23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to Section 611 of the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information in their credit file, and credit bureaus must investigate such disputes within 30 days. Furthermore, Section 623 of the FCRA requires furnishers of information to provide accurate information to credit bureaus.

My inquiry to the U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

18 U.S. Code 1028A - Aggravated identity theft 15 U.S. Code 1681q 15 U.S. Code 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX, and Equifax credit report, And I noticed some late payments posted on my credit report XXXX XXXX ..ACCT : XXXX late payment. XX/XX/XXXX 30DAYS Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. 

Did I give u written instructions to furnish this late payment on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX
Product: Student loan

This is a formal complaint against my federal student loan servicer, XXXX XXXX XXXX. I have made repeated attempts to try to get my manual review letter where they calculate and provide me with the number of qualifying payments I have made and the number of payments still required. The initial letter I received, dated XX/XX/XXXX, stated I would get this no sooner than 90 days from that date. It is now over a year later and I still havent received it. I called about this issue XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The last three people I talked with ( including one supervisor ) even sent emails to management but I still didnt get a word of response. I have documented everything, if you need details. 

My other big complaint is that I have to still be working when they make the final decision. I went back to school in my late XXXX to finish my education so that I could get a good job. I was hired with the state of California 10 years ago and I am now XXXX XXXX XXXX. I have completed my 120 months of qualifying service and I submitted my application for forgiveness on XX/XX/XXXX. Making still working a condition is discriminatory in itself, but especially so for older workers. XXXX   XXXX XXXX can take as long as they like to finalize this processthere is no cap. But I dont have that kind of time. I need this to happen before XX/XX/XXXX or I have to forfeit. The letter I received from XXXX XXXX XXXX, after I submitted my application, stated the process of confirming my eligibility and qualifying payments may take approximately 30-90 days. I need it done in 36 days from today. I have done everything theyve asked and have never been late on a payment. It has been verified that the loans qualify. My job is certainly qualifyingIve worked for the State of California for the 120 months with no break in service. 

I hope you can help me and I thank you for trying.
Product: Credit card or prepaid card

MySynchorny offers no interest credit but the statements are misleading in the minimum amount due claim. Only after pressing an online rep in a chat was I able to get accurate information. I have a transcript of the chat.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit cards are not reporting to my Equifax credit report. It shows on my XXXX and XXXX but Equifax shows my lower score with out of date information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Delawa # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Transcript Follow along using the transcript.
Product: Checking or savings account

I received emails stating a Bank of America checking account had been created with my information. I also received a response from BOA that the account was closed, however, I keep receiving statements from them for an active account. I did not open this account and have never been a BOA customer.
Product: Debt collection

Good day, I am filing a complaint against Oac, XXXX XXXX XXXX, and XXXX. I received a derogatory remark on my credit of owing {$88.00} and this has put me in collections with OAC. I absolutely have no idea of the debt owed to XXXX XXXX. My credit report can show that I have never owed a single debt, not even a delay in payment one time. I put all my accounts on autopay and I believe I have paid off whatever balance I have. I never got any notification or reminder to inform me of any balance pending. I do not even have any idea of where the debt payment needs to go. I need this resolved please as this is very unfair that all these years I worked to have a clean credit report an unknown debt I have no knowledge of will be added to my credit report with no prior knowledge. 

In summary, I strongly believe I do not owe {$88.00} as all my accounts are set up to autopay and I never received any notification of this debt. Not even one. Please advise. I do not have any receipts as I believe whatever was owed was paid through a portal they sent to me. I do not remember the portal or have access to it anymore. WHY WOULD THEY SEND MY ACCOUNT TO COLLECTION WITHOUT PRIOR NOTIFICATION? NO LETTERS, NO CALLS, NO EMAILS. NOTHING!
Product: Mortgage

select portfolio services reviewed mortgage and taxes in XXXX.they said my county taxes increased to more than XXXX dollars. after a long lenghy battle and a complaint to you i recieved a decrease in my mortgage to XXXX a month this years statement say i owe XXXX in taxes because of ashortage in my escrow .my payment is now XXXX a mortgage pay ment increase of XXXX. XXXX i am a XXXX .how do i pay this because all they want is my house.
Product: Student loan

I have been paying every month since 2011. It was supposed to be 120 payments. My interest rate is variable and right now 9.25 %. For years I have been paying {$15.00} more than the minimum due, and have instructed that amount go to principal. It often changes and goes towards the next bill due. I have alos made several large payments of thousands of dollars. It started at {$13000.00} and I somehow STILL owe over {$4000.00}. It just doesnt move. I understand how loans accrue interest. I don't understand how I have not paid this off in 11 years though.
Product: Student loan

