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

I was checking my credit report and noticed that XXXX was listed on my report as a closed account. This account has been closed since XXXX  and I did not authorize this publication to my credit report. I was unaware that my credit was reported negatively. This is harmful to my living statndards.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have late payments posted on my credit report during COVID -19. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not give any company or consumer reporting agency written instructions or permission to report late payments, and your company as well as Experian, XXXX, and XXXX are in clear violation of the FCRA and the FDCPA for the following violations.

15 U.S. CODE 1681b ( a ) ( 2 ) Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ;
Product: Credit reporting or other personal consumer reports

The following items listed below are all in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. XXXX, XXXX, Equifax, and also all the companies listed below should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from all XXXX bureaus and you will be able to see the proof of discrepancy within the credit bureaus. All the credit bureaus are reporting different dates of accounts being open, different charge offs, payment history, all inaccurate reporting violating 15 USC 1681. Each violation is subject to {$1000.00} fine per violation made by each party involved. XXXX XXXX XXXXXX/XX/XXXX, This company is reporting a charge off balance of {$120.00} to XXXX and XXXX only and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 1681 inaccurate reporting and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. This is also in violation of my privacy rights in the Privacy Rights Act of 1974 and needs to be removed immediately. XXXX XX/XX/XXXX Late Payment reporting by Equifax, and XXXX only, completely in violation of 15 USC 1681 inaccurate reporting, 15 USC 6801 illegal to report transaction history, 15 USC 6802 disclosure of personal information. I signed a privacy agreement with this bank that they wouldn't disclose my information to a third party company and all three credit bureaus are third party companies, therefore illegal to report of my credit file. The bank can't disclose my information and the credit bureaus can't report it. They both owe for compensation.
Product: Debt collection

This is XXXX XXXX I have been dealing with Equitable Acceptance and now have XXXX XXXX XXXX XXXX contacting me from XXXX XXXX XXXX to say I 'm passed due and need to pay XXXX $ or my account will cancel. Once cancelled they will have to report XXXX $ on my credit that I will have to pay back. I consolidated my student loans a few months back in XXXX 2017 and did n't realize this company was n't in charge of my real student loans just the " interests '' and would help with my total amount. I signed a document for them to get auto payments until they had 3 payments of XXXX. Now that my bank has stopped payments when I found out I 'm getting calls like this ... <P/><P/>Hi this message is for XXXX XXXX my name is XXXX calling from sitting OK I a.m. calling in regards to a notification received by _____. Since it looks like you have missed ___ see payments your account balance with them is {$130.00} if payment is not received by tomorrow Friday XX/XX/XXXX your account will be place of the charge off with that means is that the account will be canceled. Since I would be marked um and negative on your credit report and you would have XXXX full him some of the {$1400.00} and one of them um you can please give me a call back at XXXX that is my direct line or you can send a response to the email or text message talk to you then bye-bye They are also texting me back after my bank stopped their automatic payments. XXXX who handle my student loans said twice that they were not a real company and nothing I pay them goes to my student loans and that I Was scammed. The number texting me was XXXX XXXX XXXX ... <P/><P/><P/><P/>1 ) Your account with Equitable Acceptance has become past due. To avoid additional fees please give me a call within 24 hours at XXXX. Failure to r 2 ) espond with 24 hours, may result in negative credit and suspension of your enrollment with XXXX XXXX XXXX XXXX. <P/>Scammers Sir we have submitted a consolidation on your behalf. <P/><P/><P/><P/><P/><P/>I have left a message with my attorney generals office in case what I signed they can put on my credit. Any advice would be great! <P/><P/>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX received written notification with proof of identification that the address information needed to be updated but they did not update it. Twice i sent in requests that have not been updated
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Americredit 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
Product: Debt collection

I requested proof of debt via credit bureaus when this appeared on my account. The company ( XXXX XXXX ) sent me documents that show this was taken out under my social security number in 2019. However, the name and address used was incorrect and old information. It shows it was for a loan with cashnet. I did not take this loan. I asked for information regarding the bank info for where this loan may have been deposited. The documents do not contain my signature. This company provided very little information but will not remove this debt from my name. I did not take out this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  XXXX Balance Owed : {$6400.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to Section 605B ( a ) of the FCRA, Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as resulting from the identity theft within four business days of receiving the information.
Product: Bank account or service

RE : Santander BankWithout notice to me, Santander Bank closed my account XX/XX/XXXX and tookthe balance for themselves without sending me a check. It was only for {$.00}, but thisbank has a reputation for bad bad customer service and corruption. When I went to use the debit card to close out the acct, it was rejected. 

I want the monies refunded, immediatelyXXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXXXXXX XXXX XXXX account XXXX  # XXXX 15 U.S.C1681 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 items of information, other than records of convictions of crimes 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate this invacuate this is causing me not to get a place to live apply for credit cards a new truck to work.
Product: Student loan

I emailed Navient two months ago about taking my loans out of forbarrence. They did not. I'm also concerned that they steered my loans into forbarrence without giving me the knowledge of what it was and what it means. I simply want to pay off my student debt it doesn't matter if it takes me 10yrs I would like to see my student loans forgiven.
Product: Debt collection

Collection letters sent to my grandparents house in Florida. Of a debt. I am not aware of nor does portfolio recovery association have a right to collect. I have no outstanding balances with XXXX  XXXX. My old accounts was paid off off, closed by me & shows that according to my credit report. I have no bad standing accounts with XXXX  XXXX. I have no idea where PRA found this account, this account is inaccurate. 

This company which i hold no contract with nor have received services from reported a credit account against my SSN in the amount of XXXX with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation under the fair credit reporting act and verification of debt. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance XXXX, XXXXXXXX XXXX XXXX  balance {$0.00}
Product: Credit reporting

This dispute is with Experian and XXXX. Original alleged debtor is XXXX. I spoke with XXXX- they could not discuss my file or give me any information because the file was too old. I spoke with XXXX and XXXX, they would not and could not send me documentation showing that I was given notice of this debt. I had no knowledge of this until I checked credit reports. There are XXXX solid reasons- legal reasons- to remove. There is a lot more, but the agencies are not able to include all details as they are limited to number of words. This report is being done illegally, maliciously and incorrectly. It is also being reported by XXXX. Transunion removed it! As all should. I want to file charges against XXXX, Experian and XXXX and file an official complaint with the FTC and States Attorney Office.
Product: Credit card or prepaid card

I applied for an XXXX XXXX American Express XXXX, the offer said that the welcome bonus is XXXX XXXX bonus points and a free night certificate if i spent {$2000.00} in 3 month. I spent over the spending requirement, and the bonus points wasn't credited to the account. When I called and inquiry they told me at the time of the signup, they told me that i wasn't offered this welcome bonus but my credit card application was approved. This wasn't told me at the time when I signed for the card, and I paid the {$95.00}. Unclear process, very unreasonable and misleading. Since I don't recall I saw that I was declined a signup bonus, since this is the first time I applied for XXXX American Express Credit Card. Also, I paid for the {$95.00} annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. See attachment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, ai hope this email finds you well. I am hoping you could help me. I have been very ill and could not pay back all my credit cards with large interest rates so I called my creditors around XX/XX/XXXX to find out if there were programs available. Comenity Bank assured me that my credit cards through them could be switched to a reduced interest amount that I would pay evenly over 5 years and then we would part ways. The individual offered to place my XXXX XXXX XXXX XXXX  also under this program so I thanked him. They supposedly placed me in the program and set up a schedule of payments starting XX/XX/XXXX for the amount of {$14.00}. The representative set the payments up for the XXXX of every month and when I questioned if it was OK that it was after the XXXX of every month due date he said yes because I was setting up all my comenity store credit cards. Around three months of these payments went through when my credit report said I was 90 days past due on the account. I called Comemity back and pointed out this mistake. They apologized and said the gentleman that took my call at Comenity ( in the assistance dpt ) didn't finish placing me in their assistance program and that he did it " wrong '' and that representative was going to fix it. The amount went to {$15.00} even a month. The false reporting kept happening. I contacted XXXX 4 times to say Comenity are ruining my credit report falsely and that I never missed a payment. I showed them proof that I had been set up in a payment arraignment and showed proof I never missed a payment ; I showed letters from Comenity apologizing for the error, crediting the late fees back, and assuring me they would not report this to the credit reporting agencies. XXXX finished their latest review of this complaint yesterday and no matter how much evidence I continie to give them they listen to Comenity and insist I am now 60 days past due. I go to XXXX XXXX account login page and it still insist I'm 60 days past due although I have never missed a payment. I have contacted comenity six times and XXXX five times. I even sent emails on my XXXX XXXX account asking comenity to stop falsely reporting to the credit agencies and they assure me they would ... and they don't. It's been since XXXX that I have been dealing with this and I am unwell. I am at a lost how to make this company be honest.I have yet to miss a payment. I couldn't stop paying without a phone call even if I wanted to because they set up automatic payments. Payments I couldn't make on my own without a representative setting it up for me. Ty for your help.
Product: Credit reporting or other personal consumer reports

Im filing a complaint regarding multiple late payment marks reported by Truist Bank after my loan was transferred from my original lender. I was previously on autopay and had a perfect payment history. 

After the transfer, I received a single email about needing to re-enroll in autopay which I missed but I was never contacted by phone or mail. Ive just learned that Truist had the wrong phone number on file, so I was never notified directly about any missed payments. My neighborhood mailbox has also been broken into and out of service for months, so I havent been receiving mail consistently either. 

I only became aware of the issue after seeing a XXXX point drop in my credit score. I immediately paid what I owed in full and submitted a dispute through Truists internal process, but they informed me it may take 30 days to review and respond by mail.

This was not willful neglect or financial hardship it was a breakdown in communication, made worse by Truists incorrect contact info. Im requesting that the CFPB assist in expediting this dispute and pushing for the removal of the late payment marks, which do not accurately reflect my payment history or intent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My social security number is XXXX, I have disputed XXXX items on the following credit reports : XXXX, XXXX and Transunion. Two of the five were deleted. XXXX XXXX account number XXXX, XXXX account number XXXX, and XXXX XXXX account number XXXX remained. Since XXXX of 2017, I have repeatedly contacted the aforementioned companies and asked for proof that these accounts belonged to me. Neither of these companies provided me with evidence these accounts belonged to me or how they determined these were indeed my accounts. After not receiving proof that these accounts belonged to me I requested that the erroneous entries be deleted. Neither of these credit bureaus deleted these derogatory entries. Furthermore they never stated how these references were verified. I can only conclude that these credit bureaus are refusing to obey the Fair Credit Reporting Act, which states that all entries must be accurate and verifiable. If I ever signed a retail contract with these subscribers, copies should be provided as proof.