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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} My information may have been impacted by the XXXX XXXX XXXX and XXXXXXXX data breach and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists I am the XXXX XXXX XXXX XXXX I have paid every loan and credit card I ever had without missing a payment I do not recognize these cards Nor do I recognize these inquiries on my account I decide to check my credit as I received info about a data breach realizing there were these collections I never saw also I see the collections are very old pass Ohios date of deletion so why are they on my credit
Product: Credit reporting or other personal consumer reports

Please on my XXXX XXXX and Equifax credit report there's still 1 delinquent account on my credit report but when you check XXXX there's no delinquent account on my XXXX. Also when you check the payment history of the XXXX XXXX it shows I havent missed any payment from there because they fixed it but XXXX XXXX and Equifax dont want to update the credit report. I kept contacting them messaging them to update that one late payment on my account because XXXXXXXX XXXX  updated remove the late payment and the account is been paid off since XXXX. Please I want XXXX XXXX and Equifax to update my account and removed the late delinquent they have on my account, because when you check the payment history from XXXX it says XXXX missed payment so I dont know why they dont want to update my credit report. Pleased here is the Closed account information, XXXX XXXX XXXX, Missed payment XXXX Time 30/60/90 days late XXXX Remarks closed. please this is the information. XXXX already updated the account information but XXXX XXXX and Equifax dont want to update the account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below was still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$34.00} ; XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX  with three letters with no response at all. 

I also sent letters to XXXX, XXXX  and experian asking for them to verify certain accounts with the following law below but no proof was sent by any collection agency or original creditor. 

" You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted several dispute letters asking how the accounts that are reporting negative on my credit report were verified. no response was ever given to me and the accounts continue to report incorrectly. both XXXX and experian are reporting these accounts incorrectly since they have not been verified and no proof has been given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute letter to Experian regarding a XXXX account listed on my credit report. I sent a factual dispute with screenshots pointing out the errors and inconstancies listed. I recieved a letter stating that, " Unless I send relevant information to support my claim it will not be reinvestigated. '' Well I sent a screenshot of the adverse information. That should be " relevant ''. In the screenshot you can clearly see there are discrepancies from one credit bureau to the next. If this is the same company sending information regarding an account it should match.
Product: Credit reporting or other personal consumer reports

two orders were placed in my name through the affirm.com account. I called 14 times in the month of XXXX, and 11 times in the month of XXXX reporting and getting updates of the fraudulent activity. On XX/XX/XXXX I was told that an " unauthorized activity investigation '' had been opened and I would not be responsible for the unauthorized transactions. '' Since then Affirm has texted me, called me, emailed me, and refered my account to collections. Each time I have had any of the above contacts I have immediately called to verify that this matter was being investigated and that I was not held liable. Today I was contacted by Affirm 's collections department trying to collect the debt which the Affirm system had identify as delinquent. I was threatened with credit reporting action, and again, I verified that the accounts were from fraudulent transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with representative at XXXX County XXXX XXXX in XX/XX/2020. Was told that when my back XXXX XXXXt ( including arrears ) is paid in full it will be removed from all three bureaus ( in approximately 30 days ). 

I've completed what was requested of me and I am completely up to date yet the account is STILL reporting negatively on my account after I WAS TOLD that it would be removed within approximately 30 days. 

The current reports are completely incorrect and must be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX ran my credit multiple times after being notified that I was not purchasing a vehicle at their dealerships. There are a total of 6 hard inquires from XX/XX/XXXX to XX/XX/XXXX. I only authorized 2 of these hard inquiries. They did this in an attempt to negatively impact my credit score.
Product: Debt collection

