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

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear in neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent multiple sets of dispute letters and complaints alongside my FTC report but you there at Equifax are so firm with what youre doing, and thats disregarding my complaint. Is it that hard to understand where Im coming from? Common! Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received an email from XXXX XXXX XXXX XXXX assignee of XXXX. The email advised me to call or write them by XX/XX/2024 to dispute all or part of the debt. I sent a validation letter through the mail on XX/XX/2024. On XX/XX/2024 I received a notification from all three credit Bureaus that a collection account from XXXX XXXX XXXX XXXX was placed on my credit report. They have not replied with any correspondence and validation proving I owe this debt. 
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information. I've attached below a copy of the correspondence I sent to the collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # xxxx xxxx xxxx XXXX, xxxx xxxx xxxx XXXX, has 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 a account without my written instructions
Product: Credit reporting

On XXXX/XXXX/2016, I sent Equifax a dispute regarding XXXX XXXX account # XXXX XXXX XXXX XXXX, along with documentation showing a judgment in my favor on that account ( See Equifax Dispute XXXX, XXXX ). In its XXXX/XXXX/2016 response, Equifax stated, " We have researched the credit account. Account # - XXXX The results are : We verified that this item belongs to you. '' Equifax failed to delete the inaccurate account information. ( See Equifax Response XXXX ). 
I sent a second dispute on XXXX/XXXX/2016 ( See Equifax Dispute XXXX ). In its XXXX/XXXX/2016 response, Equifax stated, " We have researched the credit account. Account # - XXXX The results are : We verified that this item belongs to you. ( See Equifax Response XXXX ). 

Equifax failed to provide any details or documentation of its communication with XXXX XXXX or of any independent investigation. Additionally, Equifax failed to explain what information it is relying to " verify '' the account contrary to a court order of judgment in my favor. I would note that XXXX responded to the same dispute by immediately and properly removing the account from my credit file.
Product: Payday loan, title loan, or personal loan

I took out two single payment loans with LendUp on XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX loan was in the amount of {$200.00} with an interest rate of 401.50 %. I repaid this loan as agreed on XX/XX/XXXX in the amount of {$230.00}. The XX/XX/XXXX loan was in the amount of {$350.00} with an interest rate of 521.32 %. I repaid this loan as agreed on XX/XX/XXXX in the amount of {$390.00}. 

While browsing recent CFPB actions, I noticed that the CFPB had filed a lawsuit against LendUp for violating the terms of a previous settlement amongst other illegal and fraudulent activity. Just as alleged in the CFPB complaint, I gained no benefit from being a repeat borrower with LendUp. Indeed, my second loan was issued at a HIGHER interest rate than my first and this loan was confected after the time period noted in the lawsuit. 

Interestingly, the company website now states that it's no longer in the business of direct lending, but does inform customers : " Although we're no longer lending, were now working with some third-party lenders to oer our customers multi-payment installment loans in higher amounts with longer repayment terms than the loans we previously oered. Enjoy the exibility and convenience of this new customer experience. '' I can only imagine that the third party lenders will continue exploiting consumers by engaging in usury and doing everything they can to evade state & federal regulation.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX # XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance XXXX {$8400.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

I received phone calls everyday from XXXX to XXXX est from Midland credit in the entire month of XX/XX/XXXX. I explained to them that this is not my debt, to send me an itemized report. They demand to get my social security number, that I'm a thief, I'm going to jail, and finally that all my things are going to be taken away and I'm going to end up on the street. They called my job, my landlord and my family members harassing them. I never gave out numbers, so it's scary to know how they got it. I received a court date letter, with a thousand dollars added to the original amount they claim I owe ( XXXX due, original XXXX ). I do not owe Midland Credit any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Acct # XXXX {$170.00} $ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$1600.00} $ XX/XX/XXXX XXXX XXXX Acct # XXXX {$790.00} $ XX/XX/XXXX XXXX XXXX Acct # XXXX {$680.00} $ XX/XX/XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd dispute w ith GM Financial regard ing the inaccurate reporting of 30 days late for  XXXX    XXXX  . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.
Product: Credit reporting or other personal consumer reports

This debt collector is hurting my credit report for fraudulent debt that I never originated. I have filed my FTC report and reported this debt to the FTC.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX C XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$150.00} XXXXXXXX XXXX  XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX XXXX Balance : {$47.00} XXXX XXXXXXXX XXXX XXXX : {$350.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, ENHANCED RECOVERY CO L add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY CO L has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

RESPONDENT, you, your company NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM! HAS FAILED Violation 1. ) trying to collect a charge off you dont have legal rights too.

