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

XXXX XXXX, XXXX : XXXX, Dob : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, and false information consists of a personal addresses listed on my account that I never lived at : XXXX XXXX XXXX XXXX, NC XXXX. XXXX XXXX XXXX XXXX, NC XXXX. 
These addresses have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned addresses appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer addresses, credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I had a credit card account with Capital One which I closed because of poor customer service. At the time of closing there was a credit balance in the account. According to Capital One I will have to wait 60 to 90 days to get a refund check. This is an outrage.
Product: Student loan

I opened an online account with EdFinancial using their new system on XX/XX/2023. I had logged in quite a few times thereafter to get acquainted with the system. When my loans were transferred over, even though I had specifically requested a SAVE plan, EdFinancial put me on a Standard repayment plan. Since they are impossible to get a hold of I filled out an application on their website and sent in my Federal Tax information. I continued to check the site nearly daily to make sure everything was good. On XX/XX/XXXX I was able to confirm via letter received to my EdFinancial inbox I was placed on a SAVE plan. The site reflected the same info. On Wednesday, XX/XX/XXXX I attempted to log into my Edfinancial account to make sure my payment information on my new SAVE plan was correct. I also needed to make sure I was not on forbearance so that my upcoming payments are counted to IDR ( I have an open Borrowers Defense case that had me on forbearance. ) once payments start in XXXX. At all login attempts, I receive the following message : " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' This has continued every day. I have been unable to get a hold of anyone by phone. Their automated chat works, but when you try to chat with a person, and the chat window opens, it says Chat is unavailable at this time. I sent an email on XX/XX/XXXX and have not received a reply yet. Not having access to review, pay, or make adjustments to a Federal loan serviced by EdFinancial is a violation of my consumer right to access information under the Consumer Rights Protection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a fraud Victim complaint and FTC report to XXXX   regarding the many inquires still on my report that are NOT mine and fraudulent.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX
Product: Debt collection

The fair market range price for the XXXX XXXX XXXX at the time of repossession was $ XXXX {$48000.00}. They only sold the vehicle for {$26000.00} in XX/XX/XXXX. The vehicle had XXXX, xxx miles at the time of sale. The creditor ( Ally Financial ) has purposely sold the car much lower than fair market value. The lender also never gave me any written notice of the date and time the auction was being held. The lender never gave me a written calculation of the deficiency balance, including a description of fees and charges. I was unable to participate in the auction and unable to exercise my rights in the matter. Ally Financial failed to provide me with the required written notices and destroyed my credit. I might take further legal action. Please let me know what I should do about this situation. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of my XXXX XXXX XXXX account on my Equifax credit report. This account is currently listed as charged off with a {$0.00} balance, which presents the following inaccuracies : 1. Charge-Off Status but No Balance If the debt was settled or paid, it should not continue reporting as a charge-off.

2. First Delinquency Date If incorrect, it may extend the reporting time beyond the 7-year limit under the Fair Credit Reporting Act ( FCRA ).

3. Closed but Reporting Negatively If the account was paid, it should reflect Paid instead of a charge-off. 

Most importantly, this account has exceeded the legally allowed 7-year reporting period and should have been removed from my credit report in compliance with 15 U.S. Code 1681c ( a ) ( 4 ). Continuing to report this account is a direct violation of the Fair Credit Reporting Act and is causing undue harm to my credit standing.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX  XXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed off an INVESTIGATION REQUEST LETTER to TransUnion that was certified mail Tracking # : XXXX and an information INVESTIGATION and account investigation Tracking # : XXXX. TransUnion keeps sending me mail, saying I'm a third party that sent the info. There is no third party ; it's only me. I'm familiar with something called 15 U.S.C. Sec. 1681i ( a ). I heard that these accounts must be deleted if Transunion cant provide proof. I want these accounts deleted if they are not 100 percent. Transunion had 30 days to complete this investigation.
Product: Credit card

Bank of America response stated on XX/XX/year> on complaint XXXX, they did not use my son 's business account ending in XXXX in making the decision to deny a increase my credit but all the information furnished prior to this response would indicate that is incorrect, even stating that I was a owner of that account.

Since my credit is impeccable, the only negative issue found by them was that I was a " authorized signer on another account '' not owned by me.

They state that as part of their credit review they also take into consideration signers of accounts that you are not a owner on, which is in contrast to federal laws which states signers on accounts not owned by them are not liable for that account. " Bank of America considers not only variables such as your payment history, but available credit, balances on other accounts, and overall risk when making credit decisions. This includes accounts where consumers are listed as an authorized signer. '' Bank of America should furnish this policy is part of their credit review to determine credit worthiness increases on their credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is with Equifax. The other two credit Bureaus are ok. Equifax shows NO current credit activity for over 2 years. Most accounts are over 30 years old. My score does not change since there is nothing active. I have contacted them and talked with them on three recorded calls and 3 registered letters including a 60 page summary with copies of reports. Six weeks ago, my attorney sent them a letter. Still NO response. They say there is nothing wrong with my report but it is obvious from a glance that the computer portal is not operational either by FRAUD or Neglect. 

I have attached a copy of the letter sent by my attorney with reference. 

They provide an essential service to the consumer. This kind of neglect should not be tolerated. PLEASE help, I have no other means to get them to respond and fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the three credit bureaus a letter asking them to correct this questionable information a month ago, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX 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
Product: Checking or savings account

Citibank checking account ..I was hospitalized for 9 months ..i have police report and document of all 7 doctors and staff of my condition ... meanwhile someone decided to take my identity and use it ..his name is XXXX XXXX ..It opened up credit cards and took trips shopped used all my money while i was hospitalized ..when i got better i start to open my mail i notice that i was missing XXXX and a abundance of credit card in my name ..I disputed them with Citibank XXXX.I got 1/3 of the money i got back but all the credit cards that where opened in my name and paid from my account where not reimbursed to me ..I get calls every day I have so many debt collectors and had XXXX inquiry on credit report .citibank closed that account and opened a new account for me ..but while the investigation was still going they sent me a letter saying that they have decide to stop our banking relationship with me so they went and closed even my new account ..as of today they still our investigating but didn't want to do business with any longer so now i have no bank account ..i was the victim but they screwed me like XXXX ..I still recovering from my illness ..what a kick in XXXX Citibank is ..also their was a XXXX paymet made to a credit card that they cant find where it went XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am forwarding this complaint myself. There is no third party involved in this request. This SELF / LEAD with Account number XXXX appeared to be included in Bankruptcy which is erroneous because this account is {$0.00} in balance and it only reports on my XXXX. I have no idea about the said account. Send any and all documentation that validates your investigation and comments and that the 3 Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately.
Product: Vehicle loan or lease

Back in XX/XX/XXXX I refinanced my used vehicle XXXX XXXX XXXX. My previous lender was XXXX XXXX XXXX. 
New lender was XXXX XXXX XXXX XXXX XXXX XXXX ). Literally the same day I signed the contract I received notification from XXXX that my loan is being assigned, sold or transferred from XXXX to XXXX XXXX with servicing to be provided on their behalf by Innovate Loan Servicing Corp. ( with the same terms and conditions ). 
Beginning XX/XX/XXXX I started making payments to XXXX XXXX. 
I have made total payments in the amount of {$3500.00} ending in beginning of XX/XX/XXXX when I again refinanced my car to XXXX XXXX XXXX. 
The reason I decided to refinance was to lower XXXX more than with XXXX, where it was about 1 % down - now my XXXX was decreased from almost XXXX to 6.49 % XXXX. 
Just paying your attention for one detail : when refinanced with XXXX they put my employment as XXXX XXXX with unknown company despite I put XXXX ( XXXX and XXXX ) in application as my primary and only source of income. 
When switching to new ( latest ) lienholder from XXXX XXXX XXXX XXXX XXXX loan was funded by XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX paid to first XXXX ( XXXX XXXX XXXX  ) when I refinanced {$25000.00} ( payoff amount ) When refinanced with XXXX - they paid {$24000.00} to Innovate. 
My total loan balance decreased for less than {$1000.00} despite I paid to Innovate ( XXXX ) {$3500.00} for the period of 7 months with simple interest rate of 10.98 %. 
I suspect I have had usury loan from XXXX ( Innovate ) with hidden fees and charges. 
I also had GAP Contract with XXXX ( Innovate ) that must be cancelled when refinanced. And now I have new GAP Contract with new lender XXXX. 
I have contacted multiple times with Innovate ( XXXX ) recently by email ( messages ) and by calling them regarding getting refund for cancelled GAP. 
Regarding GAP  refund I was told by GAP  company ( https : XXXX ) I need to contact seller, i.e.Innovate. When reached GAP by phone they confirmed my GAP contract # and was then told I have to call them different time about refund cause they are not available. It's like the circle ... completed... 
When I asked Innovate ( by phone ) about loan charges they responded like refinance loans always work this way - more money goes to interest. 
Was it like I wasted my money paying off the loan that after 7 months of payments I owe almost same amount when car value drops much faster?! 
Also I want to add that as for today as seen from XXXX payment page it still shows my next payment due is on XXXX, despite loan was refinanced and they received payoff payment from XXXX on XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately and informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offender to exploit the system leaving users vulnerable. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681 ( b ) - 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 : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give Experian any permission to report Anything to my credit report.
Product: Credit card

I received a letter in the mail from Sears Credit Services congratulating me on being approved for an upgrade to the Sears Mastercard. It indicated that I will automatically be upgraded to the mastercard unless I decline by calling XXXX or visiting card offer.searscard.com by XX/XX/2016. I phoned the number and learned that my account was a closed account, which I knew and wanted to keep it that way. When I was transferred to a customer service representative who could help I was put on hold and then hung up on. I do n't want any additional credit and I do n't feel Sears or XXXX should be able to " open '' an account automatically unless I decline their offer, especially on an account that is already in a closed status.
Product: Credit card or prepaid card

I received a letter dated XX/XX/2022 from Comenity Capital Bank in XXXX, Ohio denying my credit application. The letter stated the reason as not being able to verify my SS # but the XXXX XXXX provided is correct so someone actually checked. I did not apply for any card with this company. I had not even heard of them and XXXX it to find out who they are. 
I tried several times to contact this bank to correct and inquire about this. Three times I could not get past the voice prompt. On the fourth call a woman said she was directing me to the fraud department. I was on hold for XXXX minutes and XXXX seconds and the call disconnected.
Product: Credit reporting or other personal consumer reports

Since early XXXX I have been in the process of trying to get a loan to pay off my negative equity of my car. I have noticed each time, Im declined. Finally a couple of days I ago, I decided to pull up my credit report from Experian and noticed that they were reporting that I had high delinquent activity.

So I pulled my full report on Experian, and saw there was no delinquent activity. I have 15 accounts and all accounts are current and never late. 
For example, my Fico score XXXX in AUTO says I have High delinquent activity. But, Not one of my car payments in the last 8 years have been late, repocessed or delinquent. Matter of fact I have never had delinquent activity on ANY of my vehicles. So my Fico score is XXXX why is Experian saying high delinquency? Is this a sick game????

It made complete since, as to why I have not been approved for any personal loans.

So I sent a complaint to Experian dispute center, they emailed me this morning saying I reached the membership center ( not true ) and to call their number. When you call their number it never directs you to a dispute center.

Its illegal for a consumer based company to continually put fraudulent information on someones credit report. They know that! It stops a person from purchasing a home or car and it affects our lives tremendously.

So far every response from them is from a robot.
Product: Credit reporting or other personal consumer reports

At the beginning of XXXX  I did not receive my monthly statement from XXXX XXXXXXXX XXXX XXXX. I called but was told to wait, that it was probably delayed in the post-XXXX backup at the Postal Service, etc. It still did not come. I complained again. Eventually I was given the balance information and we agreed that I would send payment right away AND that any fees or late charges would be reversed. I paid. My account was corrected. However, XXXX XXXX XXXX XXXX still reported me as late on payment the month of XX/XX/. For all the years before - and - the time since - I was NEVER LATE. The bank refuses to delete the XXXX month of late payment to credit reporting agencies. This is both very poor customer relations and is offensive to the public because the bank failed to mail me my statement. The problem was caused by XXXX XXXX XXXX XXXXXXXX 's own operations, NOT BY ME! I voluntarily contact the bank multiple times, but it still did not send the statement. I ACTED IN GOOD FAITH by paying without a statement to verify charges. XXXX XXXX XXXX XXXX XXXX HAS ACTED IN BAD FAITH throughout.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a serious issue with my credit report that has been causing me considerable financial harm and emotional distress. It has come to my attention that XXXX, Experian and XXXX, the credit bureaus responsible for maintaining my credit history, have incorrectly reported a bankruptcy on my credit report that does not belong to me, despite providing all necessary proof to demonstrate that the bankruptcy is not mine. I have already reached out to each bureau multiple times. I have submitted a letter from lexis nexus where lexis nexus has removed this false information from their files, yet the bureaus are refusing to comply! 
I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) obligates credit bureaus to ensure that the information they report is accurate, up-to-date, and complete. The FCRA also requires credit bureaus to investigate disputes within 30 days and, if the dispute is found to be valid, to promptly correct the erroneous information. 
In my case, I have complied with all the requirements of the FCRA by disputing the inaccurate bankruptcy information and providing all the evidence to show that the bankruptcy is not mine. However, the credit bureaus have failed to correct this error on my credit report, which has resulted in significant financial harm to me. 
I would also like to draw your attention to the Consumer Financial Protection Bureau 's ( CFPB ) mission to protect consumers from abusive and unfair financial practices. I believe that the credit bureaus ' inaccurate reporting of the bankruptcy on my credit report violates this mission, and I would like to request that you investigate this matter and take any necessary action to ensure that the credit bureaus promptly remove the erroneous information from my credit report. 
I kindly request that you inform the credit bureaus to provide me with a copy of my updated credit report after the erroneous information has been corrected. 
I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX attached are the same bs letters they keep sending me, along with the XXXX UNVERIFIED AND REMOVED letter. than you!
Product: Debt collection

This company is attached XXXX was paid and the company continues to try and collect a debit which was paid to the original creditor Debit Collector CREDENCE RESOURCE MANA Balance {$290.00} Balance updated XXXX XXXX, 2023 Contacted XXXX and they have no knowledge of this account.