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

I contacted Experian about the inaccurate addresses on my credit report. XXXX XX/XX/XXXX and again XX/XX/XXXX when I received a reply stating no changes were made to credit report. 
I disputed the addresses they are reporting which are not deliverable by the post office. 

The following addresses are inaccurate : XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX CANT BE ABBREVIATED ABD THERES NO APARTMENT NUMBER. Mail would noit be delivered to me at this address. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX. Again there's no apartment number and the XXXX  digital code is incorrect. 
My correct address is : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX I included copies off my current address as proof. The reply was sent to the correct address I submitted to them and yet the have not changed my credit report. 

The FCRA states that the information contained within my credit report is to be accurate and when there's an inaccuracy that it is to be corrected and a new report is sent to creditors in which the applicant applied for credit within the last 30 days.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing after getting a copy of my most recent consumer report from the CRA 's dated XX/XX/year>. 

The reporting of the XXXX XXXX account showing a Late Payment is violating my Consumer Rights. Please see the attached credit report showing the late experience currently impacting my creditworthiness. 

Please note : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LIl / Legal Information Institute 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Simply put my PAYMENT TRANSACTIONS and/or EXPERIENCES should NOT be included on my XXXX/Equifax or XXXX consumer reports.

I am NOT seeking remedy at this time. Willful continued neglect to respect my Consumer Rights will cause me to seek proper remedy. Please reverse your reporting of this late payment to show pays as agreed or OK to restore my credit profile to Exceptional status. 

This current reporting is directly affecting my credit worthiness, standing, personal characteristics and my ability to obtain credit. Please provide me with an updated report by mail at my address on file with the bureaus and XXXX XXXX. 

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

Early Warning Services continues to report incorrect information. Their inaccurate reporting is the SOLE reason I am being denied the opportunity to bank at SEVERAL financial institutions. I have attempted to resolve the issue with Early Warning to no avail, and have previously submitted a CFPB complaint, to which they responded with a form response. I am also a member of the class action litigation that has been successful against them, and they STILL refuse to delete the incorrect and inaccurate information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this account as soon as possible.
Product: Debt collection

NOTICE OF DISPUTE! 
I had a credit card account with CELTIC BANK which was charged off after I asked the bank to show me the full accounting on my account. Now I have a collection on the Credit reporting agencies that XXXX IS NOW THE CREDITOR of this charged off account and has placed a collection status. I don't know this company, nor do I have a contract with them. They have defamed my character, slandered my credit and invaded my privacy! I know now that credit card account are non-transferable and non-negotiable. Please explain how this company I don't have a contract with can claim to be the creditor and try to collect on a non-negotiable, non-transferable account that has allegedly been charged off after I asked to see the books on it? Isn't that fraud? Doesn't Celtic Bank have an obligation to me under T.I.L.A to show me what I asked for+ Since the debt wasn't created until I extended my credit doesn't that make me the Original Creditor in Fact? I know the CFPB just got a {XXXX XXXX settlement from XXXX Bank for not complying with T.I.L.A and violating consumer rights like Celtic Bank did with me.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

Hello this company continues to harass me and skip trace family members I have never heard off but the family members are finding me via social media. I have asked to go to court they keep reselling this when I'm already paying a company and sent the proof. I've emailed and mailed cease and desist and they will not stop. I contacted my attorney he advised me to file a complaint here first.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX XXXX XXXX balance {$520.00}, XXXX XXXX XXXXXXXX balance {$130.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$4100.00}, XXXX balance {$950.00}, XXXX XXXX XXXX balance {$270.00}, XXXX XXXX XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$570.00} XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit card or prepaid card

In XX/XX/2022, I filled out a credit application for a credit card and I was denied the card. I am aware that I extended the credit and the extension of the credit is a consumer 's right. Since, I am the creator and maker of the account, i did not receive the value to use for the primary purposes which is for personal, family and household purposes. I sent correspondence to Aspire Credit Services requesting to correct the error in their system and send me a credit card with a {$5000.00} credit limit OR return the property ( credit application ) to me, the consumer as it is my right of possession since it has all my private information on it. Aspire credit services are in violation for discriminating against the consumer and by action ; showing that they use unfair and deceptive business practices. The consumer, preserve her rights to receive compensation for the emotional stress that was placed on her due to Aspire Credit Services violating the federal laws. Aspire credit services is required to return the credit application or send the credit card as requested.
Product: Checking or savings account

I filed disputes on unauthorized charges on my account. They denied them so I appealed : 1 of the disputes was approved but they denied the other two disputes even though they were the same merchant, same dates, same unauthorized charges. Then, they said they were closing my account. I tried to appeal the denials but then they told me that since they closed my account I bc ours no longer dispute any transactions nor could I appeal any denials of the unauthorized charges. The disputes totaled {$1100.00} and out of that, I have received credit for {$320.00} then they went back and charged me for disputes I filed on a different site who double charged me on transactions and they preliminarily credited me for they took those back and charged my account for those which negated the credits I received. They have never answered my responses to their emails, only replying with if you have any further information please respond to this email. When I call to their customer service now they tell me there is nothing I can do because they closed my account. This has been the most ridiculous situation I have ever been a part of.
Product: Debt collection

ATTENTION TO ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2100.00} does not belong to me. This account was fraudulently opened through this company ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire SOME FORM OF ACCOUNT I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX, has XXXX XXXX XXXX. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Vehicle loan or lease

