00} out of my escrow account. These amounts were not for my taxes, they paid someone else 's taxes and took my escrow account negative. I contacted  Chase  and spoke with them the last week of    XXXX   XXXX   , they said it could take up to 90 days to get the refund.  XXXX  then sold the loan to  XXXX   XXXX  at the beginning of    XXXX   XXXX   . I have contacted  XXXX  on multiple occasions, they said on    XXXX   XXXX    that checks had been mailed to the new loan service company in   XXXX   XXXX  , VA. I contacted   XXXX   XXXX   and they have not received the checks. I then contacted  Chase  to find out if the checks had cleared, I was then informed that it would take days to find out if the checks had cleared. At this point, I need the funds put into my escrow account at  XXXX   XXXX  ( which is still showing a shortage ) - preferably Chase mails the checks to me directly so I can put the funds into my escrow account on my own.
Product: Debt collection

This account has been sold to a collection agency which has been settled in court for a lesser amount. It should no longer be listed on my credit report per court action XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mail out dispute letters to all three credit bureaus and none of them corrected the information. 
XXXX XXXX XXXX XXXX receives a XXXX dollar payments every month, this is what the company agreed too. And every month they report my account late/derogatory XXXX XXXX XXXX XXXX has this account listed as open but charged off with a balance of XXXX XXXX ) the addresses listed on my with the credit bureau should be XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX All others I would like removed. 
XXXX XXXX XXXX is listed twice along with XXXX XXXX and XXXX XXXX. I disputed these as well and I was told that it was fribilous. 
An according to my rights with fcra I have the right to privacy and the right to have only verified and accurate information on my reports
Product: Debt collection

I've been trying to get this resolved with this horrible, immoral collection agency ALL YEAR! Their collection tactics are deceitful. They just buy alleged debt for pennies on the dollar to turn a profit. Despicable! They have placed a collection on my credit profiles claiming that I owe {$360.00} to XXXX. Ive never had an account with XXXX. I've always had XXXX XXXX. I have reached out to this company 4 times between XXXX and XXXX of 2021.
Product: Credit card or prepaid card

Dear cfpb, Here are the main facts of our experience. 

We purchased on XX/XX/XXXX a Serve  and a Bluebird card as requested by an agent we thought was with XXXX. The amount was XXXX each. On XX/XX/XXXX we informed American Express via the phone number on the back of the card. We also notified the police in our home town of XXXX, XXXX, We have card numbers and the receipts. 

As soon as we returned home, XX/XX/XXXX, my husband emailed a letter to XXXX including photos of the cards, receipts as suggested by a representative of American Express. We have had no response, so he over-nighted the information via usps. No response. 

My husband and I have both spent hours on the phone trying to get resolution to this matter. We can provide proof that we purchased the cards. American Express has not made any effort to return our money or to even communicate with us, We can prove that we bought the cards and prove that someone else cashed them in. 

On XX/XX/XXXX I was looking over the rental agreement on our XXXX XXXX car for our trip to XXXX XXXX. Our train was to leave in 3 hours. I spoke to XXXX  to tell them I didn't want to be the driver  in XXXX XXXX and they said they would not change the agreement. I looked online for another customer service number and called and spoke to a XXXX who said he could fix the problem.We needed to buy an American express prepaid card to take to the desk when we picked up our car. He made a point of saying it needed to be American Express. 
I purchased a Serve card at XXXX XXXX and gave him all the numbers on the card as he requested, grateful for a solution to having to drive in XXXX XXXX traffic. He called back later and said it was the wrong card - needed to be a Bluebird. My husband purchased that and I gave XXXX the numbers. 

On XX/XX/XXXX we got to the XXXX desk and we told they don't take prepaid cards and that we had been scammed. Later that day my husband called Amex to report our situation. 

On XX/XX/XXXX the agent my husband spoke to was a bit helpful. He did some research and found that the person who cashed in the cards was named XXXX XXXX with XXXX XXXX XXXX XXXX XXXX 
The rest is ourlined above. 

Our understanding is that prepaid cards are often used by scammers and so provisions have been made by card sellers to guard customers from loss. We don't use prepaid cards so we were unaware of these dangers. 
We have provided reasonable evidence of what happened. American Express has delayed, ignored, hung up on us, wasted our time, and not stood by their product. 
We are out over XXXX dollars and would like American Express to refund that to us. 

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

On XX/XX/2020, someone fraudulently applied for credit in my name and XXXX notified of this and quickly shut down the credit line with XXXX XXXX. I contacted XXXX XXXX and requested the acct be closed and that I never applied for credit with them. The acct is still open in my name, the inquiry is still on my credit report and I want to close this acct AND remove the inquiry from my credit report on all credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

Unfortunately, I have noticed some an accurate entries of information found on my consumer report. Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. 

XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX Per XXXX XXXX XXXX Permissible Purposes XXXX I want this hard inquiry removed from my consumer report. These inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.
Product: Credit reporting or other personal consumer reports

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE FRAUDULENT UNAUTHORIZED OF THE REPORTING INFORMATION OF ACCOUNTS ON MY CONSUMER REPORT - XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 maccordance 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 tem of information, other than records of convictions of crimes which antedates the report by mote than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the aceounts below :