2. ) Furnishing deceptive forms.

3. ) False and misleading representation Collection of extensions of credit by extortionate.

4. ) Aggravated identity theft.

5. ) Sharing non-public personal information.

6. ) Willful noncompliance.

7. ) I would like to see the bill of sales and any documentation how account transitioned
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies in the information your company has reported to the credit bureaus regarding my credit account. The account in question is listed under the name XXXX XXXX with Capital One Auto the account number XXXX. 

The following details are inaccurate : 1. Date Account Was Opened : 2. High Credit Balance : 3. Date Last Reported : 4. Date of Last Activity : 5. Date of Last Payment : The date of last payment reported is [ Reported Date ]. According to my records, the accurate date of last payment is [ Correct Date ].

6. Payment History : The payment history across all three major credit bureaus is incorrect. 
7. Charge-Off Reporting : The charge-off status reported on this account does not align with my records. Under 15 USC 1681c ( a ) ( 4 ), charge-offs must be reported accurately and should not appear on my credit report beyond seven years from the date of the charge-off. Moreover, listing multiple charge-offs on my credit report can improperly extend the statute of limitations for reporting purposes, which adversely impacts my credit score and prolongs the negative effects on my credit profile. 
Inconsistency Across Credit Bureaus : If the same information is being reported by your company to all three major credit bureaus, it should be consistent across all reports. Discrepancies in the information reported to each bureau raise concerns about the accuracy and reliability of the data furnished. According to FCRA guidelines, the information provided by a data furnisher must be accurate and consistent across all credit reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I am entitled to dispute inaccurate information on my credit report and request that it be corrected. Additionally, 15 USC 1666b requires that creditors and information furnishers ensure the accuracy and completeness of the information they provide to credit reporting agencies. Furthermore, 15 USC 1681c-2 ( Section 605B ) requires that any information related to fraudulent accounts must be removed if it is proven to be the result of identity theft. 
I request that you conduct a thorough review of the disputed information and delete these inaccuracies. Additionally, please provide me with written confirmation once the corrections have been made and notify the credit bureaus to update their records accordingly. 
Please respond within 30 days as required under the FCRA. Thank you for your prompt attention to this issue.
Product: Mortgage

We applied for a loan modification with American Servicing Company and have been going through the normal hassles where they ask for additional documents even though they are in the original submittal. At the same time our modification was under review that continued with the foreclosure. Now they have denied our application based on their running of an MPV [ a present value ] calculation. We are qualified for the modification - we meet the income tests etc. We ran the MPV on the Fed Government site and had a private company also do the evaluation. Both said we passed. We have submitted the report from the private company [ REST report ] and suggested ASC errored in their running of the report. ASC is saying we were denied and that is it. Now we know ASC will make more money if they can foreclose our home and they are about to accomplish that. Can you review what ASC is doing and help straighten this out. Thank you.
Product: Checking or savings account

I deposited a check from my mortgage that came in my husbands name into my account XX/XX/2020. The check was cash and deposited into my account. But I was advised that my account was frozen since the the check was in my husband name. Tried to get the check reissued and mortgage bank told me it was cashed. Now I filled out a paper my husband notarized and signed saying he agreed with it and I am still being given the run around and still want me to do more.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 and another 30 days late in XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Comenity has continued to report a balance on my report months after this was clarified. 

It is greatly affecting my credit, as this card is showing 263 % over limit, when the card is completely paid off. 

COMENITY BANK/XXXX  Last reported XX/XX/2020 {$260.00} Open balance {$100.00} Credit limit Balance carried not confirmed Credit limit {$100.00} You're using 263 % of your account 's limit
Product: Vehicle loan or lease

I have consistently tried to manage my loan with SunTrust Bank over the years of this loan with them. I have been struggling to make payments. It is important that I be given consideration to keep my car. It's the only means of transportation I have. It will greatly impact my ability to get around to doctors appointments as a veteran.

