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

I am filing a complaint against Experian. I submitted a dispute for fraudulent accounts on my credit report. I mailed this certified mail tracking number XXXX XXXX it shows it was delivered as of XX/XX/year>. However I received an email today stating that it appears the dispute was not sent by me. 

To support my claim, I provided a police report filed with XXXX Police Department, an FTC Identity Theft Report, both notarized, as well as a copy of my identification ( government issued ID and social security card ) and a recent bank statement showing my current address, in accordance with the requirements outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). If you are aware, you can NOT get anything notarized unless the notary have obtained a copy of your government issued ID. So with that being said, it was sent by XXXX and it is illegal for you to refuse to process a dispute. Despite providing Experian with the requisite documentation, they have refused to process my dispute on the grounds that they do not believe I am the one who initiated it. This denial is not only unjust but also in violation of the FCRA, which mandates credit reporting agencies to investigate and correct inaccurate or fraudulent information in consumers ' credit reports. 

Furthermore, as a resident of Texas, I am protected under the Texas Identity Theft Enforcement and Protection Act, which guarantees consumers the right to dispute fraudulent accounts resulting from identity theft and requires credit reporting agencies to investigate such claims promptly. 

Experian 's failure to adhere to these laws not only jeopardizes my financial well-being but also undermines the integrity of the credit reporting system as a whole. I demand that Experian immediately initiate a thorough investigation into the fraudulent accounts on my credit report and take appropriate actions to remove them, as required by law. 

Additionally, I request that the Consumer Financial Protection Bureau intervene in this matter and ensure that Experian complies with all applicable consumer protection laws and regulations. 

Enclosed with this complaint, please find copies of all documentation previously submitted to Experian in support of my dispute. 

Thank you for your attention to this matter. I look forward to a swift resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has repeatedly reported inaccurate information on my credit report that has caused significant hardship. I have been fighting to get this inaccurate information removed for over 2 years. 

Back in XXXX, I submitted disputes to Experian for inaccurate charge off dates and the company repeatedly verified this incorrect information. Frustrated with lack of action from XXXX XXXX I resigned myself to wait 2 years until this information would be removed because it is over 7 years old. I  again disputed the incorrect information and account that was more than 7 years since the date of first delinquency and the company did not remove the account. Plus they reported the account as being charged off in XX/XX/XXXX and XX/XX/XXXX which dropped my score 40 points. The date of first delinquency was in XX/XX/XXXX therefore the negative information should be removed because it is over 7 years old. 

The company needs to remove this account off my credit reports or I will be seeking damages in court for the last 2 years of incorrect reporting. 

Here is the copy of my orginal complaint back in XX/XX/XXXX " After a dispute, XXXX XXXX XXXX  verified incorrect information on my Experian Credit Report. In XX/XX/XXXX I first became delinquent on my XXXX XXXX Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on Experian. I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my Experian showed that my XXXX XXXX Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my Experian report. The company then verified the false information and the dispute was closed. I wrote and called XXXX XXXX to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint. '' For documentation I have attached a dispute from XX/XX/XXXX that shows the correct infomation but does not list a date of removal, I've attached XXXX dispute results that show incorrect charge off date and incorrect date of first delinquency, and XXXX dispute results with another incorrect charge off date and incorrect date of first delinquency. Finally, I have attached a letter from XXXX XXXX admitting the information is incorrect. It is the companies responsibility to report accurate information. I will be suing if you do not remove this from my report.
Product: Credit card or prepaid card

I placed an order XX/XX/2017 and I paid with my Comenity Bank/XXXX   credit card. I did not receive the items, and immediately advised XXXX customer service of my issue and called them several times after my initial call. I did not receive a response from Loft until XX/XX/17 asking for clarification on which items I did not receive. I immediately emailed customer service back the same day and advised that I did not receive any of the items I ordered. I did not receive a partial refund to my account until XX/XX/2017. I had to make several more calls for the other portion of my refund which was finally refunded on XX/XX/2017. I had to make several payments to avoid being reported late even though I did not owe any money. By the time everything was refunded I was advised by customer care that they would not report the late payments to the credit reporting agencies because of their negligence. However, I have been reported late and they are advising there is nothing they can do.
Product: Student loan

Navient Solutions ; In response to complaint ID:XXXX ; Requested legally required documentation supporting the detailed information in amounts owed, etc. for student loan accounts. Was not provided within the timeframe given via direct mail correspondences. Received one letter with nothing requested other than account amounts which is unsatisfactory and required to be provided by law. Violating the Truth In Lending Act and other applicable laws. Thus lawsuit filed. Dismissed without prejudice with intent to resubmit in making corrections as per the judges recommendations. Navient states they have provided " copies '' by mail as well as supposedly resubmitted with the previous CFPB complaint listed above. No attachments provided once again. Nothing actually providing legal proof for Navient to continue with it's illegal activity in maintaining these accounts. Also threatening the consumer with emails regarding credit score decreases for nonpayment while in the process of disputing the accounts with Navient directly. The persons credit was then harmed during this process despite a formal investigation requested into the validity of the student loan accounts, amounts owed, and the legality of their ability to collect money from the consumer. FTC, FDCPA, FCRA violations. Thank you for advice in filing fraud and police reports regarding this matter.
Product: Credit card or prepaid card

I have had this particular card for over a year and I have been in good standing paying off my balance in full each month. I have been spending over {$500.00} a month by making payments before my statement posts, but my credit limit has remained unchanged at {$500.00} for about a year. I was recently denied a credit line increase and I sent a written letter to the company asking for an appeal to this denial as the reasons cited in their automatic reply were vague and offered no guidance as to what would let me qualify for a higher limit. The low limit has caused some trouble when I travel abroad ( such as with hotel check in and such ). The reply I received was not helpful and declined to address my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX back on XX/XX/XXXX stating that this is fraudulent information. Equifax created this dispute in their system as confirmation number XXXX. The Consumer Financial case number was XXXX, I asked that this information is deleted & blocked from my credit report, which they did. The results of this complaint are as follows Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated there were items appearing on your credit report inaccurately reporting. The Results of Our Reinvestigation : Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The Results of the Reinvestigation were mailed to you on XX/XX/XXXX, please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please visit us at https : //www.ai.equifax.com/CreditInvestigation/home.action, by mail to XXXX XXXX XXXX, XXXX GA XXXX or by calling a Customer Representative at ( XXXX ) XXXX from XXXX XXXX. to XXXX XXXX. Monday Friday in your time zone. 
Now on XX/XX/XXXX, this account has been added back to my credit report.
Product: Debt collection

I was garnished for my delinquency on my capital one account. The garnishment paid in full the amount owed. They've reported that i still owe XXXX , completely fraudulently.
Product: Credit reporting or other personal consumer reports

Continue to Report inaccuracies and misleading information on my credit report. These unfair practices and misleading representations are causing harm to my livelihood. Miss representation of my account status or actions I have taken to address these issues. Lack of and transparent responses to my disputes as mandated under the FCRA. Accurate report of payments, collections, inquiries, and balance information. These practices have caused harm to my financial state and violate federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$3100.00} XXXX XXXX {$450.00} XXXX   XXXX {$3800.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX   XXXX {$2200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXXXXXX {$1900.00} XXXX   XXXX  XXXX {$46000.00} XXXX XXXXXXXX XXXX {$100.00}
Product: Mortgage

On XX/XX/XXXX- I tried to pay my XX/XX/XXXX payment using the online services on NewRez website. When I selected the XX/XX/XXXX payment and the computer must have autoselected the XX/XX/XXXX payment, so when the payment went through, it was for two payments {$2100.00}. I only had enough money in my account for one payment. I called NewRez when it opened and was told by one of the representatives that the transaction would be cancelled and I could possibly resubmit the payment by the end of that day. That did not occur. 

XX/XX/XXXX I received a credit of one payment to my account XX/XX/XXXX I called and spoke with a NewRez representative " XXXX. '' I told him that money was deposited into my account and that I was unable to pay my mortgage using the website. XXXX advised me to leave the money in my account over the weekend and that NewRez would recognize their mistake and take the money back out of my account. 

On XX/XX/XXXX I called NewRez and was transferred to the XXXX XXXX side of the company. I spoke with XXXX XXXX who told me that I owed {$5100.00}. I was transferred ( escalated ) to XXXX XXXX who said he would return my phone call after he investigated my claims. 
On XX/XX/XXXX I spoke with XXXX XXXX by phone ( XXXX ), who called me to tell me that I was behind three months because I had a NSF on XX/XX/XXXX. I asked XXXX XXXX why my XX/XX/XXXX payment was not credited to my account and why did I receive a payment credit to my account from NewRez. He did not have an answer. He said he would escalate my account and that someone would get back with me. I asked him why I could not pay my mortgage online and he said that there wasn't any restrictions. 
I attempted to pay my mortgage online XX/XX/XXXX and was unsuccessful. I received a message that stated that my account was more than 3 months overdue for payments. 

XX/XX/XXXX sent a paper check to the payment address in XXXX. When I returned home, I received certified mail that stated the correspondence was " Notice of Default and Intent to Accelerate ''. The letter states that I owe a sum of {$5100.00}. This sum includes late fees from another lender that were in dispute, because just like this lender, the past lender accused me of not making payments when I did. The previous lender also tried to charge me for attorney fees when it was determined by CFPB that I was correct. The letter states I have 45 days to cure.
Product: Vehicle loan or lease

when I sign up to buy the car under financing and 2 month later I found out they put me into leasing. for two year and take my down payment in to initial payment for the lease ...
Product: Debt collection

There was a violation from the XXXX XXXX XXXX. Which was n't mine because the vehicle was stolen. I notified them and the account was sent to collections. I disputed the collections with the collections company Linebarger Goggan Blair & Sampson LLP back on XX/XX/XXXX and also on XX/XX/XXXX I have called twice and still no resolution to collections matter. I called today XX/XX/XXXX and they stated it is still under review. I tried also calling the XXXX XXXX XXXX and they referred me back to collections, I do n't believe I should have to wait 3 months for a reply on debt that is not mine. I want it cleared up asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company named XXXX did a hard inquiry on my account without my permission. I called experian to dispute and they refused to do that. They said I have to call the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls/Cap One is reporting me late for XX/XX/20 and I would like it removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time. I ask that Kohls make a goodwill adjustment to have this removed.
Product: Vehicle loan or lease

Titlemax Complaint I am filing this complaint to expose the retaliatory treatment that I am receiving from Titlemax which has caused me a great hardship. Hopefully, this letter will initiate an investigation and help other victims that are affected and helpless and subjected to Titlemax inconsistent and retaliatory behavior. 

On XX/XX/XXXX, I sent a complaint letter to Titlemax in reference to the rate they had given me for my renewal which was different from the original approved rate for the maximum amount of the loan on my XXXX XXXX  ( please see attached ). 

Once Titlemax received the complaint letter, they immediately locked my account so I was unable to pay on or pay off my account. Yet, I was continually being charged a daily interest at the higher rate. 

After several unsuccessful attempts to get the rate changed back to the original agreement, I informed Titlemax Customer Service via telephone call and e-mail that I wanted to end my relationship with them ( See Attached ) and that I needed to payoff my account and receive my title. 

I made numerous calls to the local office and Customer Service. I was promised call backs that I never received. I expressed to the local office on at least XXXX occasions that the inability to pay my account off was causing me a hardship because I needed my title. 

The Manager XXXX XXXX ) stated that she sent an e-mail, which according to her, was the only thing she could do and e-mailing was the only option Titlemax required her to do, and that she was waiting for a response. 


As of this date my account is still locked and I can not payout my account or pay on it. My daily interest rate has accrued for the entire month and I am required to pay that amount up front before any additional amount would be applied towards the principal. 

My husband lost his ability to work in XXXX due to XXXX XXXX and as of this date he is still unable to work. We are trying to make financial adjustments to be able to continue to meet our obligations. It was our intent to payout my loan with Titlemax and get a loan with a lower rate with another lender and use my title as collateral. However, Titlemax is making that impossible and causing us additional financial hardship. 

I do not understand the logic of locking my account and not allowing me the option to payout or on my account. Its obvious to me that Titlemax is retaliating against me for writing a complaint letter. 

I have been doing business with Titlemax for many years. My account have always been current and never in jeopardy of repossession or collections. 

However, If the current status changes, and my account goes into a negative status, it would be due to titlemax still having my account locked and not allowing me the ability to make a payment. 

Please investigate this matter and this companys unfair practices. 

Due to the hardship and mental stress Titlemax has caused me, I felt that they should be held accountable for this unnecessary treatment. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently learned that my identity had been stolen, and someone, had been using my personal information, without my consent. Ive never lived at such addresses on my report, XXXX XXXX XXXX XXXX XXXX, md XXXX XXXX XXXX, XXXX texas, XXXX cromwell, XXXX texas, XXXX XXXX XXXX , XXXX texas, XXXX XXXX XXXX, XXXX texas, and XXXX XXXX XXXX , XXXX texas. ive detailed to the credit bureaus, about this information, creditors likke, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, these companies, i have no relations with, and have never beneffitted from their services. i have written the credit bureaus, asking them to remove this erroneous information, and to date have recieved nothing back from them. i have never given the credit bureaus my cosent, to place any of these, creditors information on my personal credit file. i need my good credit, badly as i am a full time caregiver for my mom, can anyone please help me.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I had late payments on an account. I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abilities with maximum accuracy. I was not late on payments for the accounts that I have included in the screenshots and in this complaint. 

Company : XXXX XXXX. 
Account : XXXX I has requested and was approved for a deferment due to covid XXXX medical illness for while caring for my parents whom both succumbed to their illnesses XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and, for the month and year, put the two-digit date for the month and the two-digit date for the year. Please investigate and provide proof with statements showing that these late payments were late. If proof can not be provided, I demand these payments be updated to Paid as Agreed on time as they should be, due to the fact I was never late. Thanks! Please see the screenshot attached. Remember, when you go to the screen, attach that screenshot to a late payment that they had reported. 

XXXX XXXX XXXX XXXX XXXX XXXX and provide proof with statements showing that these late payments were late. If proof can not be provided, I demand these payments be updated to Paid as Agreed on time as they should be, due to the fact I was never late. Thanks! Please see the screenshot attached. 

XXXX XXXX XX/XX/XXXX to XX/XX/XXXX I closed the account and was still being charged administrative fees. Please remove this account. 

Santander Please remove account. fail information is still being reported after car was stolen and paid off by insurance company. The credit bearues are in correctly reporting
Product: Credit reporting or other personal consumer reports

Account is derogatory and per the FCRA 15 U.S.C. 1681i, if an account is showing unproven, non-compliant, incomplete, untrue, Incorrect and unverified aspects and the alleged derogatory account must be negated in its entirety, or the accounts are to be completely deleted. 

I have not supplied proof under the doctrine of estoppel by science, Engelhardt v, Gravens ( mo ) 281 SW 715,719 I presume no proof of the alleged debt nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

I've requested numerous times to freeze my credit report online and by mail. But yet I'm met with stall tactics asking for my ID and social security number putting my personal information at risk. I'm requesting that all these Consumer to Freeze my personal file. I will not keep submitting information and being told nothing came in the mail. Under the provision of 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. These follow Consumer reporting agencies refuse to freeze my personal credit file. 
XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I closed my XXXX {$19.00} home DSL account XXXX/XXXX/2015. Two weeks later I am receiving collection calls from this agency for a debt I do not owe of $ XXXX on my former XXXX account , before I even received my final bill from XXXX . I contacted XXXX, they claim no knowledge of this company or turning me over for collections, & claim to be sending me a revised final bill for a lesser amount which I have yet to receive. This debt collector has been instructed to STOP calling me yet continues to do so for a debt that is not mine, that is in error, & that is been denied by XXXX.