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

I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by Experian, XXXX and XXXX. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. 

Under 15 USC 1681, Section 602a, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. 

I have recently become aware that [ XXXX XXXX XXXX ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by 15 USC 1681, Section 604a, Section 2. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with 15 USC 6802 ( b ) ( c ). 

Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of 15 USC 1681 ( c ) ( a ) ( 5 ), which prohibits consumer reporting agencies from including certain items of information without proper authorization.

I wish to emphasize that, as per 15 USC 1681s-2 ( A ) ( 1 ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law.

Furthermore, 15 USC 1681E mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681C and limit the furnishing of consumer reports to the purposes listed under section 1681B. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements.

In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ XXXX XXXX XXXX ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. 

Please be advised that, under 12 CFR 1016.7, I am exercising my right to opt out of any adverse reporting services provided by [ XXXX XXXX XXXX ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. 

Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.
Product: Credit reporting or other personal consumer reports

There inaccuracy information on my report. I was never late and it show wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

Collection Agency is Merchant Credits and Original is from Virginia XXXX XXXX for {$170.00}. I contacted both of them on XX/XX/XXXX and this is not my account.
Product: Credit reporting

Equifax continues to report a Chapter XXXX bankruptcy which was filed XXXX/XXXX/2007, which has been 8 years and 7 months since filing. In addition because there was zero secured mortgage, zero secured debt, I requested that the Ch. XXXX Bankruptcy be dismissed. There was no material or substantial reason to stay in the plan. Both XXXX and XXXX have honored the 7 year reporting standard for Ch. XXXX Bankruptcies, while Equifax has continued to allow this information to be reported causing further harm for employment and housing. On Friday, XXXX XXXX, I was denied a mortgage for a VA loan in spite of the fact that I have primarily student loan debt, little to no credit card, department store or personal loan debt. Debt to Income ratios were all at or above industry standards. XXXX Home Mortgage cited the Ch. XXXX Bankruptcy as XXXX of the reasons for the denial. My credit scores were XXXX Equifax , XXXX XXXX, and XXXX XXXX. As XXXX XXXX XXXX XXXX XXXX Veteran, I believe my wife and XXXX daughters deserve a home rather than paying {$1100.00} rent for an apartment. Please advise as your assistance is greatly appreciated.
Product: Credit card

On XX/XX/XXXX, I made an on-line payment to Synchrony Bank for my Amazon Store Card . Instead of applying my {$140.00} payment to the balance on my credit card, they applied it to a spendable ( available balance ) amount, thus leaving my statement balance the same. I feel like Synchrony was doing this so I would use my card and thus be over the limit because it wasn't a " true '' credit available. Why would Synchrony take my payment and not credit it to my purchases? They could not explain why they took my payment and did not credit it to my outstanding balance. The copy will show that my credit limit is {$360.00}, yet my balance is {$340.00} and available credit is {$150.00}. This is because Synchrony took my payment of {$140.00} and credited it to my spendable credit available and not my outstanding balance. Had they allowed me to charge, this would have put me over my limit and they could have charged me additional charges for that. They should have credited my payment to my balance, period.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX were reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Student loan

well it started in XX/XX/XXXX when I signed up for XXXX XXXX of XXXX and XXXX in XXXX PA, and I was told my financing would be through sallie Mae I was told I would not have to start paying back until 6 months after I graduated, well I finished school in XXXX of XXXX and XXXX of XXXX I received my first bill, and it was way more than I had been told it would be, I called Sallie Mae, and was told the extra amount was due to the fact that I didn't pay any of the interest while I was enrolled in school, I said I can not afford that payment, I was told, that is the amount I needed to pay, so I paid what I could, and as the months went on, I kept getting larger and larger " minimum amount due '' I finally realized that absolutely nothing was coming off the principal, I called them and asked, and it was explained to me that every month I paid less than the minimum due there was penalty put on, and all the interest and penalties would be taken off my payment first and if anything was left than it would come off principal, I was just going in the hole more and more, so, being young and XXXX, I stopped paying completely and I received periodic phone calls for a couple of months, than total silence, so I just forgot, and let it go, well approximately XXXX of XXXX I received a letter in the mail, not certified or anything saying I had a telephone court date, so I called in on the date, and the judge said, ok, what is the case here, I started to explain what I explained above, he interrupted and said, ok, you two sides work out a payment deal, and we will reconvene, and he got off the line, I said, I guess we need to work something out, the person for Sallie Mae said, we will accept {$850.00} a month, I said, I can not afford that, and he said, there is nothing more to discuss, and hung up, and I went about my life, and no more calls or mailings, now move on to XX/XX/XXXX I go to buy a car, and am told I have 2 judgements on me, so I look into it, and was told I had 2 default judgements on me from Sallie Mae for not calling in on the court date, I was never notified of any other court date except the one I called in on, the never sent anymore notification or anything, one judgement from XXXX of XXXX and one from XXXX of XXXX I had no idea of them, as soon as I realized, I was going to file an appeal, and was informed by an Attorney that there is a time limit to file an appeal, but I didn't even know I had them so I was way past the time limit, but above all, the judge didn't even give me a chance to bring up my defense that they are private student loans, and private student loans are subject to statute of limitations so they shouldn't have even been in court. this has ruined my credit rating, I can't get loans, my vehicle is a XXXX XXXX lease for {$600.00} a month, when you see them advertise for {$190.00} a month, but because of the unfair judgements I am ruined, than I see that they passed a law that XXXX veterans can get there loans thrown out, but only for federal loans, so, is there anything that can be done, I thing the judgements should be vacated and removed from my credit report and my personal file
Product: Debt collection

Portfolio Recovery Associates , LLC I have no contract with this company I have no knowledge of this debt
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. 

During this validation period, the accounts on my credit report is considered detrimental to any of my credit reports and it affects it affects my credit report negativity. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 


Account Name : XXXX XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Student loan

I had several IR income driven requests for this student loan XXXX  charged me high fees and late charges and interest for over 20 years
Product: Debt collection

hi! I have been trying to raise my credit and I have been investigating what affects me, at the beginning I have contacted some collection companies and I have tried to find out what is the origin of these accounts, some I recognize but some do not. With this company, I tried to identify the origin of the account or validate it, but it only sent me a bill to collect. In the end I gave up calling them and making a payment to pay and delete my account, and they still continue to report the account. I have tried to dispute this account with the credit bureaus and it turns out that XXXX and XXXX are reporting PENN CREDIT CORPORATIO XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX but XXXX  is reporting the same account XXXX  XXXX  XXXX the same balance. 
Please help me to clarify this problem. I am trying to buy a house and I have been denied the application for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX, Equifax, and XXXX has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602 A States I have a right to privacy. These addresses do not belong to me : 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, credit repair services, or other personal consumer reports

I am trying to improve my fico score so I can move my family into a better living condition. I have taken steps to call all the creditors on my report that are showing negative on my fico score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to SYNCB/TJXCOS ... ... .SYNCB/AMAZON on XX/XX/2021 and on XX/XX/2021. They stated they would be happy to help me to resolve this issue to delete, remove, or erase it from my reports with their response of a dispute. On XX/XX/2021 I got a copy of the revised updated report from XXXX, XXXX, XXXX with the same old information?
Product: Bank account or service

I was given misleading and inaccurate information regarding why a payment was withdrawn late from my State Employees XXXX Credit Union checking account was withdrawn late. I have made several efforts ( as documented ) to ascertain the reason for this. Both State Employees XXXX Credit Union and the credit card company, XXXX XXXX, have been passing the buck back and forth blaming each for the issue and neither party taking responsibility for this issue that has to do with their outdated ACH systems.
Product: Student loan

When I inquired about student loan forgiveness for public service I was told by Navient that I needed to be on a certain type of loan and so I switched over to that kind of loan. I was told that after 10 years of payments ( 120 total ) under this loan I would be eligible to apply for forgiveness. About 5 years in my loan was taken over by the Department of Education and I was told that none of my payments counted toward the 120 because I was not under the correct repayment plan. Navient withheld this information from me and as a result I am going to have to make 5 more years payments which is a ton of money for someone in a low paying public service position.
Product: Credit reporting

I am so sorry, I just want to add to this case number. I pulled the Experian Report and I have XXXX accounts that should be deleted1- if you look at the first page, you can see Experian has documented the Bankruptcy filing on XXXX/XXXX/XXXX, OK2- The XXXX card from their own payment ledger that the last payment received was XXXX XXXX, its well over 7 years old, really XXXX and half XXXX. This needs to be deleted3- the XXXX account, I attached previously the XXXX report but reattached, they have it marked for removal XXXX, the Experian report shows the XXXX filed in a bankruptcy filing XXXX of XXXX??? they just make up dates, the only BK filing on the record is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX ( XXXX XXXX ) {$120.00} with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX  ) is. I have never signed an agreement with XXXX ( XXXX XXXX  ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX   XXXX  ) ( {$370.00} ) with Equifax, XXXX  and XXXX  and the incorrect FRAUDULENT information is still there. I do not know who XXXX ( XXXX XXXX XXXX ) is. I have never signed an agreement with XXXX ( XXXX XXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX account is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$240.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX  XXXX account is. I have never signed an agreement with XXXX  XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The fraudulent errors still exist
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX XXXX and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit acceptance corporation Open on XX/XX/2020 Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft XXXX  Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX  and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX Opened XX/XX/20 XXXX {$0.00}
Product: Payday loan, title loan, or personal loan

I fell Behind on my be payment.. the CSR called to collect payment I asked if I could make the payment on Friday since thats when I got payed they asked what was the reason why I fell behind I let them know we had a medical emergency and that is why I couldnt make the payment. Then the CSR responded well I dont care what your excuses are I need the payment and I need it now. I told her I could make the payment but until Friday. She said she couldnt wait and needed now. I told her all I could do was Friday and that I had to hang up cause I had to go back to work. She then replied well Im going to call your work to speak to you. I worked at a XXXX XXXX and I had already asked her several times to stop calling me at work. She called me the next day at work and I again told her couldnt make the payment and that I had asked to stop calling me at work because I was going to get fired. The initial call was on a Monday and she kept on calling my work all the way through Thursday on Friday when I was going to give a payment she told me it was a higher amount and hat I didnt have and she couldnt accept the lower amount. This person started calling the whole world to tell them to ask me to pay my loan and gave out information about my loan dates taken out amounts days I was past due and all the details. I spoke to her and told her that what she was doing was wrong and that I was just goIng to wait until the loan was charged off so that I could pay off because I didnt want to deal with her anymore. She said she didnt know what if was talking about that I never asked to stop calling ... i was fired from my job due to the many calls she made to work and now Ill really dont have a job to pay them back with
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter out regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a credible response. I feel like I am being taken advantage of and ignored of my disputes. I am requesting you send me any signed contracts and or proof that this account belongs to me or I am demanding you stop verifying false information to the credit bureaus. I am also demanding these accounts be deleted immediately from your database as i have no recollection or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Thank you for taking a couple of minutes out of your busy day to read this letter. I enjoyed my relationship with SELF FINANCIAL/LEAD BA ( Account : XXXX, XXXX ) and appreciate the loan you extended in the recent past. Im proud to have paid the amount in full with all fees and interest as agreed. 

I would like to ask for your help. 

Im writing because I noticed your company reported a late payment in XX/XX/year>, XX/XX/year>, XX/XX/year> on my credit reports. I am requesting a goodwill adjustment to remove this late payment from my credit reports. 

Upon review of my records, I realize that you reported late payments Unfortunately, I was never aware of those late payments, During those times XXXX took the Country by storm, so much was going on but I am positive I kept up with my payments to the best of my knowledge even thought I was going through financial hardship, I take full responsibility if I am incorrect, but I made sure it did not happen again. As you can see from my payment history, Ive made every payment on time both before and after the late payments. 

Im in the process of applying for a ( mortgage/auto loan/etc. ) and the negative impact of the late payment could result in a denial for my loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested, I believe it will significantly improve my chances of approval and save me unnecessary costs in the process. 

( Please see attached documents ) Thank you for your time and consideration. 

Sincerely, XXXX XXXX