I have a XXXX XXXX XXXX XXXX.

Yes, I have missed payments ; however I have always made up for the missed payments. After I called them about my car possibly being repossessed the person name XXXX  didn't offer me any remedies to prevent the repossession.

As a veteran, I have to have access to a vehicle and I do not have family members living in XXXX, who can assist me with transportation.

I spoke with a representative on XX/XX/XXXX. They can be contacted at XXXX.

They aren't willing to give me more time to make up the past payments. I have until this week. Which is extremely stressful and impacting my health. I work on contract and only get paid through a contractor.

Please help with this serious matter. I believe a lower amount monthly would be most helpful. I have had my car since XX/XX/XXXX and willing to pay it off.
Product: Credit reporting or other personal consumer reports

I noticed my credit score has been continuously decreasing every month since the beginning of this year. I checked my credit report today and noticed there are 6 late payments with XXXX XXXX. I have never heard of it or opened an account with XXXX XXXX. I called XXXX XXXX, and they confirmed someone opened an account and card under my name and social security number. XXXX XXXX confirmed there is a balance of {$11000.00}. However, they informed me that bank account was blocked and canceled by someone in XXXX. That someone, was also not me. The balance was never paid as I was never aware of this account since I did not open it. The the unpaid balance on this account as a result of identity theft has now significantly affected my credit score.
Product: Checking or savings account

Netspend is apart of XXXX, as I see this information, and on XX/XX/XXXX they closed my account, stated there was fraud on my account and the higher ups decided to close my account, they left me stranded at work no way home, as I take a XXXX home then they left me with no money for XXXX, and food on my plate, then, after asking for three weeks for my money to be sent to me and after waiting over 30 days they want to ask the higher ups if they can reissue the check come XX/XX/XXXX, they stated no money is leaving the bank until then, which I dont know what this bank is doing but they are not following state laws, they can not hold onto my bank account, and they lied about issues me a refund, there is no refund to me, as I would have cashed the check, and I as a customer should not have to be to blame for fraud on my account, simply they should have reissued me a new card, if that were the case, instead they violated my rights, and have not sent me my bank account balance for XXXX, and I want this money, it was my money to begin with, from my work check deposited XX/XX/XXXX to this bank. 
I have asked for their legal department number and address, and I want my bank account check overnighted to me, or I will seek council.
Product: Credit reporting or other personal consumer reports

Transunion its reporting some consulting that I Do not recognized.
Product: Debt collection

XXXX XXXX Hospital starting charging my credit card that was stolen a monthly bill. It appeared after I reported my card stolen but still showed up because it was a installment amount. I disputed the charges ... 3 months in a row. All XXXX were removed and deemed unauthorized charges. XXXX was blocked from further charges and did not show proof that the debt was in fact mine. 10 months later they sold the account to a debt collector ; IC Systems XXXX, MN XXXX XXXX Account # XXXX. I contacted this company and provided documents showing that the charges were not authorized and a result of fraudulent activity. They stated that they would close the account. Several months later they reported it to my credit reports illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

had a auto loan with finance company in XXXX  the finanace company did a charge off that was 9 years ago try to contact experian but could not get any help on this did a dispute and still no help after 9 years this should be off of 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 TransUnion 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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion 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 : I made the payment before the due date. The payment was processed late due to a clerical error on the part of the creditor, which is documented in the enclosed bank statements and payment confirmations.

System Error : There appears to have been a system delay with the creditor processing my payment, which should not have resulted in a late payment being reported.

Evidence Provided : I have attached payment confirmations and bank statements as evidence showing that the payment was made within the required time frame, and it was processed late due to an internal delay.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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
Product: Debt collection

In 2017 I went to an emergency room while insured by XXXX XXXX insurance. The hospital was never paid by my insurance. This is not my fault. In fact I have already had this once removed from my credit as all three credit reporting agencies previously took it off but the same old debt from 2017 just popped back in my credit report again this month. Just because it was sold to another debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian FAILED TO SECURE MY PERSONAL DATA. Now that they allowed my data out on the dark web they are attempting to SELL ME Monitoring of my info on the dark web. I would call that a SCAM. They admitted my data was breached from their site, that its on the dark web and gave me a free credit report. That's CRIMINAL.