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

Using the Experian website, I'm unable to lift a security freeze on credit reporting about me by Experian, despite entering the PIN Experian gave me when I placed the freeze. The website demands a bunch of other information, including my SSN, birthdate, and address, and it presumes my address is in the USA - it demands a state and ZIP code - which it was when I placed the freeze but isn't anymore - I now live in XXXX. When I submit the form, the website declares that it can not lift the freeze and advises me to send paper mail to an address in Texas, including a stack of documentation to prove I am who I say I am. Calling Experian on the phone leads to a phone tree ending in a recording of the same advice. ( No possibility of talking with an actual human is ever offered. ) WHAT THE XXXX?! I have the PIN. That should be enough. It's outrageous to demand that I spend a bunch of time gathering and sending documentation on paper and then wait who knows how long for a reply ( which like as not would be, " We're sorry, but ... '' ). This is flatly unacceptable. 

I've encountered no such problems lifting freezes at XXXX and XXXX. 

*Entering my address when I placed the freeze or my last address in the USA does no good. And as far as I can tell, Experian has no presence in XXXX.
Product: Student loan

Upon using XXXX XXXX XXXX , XXXX ( Conserve ) to consolidate my student loans, I received a letter from XXXX stating that I did not have to make any payments until XX/XX/XXXX, 2017,  and that my new payment amount would be {$740.00}. Upon receipt of this letter I called XXXX to confirm this information. My payment amount was only {$430.00} and I was told by XXXX that their records did not indicate any letter of that kind being sent out to me. 

I have uploaded a copy of this letter for your verification. Please investigate this fraud and help me prevent this from happening again. 

Your prompt attention to this matter is highly appreciated. Thank you.
Product: Credit card

When I first applied for my Capital One card, I was told that if I 'd made timely payments on it for 6 months, I would be eligible for a credit limit increase. After making 6 months of timely payments, I saw no increase. I was XXXX for training with the XXXX XXXX soon thereafter, and missed a payment deadline ( as I had no access to a cell phone or internet device ). I contacted a member of my XXXX XXXX XXXX ( financial assistance ), who relayed my concerns to Capital One. It was my assumption that Capital One would understand my circumstances ( that my inability to pay was due to no fault of my own ), and reflect this information on my credit score, after I had paid my balance. Upon paying my balance, my credit score reflects XXXX late payment in XXXX, similar to as if I had simply not cared about paying for my credit card statement. My credit score suffered. 

In early XXXX, I authorized an auto-bill pay on this Capital One card. I was in the process of receiving a new debit card from XXXX XXXX when my payment was due for Capital One. My payment was declined and bounced back to Capital One, who never informed me that my payment had bounced. When I saw twice my credit limit being charged for next month 's bill, I sought to dispute the transaction. Only after ( two or three months later ) I had gone to the physical branch, did they tell me my payment had not cleared and that I was being assessed two months worth of credit card debt. I then paid, but after my credit score dropped significantly.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian and XXXX XXXX XXXXXXXX for inaccurately reporting a late payment for XX/XX/year> on my credit report, which violates the CARES Act and the Fair Credit Reporting Act ( FCRA ).

This inaccurate reporting has harmed my credit score, financial standing, and opportunities to secure credit. I have previously disputed this matter with Experian but have not received a satisfactory resolution.

Details of the Complaint : Violation of the CARES Act ( Section 4021 ) : During the COVID-19 pandemic, I was under financial hardship and was
placed on a relief/forbearance plan in accordance with the CARES Act.

The CARES Act prohibits creditors from reporting late payments for accounts placed under forbearance or deferment plans. 
XXXX XXXX XXXXXXXX failed to comply with this provision by reporting my account as late for XX/XX/year>. 
Inconsistency Between Credit Bureaus : The late payment is only reported by Experian. Both XXXX and XXXX show my account as current, which highlights the inaccuracy and lack of verification by Experian. 
Violations of the FCRA : 15 U.S.C. 1681e ( b ) : Experian failed to ensure the accuracy of my credit report by accepting and reporting false information.

15 U.S.C. 1681i ( a ) : I formally disputed this error with Experian, and they failed to investigate and correct the inaccurate information within the legally required 30-day timeframe.

Impact on My Credit : This inaccurate reporting has caused a significant drop in my credit score, negatively affecting my ability to secure credit opportunities and financial stability during a challenging time.
Product: Vehicle loan or lease

On XXXX XXXX, XXXX XXXX, Recovery Specialist, with TD Auto Finance called me stating that I would have to pay {$150.00} a month ; otherwise, my account would be sent to collections with a lawyer. He sent a letter stating that my balance was {$10000.00} on the loan. It had been years since I heard from the company. 

