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

I reached out to Experian via mail sent out on XXXX. I followed up with a complaint in the CFPB on XX/XX/XXXX. In my complaint, which will also be attached to this complaint, I asked Experian to open an investigation into account XXXX on XX/XX/XXXX in my complaint I asked them to verify this account because I reached an agreement with XXXX where they agreed back on XX/XX/XXXX we agreed that If I make a lump sum payment, XXXX XXXX  Bank would remove all negative information from my credit file associated with the debt. I kept my end of our agreement and paid the complete {$2400.00} hoping that XXXX XXXX XXXX would do the same. However, I obtained a copy of my Credit report and as of Today XX/XX/XXXX XXXX XXXX XXXX is still reporting negative information regarding this account. According to the FDCPA has a strict list of laws that Debt Collection agencies must follow and XXXX violated the law by misleading me and continuing to report information that they agreed would be removed. To make matters worse I also went to the CFPB regarding the XXXX XXXX account where they neglected to address my complaint. This is a clear factor that XXXX XXXX  not only violated the law by breaking Section 808 ( 1 ) but they also continue to submit information to the Bureau that is INACCURATE and goes against the FDCPA. The Bureaus have a duty to ensure that consumers have a credit report that is 100 % accurate. This is my second Formal complaint to the Bureaus regarding this account. It is against the Law to report information that is knowingly inaccurate. This account should NOT be on my credit report and needs to be deleted IMMEDIATELY. I have also included the copy of my CFPB complaint sent directly to XXXX XXXX regarding this account as means to prove that any and all negative information regarding XXXX  I still appreciate Experian 's swiftness in responding. However the FCRA allows companies 30days for a investigation into an account. We have lost several days for Experian to investigate a account that is legally NOT allowed on my credit report. I expect them to expedite their investigation and remove this account from credit profile!
Product: Credit reporting or other personal consumer reports

I received an alert XX/XX/24 from XXXX XXXX XXXX XXXX who holds my home mortgage loan and credit card regarding a hard inquiry of my credit score initiated by Bank of America on XX/XX/24. I called XXXX on XX/XX/24 and they notified me that a Bank of America credit card application was made. I called Bank of America on XX/XX/24 and was told that it was a XXXX XXXX XXXX XXXX Credit Card that was opened with an allotted balance of {$5000.00}. Bank of America informed me that the credit card application was made using my maiden name. I requested a copy of the credit card application on XX/XX/24 and Bank of America said it will be mailed to me after I submit Identity documentation and sign an affidavit and they were unable to tell me the email used and unable to mail me a copy of the credit card application.
Product: Consumer Loan

Besides the HORRIBLE customer service. I was lied to. I spoke with a rep from Ally on XXXX who took a payment from me in the amount of {$740.00}. She informed me that the amount would cover my past due amount for XXXX XXXX payment along with the late fees assessed in the account. Since she could not take the payment via her system for a future dated payment, she informed me that I would need to go online to schedule the payment for the XXXX and provide her with the confirmation number. I did. I also doubled checked to make sure that this amount that was being paid was going to bring my account completely current along with no more late fees. She said YES. She said you will be completely current however I would be due for XXXX payment just in a few days on XXXX. She asked about hat payment and I advised her that I would be able to make it at the end of this month. She told me that as long as I paid by the end of the month, that I will be ok and not accessed a late fee. I receive a collections call on XXXX stating that I am past due a payment for XXXX and that my late fees were over {$500.00}. I did n't understand why I even still had late fees after I made the payment of {$740.00}. She explained to me that the payment posted to my principle balance and not to any of the late fees. I told her that had to be a mistake bc the rep told me AND online told me that my payment with late fees was {$740.00}. She told me that she was going to open up a research request and that someone would call me within 24-48 hours. No one ever called. So today, XXXX I called back to get a status update and the young lady told me that the research had been done and that there was no extra payment made. My payments are {$470.00} every month. She then went to tell me that the remaining was applied to my returned payments from XXXX and XXXX!? Although those payments were returned, they were made up! I made the payments for the month of XXXX and XXXX! Something is n't adding up. Ally could n't verbally explain to me what was going on so they just indicated to me they will send me a copy of the billing history. I do n't need a copy, I have my own via bank statements! All in all, I was lied to and mislead to believe that my payment was being made to cover my XXXX payment plus late fees from the rep and online. The reasoning they are giving does n't sound right! I feel like they are just telling me something and its really challenging my intelligence. Please take a look into this ... anything that is needed I will provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number XXXX XXXX  Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XXXX  Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX  ( Original Creditor : 11 XXXX XXXX ) XXXX****, XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX**,
Product: Debt collection

I am a victim of identity theft I notice an account was opened without my knowledge or consent in the amount of {$240.00} I have filed a police report the local sheriff office
Product: Credit reporting or other personal consumer reports

TransUnion, Report No. XXXX, Date Issued ; XX/XX/XXXX. XXXX XXXX XXXX Account no. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX, transUnion failed to validate this account under the FCRA and 15 USC 1666b Federal Guidelines of maintaining accuracy information being reported for collection/ charged off account. I have sent several correspondence disputing this account. This account was sold, and or transferred to a collection agency who refuse to provide documentation to validate that I have an agreement with the collection agency and a payment history. I have yet to receive therefore I am requesting this account to be removed from my credit report as it is continuing to report and accurate information with a Last Update ; XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDispute XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXXXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX  XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc on all the accounts above
Product: Debt collection

I received notification I have an XXXX debt which is false. Requested validation and nothing has been received. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was make on XX/XX/2018. I am unsure of the loan amount or why this inquiry was made. Not sure of what the loan would have been for. I wrote a letter to have the inquiry removed.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal 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 XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

XX/XX/year> got a fraud notification! to send in documents to verify identity! 

credit card company recieved documents XX/XX/XXXX said it would take XXXX business days! 

called again on the XXXX was told my documents where reassigned and it would take another XXXX - XXXX business days to verify my documents! 

proceeded to call every day 5 days while getting the same run around answers about my documents being reassigned and they need to take a extra step! 

it's going on 30 days and my.issue has not been resolved!
Product: Credit reporting or other personal consumer reports

Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against DeptEdXXXX, XXXX, XXXX, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. XXXX XXXX XXXX Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now u
nverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.
Product: Credit card or prepaid card

Synchrony failed to mail my vehicle title XXXX XXXX title # XXXX for almost a year. Now my vehicle title is listed by XXXX XXXX XXXX " electronic with a lien '' and unable to obtain. Loan was paid in XX/XX/XXXX. Additionally XXXX rep on the phone was unprofessional, combatant and disrespectful. He failed to address my issue.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion are reporting this company on my credit report as a collection, and I have no knowledge of them and have never been in agreement with them. This company is reporting that I opened an account with them in XXXX of 2024 which Is NOT true. Please remove this collection off my credit if you can not provide me a written agreement between me and XXXX XXXX WITH MY SIGNATURE. This account is harming my credit score and preventing me from making purchases and causing me to receive high interest rates.
Product: Student loan

I called and spoke with Navient about my student loan. The interest rate keeps going up and it is getting to the point where it is almost too hard to pay. Plus, I will be out of work for a month starting next month. The lady said that I was not eligible for a rate reduction based on my income and didn't offer me anything except for a forbearance for up to 3 months. I asked her if interest would continue and she said yes. I asked her if my payment would go up at the end of the 3 months when repayment would start. She said yes. I explained to her that it was kind of pointless to do a forbearance if the loan amount was already getting too ridiculous to pay and it would go up which would make it even harder. She said I may could apply through the credit bureau 's at a later date, but at this time I didn't qualify. She did not explain why as well.
Product: Debt collection

In XX/XX/XXXX I switched phone carries from XXXX to XXXX. XXXX paid the rest of my phone and i had some charges left over for accessories that i had. On XX/XX/2018 the rest of the balance owed to XXXX was paid. The check cleared XX/XX/2018. A few months after i started getting calls from a debt collector several times a day but never recieved any mail saying something was owed. I thought it was a scam becuse I paid all my bills. Recently i tried getting a credit card and was denied saying I had something in collections. When i talked to the collections company they said it was for XXXX. I went to XXXX to see why they sent me to collections when I paid the remaining balance on my old account. When i went in store it showed I did pay the remaining balance but in their system it showed that the account was only just cancelled not cancelled in XX/XX/XXXX. Then after about 7 months of my account actually being canceled they charged me for a months bill to a phone that was no longer in service and a phone number they no longer had. I sent a dispute into the collection agency since XXXX said it was out of their hands. I had to send it several times since they kept saying they never got it. When they reviewed my dispute they said it was still due in full. I should not have to pay for something that is not my fault. XXXX made an error which I have proof of and yet the collection agency says i still have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, I requested a freeze on our credit report due to the hacking problem involving Experian 's data. I received an email on XX/XX/2017 providing our PIN number to use if we wanted to unfreeze our data for a set time or permanently. When I went to the site to fill out the request to unfreeze our data, I received a message that our PIN number was incorrect. I tried several times making sure that the number I received was correct but received the same message. 

