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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I am writing to dispute certain items on my credit report that I believe have been reported unlawfully and may be in violation of federal law, specifically 18 USC 894.

Upon reviewing my credit report, I have identified the collection. These items appear to be associated with attempts to collect or punish me for non-repayment of credit in a manner that may be considered extortionate.

Under 18 USC 894, it is unlawful for any entity to knowingly participate in the use of extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonrepayment thereof. I believe that the reporting of these items on my credit report may constitute a violation of this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took mortgage forbearance in accordance with the CARES act beginning in XXXX of XXXX with American Pacific Mortgage. The account was in forbearance until they sold the loan to XXXX XXXX  in XXXX of XXXX. Mine and my wife 's credit report now show a 120 day delinquency from American Pacific Mortgage even though our account with them is closed. 

I have called and emailed American Pacific Mortgage about the issue and they say that the account was in forbearance and that they never reported the account as delinquent but my credit score and report show otherwise so I am now unable to get another mortgage.
Product: Mortgage

I have tried to work with my mortgage company to get a modification and a forbearance to save my home they have taking resent payments that i was told to pay by FHA then they stopped letting me pay the payments. I did a modification application witch they said I was approved for to get a letter telling me that i am not approved I was effected by covid 19 and have explained that to them. I do believe that i am being discriminated because of my XXXX and that is why I'm not getting a fair chance to keep my home I had paid 4 back to back payments before they stopped taking my payments in the amount of XXXX for XXXX XXXX XXXX and 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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XX/XX/XXXX -- {$0.00} U.S. Bankruptcy Court # XXXXXXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I decided to refinance my auto loan via where I have my checking and savings accounts. 
Per the request of my banking institution I requested a " Ten Day Payout '' document from the auto loan company. I received by email said document and forwarded on to my bank. My bank in turn sent a check to the loan company for an amount greater than the tenth day of the payout which was received and promptly processed and credited to my loan. 

HOWEVER, instead of applying the payment as a " payout '' it was applied as forty-five ( 45 ) payments, with my next payment due in XX/XX/2025. 

I have brought this error to their attention, and a supervisor with whom I spoke opened a " case '' to investigate. I heard nothing back from the supervisor as promised. 

Not receiving a response I sent letters describing my situation to various departments and Chief company Officers.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I told them that I've sent letters to the 3 bureaus about the 1 debt collection agency ( dipute ) 2nd week later I informed them on their web page they suggested you only send documents that the dept of education XXXX was handling my student loans that was paid for in 2007 that's showing as late fees currently was sending letters to the 3 bureaus and I have no need for their services. After paying XXXX advance 2days later XXXX charges was told that fee will be a monthly payment now I'm in a contract have to buy my way out but can stop services at anytime
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called to fix this problem they send me to several department this account is sold to someone and I ask to be removed off my credit report immediately not my debit anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/2023 Unknown Hard Inquiry placed on my Equifax credit file from XXXX XXXX/XXXX/2023 Unknown Hard Inquiry placed on my Equifax credit from XXXX Neither of these hard inquiries are ones that Ive authorized or even have any knowledge of. I have submitted disputes on both of these 4 times each to Equifax. They are not even looking at them and only using an automated system which is NOT checking the validity of these Hard Inquiries nor are they reaching out to the source to verify as the dispute cases are being automatically closed within a few hours. Within their dispute results they do not provide ANY type of documented proof or source of the reason the company drew a hard inquiry on my credit. I have no clue where or why these were placed on my credit and have yet to be provided with any factual information. 

The ONLY hard inquiries that I authorized in XXXX were for my auto loan for my truck and thats it. 

I am not sure if Im a victim of credit fraud or what but Ive placed a freeze on credit with all XXXX credit bureaus. I really need this looked into by an actual person to help resolve. 

Disputes Submitted to Equifax : XXXX/XXXX/2023 XX/XX/2023 XXXX/XXXX/2023 XXXX/XXXX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation into Experian 's Reporting Practices Dear CFPB, I am writing to formally request your assistance regarding a violation of the Fair Credit Reporting Act by Experian. I believe that Experian has not adhered to the obligations set forth in 15 U.S. Code 1681, particularly concerning the accuracy and fairness of credit reporting. 

I have noticed that my account ( XXXX XXXXXXXXXXXX ) related to my XXXXXXXX XXXX XXXX, which was reported in XX/XX/year>, was deleted from my credit report by Experian on XX/XX/year>. This action has adversely affected my credit history and overall credit score, undermining my financial standing.

The Congressional findings highlight the importance of accurate and fair credit reporting, emphasizing how inaccuracies can impair the efficiency of the banking system and erode public confidence. As a consumer, I rely on accurate credit reporting for fair access to credit, and the deletion of my account has hindered that access. 

I am uploading a copy of my XXXXXXXX XXXX XXXX XXXX credit report for your review. I kindly request that you investigate this matter and facilitate the re-instatement of my account on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,
Product: Credit card or prepaid card

I have been a customer of Chevron ( who's credit card is handled by Synchrony Bank XXXX since XXXX and always paid my bill in full each month. However, on XX/XX/XXXX I transposed the numbers and should have paid {$580.00} but actually paid {$580.00} which is a XXXX difference which they charged me {$5.00} interest. They say this is how they calculate interest at 29.24 % APR but they can charge the public on all purchases that month not just the XXXX I left off. On the back of the bill they can calculate the interest by their Method 20 or Method 2M. A lot of consumers are getting ripped off if a XXXX cent error is charged {$5.00}. How they can charge interest on all the purchases during the month and more than the XXXX is beyond me when I paid the entire bill except for this amount when I transposed the numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the credit reporting act : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as violated my rights. 
15 U. S. C 1681 section 602 A. State that I have to write to privacy.

15 U. S. C. 1681 section 604A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are redlining my credit profile. These Bureaus are at fault for reporting account information multiple times. 
In XX/XX/2021 I closed 3 account on my profile. XXXX, XXXX XXXX and XXXX. All of these accounts reported on the date that they were supposed to report in XX/XX/2021. The credit Bureaus all increased my score across the board. On XX/XX/2021 XXXX sent an alert that my score had gone up from XXXX to XXXX because an account removed a delinquency from my report. XX/XX/2021 Equifax updated my score by XXXX points from XXXX. On XX/XX/2021 Equifax sent an alert that a high utilization had decreased and my score had went from XXXX to XXXX. On XXXX XXXX XXXX reported that my score had went from XXXX to XXXX because a collection account was removed from my profile. On the same day Equifax lowered my score from XXXX XXXX XXXX.Equifax did not provide a reason for the change. On XXXX XXXX XXXX sent an alert that the balance on my bank card has DECREASED causing my score to drop from XXXX to XXXX. The same day XXXX sent an alert that the balance on one of my accounts decreased by {$85.00} causing my score to increase 55 points to XXXX. On XX/XX/2021 an alert from Equifax that my score had decreased from XXXX to XXXX. On the same day XXXX sent an alert that my score had dropped from XXXX to XXXX. On XX/XX/2021 Equifax sent an alert that my score had dropped from XXXX to XXXX. No explanation was given. On XX/XX/2021 Equifax sent an alert that my score had went from XXXX to XXXX without any explanation. On the same date XXXX sent an alert that my score had dropped from XXXX to XXXX no explanation was given. On XX/XX/2021 XXXX sent an alert that my score had decreased from XXXX to XXXX no explanation was given. On XX/XX/2021 Equifax reported that XXXX XXXX had reported that my account was closed and in good standing. Equifax lowered my score from XXXX to XXXX. On XX/XX/2021 XXXX reported that an account balance had increased by {$75.00} which caused a change in points from XXXX to XXXX. On XX/XX/2021 XXXX sent an alert that an account on my profile had been updated as ( Paid Loan ) from XXXX. XXXX is not a loan it is a line of credit. XXXX lowed my score by 20 points from XXXX to XXXX. On XX/XX/2021 Equifax sent an alert that XXXX had updated my account as closed and paid as agreed dropping my score from XXXX to XXXX. On XX/XX/2021 XXXX sent an alert that my score had dropped from XXXX to XXXX because XXXX reported that the account was closed at my request. These Bureaus are REDLINING my credit! I have no collections or bankruptcies. I have reached out to each bureau to get a reasonable explanation as to the dramatic drop in points in the course of 2 weeks. No explanation was given. I am filing this complaint because there is no official way to complain directly through the bureaus. I am requesting that a formal investigation be preformed.
Product: Debt collection

I have previously submitted a complaint with you regarding this company for the same reasons, and it was effective until recently. XXXXXXXX XXXX contacts me, my husband, my parents, and my in laws multiple times per day. When visiting my parents yesterday they were calling their house, and they explained to me that it was the fourth time today XXXX was calling to ask for me. My parents have told them multiple times that I do not live there, and can not be reached there so please stop calling. With my last complaint this was all specified and they agreed to stop. They have not. So far today they have called my phone twice, as well as my husbands. If I were to call my parents Im certain they will have called them as well. Something needs to be done because they obviously dont have consequences when they are reported or else they would stop harassing me and my entire family.
Product: Credit reporting or other personal consumer reports

I am writing in response to XXXX letter dated XX/XX/XXXXXXXX XXXX regarding my CFPB Complaint ID No. XXXX. Thank you for acknowledging my concerns ; however, the explanation does not address my primary issue of misleading credit reporting claims. 

When I applied for my loan on or around XX/XX/XXXX XXXX XXXX XXXX FAQ and website content led me to believe that the company reports loan activity to more than one of the major credit bureausnamely XXXX, Equifax, and XXXX. Specifically : Website Language : The FAQ sections identify XXXX, Equifax, and XXXX as credit bureaus, stating that XXXX reports data about customers to credit bureaus, with no mention of specialty bureaus ( such as XXXX XXXX XXXX ). 
My Reasonable Assumption : Because of this phrasing, I understood that payment history would be provided to at least two of the three standard national bureaus. One of my main goals was to build or improve my credit profile across multiple mainstream credit reports. 
Actual Reporting : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX letter confirms that the company only reports to XXXXXXXX XXXX XXXX XXXXXXXX. Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) are specialty bureaus rather than traditional ones, the loan I repaid in full on XX/XX/XXXX, only appears on XXXXleaving Equifax and XXXX profiles unaffected. 

Because the FAQ makes no reference to XXXX or XXXX, borrowers could reasonably believe credit bureaus means Equifax, XXXX, and XXXX. I would not have chosen this loan had I known it would not be reported to Equifax and XXXX.
Product: Credit card or prepaid card

My Chase Freedom credit card was charged in the amount of {$1700.00} from XXXX XXXX XXXX XX/XX/XXXX. 
I never approved or used my Chase Freedom credit card to be used on XX/XX/XXXX. 

This charge started out in the amount of {$330.00} on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Rental Record # XXXX economybookings that was charged to my XXXX bank card that I used. 
XXXX bank resolved this matter after investigating and ruling in my favor, to later find out that this same charge was transfered to my Chase Freedom card with accumulated interest totaling {$1700.00}. 

I have been trying to resolve this matter since XXXX XXXX when it first appeared on my statement. 
Chase have sent me a about 2 letters regarding this dispute not being resolved, and i have twice sent the documents Chase have asked me for. 
This is dispute have gone on too long, and I would have like to put this behind me in the beginning of XXXX.
Product: Debt collection

I am not liable for debt with XXXX, I did not sign contract with credence resource management. They did not provide me with contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous complaints were delayed, ignored and not addressed by XXXX XXXX. I received a call today and they wanted financial documents ( application and denial letter ) from another mortgage company. These documents are not needed. The criminal sales practices by XXXX XXXX Mortgage are the issues here.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a letter from Barclay Card US on XX/XX/year> that they closed my account due to inactivity and I have 90 days to use my points that left. 
I called them on XX/XX/year>. Asked how they could close my account without my knowledge or permission. They stated they sent me a letter bank in XXXX letting me know if I do not use the card they will automatically close my account. I explained to them that I did not receive any notification and I also explained to them that it wont be in my favor to ignore such letter, because this is my first credit card and closing it will effect my exceptional credit history. They stated they can not do anything to me and the best they can do is to apply for a new one. I explained that this was not in the terms and I never made aware of such action. Never knew that I could lose the account if I do not use it. I also explained to them the points worth {$12.00} and they are under the amount that is available to redeem and I will lose them in this case. They stated they can not do anything for my points.
Product: Credit reporting, credit repair services, or other personal consumer reports

*THIS IS NOT MY ACCOUNT *I DID NOT AUTHORIZE ANYONE TO USE MY NAME TO OPEN THIS ACCOUNT I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was denied a per-approval because of inaccuracy on or about XXXX. 
Between XXXX and XXXX, I requested copies of my credit report and noticed an inaccurate collection from Prince Parker and Associates in service with an XXXX XXXX XXXX collection of {$950.00}. 

On XX/XX/XXXX, the following letter and Certified Mail Receipt XXXX was mailed in response to challenge the validity and requested physical copies and any bearing of my signature. 

To date, XXXX XXXX and XXXX have refused to update this inaccuracy with the credit agencies and haven't provided me any evidence set fort the details of my letters to them. 


On XX/XX/XXXX an official sworn police report was filed with Summit Police Dept XXXX XXXX XXXX XXXX XXXX IL XXXX *Incident # XXXX for Fraud/Identify Theft On or about XX/XX/XXXX a second Dispute with Police report attached was sent to credit bureaus such as XXXX USPS Certified Mail Receipt XXXX On or about XX/XX/XXXX a regular letter was sent to Prince Parker with the additional evidence for Fraud/identify theft and REQUESTING AGAIN for proof of physical documents bearing my signature and validation of documents or service obtained.

Today, I will be sending a 3rd request to Prince Parker and Associates to correct and remove this collection and that all credit bureaus are updated on this inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 ) on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Student loan

I was told numerous times by many different representatives I have 12 months of forbearance for my loans. I took a few months of it and then I needed to extend it for the remainder of the 12 months. I paid {$150.00} to make my loans current and then they would extend my forbearance. A month later they told me they wo n't approve my extra time that I was told previously would be. So now I have  two  sets of payments past due. Sallie Mae has never been straight forward with me and I get all these different answers. They refuse to hear me out on why I want my forbearance.
Product: Debt collection

I sent a Certified letter to : ALLIED COLLECTION SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Tracking # : XXXX Your item was delivered to the front desk, reception area, or mail room at XXXX XXXX on XX/XX/2019 in XXXX XXXX, NV XXXX. 

This company claims I owe them but they have not provided proof of this to me and have not responded to my letter in the 30 day period they are required to do so. They keep increasing the amount they are trying to collect every month