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

On several occasions I have contacted all 3 credit bureaus and I have asked for late payments to be removed because payment was lost in mail for XXXX and XXXX pay.ents 2017 so O should have only 1 late payment over a 5 year period with the auto loan. I spoke to a representative from XXXX XXXX and was told that my account would be updated to this day it has not been. Also they are reporting last payments as 4 months ago etc showing balances never going down etc, I have added remarks to my credit file which is a direct dispute under FCRA requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote all  XXXX  credit bureaus notifying them of an error on my credit report that if not removed will cause me to pay a much higher interest rate on a mortgage I am desperately needing.    XXXX  wrote back and said there was an issue with my Identification documents, so I called them and answered their security questions and they said the would investigate and get back to me.   Meanwhile  XXXX  wrote me and removed the error.  XXXX  and Equifax have done nothing, my loan officer said they are still showing on my credit report. It is incorrect and I need it deleted and now I have only a week to get this done!   Please help!!
Product: Credit card or prepaid card

I was THD/CBNA customer since 2018 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account due to COVID-19 pandemic. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Mortgage

this company was fully paid, by my new lender, and they did not, reportto the XXXX credit bureau agency, they are damaging my report, theyshould be investigated, they received the money, but they never clearedmy name to the credit bureau, this company should be penalizedfor negligence.
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 U.S.C. 1681. XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # 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 an 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax Complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I've reported inaccurate XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Opening another coplaint based on previous Complaint Via complaint number XXXX the companys responce is incorrect and insufficent simply stating they comply woth ecoa Equal credit Oppritunity act is inssuficent and stating the minimal need to Qualify for the loan is XXXX Is Not Equal Credit oppritunity act Appropriate Policy to have in place including Being denied because on XXXX but the pourpose is to ensure creditors make and approve Things based on equality and it is not equal for people To have XXXX In Yearly income and Cpuld be deemed income discrimimination And Ontop of the equal Credit oppritunity act There are also state laws regarding such things And ive also Contacted the pa attorney generals Office Witch is being asigned to a investigator Pending investigator Findings Discover Could Face state or federal Civil charges in court. And or Be XXXX ordered to reverse descion and may have to pay Damages and costs and court ordered Monetary Fines and Cost to victim or plantiff and discover may want to reconsider there policy in this situation and if they wish to reach put to Me To Settle this i emploer Them to before the attorney generals office investigates and concludes there finding In the Consumer protection Office powered by Federal And Pennsylvania State powers.
Product: Credit reporting, credit repair services, 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. 

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 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 an 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, credit repair services, 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX / XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/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 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 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for an auto loan with XXXX XXXX XXXX through XXXX XXXX XXXX Imports dealership. I make it very clear to them that I did not want my credit ran through any other companies. Somehow, my credit got ran at XXXX XXXX XXXX which, again, was against my wishes and instructions. On XX/XX/XXXX, the dealership provided me with a letter addressed to Equifax asking them to remove the inquiry from XXXX XXXX XXXX XXXX as it was " inadvertently sent to Teacher 's XXXX XXXX on XX/XX/XXXX, in error. '' I then wrote to Equifax on XX/XX/XXXX, asking them to remove the unauthorized inquiry and provided them with a copy of the letter I had been given by XXXX XXXX. As of todate, the inquiry has not been removed. I have followed up with the dealership and they are at a loss of how to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 card

Description of the Issue : I am writing to formally complain about a {$2.00} fee imposed by Bread Financial/Comenity Capital Bank for choosing to receive a paper bill instead of opting into paperless billing. This fee was charged without my explicit consent, as I have neither agreed to nor declined paperless billing on their website. Despite closing the pop-up prompt without making a selection, the company proceeded to charge me this fee. 

When I contacted customer service to address this issue, the representative stated that the fee was applied as part of their digital era initiative and that it was for my convenience. I explained that receiving a paper bill is essential for me to manage my finances and that I never authorized this fee. After escalating the matter to a supervisor, I was informed that the fee would remain regardless of my preferences or history with the company. 