I went to their site to see if there was a place to deal with PIN numbers and there is none. Nor is there in the Questions and Answers. I tried several numbers but only got automated recordings. When I finally reached an actual person, he gave me the number for Customer Service but when I called it, I received a message that it wasn't in use yet. There is no chat service or any number where you can talk to a person. The only way given was a lengthly process that involved mailing copies of ID card, social security card, public utilities bill. I would like to be able to contact a person to resolve this. This company controls a citizen 's ability to purchase certain items and needs to provide basic customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my right.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been closed since 2016 and it shows every month the Im still having late payments and the interest is increasing all the while the account is closed. I have contacted the company and Transunion and Transunion continues to have the account showing late payments and closed at the same time but wont honor every dispute Ive submitted..
Product: Credit reporting or other personal consumer reports

These are not mine. 

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 am writing to bring to your attention an error on my credit report regarding a late payment history that is inaccurate and needs to be resolved immediately. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that all reported information is 100 % accurate, fair, and verifiable. I believe the late payment history being reported does not meet these standards and, therefore, requires a thorough investigation. 

I respectfully request the following resolution : Verify the late payment history with the furnisher of the information. 
If the information can not be fully verified as accurate, remove the late payment history from my credit report immediately. 
This inaccurate reporting negatively impacts my credit score, and I urge you to treat this matter as a priority. Attached are copies of my identification and proof of address to facilitate the investigation process. 

Please confirm in writing that the issue has been resolved and provide me with an updated copy of my credit report. I expect your response within the required 30 days as per the FCRA guidelines. 

Thank you for addressing this matter promptly. I appreciate your cooperation in ensuring the integrity of my credit file.
Product: Student loan

I submitted an application for an Income Driven Repayment plan ( specifically the Income Contingent Repayment plan ) through the studentaid.gov website in XX/XX/XXXX with an estimated monthly payment amount of {$170.00}. My servicer MOHELA received that application in XX/XX/XXXX. However, it is now XX/XX/XXXX and MOHELA has still not processed the application or changed my repayment plan, and they are billing me on the same Level/Standard plan. I called them on XX/XX/XXXX to ask why the repayment plan type has not changed, and they could not provide a straight answer other than telling me that the administrative forbearance ( which MOHELA themselves applied while processing the ICR application ) may have interfered with processing the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI CFPB, I TRY TO REACH OUT TO EQUIFAX AND XXXX REGARDING MY CREDIT REPORT ABOUT MY NAME IS REPORTED INCORRECTLY, MY FULL NAME IS : XXXX XXXX XXXX NAME REPORTED INCORRECT : XXXX XXXX THEY ALSO REPORTED MY HOME ADDRESS INCORRECTLY I HAVE NEVER LIVE IN THE FOLLOWING ADDRESSES. 
PLEASE GET THEM TO REMOVED THIS ADDRESS OFF MY CREDIT REPORT. 

I WOULD LIKE TO DISPUTE THIS XXXX ADDRESS. 
1. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX, XXXX CA XXXX 2. XXXX XXXX XXXX, XXXX, CA XXXX 3. XXXX XXXX XXXX, XXXX, CA XXXX 4. XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

To Whom lt May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation underthe Fair Credit Reporting Act ( FCRA ). As aXX/XX/XXXX and the XXXXXX/XX/XXXX, my personal information has been compromised, including 6 criticalfindings tied to my identity within the breach. This aceount andlor inquiries were made without my knowledge or consent. Under the FCRA ( S 6058 ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code $ { 681c- { ( protection of personally identifiable information ) and 15 U.S. Code $ f 68 { e ( b } ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.