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

Experian Information Solutions XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason.

It has come to my attention that Experian has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX. Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that Experian will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 


I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I purchased equipment from XXXX XXXX. A customer service representative explained that my purchase qualified for a 12 months no interest promotion. I called customer service for a credit increase. During the application process I asked the representative if the credit limit increase would affect my credit he replied " No, it is a soft inquiry it will not impact your score. '' So I agreed. He then proceeded to transfer me to a female representative for verification where I again stated that I would only agree to authorization if my credit score was not impacted. Again, the representative assured me that it was a soft credit pull. I also mentioned that I could pay the remaining balance in cash if my credit score would change. As soon as I agreed to the terms and conditions, I received a notification that an hard inquiry was added to my credit report. I have called XXXX XXXX three times regarding this matter. The first representative apologized and explained that all credit applications require a hard inquiry. The second representative I spoke with disputed the transaction with the major reporting credit bureaus, which did not remove the hard inquiry. The third representative I spoke with said that my issue would be escalated. I explained that the matter had been escalated with no resolution and asked to speak with a manager. I explained the matter to the manager and asked if I could have a copy of the recorded conversation since the automated message states that all calls are recorded for quality purposes. The manager disclosed that I would have to subpoena the company for a copy. I am appalled that not one, but two customer service representatives would misinformed of the companies credit card policies and procedures. It feels as if they give false information to increase credit sales. I did not consent to a hard inquiry and made that very clear during the course of the conversation.
Product: Debt collection

I spoke with them XXXX they refuse to disclose who they are until I give them my social birthday and address. I let them know who I was and they would not tell me who they are. I have never received any letters regarding this company. They also hung up on me and blocked my phone number. Then called my daughter 's phone the following day. I will not disclose personal info if I don't know what it's in reference to. They have a legal obligation to tell me that before I give them information they can use to steal my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes through credit karma directly to XXXX  and XXXX  for the same matter and seems to have affected my credit score. I am currently in Chaoter 13 Bankruptcy and they are reporting I have a delinquent account for the amount of XXXX XXXX I have notified my lawyer as well. Last month my score instantly dropped from a XXXX all the way down to XXXX and other than this account I cant find any information on why this has happed to my score. I have done everything I can to get an answer or help getting this removed being that all of my debts are in with the bankruptcy. 
Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I received a {$50.00} American Express gift card as a gift XX/XX/year>. Nowhere will accept the card. I called the company and each time they read me a scripted response and hung up. I have tried over a dozen transactions and I was directed here to file a complaint. I was in the process of writing this complaint and I checked the balance through https : //balance.amexgiftcard.com/ as the card instructs. No recent transactions are listed yet on the site.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Student loan

I have two XXXX loans that are being serviced by Navient, and per their own website these are federal loans. I have been under an XXXX repayment plan since graduation but this is now the second time that I have been kicked out of the XXXX program and had my interest capitalized. I will NEVER pay my loans off at this rate. They are saying that my loans are actually private loans and that they don't qualify for the XXXX pause. They sent me one letter saying my payment was going up a month ago, and then just after that the student loan pause was extended again. And now when I log into the XXXX website, it shows those Navient loans listed and when I go in to fill out the recertification paperwork for the XXXX it says I'm not due to recertify until XXXX. 

I got screwed over once already a few years ago when they rejected my XXXX application and didn't tell me and I only find out when I see a huge charge on my bank account and find I had thousands in interest capitalize.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion refuse to remove unverified information from my credit profile. I have disputed items on my credit profile numerous times and all XXXX keep sending letter saying all items were verified. These accounts are unverifiable and should be remove immediately, they do not belong to me.
Product: Debt collection

According to my credit report this account was opened XXXX of 2023. I have never opened an account with the original creditors, therefore this collection does not belong to me. I believe I have been a victim of fraud and someone had opened an account under my name. The original creditors are listed as XXXXXXXX XXXX XXXX. I have never associated myself with this company.
Product: Credit reporting or other personal consumer reports

Transunion as of the date XX/XX/XXXX requested that I pay them XXXX to receive a copy of my credit report. While I am trying to gain access to my credit report online, I don't have access to my credit report at all. Transunion is refusing to update my credit report to match my XXXX report which is the only accurate report I have. 

This is a complete violation of the CARES Act to make me pay for my credit report and the CARES Act allows me to receive my credit report for free every 7 business days. Also, it is the responsibility of the Agency to make sure that the credit reports are updated and accurate every 45 days. My credit report has not been updated and accurate since XX/XX/XXXX. This is a complete violation of FCRA! 


I HAVE SENT MULTIPLE LETTERS TO TRANSUNION WITH MY ADDRESS, SOCIAL SECURITY NUMBER AND MY DRIVER 'S LICENSE. USE THAT INFORMATION TO VERIFY MY IDENTITY.
Product: Credit card or prepaid card

Company emailed me with no prior notice stating they closed my account without prior consent. They also stated the reason was because of a recent credit check which I also had not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is concerning the Equifax breach. I submitted my information on equifaxsecurity2017.com to determine if I was affected. The system said I was and that I should enroll in the protection program. I entered my information as requested, and was told I would receive an email link in the coming days to finalize enrollment and activate my product. I received the link a day later. Each time I try to finalize my enrollment, I receive an error message that states : System Unavailable / We are unable to process your request at this time. Please try again soon.
I have deleted by browsing history and cache, in case it is a computer or browser issue, tried again on different days of the week and at different times of the day, in case there is high traffic - approximately 8 times - with the same result. I have also called the number on their website for personalized assistance ( the phone number has since been removed from this area of the website above ) and the person with whom I spoke said he could n't help me. 

Prior to reaching out to cfpb, I called Equifax to place a fraud alert at XXXX and was unable to speak with a human. Their phone tree went in a constant loop and eventually hung up on me when I pressed zero for a representative, after pressing other numbers to also reach a representative. 

So not only have they been breached and my personal information is affected, I can not freeze my accounts in the manner in which I was told, to protect myself from imposters. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX is refusing to remove closed accounts from my credit report, Pursuant 18 usc 8, I do not owe any debt, these companies on my credit report are violating my CONSUMER RIGHT TO PRIVACY
Product: Credit reporting or other personal consumer reports

According to US 1691 c ( 1 ) without my written consent that is considered identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hi, It is about a gap of my house insurance coverage with loan from Chase Bank. 
My account # in Chase : XXXX. 

I was told by Chase in XX/XX/2021 that I need insurance for my house. Before that, I had never received any notice informing me that the insurance expiration from either Chase or the Insurance Agent XXXX. 

I immediately purchased the insurance which took effect on XX/XX/2021. Then I was told by Chase in XXXX that there is a gap between XX/XX/2021 -- XX/XX/2021 needing further insurance. 

I contacted my Insurance Agent XXXX to cover that peroid of time. But XXXX refused to cover that past days. 

My understanding is that insurance if for the coming days. But per the Chase 's notice, I will be charged {$93.00} by Chase for past days. It sounds like Chase has the power to define the past days as future and forces a weak custumer to pay for it. I contacted Chase via both online and phone call. The probles was solved. 

I felt being bullied and hope this can be solved fairly. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that your company ran an unauthorized report on me on XX/XX/2018 and XX/XX/2018. I did not authorize such an inquiry, I did not apply for credit or financing. and demand that you contact [ redit reporting agency ] immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. I will be filing on a claim in court should you willfully ignore my request.

Any applications you have received in my name is FRAUD. I did not give anyone my permission to use my personal info. Please show me the original application for credit or service bearing my actual signature, also show me any documentation giving your company permission to pull my credit file bearing my actual signature and not a computer-generated signature.

PLEASE REMOVE YOUR INQUIRIES WITHIN 10 DAYS OF THIS LETTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed in various data breaches and someone has successful opened up accounts and applied for good, services, and money without my consent. All accounts and inquiries included were unauthorized and I need them removed immediately. I'm looking to apply for a mortgage and these unauthorized accounts are ruining my reputation with the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/2023 i have noticed fraudelent accounts and inquiries on my credit report account name : XXXX XXXX XXXX XXXX XXXX XXXX open date : - date of last payment XXXX XXXX XXXX
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 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX  ACCOUNT NUMBER : XXXX, Account name : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I NEED THIS DELETED FROM MY CREDIT REPORT AS WELL AS THE HARD INQUIRIES BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 i was notified by a XXXX XXXX a loan company out of XXXX XXXX. They where calling my family members Harassing them before I was notified. I told them the account was not mine. And they still refused my claim after I filed a identy theft report and submitted all the identy theft stuff to them.They said there was payments made on the account and they said it was with a check I signed but I also had bank fraud and I told them that but they still refused so they are suing me in court on XXXX the XXXX for the amount of XXXX. And will do nothing to try and help me fix the problem other than just say it's my debt. My accounts and checks where stolen from the XXXX XXXX XXXX there was several with draws taken out and also drained our savings account.
Product: Checking or savings account

On the XXXX of XXXX I went to a pnc branch located at XXXX XXXX XXXX XXXX XXXX ga XXXX the atm ask me for a receipt and I said yes so I press deposit then after I deposited my money of {$1600.00} it was counting my money then the atm said error has occurred please contact financial institution so I enter my card again and checked my transaction and my money was not there so I called pnc they said its go take about 10 business days a couple days later they told my claim has been denied because the amount. Of money in the atm so i was thinking because on XXXX it says XXXX has been having alot of fraudulent checks going around and goin to pnc so that was a lie they told me and I contacted that branch I went to and ask have a technician came out to check the atm and I was told no so they lying to me about my money and they dont wan na give my money back.
Product: Mortgage

Today, XXXX XXXX, XXXX, we are closing on the sale of a property. The payoff balances were substantially different than what they should have been based on the last received statement. In essence, they said the previous month 's statement balance is not the payoff balance. This is at least misleading and at worst criminal. How is anyone able to follow interest calculations if the balances are not correct?
Product: Credit card or prepaid card

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018.
Product: Student loan

I have a private loan I was forced to take out during my first 2 years attending XXXX XXXX. I have had this loan for many years and my last provider was XXXX XXXX. During my time with them, I made payments ranging from $ XXXX {$85.00}. In XX/XX/XXXX my loan was transferred to Firstmark and I was told everything would stay the same ; my bills from XX/XX/XXXX until XXXX of XXXX were in the {$86.00} range which was in line with what I was paying. However now Firstmark is trying to increase my monthly bills and it is unclear why. 
I was sent a bill in XX/XX/XXXX for {$86.00} and yet charged over {$96.00} on my account. They also erroneously tried to charge me several months of late fees, which I have never been late. When I called to inquire why I was being charged more than I was billed they told me I was now in in-school status and making interest-only payments. My XXXX XXXX  was applied by them on XX/XX/XXXX coincidentally the same day they charged me a number of late fees. I explained I did not want to defer this account and would like to go back to regular payments of {$86.00}. However, I was told my payments would now be {$120.00}. 

Upon pressing the issue more I was given several reasons which did not make sense as to why my payments had increased. 
I was told, I took myself off auto pay and now was not receiving the .XXXX XXXX reduction. Yet, I was only enrolled for a week, but when I saw my account was not correct I unenrolled. So, the XXXX XXXX never applied. 

I was also told I am not being charged enough interest Additionally, I was told I chose to make a higher payment, but that was never the case. 

Clearly, something happened in the XXXX period and Firstmark is either not investigating why there is a large change to my account or just trying to get higher payments from me. It makes no sense when requesting to go back to my regular payments they would charge almost {$50.00} more and it is still unclear why my current bills is {$10.00} more than prior.
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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$220.00}
Product: Student loan

On XXXX2016 XXXX XXXX made a final attempt to have the college debt discharged. 
XXXX XXXX XXXX XX/XX/16 to XXXX Hello, I did all of the steps to discharge my loans but I'm not seeing any results. 
I have been XXXX with a XXXX XXXX and one of my options with the student loan program is to discharge if I'm with a XXXX XXXX. 
I would like someone to follow up with me and assist me with finalizing this option. 
Thanks, XXXX XXXX