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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late ClosXXXX XXXX  XXXX XXXX {$0.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed there are discrepancies in the status of the account for a balance from XX/XX/XXXX. The balance of {$6300.00} is showing closed with a {$0.00} balance on my XXXX and XXXX credit report but is showing still open when I pull my XXXX report. This debt is past 7 years old and is showing inconsistent reporting on my credit file. Please help me clear this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act.

ACCOUNT XXXX XXXX XXXX XXXX  has violated my rights XXXX XXXX XXXX XXXX XXXX  has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights. 

The next account request removed pay late. XXXX XXXX XXXX XXXX XXXX  has violated my rights y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX. In accordance with the Fair Credit Reporting act XXXX Account 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

Indigo kept on sending me mails about my missed payment instead of sending paperless notifications which I kept requesting them to do. Additionally, instead of calling me from a registered customer service number they were calling me from multiple odd numbers. Obviously due to security reasons I did not respond or provide my SSN info. 

Then they reported my missed payments to the credit bureau. I requested a courtesy removal since my account is in good standing and due to lack of communication at their end several times. They denied my request stating that since these are valid notes, they can not delete them from my credit report as per policy. As an attorney and a company investigator, I did my due diligence to find out that they have extended this courtesy to other customers and deleted information reported to the credit bureaus. 

This is absolute and blatant discrimination and such practices should not be allowed. I requested them to provide a letter in writing that they have not extended this courtesy to other customers in the year 2023 but they refused to provide the same. I will have to take this complaint to the courts and file a discrimination complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020 and on XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems has reported inaccurate information on my consumer report id number XXXX. Chex Systems also has Americans information at call centers out of America which is a violation of the Patriotic Act. Chex Systems has violated the Federal Fair Credit Reporting Act by committing Financial Deformation and providing adverse, inaccurate information.
Product: Debt collection

Ive attached the responses that Ive received from Experian. Despite allowing XXXX XXXX to put fraudulent debt on my credit report, I was informed today that if XXXX XXXX decides to put this fraudulent information BACK on my credit report, that Experian will accept the information and place the fraudulent debt BACK on my credit report and I will have to dispute this AGAIN! Then advised me to report their intentions to the FTC and CFPB and the Federal Reserve. Experian should be shut down. This company should not have access to consumers credit or be allowed to alter it in any manner they see fit. I fully intend to file a lawsuit against Experian. This is the most ridiculous practice Ive ever seen in my life. Companies should not be allowed to put fraudulent information on your credit report. They most certainly shouldnt be allowed to come back and put that information back on your credit report after youve disputed it and it has been removed. Experian must be fined and forced to shut down. The actions they are taking are whats keeping them in business.
Product: Debt collection

I never signed any paperwork with this company stating that I promised anything.
Product: Debt collection

I requested information about a debt on my credit report I have no knowledge of. The company did not send me the copy I requested of the signed credit application for this debt.
Product: Debt collection

Several fraudulent collections are reported on my credit report. I discovered it, and I contacted and sent an FTC identity theft report to the collection agencies and the credit bureaus to remove the derogatory remarks from my credit report. I have been a victim of identity theft and have informed all the credit bureaus, collections agencies, and credit card companies that these accounts are derogatory and do not belong to me. Someone used my personal information to open fraudulent charges under my name without my permission, consent, and knowledge. I have requested that the collection agencies, credit bureaus, and credit card companies send me debt validation documents regarding these fraudulent accounts, but they have not responded. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection companies are XXXX XXXX XXXX, credit card company XXXX XXXX, Jefferson Capital Syst, and the credit card company is XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block.inc ) due to inadequate customer service and unfair practice which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take time and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have cause me inconvenience and financial loss and I seek appropriate readdress for these violations.
Product: Vehicle loan or lease

CFPB Write up n accordance with the Fair Credit Reporting act 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 Cresco capital  XXXX. XXXX XXXX {$59000.00} Late payment becouse the sold me a truck with many mechanic problem and they no help me with a payment plan and now the reporting XXXX Late payment in my credit report and it is affecting me and my family life XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, ia XXXX Phone XXXX
Product: Credit reporting

I am a XXXX percent XXXX Veteran who applied for the student loan forgiveness/discharge program. I got a letter in XXXX 2011 from the XXXX, stating that my request to receive the forgiveness/discharge was approved. I later receive a letter from XXXX that the request was approved. I was refunded of the amount I paid on the student loan on XXXX XXXX, 2011. 
Months later I looked at my credit report and see that the loan was reported as being late 120 day by Equfax. Based on my understanding, under the Federal Law, a veteran who seeks federal student loan forgiveness if they receive a XXXX % XXXX rating by the Department of Veterans Affairs should not be penalized with bad credit. Since I received a discharge based on VA documentation of my XXXX, my credit report should show that I no longer owe the loan, not that it was " assigned to government '' for monitoring.
Product: Credit card

I enrolled in a payment plan for dental care with XXXX XXXX and had agreed with them to make a monthly payment of {$140.00}, including the interest for a bill of {$2500.00}. The payment plan started by XX/XX/XXXX and was suppose to end XX/XX/XXXX. I made the payments monthly and always more than the minimum amount ( {$36.00} ) required monthly. To my greatest surprise i was notified that i am still owing about {$4300.00} just for interest. I called their office and the told me i was on a promotion and that the promotion ended XX/XX/XXXX, which I was not aware of. I had finished the {$2500.00} by XX/XX/XXXX as concluded but issuing a new bill of {$4300.00} just for interest after I had paid the the outstanding balance. I find it very abusive and extremely heartless with the financial constraints and commitments i have. I will appreciate your help. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

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

A while back ( year or two ) I did a balance transfer to chase. However I just checked my statement and I see that not only am I being charged monthly interest ( Which is normal ), I am being charged a monthly balance transfer interest as well. I have never heard of this and do not remember reading about that years ago when I switched. This is been cost me XXXX  and {$36.00} a month for XXXX knows how long. If it was in there was probably hit in the mound of mice type that you cant see. I would like this fee taken off and a refund For the money theyve taken each month from Me for this bogus fee. My wife has done many balance transfers and is never receive a monthly balance transfer fee. I couldnt even find something like that on the Internet when I just tried to find it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit and pre-qualification due to a fraud alert on my credit profile that does not contain any contact information. My phone number XXXX should have been added so that creditors can contact me to verify my identity and application. Every time i try to submit a request to XXXX, Transunion or XXXX online, I can not seem to be successful as each one causes an error.
Product: Credit reporting or other personal consumer reports

( See attached for full complaint : ) Dear CFPB, I am writing to formally express my concern regarding Equifaxs persistent use of stall tactics in response to disputes and requests for resolution. Despite the obligations set forth under the Fair Credit Reporting Act ( FCRA ), Equifax has repeatedly delayed the process by failing to provide timely responses, inadequate communication, and prolonging investigations beyond reasonable timeframes. 

These delays are particularly troubling given the severe impact that unresolved credit disputes can have on consumers financial health, including higher interest rates, loan denials, and diminished access to essential financial products. Equifaxs stall tactics not only hinder the dispute resolution process but also erode trust in the credit reporting system as a whole. 

I respectfully urge the CFPB to thoroughly investigate Equifaxs practices in this regard and take appropriate enforcement action to ensure that Equifax complies with its legal obligations to provide timely, accurate, and transparent responses to consumer disputes. Consumers deserve swift and fair resolutions to any discrepancies in their credit reports, and these tactics should not be allowed to continue. 

I Have recently submitted a complaint reference # XXXX and Equifax responded with a stall tactic. I have included two copies of identification to prevent this again. 

Thank you for your attention to this urgent matter. 

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

I never gave my written consent to pull my credit from the list provided blow. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

i sent SLOAN/NELNET SERVICES and XXXX XXXX a letter on XXXX stating they are reporting and publishing inaccurate or incomplete information ( tradeline ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss of opportunity. My data has been comprised in a data breach because you have shared my nonpublic personal information with third-party agencies without my consent violating 15 USC 6801 . 

Your job was to : ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Since you violated 15 USC 6801 and cause my data to be compromised, I am requesting the following items to be delete from my consumer report from all three CRAs ( XXXX, XXXX, and XXXX ) within 15 days or I will turn this matter over to my attorney to sue for damages : SLOAN/NELNET SERVICES XXXX XXXX ( {$290.00} ) SLOAN/NELNET SERVICES XXXX XXXX ( {$240.00} ) SLOAN/NELNET SERVICES XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves all 3 bureaus ( XXXX, XXXX, and Transunion ) as well as the furnisher of inaccurate information ( XXXX XXXX XXXX  ) On numerous occasions, I have filed disputes with all 3 bureaus listed regarding the inaccurate reporting of an account that is not mine. 

XXXX XXXX XXXX  XXXX I have asked for this account to be removed, yet it was inaccurately verified as accurate on all occasions and remains on all 3 reports.

It is not possible for any of the 3 bureaus to report this account accurately when each one has reported discrepancies with the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Status, and last Payment. I will attach proof of these reporting discrepancies. This alone is grounds for removal I must also point out that my rights are being violated under 15 U.S.C. 1681 section 604 A Section 2 : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions. 

I have not given written permission to XXXX, Transunion, or XXXX ( consumer reporting agencies by definition ) to report this inaccurate account.
Product: Student loan

I am a co-signer on this loan with Navient. The original amount of the loan taken out on XX/XX/XXXX was {$11000.00} and payments begain being paid to Sallie Mae XX/XX/XXXX. We did run into financial trouble and had to declare bankruptcy and we were told we couldn't include student loans and the loan was transfered to Navient XX/XX/XXXX with a balance of {$18000.00}. 

We were always offered forebearance and did not know of any income based repayments but were offered rate reductions twice. Payments have been made pretty steadily since XXXX. I have sent Navient almost {$17000.00} since XXXX and my current balance is still {$15000.00} owed. 
I have just noticed that most all of my payments since XX/XX/XXXX are going to interest only. During this time period I have sent them {$3000.00} and only {$740.00} has gone to principle. 
I don't know how long they haven't required payments but I have sent money each month thinking I was paying down the loan.
Product: Money transfer, virtual currency, or money service

I was involved in a romance scam back in 2019 and met scammer via XXXX. Lost over XXXX using XXXX and cash app. I sent proof and supporting documents to XXXX and cash app through states attorney general and XXXX gave me my money back but cash app kept on giving me the run around and kept on telling me my bank was the one to talk to not them. Cash app refuses to give anyone back their money even if they send proof and will never refund anyone their money back which is a lying option they give you. They already push the money through by the time they get back to you.
Product: Credit card or prepaid card

i noticed on my credit report that the account was closed recently. i called them, they stated that i called called them XX/XX/XXXX .. and asked them to close my account.. 

the problem is, i never called them to close my account. i am a victim of identity theft lowes rep stated that i called them to close the account.. i did not call. 

i never received a letter, or an email stating my account was closed. the person that called that day is not me. i did not call XXXX to cancel my account, that was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax engaged in lax security practices and, as a result, my credit information was revealed to hackers. Now I need to take highly inconvenient protective steps to safeguard my security. This is an unnecessary distraction and highly troubling, particularly as I am seeking credit now for the purchase of a primary residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is closed and charged off and needs to be removed from my credit report. 
I am still making payments on the account and I still have possession of the vehicle. Santander Consumer USA is reporting false information that is negatively affecting my credit score tremendously.
Product: Debt collection

I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. 

15USC 1692c law states : If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication.
Product: Bank account or service

key bank is claiming that at XXXX time I owed them money so they wont let me open an account. 2 years ago I spoke with someone at key and they informed me that i do n't owe them any money, but a account from XXXX which is no longer in my area or the united stated, was acquired by key bank when they purchased the branches. I never owed money too XXXX, they refuse to work with, give me information on the incident or remove it from their files
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY SOCIAL SECURITY NUMBER TO APPLY FOR SEVERAL FRAUDULENT ACCOUNTS THAT I DID NOT GIVE PERMISSION TO THEY STOLE MY INFORMATION ANF OPEN FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Student loan

I have a federal loan with AES that I had perfect payment history on until they randomly locked me out of my account and were unable to resolve the issue so I began mailing in payments as opposed to sending them in electronically. I submitted numerous payments I have documented that actually put my loan account ahead of by overpaying every few months. At some point AES claimed I was 60 days behind on payments and put a delenquent mark on my credit report without notifying me. I have since resolved the issue and disputed the delenquent mark on my credit report, which caused my credit score to drop 100 points overnight, with AES however they just said No its a federal loan they cant do anything. I am currently in the process of getting a mortgage loan and the delenquent mark on my credit report is costing me getting a good loan rate. If you look into any credit Ive ever been extended you will find I have never been late on payments for anything. I feel there is something that should be some courtesy extended given my payments history as well as the circumstances in which an error was made on the part of the lender.
Product: Debt collection

An individual in Tennessee opened an account under my name with Spectrum I received a collection notice from Southwest Credit XXXX XXXX XXXX XXXX XXXX. I spoke to XXXX  about this speaking to a rep named XXXX, I asked XXXX why XXXX does not verify a consumers ID by running a credit report through XXXX of the reporting agencies. To my surprise XXXX stated that XXXX does not even ask for a persons SS number when they apply for credit which I found odd because apparently this fraudulent debt is tied to mine. I think its appalling that a company does not perform their due diligence when handing out credit, had XXXX  checked with just ONE reporting agency they would have immediately discovered that all my files are FROZEN and that I am a victim of ID THEFT. I have a consumer statement on ALL reporting agencies XXXX XXXX, XXXX, XXXX which states that I am a victim of ID THEFT and that my SS # has been compromised, it also states that NO CREDITOR is to issue credit to any individual unless they verify their IDENTITY by emailing me, calling me or via mail these instructions were not followed and now they want me the consumer to unravel their mess. XXXX should have never issued credit under my name with out verification. Also I live in NJ  why would I apply for Spectrum in Tennessee?
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balanced {$5500.00} XXXX XXXX  XXXX Balanced {$0.00}