XXXX from USAA XXXX from USAA XXXX from USAA call I have No hands to answer USAA is aware of my XXXX USAA gives ME NO ACCESS ON LINE OR BY PHONE USAA can not verify me a member of 35 years THIS IDENINITY THEFT WAS REPORTED TO THEM XX/XX/2018 UNRESOLVED AND SENT TO COLLECTIONS LOWERING MY CREDIT SCORE XXXX POINTS THIS HAS DESTROYED MY FI NANCES AND NOW HAS DESTROYED MY HEALTH I REFUSE TO CONTINUE Please tell XXXX from USAA IDENINITY THEFT DEPT ... .. HE IS ( 2 ) TWO YEARS *** TOO LATE AND STOP HARRASSING ME USAA HAS HARRASSED ME TWO YEARS SENDING ME TO COLLECTIONS XXXX YEAR OLD 35 YEAR MEMBER IS OUT I WILL NOT DIE FOR USAA
Product: Credit reporting, credit repair services, or other personal consumer reports

there was an out standing amount of XXXX XXXX showing against me from XXXX XXXX XXXX XXXX CONTRACT ID : XXXX which i had already paid on XXXX XX/XX/2022 at XXXX XXXX  but the company has reported my account as written off/wilful defaulter in the credit bureau and now i am getting trouble in getting any credits or loans.I ALSO RAISED A DISPUTE IN CREDIT BUREAU BUT NO SOLUTIONS TO THE PROBLEM.DOCUMENTS ARE ATTACHED HEREWITH.PASSWORD FOR XXXX  IS XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to equifax, XXXX XXXX XXXX  They have gone unanswered and the errors on my report are still there. I keep getting a letter back saying im not the one sending them in. I am personally sending them in so I do not understand. Please assist me and getting my credit report fixed.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX Account Number : XXXX XXXX  XXXX / Equifax XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Equifax XXXX Account Number : XXXXXXXX XXXX XXXX Equifax
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>. I sent a letter to Experian requesting an investigation into the completeness and accuracy of the following accounts : Account Name : XXXX XXXXXX/XX/XXXX XXXX : XXXX 1. Despite my request for investigation, Experian failed to take appropriate action as mandated by the FCRA. Specifically, Experian neglected to comply with the following provisions : 2. Violation of 15 USC 1681i ( 5 ) : Experian failed to promptly delete or modify inaccurate or unverifiable information from my credit file, as required by law. Despite the dispute, Experian affirmed the accuracy of the disputed information without conducting a proper reinvestigation. 
3. Violation of 15 USC 1681s-2 : Experian unlawfully furnished information to consumer reporting agencies, knowing or having reasonable cause to believe that the information provided was inaccurate.

4. Violation of 15 USC 1681i ( 7 ) : Experian failed to provide me with a description of the reinvestigation procedure within 15 days of my request, as mandated by law. 


1. In light of these violations, I am seeking the following remedies : Prompt deletion of inaccurate information from my credit file.

Notification to the furnisher of the inaccurate information regarding the modifications made to my credit file.

A detailed description of the reinvestigation procedure conducted by Experian.

I have enclosed copies of all relevant correspondence and documentation related to this matter for your review.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Experian for their violations of the Fair Credit Reporting Act. 

Thank you for your attention to this matter XXXX XXXX
Product: Credit card

I used my Macy 's card to make purchases over the past few months. When I went to pay my bills a couple months later, I noticed that I never made a payment to Macy 's. When I called Macy 's, I was immediately connected with the collection department, who notified me that I never paid bills, had accrued late fees and was reported to the credit bureaus as delinquent. Furious, I demanded an explanation as to why I was not contacted before they took the latter step. They claimed they called and sent me online statements. They had my phone number correct, and could not verify my email address. However, they claimed I had authorized online statements, which is the reason they gave for me not receiving a bill. But, you ca n't verify an email address for that? Sounds fishy ... Nonetheless, I do n't recall making the paperless billing authorization ; it was most likely in some fine print that I missed, if what they claimed is true. Still, they never reached out by phone, and they were able to verify they had the correct telephone number. They also never reached out by mail ; the address is correct since they sent me a new credit card to that address. I requested they remove the late fees from the account and remove my delinquent status from the credit bureaus. They removed the late fee, but said they could not remove the delinquent status. I paid the account in full and closed the account. I pay my bills on time, when I get the bills! Consumers should not be reported to a credit bureau as delinquent until an attempt is made BY MAIL and BY PHONE to contact them. Neither option was used. Is that even legal? It should be, especially in the world of 'paperless billing! '
Product: Credit card

Synchrony walk around and open fraudulent account without investigated to see if it is the right person applying for cards they open a fraudulent account to close the account. Send me a letter to me. I am responsible for the account I have never received or went to purchase anything with this card. I need them to show me the application, they said I apply for this card. Show me the application and it must match all my information on that application.an so call receipt with my signature on it, I need much much. My signature is on all documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Protection Association, L.P. refused to remove negative reporting from credit reports. Did not produce enough evidence of proof of debt. No proof of debt shown. Creditor remarks incomplete or incorrect. No evidence of original requests to open account or pay for Service. Fraduanlt account, investigation process status showing completed, and statement posted says compliance with FCC regulations. Yet did no show proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED ALL THREE CREDIT AGENCIES, XXXX, XXXX, EXPERIAN AND I EXPLAINED THAT THE INQUIRES WERE NOT MY INQUIRES. THEY FRAUDELANT INQUIRES. THEY STATED THAT THERE WAS NOTHING THEY COULD DO ABOUT IT. I HAD ALERTS SET UP ON ALL MY ACCOUNTS, BUT THAT IS ALL THEY SAY COULD DO AT THAT TIME.
Product: Student loan

I called Mohela with questions about my student loans. I was on hold for XXXX hours. Then hung up on. No one ever answered or helped me. No one even tried to contact me. 

I then filled out a message through Mohela 's online portal. 

Several days later, I got a response saying that I had talked to someone in customer service and my concerns were addressed. This was patently false. No one ever spoke with me. No one made any effort to help me. I still have all my questions. 

My loans still show an incorrect number of PSLF qualifying payments. They still do not all show as in repayment. I have not been in school since XXXX. I filed the form to waive the grace period. What is going on? No idea and no one at Mohela will tell me or help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There are 2 names and 5 addresses that are inaccurate. On XX/XX/20, I mailed a letter to Equifax asking to please make these changes. They did not respond and also did not make any changes.
Product: Credit reporting or other personal consumer reports

The following accounts and inquiries on the attached documents are incorrect and unauthorized accounts and information. Ive contacted the police department and made a identity theft report.
Product: Student loan

I was a student at XXXX XXXX in 2009, I was never informed that I would have to begin paying back the loan to Peaks if I stopped attending XXXX. After graduation I was unemployed so I exhausted my deferment, after that I used their other program where I was only paying towards the interest rate of the loan. I began attending the university XXXX and let them know I was in school so that I could get an in school deferment ; they then stated they did n't have that option since I was n't attending XXXX. I have been struggling to pay back the loans but I have been making the payments for the past 3 years without ever being late. I am now filing for bankruptcy chapter XXXX and also going to be starting my XXXX XX/XX/XXXX. On the website they have an in school forbearance form but when I call to let them know I 'm going to start school they say I 'm not eligible for it which makes no sense. when I ask them why they are n't able to give me a legit reason why I cant sign up for it. There were many times where I called to let them know I was still in school and was struggling to make ends meet but they basically closed the door in my face every time I 'd call. I 'm an expecting mom and in the process of moving out of my parents house, I make less than XXXX dollars every two weeks and have other bills I have to pay. once I start paying back my student loan I only have about XXXX dollars to survive because I have car, insurance and medical bills as well. Someone please help me. Peaks Loan is a Fraud and XXXX misleads their students into getting into debt and fail to explain the fine print on their loan services.
Product: Consumer Loan

Allied auto loan continue to harass me by calling several times wanting payment payment is due the XXXX of each month made payment on XXXX 2016 which was still under the 10 day grace period of not being late they continue calling and wo n't stop. I did answer their phone calls 2 times and ask why are they still calling me. They gave me reference number XXXX and said they would stop, but they continue. The second call I answered I was not given a reference number he only gave me his employee # XXXX and name XXXX. I have been receiving a total of XXXX calls as of today hope you can help me. I am a XXXX patient and receiving these calls have made me go this far because I ca n't take it any longer.
Product: Credit reporting or other personal consumer reports

I am submitting a dispute and investigation request for these wrongly reported accounts on my credit file. Per the Fair Credit Report Act, I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to XXXX, Experian, and XXXX. I wanted to dispute the account reporting on my report on the grounds that they do not have the an original copy of the agreement with my signature on it. They sent letters back saying that they did an investigation but never provided original documentation of the agreement. I asked for names of the individuals who were doing the investigation. I have never received and names. I took the time to write and send letters that were notarized with a copy of my identification and SSN. I sent the first letter on XX/XX/2022 the second letter on XX/XX/2022 the third XX/XX/2022 the last letter XX/XX/2022. it cost me {$38.00} everytime to send four sets of letters that were notarized.
Product: Credit card or prepaid card

I'm trying to remove a joint account holder from my account. I added my partner as a joint account on my Bank of America credit card but can't get someone to help me remove him and get the account back to being just me as the owner
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 ( b ) ( 2 ) company has also no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ). I do not have a contract nor did I authorize the company to obtain my information. My rights to privacy were violated under the FDCPA & FCRA
Product: Consumer Loan

XX/XX/2006 I went into contract with GMAC to lease with the option to buy a XXXX Pontiac Grand Prix. When I signed the contract, I was told that this would allow me to buy the car if I felt I wanted and I did n't have to go through the whole process of reapplying for a loan. So I ask the lady who I signed the loan with, what does that do to my credit and she replied the balance would change and the monthly charges. I was fine with this. After looking at my credit report more closely I noticed that they stop reporting the correct date of when I leased with the option of buying the car and reported the new date of when I decided to keep it. I would not have signed for the car if I knew it would start the clock of the original debt all the way over. Please look into this situation as I was promised something that did not happen. Now I have debt from XX/XX/2006 with bad history still reporting on my credit report from 12 years ago.
Product: Mortgage

to start with I was under a chapter XXXX in XXXX XXXX, I just made last payment and was fired from my job. I called XXXX XXXX XXXX and informed I was unable to make payment, they told me they has n't received the discharged letter yet. it took about 8 months for them to get letter. then we started paperwork for refinance numerous time paperwork was sent to them always with something not right or missing. this went on till about XXXX XXXX. I told them I had been identified as a XXXX veteran next thing I know, I 'm dealing with Select portfoilo. again same result told them I was trying to get a refinance. again same run around missing paperwork, information not right. here again I have got another notice of sale while I am again trying to do a refinance. the latest paper states, they want me to make 3 monthly payments of about XXXX and once this is accomplished they will try again if they have all paperwork, meanwhile I have received a letter of a foreclosure sale.
Product: Debt collection

I cancelled my XXXX XXXX back in 2020, the company kept billing me for a couple more months despite my account being cancelled and inactive. Reached out to XXXX  who contacted XXXX on my behalf and the account was closed and resolved. I checked my credit report today and it showed that XXXX sent an amount of {$140.00} to collections. Egregious practice from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 a hard inquiry from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX from XXXX XXXX XXXX pulled my report for a mortgage application however in less then 30 days they pulled my report again on XX/XX/21 for the same company. This resulted in 2 hard inquires on my XXXX, Transunion, and XXXX reports. I have tried to resolve this issue by calling XXXX XXXX however the two inquires are still showing on all three of my reports. The second time my credit was pulled was less then 30days and without my approval. This has effected my credit score.
Product: Debt collection

I had XXXX XXXX for XXXX XXXX, when my plan ended, I received a new promotion that was the internet speed I needed for my household. XXXX was having a promotion to sign up for mobile phone service. I signed up, and then the next day I found out that the representative misrepresented the amount for the phones and changed my internet plan to do so. I immediately went into the XXXX XXXX, returned the phone prior to activation, returned my internet equipment and cancelled my service. Everything was supposedly credited and cancelled but then a few months later I received a bill and collection calls, I called in to get the matter rectified and I was advised everything was fixed, and then again a few months later I start getting bills and collection calls. This has happened two more times and not I was contacted by a 3rd party collection company trying to collect {$130.00} for a phone service I never activated and returned back in XX/XX/scrub> 2024 2024