This private student loan was signed for by my father thru my XXXX XXXX XXXX XXXX that became XXXX XXXX XXXX XXXX was shut down to fraud and embezzlement and they used XXXX as there bank source. I never signed the loan docs Wells Fargo has never provided anything showing my signature. My dad filed a chapter XXXX Wells Fargo fought discharge but again they lost and the debt was discharged at the end of the 13 5 years later. They willing took payments from him that was against the bankruptcy code. But now since the Bk court figured out what they were doing they are trying to make me responsible for a loan I never signed. They will not talk to me and refuse to provide any proof as there is non or its fraudulent. Again look at XXXX XXXX lawsuit remember XXXX XXXX was the same people from XXXX. Now Wells Fargo is distroying my credit. On a 13 year old loan that I never signed for never delt with never did anything with. There is only 2 months of pay history reported on the credit report. Like I just took this loan out and defaulted. Where is the other 12 years and 10 months of reporting history? You have not not been able to prove ownership yet you destroy my credit. Please remove this off all of my credit files at XXXX, XXXX XXXX and XXXX. I have received no notification on this loan of statements or delinquent notices. So again please remove all negitive credit reporting and remove the whole loan off my report as I never signed any paperwork to have any liability for this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my credit card bill off in full for the scheduled monthly payment and experian took XXXX points OFF of my FICO score. In XXXX, I used 1 % of my available credit ( {$16.00} ). In XXXX, I used 0 % of my available credit and the message that experian placed on my alert " could help or could harm '' was that I may have paid down my balance or closed an account. I just opened my Credit card in XXXX. I paid the balance off in full because EXPERIAN recommended that I do so on their homepage under tips when building your credit score. The following month I did the same thing and they didn't ADD XXXX point to my score. I am filing this complaint because if the Credit Scoring Company is operating this way - there is something terribly wrong. I inquired with the company and they told me that they do not have any control or do not assign the scores. However, this is a case where consumer protection is necessary from EXPERIAN. Even if they don't control/assign the scores, clearly, the system is not working if it thinks that I closed an account that was just opened in XXXX. A machine should not have the last say about negatively deducting XXXX points from my FICO score when I am doing all of the recommendations of this credit bureau and the others as well. And why wouldn't it positively impact my FICO when my monthly credit card usage is 0 % after paying my bill in full. Again, how is this happening with the Most Important Credit Card, FICO score reporting company. I NEED SOMEONE TO HELP ME- THIS SHOULD NOT BE HAPPENING!
Product: Credit reporting, credit repair services, or other personal consumer reports

I strugged with financial extreme hardship impacted by the COVID-19 disaster. I had contacted the creditor, requested payment options. Many creditors announced proactive measures to help borrowers impacted by COVID-19. The CARES Act has forbearance and credit reporting requirements that applied to my situation. The creditor was required to provide forbearance of other flexibilities for repayment. The creditor was required to act under the CARES Act and not to report late payments to CRA 's and remove all late fees due to this pandemic. The creditor was required to comply with the CARES Act and report my account as current. However this creditor violated, breached the CARES Act requirements and escalated negative reporting, adversely affecting my credit rating. As a result, I suffered significant harm and was unable to apply for any type of credit card, auto or personal loan. The creditor was contacted multiple times by letters, with which I asked to reverse their negative reporting and update with good will credit reportng. I was discriminated and impacted by the creditor 's unawful adverse action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account this all hard inquieres : - 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 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
Product: Credit reporting 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 XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( 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. XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNTS ARE FRAUDULENT PLEASE BLOCK/DELETE FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is trying to collect on a debt that is well over 10 years old, and well outside the 7-years rule on credit reporting. They are in violation of their subscriber agreement with Experian, and there is no other recourse but to permanently delete the collection from my personal credit report. This posted collection is a violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This item must be deleted and my file must be purged permanently.
Product: Debt collection

Midland company is taking me to court claiming I owe them money. I never sign a contractual agreement with midland funding. I am not aware of this company and their claims. I have been dealing with court hearing since XXXX. I was told by the Plaintiff advice me to complete a fraudulent report to file an identity theft. Judge also advice me to fill out a report on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, 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 on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I file a complaint with Experian through the CFPB concerning unauthorize use of my consumer report. Experian responded in under 24 hours that the inquiries are Factual even though I gave proof that I only authorized XXXX ( XXXX XXXX ) to obtain a consumer report. Again! look at the documents I've uploaded for your investigation instead of XXXXr or my mailing address. Remove these inquires immediately, I've suffered greatly because of your negligence. I have also uploaded my FTC identity theft report ( XXXX ) for your investigation. Remove the following Inquiries below. 
XXXX. XXXX XXXX XXXX. XXXX XXXX CFPB Complaint # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Immediate Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am formally demanding the immediate removal of the following unauthorized hard inquiries from my credit report. I did not authorize, apply for, or consent to these inquiries, and I have previously notified you that they are fraudulent. Despite my prior request, they remain on my report, negatively impacting my credit standing. 

Unauthorized Hard Inquiries : XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX MB FIN SVCS ( Finance ) XX/XX/XXXX XXXX AUTO ( Bank ) XX/XX/XXXX XXXX  AUTO FIN ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX As these inquiries were made without my authorization, they constitute a violation of my consumer rights under the Fair Credit Reporting Act ( XXXX  ). You are legally obligated to investigate and remove any fraudulent or inaccurate information from my credit report.
Product: Debt collection

The company is claiming that i have a charter communication debt that was opened in XXXX XXXX the debt doesn't belong to me. I want proof of signature for the contract with my legal name XXXX XXXX   XXXX
Product: Payday loan, title loan, or personal loan

I have made several attempts to call and speak to someone and after waiting in their queue the call drops. Ive set up appointments for a call and I dont get a call back. Ive sent them emails like it says in their website and automated system and of course no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer report XX/XX/2022 and noticed there was a collection account for CENTRAL PORTFOLIO CONTRO that was opened on XX/XX/2022 for {$1000.00}. This company never gave me the opportunity to dispute this debt they claim that I owe. This company and the credit reporting agencies have been willfully negligent by not having this account reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act 15 USC 1692g. I will also add that this debt belonged to a different collection agency, XXXX, up until XX/XX/2022 which was deleted from my consumer report because they could not provide the proper instruments of debt validation.
Product: Debt collection

XXXX a fraudulent account was opened and appeared on my consumer report. I NEVER lived at the address associated with the debt.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting a formal dispute regarding unauthorized inquiries on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). According to the FCRA, all inquiries must be authorized by me or verifiable by the creditor. 

The details of the disputed inquiries are as follows : Creditor Name : SALLIE MAE XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not authorize these inquiries, and I request that they be removed immediately if they can not be verified. 

Please investigate this matter promptly and provide a resolution. Thank you for your assistance.
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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX USBK COURT XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX