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

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was approved for a Capitol One Credit Card and never received the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost a year and a half I have submitted my payment biweekly from my bill pay to where the funds are deducted from my account and issued to XXXX XXXX XXXX within 24-48 hours. I have repeatedly had late payments placed on my credit report to which had greatly diminished my credit score. I have contacted the institution to resolve the matter by sending copies of bank statements reflecting payments being deducted from my account and issued to the institution on my behalf. The most recent interaction was on XX/XX/XXXX and again from my credit union to which i have received emails stating the institution is refusing to communicate with them. In XXXX and XXXX of XXXX multiple payments were issued and posted outside of the date they were received and I have multiple documents from my financial institution detailing such. The payments were posted to the account two and three weeks after received. 

When i make payments online I continue to receive alerts that my payments are not made when i have confirmation numbers and proof of funds being recieved.
Product: Credit reporting or other personal consumer reports

I have filed a dispute on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Experian denied following with the investigation. I have recently been notified that the CFPB has filed a lawsuit against the Experian. Due to allegations that the company accepted unreliable information and failed to notify customer the dispute results. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. Experian ha not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed.
Product: Credit card or prepaid card

I sent a {$50.00} payment through XXXX XXXX bill pay to be paid to Frist Progress on XX/XX/XXXX. My due date was XX/XX/XXXX and the account was current. Unbeknownst to me, First Progress chose not to cashel the check, instead charging me a late fee for non-payment in XXXX. I didn't notice this because I'd been idly making payments. 

I decided to close the account approximately XX/XX/XXXX because the only way to pay is bill pay and it's really inconvenient. I conveyed as much to the customer service agent I spoke with. She said I would need to pay just under {$75.00} to pay the remaining balance on the account, which I did. 

The following day, I got an email from XXXX XXXX stating that First Progress never cashed the bill pay that was sent in XXXX. Then, I noticed the erroneous late fees. I immediately contacted customer service over the phone at First Progress, who advised me to fax a letter to a number provided stating what happened with my proof. I did. 

Since, First Progress has not cashed the {$75.00} bill pay sent to close the account sent in XXXX. They are continuing to charge late fees every month. They have reported a delinquency on my credit. They have also changed the remarks stating customer closed account to account closed by issuer. Blatant lies and damage to my credit.
Product: Credit reporting

XXXX XXXX XXXX reported to Experian a new DOFD ( date of first delinquency ) for a negative account that had reached the 7 year date of removal, the account was removed when it reached the original date but then reinserted years later when XXXX purchased the loan. 

XXXX ( original account holder ) communicated the DOFD to the credit reporting agencies and by law, that date ca n't be changed!! The FCRA Compliance Date is the official beginning of first date of delinquency ( DOFD ) which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time you FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. 


It is illegal for a creditor or collection agency to change the " purge from '' date on a negative credit listing, causing it to remain on a consumer 's credit report longer than allowed by federal law. 

" Re-Aging '' a delinquent account is a serious violation of the FCRA. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. 
The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the " purge from '' date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7.5 years from the date of first delinquency ( DOFD ). 

I have included my credit report pages supporting the original DFOD date, I labeled the pages ( Exhibit A page XXXX and XXXX ) I have tried to remove this entry before and Experian only comes back with " we verified the information is correct '' They have never sent me the evidence that supports the DOFD now listed on the credit report.
Product: Debt collection

The company has called me 7 times since XX/XX/XXXX, most recently today at XXXX. Each time they ask if they " have the pleasure of speaking with the owner of such and such company '' I do not own the company, not associated with it, never heard of it. Each time I have told them they have a wrong number and to remove me from their list, not to call again. They continue to call. I have gotten more aggressive on these latest calls letting them know that this is now harassment and they are breaking spam laws. Told them I would report this to the FCC or whoever handles it, and this is one attempt to do so. The company is here : The Offices of Credit Management , LP XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX They are calling me from various phone numbers starting XXXX # # # # I can not get them to stop and I want them punished for violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023, I've sent several letters to TransUnion LLC Consumer Dispute Center LLC about how they could report the following Bankruptcy XXXX XXXX case number XXXX and the source where they received the information so I could contact them directly. I researched and discovered that the US Bankruptcy Court GA XXXX does not report to any third-party Credit Reporting agencies . I still demand all of the verifiable proof, such as the original instrument containing my signature, Pay-off, Interest Rate, Discloser, Balance and Payment History that they have listed for the following Bankruptcy XXXX XXXX case number XXXX.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. DEPTEDNELNET This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency DEPTEDNELNET name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( 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. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, which has led to a breach that puts myself and millions of others at potential risk. I am profoundly disappointed with how Equifax has handled reporting this breach to me and other consumers. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover news about the breach via social media and word-of-mouth. 

This breach has cost me several hours of time and money to freeze my credit and financial records with four different reporting bureaus, including Equifax, XXXX, XXXX, and XXXX. Furthermore, this breach will continue to cost my time and money for unfreezing reports and possibly disputing any identity theft or fraud as necessary in the future. 

This is an undue burden from Equifax, a company that I have never voluntarily chosen to do business with ; they are merely a vendor of my financial vendors and creditors. 
Please take prompt and decisive action to ensure that I and others are compensated for Equifax negligence and ensure that something like this does not occur again.
Product: Student loan

I spoke with the loan company and they said they would put a deferment on my account. This was not done. Furthermore and most importantly I have one account number to reference to that is supposed to apply my payments to both the subsidized and also the unsubsidized loans. For some reason the loan company does not do this. This has made a jurastic negative impact on my credit report rating. I have made several calls including one with a representative from the school stay on the line with me to try and get information about my account and three possibly four separate occasions a representative has hung up on me. More than once I have asked for a supervisor and wrote requests for someone in charge to contact me. However, the only calls I receive are automated robo-calls and if I do manage to speak with a human being, they hang up on me and refuse to let me speak with a supervisor. I have been more than nice to whoever gets on the phone but I can not get the balances, dares, why they are only applying my payments to the subsidized loan and nothing applied to the other. I write a note on every single money order for them to apply to both loans. I can not do anything to get them to do this. If I had two separate account numbers, then I would be able to. Unfortunately I have one and through calls, notes on the acutual money order to apply to both loans and letters to apply payments to both loans they will not do this. If this is n't illegal, it should be. Until this is settled or my entire loan is paid in full, my credit score will continue to hender buying a house, a new car, or do anything that relates to a credit score rating. This also includes even being able to move to an apartment complex that requires a credit check. Please contact me if you have any advice on how to fix this issue because I am out of ideas and this company American Education Services will not apply my payments to both loans. Though I have only one account number.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account XXXX : XXXX Account Name : XXXX. XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

There are inquiries in my report that I did not authorize or initiate. I have previously requested the companies involved to remove these inquiries, but they still appear in my report.
Product: Credit reporting or other personal consumer reports

for starters, I went to XXXX point XXXX and got a XXXX XXXX XXXX from them. I was told no initially and somehow magically they called back a week later and said I qualified to find out was the loan was predatorial, and I didnt have a good enough credit, so that was XXXX thing that concerned me. The second thing was concerning me was that when I did get the vehicle I went on XXXX XXXX trip couldnt go over XXXX mph. I take it to the XXXX dealer they tell me the XXXX didnt have their software to take the governor off and that no cars should be sold with the governor on it without the buyer Knowing. I told XXXX this after I was informed I told him I did not want to car. They left the car with me and created of debt of little over {$12000.00}. How can I get this {$12000.00} debt off my credit report because of the contract in the way it was sold to me, I dont feel they did right by the consumer in a number of ways and now that Im aware and trying calling XXXX getting the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Hard Inquiry on my Equifax report on XXXX XXXX from XXXX. I believe this is from a XXXX XXXX card I ordered, however I was assured by XXXX that they would only perform a Soft Inquiry. I do not know who XXXX is and the only card I applied for in XXXX was XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB AUTO FINANCE ... I Never contact with them they put hard enquiry on my report XX/XX/2022 FOR CAR LOAN ENQUIRY
Product: Bank account or service

I had an unauthorized inquiry into my credit from PayPal Credit. I have since called PayPal Credit to remove the account. It was opened based on a former address. 
XXXX/XXXX/2015 Date of Inquiry : XXXX/XXXX/2015 Business Name : XXXX Address : XXXX XXXX XXXX Phone : XXXX
Product: Mortgage

I was in XXXX XXXX for approximately XXXX  years as a result of me losing my job due to XXXX. I recently came out of Chapter XXXX due to the death of my son in XXXX of XXXX. I was on XXXX and was unable to make any payments during the past 6 months due to reduction in income. However I made my mortgage payment on time, but the mortgage company has me XXXX months behind post post petition, due to an internal process that is no fault of mines. The asked that I pay around XXXX a month for payments that appeared to never have been credited to my account. And they have been charging me late fees every month. I went in to my account today to ensure my banking information is correct and it states I have no access to my online account. I have not received any letters and/or statements from them indicating why I no longer have access to my account. You have to call this company multiple times for someone to answer and I have emails from employees stating the errors. At this point I am afraid to deal with them without any oversight legally. It doesn't appear they want to help anyone. As of now I have a XXXX XXXX XXXX child that my son left behind that I am now caring for and I recently went back to work. I would like assistance with obtaining a loan modification and not XXXX at a 5 % rate. Can someone please help me with speaking to someone at this company and also they need to explain why they don't send statements or letters to their customers. They placed home owners insurance on my house and I have home owners insurance. I happened to see if while I had online access. Now I don't know what they are doing and they could be further scamming me.
Product: Debt collection

I recently checked my credit report and discovered invalid personal information along with fraudulent Collection account named : XXXX XXXX XXXX opened XXXX XXXX in the amount of {$450.00} which is inconsistent with its reporting across all 3 credit bureaus and several inquires appeared on my report. I have contacted the company to remove it and sent them my UNITED STATES POSTAL POLICE report and FTC report. It has been several months and I haven't gotten anything from the company as requested for the Debt Validation showing what application that has my signature applying for credit from them and authorization to access my file. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in three letters stating that the address they have on file are wrong, the only address that should be on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. Please delete all other addresses because they are outdated information, and some of them I never lived there. They still havent deleted the old address.I have been a victim of fraud in the past due to things being sent to other addresses and people using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Climb credit or XXXXXXXX XXXX  was reporting incorrect information, I cancelled class before the start and the school has been notified them to refund full amount of the loan, but climb credit or XXXX XXXX was ignore about the issue, theyve been reporting all late payments on my credit report which is damaged my credit and ruined it to get my dream home loan. This has to put the very urgent attention of this company, with the damaged and fraud credit reporting, they need to resolve and pay for the damaged of what is happening right now ASAP. Launch service or climb credit state that they has been fixed since XX/XX/XXXX, up on today its not seem like theyre doing anything, I requested the letter head of they send to credit agency. Called and called never been resolved.
Product: Debt collection

I've disputed this collection numerous times. I have no knowledge of this account. It keeps updating as if it's a new account. It shows this account was opened XX/XX/XXXX. I did not apply for anything with a debt collection company on that date. I have not received any correspondence about this debt to verify it. I've disputed it XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX with XXXX.