In the year XXXX, my son living in XXXX, XXXX  after Hurricane Katrina asked me to purchase a car from XXXX. His car had been badly damaged, and he could not get another car for work. He made the payments toward the car loan. Initially the loan was with XXXX XXXX then it was switched to TD Auto Finance. A representative with XXXX was sent to XXXX, XXXX my hometown, to sign the papers for TD Auto Finance. Initially, when the loan was approved I was in XXXXXXXX XXXX  caring for my ill daughter. 

In the year XXXX, the car was repossessed and eventually sold leaving a balance of {$13000.00}. A lawyer wrote a letter to TD Auto Finance to have the loan transferred to my son. It was not transferred. I began paying TD Auto Finance {$200.00} a month until I could no longer pay this amount. I wrote a letter stating that I could only pay {$50.00} a month because of financial hardship. I have made payments up to XX/XX/XXXX. 

I asked XXXX XXXX colleague, XXXX, why I owed {$10000.00}. He said the interest. I believe that the Recovery Department only gets certain statements. 
I told XXXX that initially I was offered a payout of {$5000.00}, but I couldnt get the money. XXXX said that if I could get the {$5000.00} before the end of the month the loan would be cleared. 

Today XX/XX/XXXX, I received the payment history of the loan from TD Auto Finance. I have paid including XXXX and XXXX of this year a total of {$5000.00} ; therefore, I dont owe {$10000.00}. XXXX XXXX XXXX dollars minus {$13000.00} doesnt equal what theyre asking. The account was charged off, and there was no interest charged. Also the car was purchased in the state of XXXX, and when it was repossessed it was registered in XXXX What are the XXXX laws about a debt being XXXX years old.
Product: Credit card or prepaid card

I am writing presently in wish to receive your help. At the present time I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I've reached out to CAPITAL ONE and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report which violates federal law. 

Account Name : CAPITAL ONE Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

These are unauthorized inquiries ( XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ), which I have not approved or given written permission to furnish in my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. It shows two late payments on an account that were actually paid on time. Consumer reporting agencies must report all information accurately, and this account has not been late on payments. 

I have attached a copy of my report to this complaint, highlighting the incorrect date, XX/XX/year>. I request that you investigate this account and update these payments to reflect that they were paid on time immediately. 

Thank you for understanding and taking the time to take action.
Product: Debt collection

Debt collection company called XXXX 1 day and XXXX time the next day. Spoke to rep on XXXX/XXXX/2015 on a day I was XXXX asked not to call me, he called back ... 

Collection company refused offer of payment plan. XXXX said I was to get XXXX bills then they send to collections. I only got XXXX bill in XXXX, then was submitted to collections on XXXX XXXX, 2015 ; received NO NOTICE from XXXX that I was being submitted to collections. This is only XXXX XXXX, 2015. The rude calls from collector and the disrespect is " not professional. " Request that CFPB work on my behalf ; stop the calls, get company to send letter acknowledging collection status ; accept a payment plan. Also Collection company needs " full disclosure '' of their identity and their company address and contact information.
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. Convergent Account # 1234, has violated by rights. 15 U.S.C. 1681 Section 602 A : States I have the right to privacy. 15 U.S.C. 1681 Section 602 A, Section 2 : It also states that a consumer reporting agency cannon furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more that seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

See the attachments showing my numerous attempts to get you to provide physical evidence of each error listed in the attached sheets.
Product: Credit card

My XXXX XXXX is reporting fraud on this credit card account, XXXX is doing charge backs, which is causing my accounts to be suspended. This isn't fraud, we have a notarized agreement from XXXX, stating that she wanted me to manage her credit cards, which included this one.
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered a TV stand and additional items from Ashley Furniture. I made a down payment on the purchase from my own funds and the remaining balance was to be billed to my newly acquired Ashley Furniture Store Synchrony Credit Card account. I paid for delivery and setup of the items. However, the first item I received was drop shipped to my home which was the TV stand. Upon opening the box, it was apparent I received a damaged product and it needed to be returned. I called the store and was informed I would need to return the item to the local store since it was drop shipped. Thankfully I have an SUV and was able to return the item myself and not be inconvenienced further in that regard. I returned the TV stand on XX/XX/XXXX and canceled all remaining items from the order that had not been delivered yet due to the customer service experience and damaged goods. I have receipts for the credits to my personal accounts for the down payment that was made and was informed I may receive one billing cycle statement but after that initial billing cycle, I would see where the Ashley Furniture Store Synchrony card was credited and would reflect a zero balance owed. That never happened. So, I opened a dispute with Ashley on XX/XX/XXXX. I was told any negative reporting would be placed on hold until the dispute was resolved. I've had to file a dispute with the credit bureau to have negative reporting removed once and that was taken care of. But since then Ashley is still showing a balance owed and is now reporting my account 60 days past due which has created a credit score issue for me. I've called customer service, collections, fraud department all to get the run around and no resolution. Finally on XX/XX/XXXX, I thought to try and resolve directly with the local store. I spoke with XXXX XXXX. She was able to locate a credit on their books for {$490.00} that's just been sitting there. She said she wasn't sure what needed to be done with it. I'm assuming this amount is what needs to be sent to Ashley Furniture/Synchrony to update my balance owed to {$0.00} as well as have the delinquent reporting removed from my credit report. XXXX XXXX was supposed to get with her manager on XX/XX/XXXX and call me back. I have yet to hear from anyone at the store. It has been impossible to resolve this issue with the store or the creditor at this point after six months. I've opened an additional dispute with XXXX for resolution as well. Also, it's important to note that at one point Ashley/Synchrony 's credit representative insisted that I never even filed a dispute with them, but I had documentation acknowledging a dispute was opened ( confirmation letter ). I truly need assistance getting the creditor to acknowledge their lack of action to work towards a resolution and how it has impacted my credit score. This is completely unacceptable.
Product: Student loan

Due to a recent data breach at the US Department of Education by XXXX XXXX and/or his affiliates, my personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and the US Department of Education responsibility to safeguard my information.
Product: Debt collection

Dear Customer Care, I would like to inform that, my credit has been repeatedly hampered by the company. I have no knowledge of this account and it is being put to negatively impact my score. 

Please Kindly help remove this account from my XXXX Credit File. This does not exist in any other credit bureaus. 

SIMONS AGENCY INC XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Credit card

In XXXX, my Diner 's Club card was closed with a credit due to me of {$2000.00} USD. They sent me a physical letter telling me to contact them to get the money, and I have attempted to contact them every year to get my money, but they are refusing to close the loop on this. The money is seemingly stuck in limbo and their customer service representatives have no clue how to navigate their system to find the information. I have been attempting to contact them via phone, email, and their own secure message system and spent countless hours on this problem. 

Sometimes the more knowledgeable representatives have been able to see my information, but they don't know how to get that money to me. 

In XXXX, they sent me an affidavit to get the money but mandated that I had to get it notarized and send it back to them by a certain date or the funds would be escheated to the state of Colorado. Unfortunately, I didn't receive that letter until too late based on their deadline. They never escheated the funds to the state. 

So in effect, it seems like Diner 's Club/Bank of Montreal have decided to keep my money.
Product: Debt collection

I recently dicovered that a collection agency by the name coast to coast is reporting an amount owed to XXXX XXXX XXXX and I have never had an account opened with XXXX XXXX XXXX. I have no reason to do so.From what I am understanding this account was opened back in the year of 2011. I was living in XXXX XXXX county in the city of XXXX XXXX  at this time.
Product: Credit reporting or other personal consumer reports

Through purchasing my home and mortgage, the company has not taken XXXX payment through the closing fee but said I would get a link provided to process that payment. I have asked multiple times to process payment. My mortgage lady was like " XXXX XXXX XXXX XXXX myself on it I'll send it again '' but that link hasn't gone through, no call no communications. I processed a payment through the mortgage website. To receive a report from XXXX XXXX on my account being Delinquent Account for over 90 days. First of all, I moved to my home on XX/XX/XXXX. My XXXX payment was supposed to be on XX/XX/XXXX, but my account that is with the mortgage company kept stating XXXX, which I paid on XX/XX/10. Turned out that that didn't go in as XXXX payment but XXXX and me still missing my XXXX payment, which is paid now but 37 days late, but not over XXXX, including that my mortgage people left me XXXX they did not do their due diligence for me as a client. The communication has not been clear, it has been disorganized & mismanaged. Here is all the evidence that it is impossible that I failed to pay over 90 days and that my credit score went from XXXX to a fair. I would like to get my credit score fixed to what it was as I have been working extremely hard to keep it intact through many years.
Product: Checking or savings account

Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; XXXX XXXX XXXX {$47.00} This banks are not allowing me to open up a bank account with them because I am in XXXX and these banks are reporting wrong information about me and fraudulent accounts were opened in my name and with my identity.thanks to this person that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA you are expected to delete this accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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: Debt collection

I have written, certified, and notarized a request for verification of debt sent to Resurgent Capital Services, and it has been well over a month, and they've failed to respond, while yet continuing to report the account on my credit report. This is a clear violation fo Federal Law under the Fair Debt Collection Act : Section 1692g in Title 15 of the U.S. Code. This clear and blatant disregard for the law, and how their practices affect the lives of the American Consumer is not act, but a culture at this company.

30 days have come and gone, and they have yet to remove this debt from my credit report. They have sent nothing certifying the debt is mine within the time allotted by law, and I believe this to be fraud with a willful intent to use my credit report to coarse me into sending money I don't owe.

We are filing this report to be included in our lawsuit with the local magistrate here in Texas. I also will be speaking with an attorney regarding filing a police report for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate personal information on my credit report