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

On or bout XX/XX/23 I sent XXXX, Equifax, and XXXX a dispute of certain information on my credit report. 
On XX/XX/23 XXXX sent me an email telling that they will not investigate because it appears someone else sent the dispute on my behalf. 
On XX/XX/23 XXXX sent me a letter telling me they will not investigate the dispute because it looks like someone else submitted the dispute on my behalf. 
Till Date Equifax has not responded. 
On XX/XX/23 I sent a response to XXXX advising them that I did in fact send the dispute and they were obligated to respond which they received on XX/XX/23 ; See Tracking # XXXX On XX/XX/23 I sent a response to XXXX advising that I did send the dispute which they received on XX/XX/23 ; See Tracking # XXXX Till date Equifax has not responded.
Product: Debt collection

The company has been calling for months even when I have been making payments and when I answer they will call and hang up just to see if the number on file works. I called to schedule a payment the representative took my account information and never put my payment on file i called XX/XX/23 @ XXXX. I called again the next day ( XX/XX/23 ) to cancel the payment because of my check being on hold and the new representative told me it was not a single note or payment arranged.I am in fear of my bank account information being out there. I do recall the call stating that it was being recorded. I told the representative to make sure they stop contacting me because I scheduled a payment. They even sent me another email after I told them to stop contacting me on XX/XX/23.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my most recent credit report, as I was reviewing the content of my report I noticed some very inaccurate and amiss information. It seems that my credit profile has been compromised by someone knowingly or unknowingly using my personal information. I, being a natural person and very aware that consumer reporting agencies need written instructions by I, THE CONSUMER to furnish a consumer report. Without written instruction, this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. By definition, XXXX has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ).

1. Under 15 U.S. Code 1681b Permissible purposes... 
XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete this from my credit report immediately 4. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY 5. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  I called my credit card company XXXX XXXX on multiple occasions requesting hardship due to me being in a XXXX  XXXX. My spouse was controlling my finances and I was not working.They insisted there was nothing they could do. Which caused me to have 5 missed payments on my credit report. I fled my home this year and asked for the same assistance and they provided it to me. When I inquired how long did they have this assistance they stated " since Covid 19 '' so that means they had it when I initially inquired.I am currently looking for a home to live in and sent multiple Goodwill letters asking for removal of the late payments. XXXX XXXXXXXX XXXX XXXX  stated for me to call Experian to have the issue resolved. If I was not given false information back in XXXX of XXXX, this could have been avoided. Now I am having trouble locating a safe home because as a courtesy to me they do not want to remove the report after they already provided false information. 

Can you please assist me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  XXXX Account # XXXX and XXXX  XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Product: Debt collection

Ability Recovery Services LLC is continually tarnishing my credit by reporting a " collection '' account to the credit bureaus which causes me adverse negative actions.

Ability Recovery Services LLC is attempting to collect a debt for XXXX XXXX from a name similar to my own. 

I have submitted FTC Identity Theft Affidavits to the CRAs years ago and they deleted the fraudulent Ability Recovery Services LLC collection back in the year XXXX. 

I have called Ability Recovery Services LLC back in XX/XX/XXXX and told them that I never done any business with the original creditor, never signed any contract. I also informed the debt collector that the debtor 's name is misspelled or similar to my name. 

It is now XX/XX/XXXX, Ability Recovery Services LLC has again continued to tarnish my credit by reporting a collection account to my XXXX  credit report with a {$1800.00} balance. 

Despite telling Ability Recovery Services LLC that this is a fraudulent account and despite having to waste my time getting the credit bureaus to remove this information, Ability Recovery Services LLC continues to harass me, tarnish my credit report negatively impacting my life and forces me to waste my precious time making complaints to the CFPB, calling the credit bureaus, faxing information to the credit burueas, ect.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing issue regarding an account dispute that I recently addressed with your company. 
I filed a dispute with XXXX, XXXX And Experian regarding account 's that was inaccurately reported on my credit report. XXXX XXXX XXXX and also XXXX XXXX. XXXX determined that the account 's was indeed erroneous and promptly deleted it from my credit report. I appreciate XXXX 's prompt action in resolving this matter. 
However, despite XXXX 's acknowledgment and deletion of the disputed account 's, I am disappointed to still see the same account 's remain on my credit report with Experian and XXXX. This inconsistency among the credit reporting agencies is not only concerning but also detrimental to my XXXX XXXX and financial well-being. 
I have attached documentation from XXXX confirming the deletion of the disputed account for your reference. I kindly request that Experian and XXXX take immediate action to investigate this matter and remove the erroneous account from my credit reports. 
I understand that errors can occur in credit reporting, but it is imperative that all credit reporting agencies maintain accurate and up-to-date information to ensure the fairness and integrity of the credit reporting system. I trust that Experian and XXXX will address this issue promptly and make the necessary corrections to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have provided the credit bureau with all of the information they needed. They still have not updated my report. I sent in letters in the mail for months and when I spoke to them they told me that they received my information and to wait a couple of days for my report to reflect the items removed. I have been waiting and calling and it has been over 50 days. I am trying to get this done it is very important to me and I have already sent in what was needed. These things need to be removed. XXXX XXXX XXXX Account XXXX, XXXX  XXXX  Account XXXX, XXXX  XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX OF WO Account XXXX, OFFICE OF THE ATTY GEN XXXX, CHILD SUPPORT ENFORCEM Account XXXX, and XXXX XXXX/FLORIDA MOR. My name is XXXX XXXX XXXX. This is the only way my name should appear on my credit file.
Product: Credit card or prepaid card

Dispute for transaction dated XX/XX/XXXX ; dispute involving services from vendor for cleaning/maintenance of unique luxury leather products ( 3 ). Services were disputed with merchant without resolution. 
Payment for contracted services was made when items were phoned to be completed. Upon pickup, and inspection, some items ( 2 ) needed re-service, and was paid in full at that time. 
Upon pickup for re-service, inspection found additional damages made to the items. Only resolution offered were additional re-service, which was declined due to damage from previous re-service. Requested refund ; merchant denied. 

Timely filed a claim with credit card company XXXX XX/XX/XXXX XXXX used to pay for services. Credit card company " lost record '' of initial claim. New claim was created ( XX/XX/XXXX ). Dispute went back and forth for Months, with " dispute resolution denied '' supposedly due to incomplete information provided in untimely manner. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
This 'late ' information describing the dispute in question was found by the dispute resolution team to have been timely, and the dispute went around again. This same instance of 'late presentation of dispute information ' occurred as error with the credit card company twice, delaying the ultimate resolution of the dispute, as processing takes up to 45 days. 
As of today XX/XX/XXXX, the credit card dispute resolution team states that they " can not verify the services in question '' although all information requested had been provided timely, and coupled with the delays in processing of the transaction being from XXXX, they ultimately denied the claim. 
In our opinion, we maintain that the credit card dispute resolution service that is a integral part of our credit card service, and our stated issues with goods and services purchased with our credit card which should be handled by said credit card dispute resolution team, thoroughly failed in their duty to uphold their promises to protect our interest in accepting services contracted for. 
Bank of America Mastercard Preferred Member
Product: Vehicle loan or lease

I walked away with the car on XX/XX/2022 from XXXX XXXX XXXX. A day before that on XX/XX/2022 I was going to purchase the car, but the check engine light was on and I told them I would not be purchasing the car due to the check engine light being on and me being a XXXX XXXXXXXX, I needed a reliable car. They told me nothing was wrong with the engine or transmission it was just loose wiring. They called me back on XX/XX/XXXX and said that they had fixed the wiring and the car was good to go, a day of me having the car it broke down on me at a red light and completely shut off. Again they said it was something with the wiring and theyll get it fixed when I had took it back for them to fix it. After I took it back the second time to get it fixed two days later I was driving again and it shut off on me completely, so my mother and I took it back and demanded that I get another car or we will not be doing business with them any further. They said that a new car could not be given to me but that they will fix the incorrect wiring on the car for the third time, they claimed to have fixed it. Before It shut down on me completely I had to go get new brakes, so I went to XXXX XXXX And paid to get my brakes fixed with a credit card they offered me and once they fixed my brakes they told me that the dealership that sold me the car sold me the car with 0 % brake life and they are surprised that I made it here alive. After getting my brakes fixed and opening up a credit card with XXXX XXXX, my transmission went out completely around XX/XX/XXXX. That being the 4th time the car shut off on me, I had a mechanic come to my house to check the car and he told me that the engine was completely shot and the dealership I got the car from sold me the car with a bad transmission that only had a few weeks of life and hes surprised it didnt go out sooner. So I contacted the dealership and they told me that they would go half with me on all the repairs and I told them that I should not be paying for any of the repairs. They told me my warranty of 15 days was already up, even though I told them to fix the car many times during my warranty and they never truly fixed it. So I contacted Westlake financial letting them know that XXXX XXXX XXXX sold me the car with the transmission being out with 0 % brake life and they did nothing to fix the car when it was already having mechanical issues and that I could have lost my life many times in that car. All they told me I still had to make payments on the car and they came and repoed it.
Product: Student loan

