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

NOTE : CFBP did accidentally close CFBP complaint # XXXX citing it as a duplicate of CFBP complaint # XXXX and/or CFBP complaint # XXXX. When in-fact CFBP complaint # XXXX is a unique and NEW complaint regarding XXXX XXXX XXXX XXXX I am now opening this CFBP complaint ONLY because CFBP did wrongly close CFBP complaint # XXXX. DO NOT CLOSE THIS COMPLAINT FOR BEING A DUPLICATE, AS YOU WOULD THEN BE REMOVING MY POSSIBLE REMEDY FOR THIS NEW AND UNIQUE CFBP COMPLAINT. 

Approximately 2 weeks ago I contacted XXXX XXXX XXXX XXXX that my consumers nonpublic personal information, as defined by 15 USC 6809 ( 4 ), is being illegally shared without my express consent, per 15 USC 6801 thru 6809 and 15 U.S. Code 1681b ( a ) ( 2 ), and am now expressly opting out of sharing any of my consumers nonpublic personal information with nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has yet to update my credit reports by removing/deleting the trade-line on XXXX, XXXX, and TransUnion. Additionally, I did notify XXXX XXXX XXXX XXXX of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Virginia XXXX XXXX {$24000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the letter from the creditor Nissan Infiniti, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to XXXX and XXXX. 
XXXX does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.
Product: Mortgage

As the client 's XXXX XXXX I have been trying to obtain the Promissory Note for the client since XX/XX/XXXX in order to apply for Hardest Hit Funds in NC. The client has called several times, as the XXXX XXXX XXXX I submitted a new Third Party Authorization on XX/XX/XXXX according to their requested specific  guidelines that the agency name and phone number had to be on the same page as the clients signature. When I called back today XX/XX/XXXX Citi Mortgage then informs me that the client has to be present for them to provide me with the document. At no other time have they relayed this information to me. Then when I told the agent that the client has also called several times and requested the Promissory Note but it has never been received there was not answer for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I tried to update and correct information on my Credit Report through Experian, XXXX XXXX, and XXXX. Each attempt to update utilizing their online features were meet with errors and the inability to have my requests processed. I attempted to contact Experian by phone as their website stated the operating hours only to be greeted with an automated message that it closed 3 hours earlier than displaying the website. I attempted to provide documents via web upload and also to access my account on XXXX  but the online access is not available. I am notifying you of the incidents as the Credit Reporting Agencies are making contacting and updating my personal information impossible. These agencies are not allowing for ease of use or contact and have created a severe obstacle when trying to even make contact with them. This way of conducting business with an individuals personal financial information and the long term affect they can impose on a person are disturbing and need to be corrected immediately. I am asking for assistance and would request your agency inquire into the practices that are currently in place that are keeping individuals from accessing and updating their personal financial history and information. If a company is presenting an online access but at each attempt states they are unavailable to process then the access is not offered they are simply presenting a fraudulent offering of service. Please do something to hold these business accountable for access and current information as well as granting ease of access to an individuals personal information for update and inquire. Thank you,
Product: Credit reporting or other personal consumer reports

I received a letter from the company that they updated my report to reflect accurate but Transunion hasn't updated my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section1681i, and continue to report unverified information without providing any proof required by law. 3credit bureaus have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquirydate XX/XX/XXXX ; XXXX XXXXXXXX, XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XXXX, XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX : XXXX. XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX, XXXX
Product: Credit card or prepaid card

In 2020, I lost my job in XXXX due to XXXX. I missed exactly 5 payments. From XX/XX/2020 to XX/XX/2020. I was able to get in good standing in XXXX when I got a new job. However I called Capital One and asked for a Goodwill Adjustment on those payments since they happened exactly at the cusp of the Pandemic. And Ive had that account for exactly 12 years. They said there was nothing that they could do. But I think this is ridiculous due to the fact that they were well aware of the pandemic. I'm really trying to get everything back together.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint today to follow up the previous CFPB Complaint I previously submitted on XX/XX/XXXX. Under the Fair Credit Reporting Act section 605b, The Credit reporting agencies are required to remove any accounts and information that resulted due to identity theft. I have been sending dispute letters addressed to the Credit Bureaus but the Credit Bureaus have failed to respond to my letters let alone remove the disputed fraudulent items from my Credit Report. The most recent letter I sent was dated XX/XX/XXXX and I am still waiting for the Credit Bureaus to respond to my letters. By the provisions of the FCRA section 605b, I am requesting that the Credit Bureaus remove the disputed items completely from my Credit Report as soon as possible ; 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 XXXX XXXX XXXX
Product: Debt collection

I am writing to formally request clarification regarding an alleged debt that your agency claims I owe. Under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681b and 15 U.S.C. 1692g, I am entitled to request and receive specific information related to this debt.

I would like to highlight that I have never entered into a legally binding contract with your agency that would indicate I owe any amount. Furthermore, I believe the original creditor may have engaged in fraudulent practices.

In accordance with the FCRA, I am requesting the following information to verify the validity of this alleged debt : 1. The date of first delinquency.

2. The date of the last payment.

3. The date of charge-off.

4. The chain of assignment for this debt.

Additionally, I would like to request a purchase order that includes all parties involved in this alleged debt, along with signed proof that you have the legal right to collect this debt in Texas.

Please provide this information at your earliest convenience. Failure to provide adequate verification may result in a request for statutory damages due to the furnishing of inaccurate information regarding this debt. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Student loan

Back in XX/XX/XXXX, The Illinois XXXX XXXX XXXX came to my school. They had salesmen as recruiters and pushed me to go out to XXXX for this school. In XX/XX/XXXX the stock market crashed they forced me into doing private loans to finish the program. Ever since then my private loans were being sold off to other companies. I am looking into any options that I can possibly do to reducing or getting rid of the debt.
Product: Checking or savings account

I filed a dispute for a total amount of about XXXX bucks to Wells Fargo and explained to them my card was stolen and that I didnt recognize the transactions reported. I even filed a police report in my area. Instead of trying to give me the funds while my account was under review they quickly rejected my claim in a day. I dont have any reason to lie my money was took from me and they didnt even try to give me my money back. There is no way they confiscated a proper investigation in just a day or two. I still want my XXXX back that is a lot of money to lose and these guys at Wells Fargo didnt even help me out nor did they even allow me to appeal the decision to deny my claim. Please all I ask for is my money back in the amount of XXXX I did NOT authorize that transaction I want my money back
Product: Debt collection

Under the FDCPA 1692G which gives consumers a 30 day window to dispute a debt in writing AND 1692E which prohibits using false or deceptive means to collect the debt. 

The notice I received removed my right to dispute the validity of the debt through debt validation and debt verification two separate practices. The deceptive practices taken place would be from the collection company knowing the debt is not mine because of the school was notified the information submitted was fraud. Also the alleged debt gives me no option to contact the debtor to dispute only to pay the debt. The claim I am asserting is that the collection letter misguided me as the consumer. In addition to including the the missing absent statutorily required validity language, the collection letter also invited me the recipient to please call to discuss payment arrangements circuit court decisions including XXXX v. XXXX XXXX XXXX XXXX. from XXXX, XXXX XXXX XXXX XXXX XXXX form XXXX, these cases supports the current actions are improper and is in clear violation of the FDCPA 1692G and 1692E I would like the entire debt removed from ALL agencies which credit information or reports are supplies which includes data brokers. 

Proof of Complaint Case Number : XXXX I sent information to XXXX  XXXX university and the department of education Financial Aid department informing them the information was fraud and that I should have never been enrolled in their school and I should not have had a financial aid balance with the school. The fund we're rescinded and I was never given another call or bill.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Experian for failing to comply with federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], as well as for engaging in unfair and deceptive practices that negatively impact consumers. My complaint is further supported by the recent CFPB lawsuit against Experian, which highlights the companys failure to properly investigate disputes, inaccurate reporting, and misleading credit practices.

Experian has failed to investigate and correct inaccurate information on my credit report as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates a reasonable reinvestigation of disputed items within 30 days.

Experian has continued reporting incorrect information despite my previous dispute, in violation of 15 U.S.C. 1681s-2 ( b ), which requires credit reporting agencies and furnishers to correct or delete inaccurate data.

Experian has engaged in deceptive practices by failing to provide a clear and accurate explanation regarding my credit report dispute, consistent with the allegations in the CFPBs recent lawsuit against the company.

The CFPB lawsuit against Experian highlights systemic issues, including : 1. Failure to conduct proper reinvestigations of consumer disputes and instead relying on automated, inadequate responses.

2. Reporting inaccurate information even after consumers provide evidence to the contrary, violating their duty under the FCRA.

3. Misrepresenting credit scores and data to consumers, causing financial harm.

My experience with Experian directly aligns with the violations outlined in the CFPBs case, demonstrating their continued noncompliance with consumer protection laws. 

ACCOUNT : XX/XX/XXXX, [ OFFICE OF THE ATTY GENERAL ] ACCOUNT NUMBERS : [ XXXX ], [ XXXX ] DISPUTE REASON : [ ACCOUNTS NOT MINES ] I appreciate the CFPBs commitment to protecting consumers and request a prompt review of this complaint. 

Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed several disputes with Experian and XXXX regarding the Department of Education/XXXX inaccurately reporting my student loan that was forgiven via the Public Service Loan Forgiveness in XXXX of this year. 

I provided Experian and XXXX with letters from XXXX and XXXX ( dated XX/XX/ and XX/XX/, respectively ) confirming the discharge of the student loan debit in its entirety and a " XXXX '' balance. The XXXX letter includes a line item showing payment in full in the amount of {$39000.00} made to clear the account on XXXX 

The same documentation was provided to XXXX and XXXX and the balances were updated to " XXXX '' with those credit bureaus. 

Experian and XXXX state the Department of EducationXXXX continue to report the balance and have verified the balance is accurate. 

I submitted disputes to Experian on XX/XX/, XX/XX/ and XX/XX/ and to XXXX on XX/XX/, XX/XX/ and XX/XX/ regarding the balance being incorrect. I submitted multiple disputes just in case I mistakenly selected the wrong reason. 

I am submitting this complaint against Experian and XXXX because XXXX and XXXX were able to update the balance correctly after reaching out to the loan servicer/provider. 

However, if it turns out the Department of Education and XXXX are giving out inaccurate information to select credit bureaus, I would like to file a complaint against them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it once again. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof Verify these unverified accounts : XXXX XXXX Balance Owed : {$76.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Equifax, This complaint is in relation to a credit account this creditor ( XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Debt collection

1. 30/60 days past due, negative credit report, I never received phone calls with a live representative or automated message, Last name was spelled XXXX ( incorrect spelling ), Barclays Bank Delaware 2. 30/60 days past due, negative credit report, my children misplaced the mail/ I never received any follow-up from the company to collect payment, XXXX XXXX credit card 3. 30/60/90 days past due, negative credit report, Not my account/ name is incorrect XXXX XXXX XXXX is not me/ I never received any follow-up calls, XXXX XXXX 4. 30/60/90/120 days past due, negative credit report, I requested the company to close this account and assistance to create a payment plan, but received no follow-up, I eventually paid it in full due to no response, XXXX XXXX XXXX 5 . 30 days past due, negative credit report, my wife is in charge of this account, not me/ I asked the company to change the contact info, but they never did, XXXX XXXX 6 . 30 days past due, negative credit report, This is my wife 's vehicle in which she wrote a check and sent it in prior to the major holidays. After receiving the notice of this late payment, we called XXXX and explained what we did. The representative stated they received the check, but did not deposit it till after the holidays and said they would not report this as a late payment-it still reflects it on my credit report, XXXX XXXX XXXX 7. 30/ 60 days past due, negative credit report, My wife was responsible for this account, the vehicle was a gift. My wife became delinquent due to XXXX XXXX around that time frame. This was brought to the attention of the creditor, but we never received a follow-up solution, XXXX XXXX XXXX 8. 30 days past due, negative credit report, I have never been late on this account/ support. I made the mentioned payment on a Friday late afternoon in which that following Monday was a holiday. I called the representative and explained this matter. She agreed that it was a mistake and provided advise on payment delivery. The representative stated this would not affect my credit, but it reflects on my report, XXXX XXXX County D.A. 

9. 30 days past due, negative credit report, Old account that I disputed with the company years ago. The representative stated they would remove this from my credit report, but it is still there. XXXX XXXX XXXX 10. 30 days past due, negative credit report, Not my account, I am not familiar with this company. XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have an Agricultural Line Of Credit with PNC Bank that was opened on XXXX. The Line Of Credit renews on an annual basis. At the time of commencement of the loan, the Disbursement Request and Authorization form stated that the annual renewal fee was to be {$100.00} ( Figure A ). The annual renewal is conditioned upon payment of the annual fee ( Paid for by Cash ). PNC is currently in the process of phasing out its Agricultural lending business. When I was made aware of this, I decided to refinance with a local bank close to our Farm. I received a payoff letter for the PNC loan on XX/XX/XXXX in which they disclosed that we owed annual fees of {$870.00} for 5 unknown years for each year ( Figure B ). The payoff letter does not designate which years the {$870.00} is associated with. We called PNC on several occasions and discussed the annual fees charges with the Loan Officer, Local Branch Manager and the PNC complaint department. Our first question was to ask when the change was made to the annual fee from the original agreement of {$100.00} to {$870.00}. PNC has not been able to provide any documentation that we were ever notified of the change, and more importantly, that we agreed in writing to the annual fee change. PNC effectively unilaterally modified the agreement without notice to us. The only document PNC has provided is a copy of a Renewal Letter dated XXXX that states : " This renewal is conditioned upon your payment of the annual fee of {$870.00} ''. I worked closely with the 3 or 4 PNC Loan Officers that were assigned to our account, over 9 years, and the annual renewal of the Line Of Credit was renewed each year, without a cash payment for the annual renewal fee, except XXXX and XXXX, see below. Going forward each year after renewal, we continued using the Line Of Credit. The only communication I received from the current loan officer, at the time, was that the Line Of Credit was renewed and we could keep drawing the funds finance our cattle inventory. 
My records show that we paid {$250.00} on XXXX and {$300.00} on XXXX, for annual fees. I also have an email from one of my Loan Officers dated XXXX stating he was looking into reducing the annual fee from {$300.00} ( Figure C ).