CAPITAL ONE AUTO FINAN In accordance with the Fair Credit Reporting Act You CAPITAL ONE AUTO FINANCE have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED SEVERAL LETTERS IN XXXX ASKING TO REMOVE ACCOUNTS THAT ARE NOT MINE, THE LAST LETTERS WAS SUBMITTED XX/XX/XXXX I WAS TOLD BY THE CREDIT BUREAU THAT THEY DO NOT HAVE TO PROVE THAT ANYTHING IS MINES AND THEY CANT REMOVE THEM UNTIL I HAVE A LETTER FROM THE CREDITOR SAYING THAT THE BILL HAS BEEN PAID IN FULL. SOME OF THESE BILL ARE FROM ADDRESSES I HAVE NEVER LIVED AT, ANOTHER ONE I HAVE A COURT DATE FOR BUT DUE TO COVID IT KEEPS GETTING RESCHEDULED I HAVE ALSO REACHED OUT TO SOME OF THE CREDITORS MYSELF TO ASK FOR COPIES OF ANY INFO THE MAY HAVE AND NONE OF THE COMPANIES HAVE GIVEN ME ANYTHING, I HAVE ASKED TO PLEASE REMOVE THE ITEMS AND THE CREDIT BURAEU REFUSE TO CAN YOU GUYS PLEASE HELP XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$9600.00} HEARING IS XX/XX/XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Student loan

Upon entrance into XXXX, I was unable to afford college without help from grants and private school loans. I began taking out loans in 2005 with XXXX XXXX who more recently transferred all of my remaining loans to Navient. I have contacted every department possible, beginning with XXXX XXXX and now Navient, to attempt to consolidate and or refinance my remaining loans and have had no luck. I have been told over and over that they " ... do not consolidate or refinance loans ''. This to me is absurd. I am being held to live with what my interest rates, credit score and risk level was at the age of XXXX ; when I did not have credit or time to even establish any. I currently have loans with interest rates exceeding % 16. With my total owed amount exceeding XXXX, my principal payment is XXXX {$300.00} while the interest is in excess of {$700.00}. It 's robbery! This monthly payment is higher than my mortgage payment on a {$220000.00} home. I have also been denied internal Navient assistance programs and have had to go to top leadership for approval as a result of getting a new car loan ( after being in a total loss car accident ) and after obtaining a mortgage ( that was less than my monthly rent payment ). Navient has stated over a and over that I am not allowed to acquire ANY new loans until they have been paid in full or I will not qualify for their help programs ; even in the instance that the new loans are cheaper than the previous monthly bills. This company basically regulates your life! If you do n't pay, they have been authorized to garnish your wages. I have exhausted every avenue known to me, to include contacting outside banking institutions that used to consolidate private loans and now no longer do so. Resulting in me being stuck with Navient. I really hope this lawsuit shines light on this situation and brings it to the attention of new college students in their efforts to pay for school.
Product: Credit reporting or other personal consumer reports

Ongoing Negligence by Credit Bureaus and XXXX XXXX XXXX XXXX I have been a victim of identity theft since 2018, and despite taking numerous actions over the years to address fraudulent accounts on my credit report, the XXXX major credit bureausExperian, XXXX, and XXXX failed to correct these errors. 

Actions Taken by Me : I have repeatedly disputed the fraudulent accounts with all three credit bureaus, providing supporting documentation each time. 
Despite my efforts, the credit bureaus have relied solely on their automated E-OSCAR system to process disputes, rather than conducting a proper human investigation as required by law. 
The results of these disputes have consistently come back as " verified, '' which is false and demonstrates their failure to perform a thorough investigation. 
Negligence by Credit Bureaus : The credit bureaus have not fulfilled their legal obligation to investigate disputes properly under the Fair Credit Reporting Act ( FCRA ). 
They have also sent my personal information overseas to countries like XXXX and the XXXX, which raises serious concerns about data security and contributes to the growing issue of identity theft. 
XXXX Breaches and Their Impact : In addition to being a victim of identity theft, I recently discovered that my personal information was impacted by a data breach at XXXX. 
Furthermore, XXXX XXXX leaked my data, compounding the damage caused by these breaches. 
XXXX and XXXX XXXX : The negligence of the credit bureaus and the mishandling of my personal information have caused significant harm to my life, including : Severe financial burdens. 
Defamation of character. 
Inability to purchase a home for myself and my children, as I am a single father. 
Emotional distress and damage to my livelihood. 
Demands : I am demanding the immediate deletion of all fraudulent accounts from my credit report. Additionally, I believe I am entitled to compensation for the negligence and harm caused by the credit bureaus ' failure to act responsibly.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$85000.00}, {$50000.00} and {$18000.00} respectively. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Loan was paid in full for an RV on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX I still do not have a title or a signed letter from the company saying the loan was paid off. 

Every time I call, I get a different answer from their customer support. 
1. We have 14 days to get you the title.

2. We have 10-15 business days to get you the title.

3. You live in the state of Florida so the titles are electronic.

4. We mailed the title on XXXX XXXX. 
5. It does n't look like we filed the right paperwork to transfer the title. 

So I still do n't have a title.
Product: Credit reporting or other personal consumer reports

The inquiries were not initiated by me and I firmly believe they are fraudulent. I request a thorough investigation and immediate removal from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank statements, the payment was made and processed on time. I have enclosed copies of the payment confirmation for your reference.

Account Closed : The account in question had been closed before the reported late payment, and no charges should have been accrued during that time. Attached are documents showing the closure date.

Clerical Error : There appears to be a clerical error in the reporting date. The date of the late payment does not align with my account history or payment records.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX