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

I sent experian a ftc report in febuary about a fraudulent account.. they removed the account then put it back on my credit report.. The account was XXXX # XXXX This account is fraud ... pursuant to 15 usc 1681c-2 ( c ) ( 2 ) when the blocked information is rescinded the consumer should be notified promptly, in the same manner as consumers are notified of the reinsertion of information under 611 ( a ) ( 5 ) ( B ) which i was never notified..This is against my rights...
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance {$900.00}
Product: Credit reporting or other personal consumer reports

ONEMAIN FINANICIAL IS ILLEGALLY REPORTING DEBT WITHOUT VALIDATION OR PROOF OF HOW LATE ACCOUNTS WAS VALIDATED ONEMAIN FINANCIAL XXXX XXXX XXXXXXXX XXXX, IN XXXX ACCOUNT : XXXX XX/XX/2024 This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score.

I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law.

Who did you speak to?

License number?

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report.

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Product: Credit card

My credit card company charged me a late payment fee which I disputed and the company did waive the fee but now they have increased the minimum monthly payment because of the late payment fee, which they waived but somehow it is still affecting my minimum monthly payment and will be affecting it for the next 6 months. They refuse to make an adjustment to the minimum monthly payment and insist that the payments will remain as they are for the next 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 or other personal consumer reports

A consumer may exercise the right to opt out at any time. I requested to opt out of the transaction history being reported to my consumer report. I requested in writing and via phone over XXXX ago. According to 15 USC 1681 602 states there is a need to insure that consumer reporting agencies exercise responsibilities with fairness, impartiality and a respect for the consumers right to privacy and according to the privacy act 1974 I have right to privacy and at this time my privacy is being violated.
Product: Student loan

I submitted a misconduct discharge application in XX/XX/year> to Navient private loans and it was denied. I am also supposed to be getting a new servicer and I don't know how this could impact my discharge application appeal. 

I am asking Navient for more specific reasons why it was denied but found out I could submit this in the meantime.
Product: Credit reporting, credit repair services, or other personal consumer reports

AD ASTRA RECOVERY SE has been sending me collection notices in the amount of {$340.00} the collection has been reported as derogatory. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed a fraudulent charge on my credit report from a company named XXXX XXXX XXXX XXXX XXXX and Experian continues to report it. I have no knowledge or ownership of that account and it is preventing me from acquiring a mortgage loan and must be removed immediately.
Product: Debt collection

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX I returned 3 XXXX to XXXX XXXX XXXX ... phone were lost.I contested with them.they sent to collections at XXXX XXXX XXXXI requested in within 30days for proof of debtXXXX did NOT reply and I got a new notice from collection company # 2 XXXX XXXX XXXX.I send a Cert.letter within 30 days for verification of debt=NO REPY.Then I get a new letter from collection company # 3 Diversified Consultants.I sent Cert.letter for within 30 days and again n response.I feel helpless to remove this wrongful debt.The companies just keep as on my debt.Diversified Consultants XXXX XXXX XXXX XXXX  MI XXXX is the last contact with my debt on XXXX17. HOW TO FIX???
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXto enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, this account is a collections account 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 : Also States a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

Care Credit / XXXX XXXX have reported false information on my report. I paid this account off in full and was never late. They reported inaccurate high balances, as well as saying I was late. Even though I was never late the entire time I had the account open. As soon as I discovered what was happening I paid the account in full and will not do business with them ever again. They are still reporting a high balance and I paid it in full.
Product: Checking or savings account

I opened the checking account on XX/XX/XXXX/2017 at XXXX XXXX NJ branch presenting the promo printout - Earn up to $ XXXX When you open a new, qualifying PNC checking product! 
Offer amount varies depending on the type of product opened. 
COUPON ID : XXXX Offer ends XX/XX/XXXX, 2017 Terms, in dispute, was - Make 10 purchases with a PNC XXXX Debit Card. 
" A qualifying debit card purchase is defined as any debit card purchase made at point of sale using your signature or PIN, or a purchase made electronically or online .. " I did many transaction inXX/XX/XXXX '17, established Direct Deposit, etc. Terms clearly stated electronic transactions would count towards  Debit Card transactions. Above quote is direct from the promo in my mailbox and the one I presented to branch while opening the account. Now, PNC reps tell me that it needs to be physical Debit Card transaction only. I told them I can forward the promo I received but they say that they ca n't help me. Service request was raised No.  XXXX and was rejected for the same reason. 

I ca n't understand, how can company not honor it 's own promo!!! So, frustrating!!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is not correct and needs to be remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not able to access by credit report through XXXX, nor through any of the consumer reporting agencies ( XXXX, Equifax or XXXX websites give me an error message and will not let me access ). I would like to receive my consumer report ( s ) by mail. I am a victim of identity theft and I have not been able to review my consumer report on a monthly basis since XX/XX/2023.
Product: Credit card

On Thursday, XX/XX/year> I made to purchases via XXXX in the amounts of {$410.00} and {$320.00}. I've had my Chase XXXX XXXX card tied to XXXX for sometime without issue. 

It turns out I made these purchases in quick succession and in doing so forgot to toggle the " purchases '' tab when confirming the transfers. 

I realized my error the following Monday, XX/XX/XXXX when I noticed XXXX XXXX % transaction fees ( {$20.00} and {$16.00} respectively ) and called into Chase to have the issue corrected. After several calls and churning through several frontline representatives who refused to help- with one going so far as lying to me by telling me that " all XXXX transactions are treated at Cash Advances '', which is patently untrue- I was finally placed on the phone with a Customer Retention Specialist who was able to refund the XXXX transaction fees. 

However, he told me that there was nothing he could do about the interest classification and that these XXXX transactions were subject to the Cash Advance APR oXXXX XXXX %. This is another obvious obfuscation of the truth and so I emailed the VP of Customer Service XXXX XXXX as well as the executive office of Chase to resolve the issue. 

What followed have been XXXX phone calls with Executive Office Representatives that seem no more informed or willing/able to help than the front line representatives I spoke with. The first of these, an Executive Office Representative named XXXX, went so far as to try and perpetuate the same " all XXXX transactions are treated at Cash Advances '' falsehood that the frontline rep had attempted. 

To be honest I'm puzzled as to why this has been so difficult of a lift for a XXXX customer in good standing who has never missed a payment. Further, beings that I'm a XXXX XXXX XXXX professional I take issue with them somehow inferring that I am attempting to subvert the cash advance system for my own benefit. 

In the end, while this probably sounds like an awful lot of trouble for {$18.00} in interest fees, I consider it both a serious violation of trust and an extreme lack of empathy on the part of Chase and is important enough to address here. 

Thank you for your time and I look forward to hearing your thoughts. 

Best regards, XXXX XXXX
Product: Payday loan

In XXXX my husband got a probate cash advance from a " probate inheritance advance '' company called ACAC , Inc . They had him sign a deed of trust and recorded said deed of trust against the real property in his mother 's estate even thought they told him that they would not do that until the loan became due which was XXXX, XXXX. In XXXX XXXX they filed a petition to have him removed as administrator and to force the sale of the family home. Since that time we have been fighting them in the probate court. In XXXX of last year they filed a declaration showing that at the time of the transaction they did not have a Mortgage/lenders. We have filed a lawsuit against them. They are stating that it was an " advance '' and not a loan so California statutes do not apply. I am trying to find out what the difference is between a loan and an " advance ''. Any help would be greatly appreciated.
Product: Debt collection

My uncle living in Florida got a call saying that I will be arrested and prosecuted if I do not pay a debt with ace cash express back that I am already working with them with. 
He gave me the phone number which is XXXX and a case number XXXX Im not sure how they got ahold of my uncle or how they found out his phone number when even I dont know his number. 

I called the supposed collector, they asked for my social security number, address, date of birth. 
They told me I need to pay over the phone with a visa or MasterCard right now or schedule automatic payments. If I did not comply I will be arrested and taken to court. 
They then forced me to give a card number and said if the payment does not go through this coming Friday XX/XX/19 then I will have police at my door to arrest me. 

Ive never gotten any paper work, any summons or any notice of debt. Im honestly terrified for my life rn
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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

THE COMPANT XXXX AUTO IN XXXX NEW MEXICO LET ME TEST DRIVE A AUTO TOOK MY LIC # AND SS # AND RAN A ILLEGAL REPORT TO ALL BUREAUS 16-TIMES ( INQUIRES ) WITHOUT SINGED PERMISSION.TRANS UNION HAS USED THIS TO DISCRIMINATE MY GOOD WORTHTHINESS, BECAUSE I 'M RETIRED.I HAE SENT IDENITY DOCUMENTS XXXX TIMES AND STILL NO REPORT TO DELETE THIS NO SIGNATURE PERMISSION FOR INQUIREIES ( 16 )
Product: Credit reporting or other personal consumer reports

I used XXXX to dispute a new credit card opened with XXXX XXXX. I called XXXX XXXX to close the fraudulent account with XXXX and to get the due amount XXXX. They then closed the account. The initial alert was from XX/XX/year> and we called XXXX XXXX on XX/XX/year>. On XX/XX/year>, I found my credit report having a past due balance by more than 30 days of {$2500.00}. The account still says that it is closed on my credit report but it has a balance that should not belong to me. Since, I have frozen my credit reports on XXXX, XXXX, and Equifax to make sure this doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy CHILD SUPPORT ENF AG/N Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CHILD SUPPORT ENF AG/N Account Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Why Im still receiving emails for the bureaus saying XXXX helping to third party company which is not true. I'm the one who send out letters. Please make an action now or I will sue you. heres the list of negative accounts and inquiries I want to dispute. 

XXXX : XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/XXXX Experian : EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$4000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have disputed with Equifax, XXXX  and XXXX  erroneous item on my report. They have not corrected the problem. 

All three are erroneously reporting that my overall debt is {$9000.00}. That is inaccurate. I owe {$4000.00}. 
This grave mistake on reporting agencies makes it look as though my debt is higher than it is and reduces my rating enormously. This is a horrible unfair practice. 
I have been working diligently to get this resolved since XX/XX/2019 both with my personal banker and each reporting agencies without any resolution. 

Now the impact of Covid 19 is escalating the need for excellent customer service into a matter of dire emergency for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently reporting XXXX XXXX XXXX XXXX as being 30-days late twice. I have notified Experian, XXXX XXXX, and XXXX   via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. XXXX XXXX and XXXX  have both removed the late status. Experian only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. I have contacted XXXX XXXX and asked them why they are reporting that I am late. They responded that they are not reporting that I am late to anyone and they only report to Experian. They have stated that they do not see any 30-day late on my account and Experian NEVER contacted them with a dispute about the account, which I sent them three certified letters about this account already. They must now remove the delinquency on the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.
Product: Money transfer, virtual currency, or money service

I have tried countless times throughout the week to withdraw my funds have them transferred or even put on a gift card so that I'm able to use them everyday this week I have used a different excuse as to why they're unable to give me my money I spoken to countless managers who have given me empty promises and the do not follow through on anything they say they're going to do and each manager says that they have no idea why the prior manager would say that because that's not even a real thing that they do it has been every day for the past 6 days I have called trying to figure out why there is an error message everytime I try and transfer funds and I get a different excuse from each manager not just a customer service rep