When I started College in 2007, I was advised of the Public Service Loan Forgiveness which applied to me as I was working in XXXX XXXX and had for years. My wife who also worked for XXXX also qualified for the forgiveness. As we completed our degrees we combined our student loans and again was advised that we would fall into this category as long as we made our monthly payment without missing any and made this payment for over 10 years. 
Well the 10 year mark came and I filled out the required paperwork and sent it in, only to be denied due to our student loan not being listed as a Direct Loan. I talked to Navient many times without any help. There only comment was I can reclassify my loan into a direct loan so I can qualify for the loan forgiveness and apply for it after 10 years of payments. I called ombudsman for help which didn't do anything. I only was able to talk to one person who apparently got to make the entire decision on my case by themselves. 
I was advised all those years ago from my school and loan people that my wife and I qualify for this program. Now it looks as if I'm going to have to make my student loans for 20 years. I'm now a retired XXXX XXXX and my wife is XXXX from XXXX. I have received no help from Navient or any Feds. I have researched my situation and found that I have fallen into the same category as thousands of people. I was given misinformation from my school and Salle Mae who originally had my loan. I feel cheated and lied too. I followed the directions I was suppose to and never missed a payment. I've paid on my loan for over 11 years now with still no help. I even called Navient to try and work out in paying off my loan if they would forgive half of what is still owed and they said no way. I would like to add my name to the class action law suits against Navient for their false claims and would like any feedback or correspondence regarding my situation.
Product: Payday loan, title loan, or personal loan

XX/XX/2022 I applied got approved and sign loan disclosure for a {$250.00} loan. Everything cleared got approved and selected instant fund. Call to ask why the funds didn't clear and was told loan is being withdrawn bc of a previous loan. I paid off previous loan years ago and closed it. I was approved and signed loan disclosure showing XXXX payment set up and everything selected find to be deposited on my card. XXXX was approved then I called they removed the loan totally as if it never happened no denial nothing was told my loan was removed rhats all
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # XXXX ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Product: Debt collection

I was going over my so-called credit report and came across Kimball Tirey & St John on my so-called credit report claiming that I supposedly owe them {$620.00} I did reach out to the company onXX/XX/2021via phone call, The receptionist over at Kimball had asked me my name, I gave it to him than he asked me for the last 4 digits of my SSN number to identify me, I responded and told the receptionist that under 42 USC sec 408 the receptionist immediately spoke over me and told me that he was only a receptionist from there he did find the so-called account owed and transferred me to a woman over at kimball, I could not get her name because immediately when she picked up she asked for my ssn than name. I agin told the woman 42 USC she got very angry at me and told me that she has to disconnect the call if I did not give her my SSN, I told her no problem that I will just make a complaint with CFPB so now I am here making this complaint because for whatever reasons this fraudulent information is about I have no idea as yet but Ive never gave anyone permission to put anything on my so-called credit report.

15USC 1692g 15USC 1592n 15USC 1681a. etc etc etc
Product: Credit card

I noticed a charge of {$62.00} on my Citi card that I did not authorized and had already late fees. I called Citibank bank in XXXX when I noticed and Citi Bank gave me credit back and removed the late fees too. On XXXX XXXX, 2023 I got an alert from XXXX that my credit card with Citibank was already late and had late fees. I called CitiBank and asked about it but they said the merchant had proof that the purchase was legit. I request Citi Bank to send me the proof from the merchant. In the documents the merchant sent, they have a different email that the one Citibank has for my file, the merchant gave email XXXX, the purchase was done in XXXX XXXX on XX/XX/2023, I have my records from my job that I was at work on that date in PA, USA. 
I already explained to Citibank that it was not me and that I am also a victim of fraud and XXXX in monitory my credit because back in XX/XX/2023, XXXX, XXXX had a security incident that resulted in the unauthorized disclosure of my personal informantion
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputed 3 items now with aExperian for the second time, and all I am getting is that is being verified without them proving or providing any kind of documents or signature proving the account s are in fact mine. All they are doing is using the XXXX system that says. Yes. Is his account s.
Product: Credit reporting or other personal consumer reports

Experian RE : Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience.

I previously disputed the following information on my Experian credit report : Account Name : US DEPT OF EDXXXX Account Number : XXXX Disputed Issue : unverifiable account Despite submitting evidence to support my dispute, Experian failed XXXX conduct a proper investigation. Specifically XXXX Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected.

Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA.

I look forward to receiving a response within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX