23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sunrise credit services XXXX XXXX XXXX XXXX XXXX new york XXXX is committing illegal fraudulent activity against a XXXX XXXX XXXX veteran and I demand immediate action by the cfpb and new York and florida attorney generals offices. 
sunrise credit services in cooperation with XXXX XXXX illegally and unethically placed a false fraudulent item on my credit report for money i DO NOT owe and have never owed. they did this illegally and unethical I AM A XXXX VETERAN AND DO NOT OWE XXXX OR THIS DIRTY EVIL SATANIC SUNRISE COLLECTION ANY MONEY! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY!! I HAVE REPORTED XXXX AND THE CREDIT BUREAUS TO THE BETTER BUSINESS BUREAU THE FLORIDA AND NY ATTORNEY GENERALS OFFICES AND THE FCC FOR FRAUD AND ILLEGAL ACTIVITY!! REMOVE THIS DAMNED COLLECTION ACCOUNT IMMEDIATELY OFF ALL THREE CREDIT BUREAUS OR I WILL SUE XXXX AND SUNRISE FOR CAUSING ME PAIN SUFFERING AND EMOTIONAL DISTRESS AND RUINING MY CREDIT!! I HAVE FIELD COMPLAINTS WITH LAW ENFORCEMENT AGAINST SUNRISE CREDIT SERVICES AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that are 2 years old are still on my credit report and need to come off. I am trying to purchase a home and this is hurting my ability. I know they are 2 years old but my loan officer wants them completely deleted. I need them off, please. There are 4 that will be 2 years old XXXX and XXXX INQUIRY that should be off there now.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

so I have a Paypal credit account with account no. XXXX XXXX XXXX XXXX that is in fact my account because I recently paid off this account balance with I refinanced my home the balance was paid in full on XX/XX/XXXX 2021 with a a check from XXXX, with check number XXXX, The problem is that I received a statement from Paypal credit on XXXX XXXX,2021 with a new account number of XXXX XXXX XXXX XXXX with a statement balance of {$900.00} with my name and address the complaint is with this account I have never opened another account after paying off all the debt with my refinance, so I do believe I'm a victim of fraud in this account, I've contacted the Paypal credit services about this account and they keep hanging up on me so i really don't know what to do about this account and I already filed a dispute with XXXX  about this account and it has made a negative and delinquent on my credit
Product: Credit reporting or other personal consumer reports

Experian, Equifax, and Transunion have failed to fulfill its legal obligation obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax, and Transunion have neither corrected or removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax, and Transunion 's inaction violates federal law and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC section 602 states i have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan a late for any purpose
Product: Payday loan, title loan, or personal loan

I want to start by saying that I DID NOT open any account with this company called XXXX XXXX. 

I was checking my credit score on XX/XX/XXXX and I noticed there was a inquiry from a bank/company called XXXX XXXX. I called them and the customer service representative advise me to contact their fraud department. I contacted their fraud department and there was a recording stating that if I was calling to report identity theft I was supposed to create a report with the FTC ( Federal Trade Commission ) and send it to them. I filed the dispute through FTC.gov and also made a police report because this was the second time somebody used my information to get a loan. I sent the FTC report along with the police report. They reached back stating they needed the a screenshot of the confirmation email where it showed I filed the FTC report, which did not make sense because I had already sent them the report. I had deleted that email as I thought it was not important since I had the actual report so they had me filed another one complaint to the FTC and send them the screenshot of email confirmation.

After two weeks of all this hassle they send me and email stating that they did not found any fraud. I of course called the next day asking why they had determined this and XXXX from the fraud department told that they had found that all mi information matched and that is why they decided that is was not fraud. I found this totally incoherent because that is the same reason that I filed the dispute, of course the information is going to match that is why I am contacting you in the first place to report that it is fraud because I DID NOT open that account. Furthermore, the company is basically telling me that I lied on the police report and the FTC report I submitted which, to my knowledge, is a federal crime. 

I proceeded asking him where the funds of the loan where transferred and he informed me that it was transfer to a XXXX XXXX XXXX ( XXXX, I believe ) in XXXX, Florida. I told him that was even worse because I have never lived in XXXX nor I have family there. He then told me that basically there is nothing they can do and I just find impossible that they are not accepting my despite even after filing a police report and a complaint with the FTC which was notarized, of course.
Product: Debt collection

All three bureaus deleted XXXX XXXX from my credit report at the end of XXXX. Within the next week of deletion XXXX XXXX XXXX appears on my credit report. There were no notification from this company that they were collecting any debt as a third party or anything. I requested a debt verification and a cease from collecting until the requested debt verification is verified by me. I do n't know if this company is licensed to collect debt. This company has not contacted or called me at all regarding this account.
Product: Credit reporting or other personal consumer reports

I did not consent, nor benefit from, or authorize any of the following Accounts : XXXX. XXXX XXXX XXXX XXXX report furnished by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - report furnished by Experian. XXXX. XXXX XXXX XXXX XXXX - report furnished by XXXX. XXXX. XXXX XXXX XXXX XXXX - report furnished by XXXX XXXX XXXX. Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me.
Product: Credit reporting

Problems with Equifax still reporting a 7 years old ch XXXX Bankruptcy : XXXX and XXXX have deleted the item but Equifax continues toconfirm and renew reporting on this stale credit report Item. ( Twice ) It was only ever filed once. 
Federal law says it can be removed but Equifax continues to maintain reporting. 
I have disputed repeatedly but item only shows on Equifax and they will not cooperate. As of the latest dispute this is their response : We have reviewed the bankruptcy information. XXXX The results are : We have verified that this publicrecord item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : We have verified that this publicrecord item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX responded with the following - outlining regulations regarding fair credit reporting regarding 7+ year old Bankruptcys ( ch XXXX ) I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. 
Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated forten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcyabout dismissals or filings. The law clearly states from " date of adjudication '' or date of " order ofrelief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filedmay never have actually been adjudicated. Therefore, you have no right to maintain information whichthe government has deemed nonexistent. 
You are reporting this Item twice when it only existed once. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my creditreport and send me an updated copy when this action is completed. 
Consumers have the right to pursue litigation against reporting agencies and collect damages forviolating the FCRA. 
I would like this removed- deleted from my Equifax report immediately. 
Thanks XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

This account is showing charged off and I never received a 1099-C from the company
Product: Payday loan, title loan, or personal loan

Since XXXX of 2019, we have been struggling to deal with Omni Financial. My husband is XXXX XXXX military and after learning about the Service Members Civil Relief act and the Military Lending act, we realized that our experience with them has been unlawful. Unfortunately, we were taken victim by them several times. Seven in fact, because we simply couldn't pay our bills. Our interest rate has always been at 36 % with them. Which should have obviously sent a red flag from the start. Not only because 36 % is astronomical, but because it is the exact limit that they can charge my husband. Each time we applied, they told us that we had to set up direct deposit from my husband 's check. At the time, I didn't realize that was a violation under the MLA. I have tried several times to contact them regarding my concerns, however it's obvious that I'm being blatantly ignored. The last request was ignored for an entire month until I had time to sit down and call several times in a day. Still I was told that I would receive a response, and nothing. This morning she actually got back to me and tried using the term " obligation '' as a loophole in the law. She explained that there were no goods or services involved in our loan, so therefor, she didn't have to entertain my request. In addition to all of this, my husband 's home of record is Ohio. Ohio is a key provision state that protects debt acquired during XXXX XXXX as well as prior to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX BANK 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 card

On XXXX XXXX, 2016 my ex-wife used my daughter 's Amazon account that had my credit card attached to it to purchase shoes. A short while after receiving the shoes she returned them to the Amazon Marketplace vendor upon which they issued a refund. We have obtained emails from Amazon Marketplace that confirm both the receipt of the returned shoes and the refund. However, to this day Chase/XXXX are declining to issue the refund to my account. They keep claiming that I need to provide proof of return which I have done multiple times by sending them the email from Amazon. I have had a number of phone calls, emails and as last step XXXX fax with Chase about this issue since late last year. However, the issue remains unsettled.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been been past 30 days and Experian has failed to verify the incorrect information of the account XXXX XXXX XXXX XXXX. By law after 30 days you must legally remove this account per FCRA. In addition to not receiving any type of letter or email from Experian theyre reporting inaccurate and unjust information. The reason Im asking for this account to be taken off my credit report also includes Them reporting a passed due balance of XXXX dollars that has been paid in full and different dates when the account was open and last active. I have certified mail XX/XX/XXXX and XX/XX/XXXX they have not responded to either of them which has now placed the account dispute 30 days passed which legal they must remove this account from my credit file and have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with Equifax. I have also sent a copy of this letter from the creditor showing that they should be removed from my credit bureau. Equifax is the only one that has not complied with the request on the letter. I demand that this be removed immediately.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS sent me a bill for over {$2700.00}, They said the bill was XXXX. I told them I never had a credit limit close to {$1000.00}. I have repeatedly asked for a printout of charges. They only sent me a bill. Never have they sent me a list of the charges they claim I incurred. Case # XXXX
Product: Credit reporting or other personal consumer reports

i have discovered a fraudulent account on my report from XXXX XXXX XXXX I with the account number XXXX, opened on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several reports from the police department and notarized letters from the XX/XX/XXXX Court House have been submitted to all 3 credit bureaus to remove Fraudulent accounts that were opened. 

I have proven that based upon section 609 that it requires the companies to provide a contract bearing my signature and no such documents have been produced. I have sent in over 8 requests for deletion of these fraudulent accounts from my credit file. 

XX/XX/XXXX has successfully removed the negative items listed. 
I am awaiting the HARD inquires to be removed as a result of the fraudulent activity. 

Additionally, the credit bureaus have failed to provide accurate information within 30 business days starting from XX/XX/2020. According to the FDCPA and HIPAA collection laws the requested deletion must be honored and adhered to by law. Failure to do so has caused me financial harm and is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

I currently have $ XXXX in private student loan debt initially with XXXX XXXX and since has changed to Navient. The payment asked was {$1400.00} and change per month. 
Through various attempts and requests for programs to make my payment something manageable, I was awarded two back to back rate reduction plans that brought my interest rates to 3 % ( but only on XXXX of the XXXX loans ). The payment was reduced to {$710.00} a month. 
This amount was barely manageable, but I made it work to keep my credit in good standing. I contacted Navient at the end of the most recent program enrollment ( scheduled to end XX/XX/2017 ) and was told my payment on the same XXXX loans if we did nothing would be {$1200.00}, which is clearly far more than I had been paying and again not feasible. The best payment offered was {$840.00}. This amount is still a large stretch for me. After going through all the financials the representative even asked how I pay my bills since my expense to income ratio was negative. If that is the case how can I afford {$840.00}? 
My " normal '' interest rate is 10.25 % on some of these loans, 10.25 %. That seems excessive and far above the current interest rates. At that kind of rate, paying off my loans in my lifetime is not possible. There has to be something that can be done in the private loan sector to alleviate this kind of pain. I do not disagree I owe back the {$70000.00} I borrowed, but at what cost? Owing over {$100000.00} in just interest alone is crazy. 10.25 % is predatory by all accounts of the word.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my identifiying crucial information was stolen. Im now at serious risk of identity theft because of equifaxes negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are listed below : XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
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 XXXX and Equifax Credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$27000.00}
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$240.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$240.00} Highest balance - Terms XXXX  Months On record until XX/XX/XXXX 2028