I have been a loyal customer of Comentiy Capital Bank/Bread Finacial ( Zales Credit Card ) for several years and have spent over {$20000.00} with them. This fee feels like a penalty for my preference, which is neither convenient for me nor ethical in principle. The companys refusal to provide a resolution demonstrates poor customer service and a lack of regard for long-term customers. 

Why This Is Unfair and Potentially Unlawful : Lack of Consent : The fee was applied without my explicit agreement to opt into or out of paperless billing. 

Unethical Practice : Penalizing customers for wanting a paper bill is unreasonable and disregards individual needs and preferences. 

Inadequate Customer Support : Despite my attempts to resolve this issue with both customer service and a supervisor, the company refused to waive the fee or offer a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, through XXXXXXXX XXXX XXXX I applied to XXXX XXXX XXXX for an automobile lease. I completed an application for the lease and authorized ONE credit report to be obtained. On XX/XX/2020, XXXX XXXX XXXX obtained a credit report and on XX/XX/2020, XXXX XXXX XXXX obtained a separate credit report on me. This resulted in two hard credit reports for a single transaction. Again, I authorized only ONE credit report. This abuse resulted in a significant reduction in my credit score. 

I reported my dispute to the credit reporting company XXXX XXXX XXXX on two separate occasions but they simply ignored my two items of correspondence.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$53.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

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

I NEED THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE DUE TO THE FACT THAT IT IS REALLY IRRITATING MY CREDIT 'S HEALTH AS WELL AS I NEED TO MAKE A BIG PURCHASE SOON. THIS ACCOUNT WAS OPENED IN 2006 IT IS A XXXX/XXXX XXXX NEGATIVE ACCOUNT.
Product: Mortgage

My original home equity loan was with GMAC. Everything with them was perfect. GMAC sold the loan to Ocwen a few years ago. Ocwen handled the loan correctly at first, but for the past three months they have sent me monthly emails telling me that they have received my loan payment. I did n't request this, and I do n't need this, since I can tell from XXXX Ocwen 's website and from my checking account bank that the payment has been made. I would n't mind about the extra confirmation, except that Ocwen puts my full name, property address, and complete loan number in the unsecured email. I have called and emailed Ocwen several times, but the people I talk to do n't understand XXXX well enough to fix the problem. When they send me an email to discuss the problem, they put my full account number in it as well! The latest CSR told me to remove my email address from my profile, which is n't possible to do. 
Please, is there anything you can do to get Ocwen to stop sending secure account information in an email?
Product: Credit reporting or other personal consumer reports

The presence of incorrect information on my credit report is unacceptable and needs to be corrected immediately. These errors should have never been reported in the first place, and the fact that they exist raises serious concerns about the reliability of this reporting system. This negligence has directly impacted my financial stability, and I refuse to allow it to continue. 

As a consumer, I am legally entitled to a credit report that is free of inaccurate or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be correct, and any errors must be rectified immediately. I expect a full investigation into these inaccuracies and immediate corrective action. Delays are not acceptable. 

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

I applied for a business loan with a company called XXXX. They asked me for business banking statements, and then offered me a loan at 80 % interest APR. They said the reason was due to " my personal credit score being below XXXX. '' Our business is a separate legal entity ( LLC ). 

I never gave this organization the authorization to access my personal credit report. I was never asked, and never told that my personal credit would be accessed. 

They violated my trust and accessed my credit file without permission, and now have caused my credit score to go down further, having done a " hard pull '' of my credit report from Equifax and XXXX
Product: Credit reporting or other personal consumer reports

credit report reference number XXXX is listed on my XXXX XXXX XXXX, which is listed on my XXXX XXXX HOME AND HIGHWAY CONSUMER REPORT DISCLOSURE NOTICE. 
ALSO LISTED IS THE MOTOR VEHICLE RECORDS for all drivers on my policy. 
This is almost the exact same list of items listed in XXXX. 
Balance to credit line on open bank revolving accounts is 20.18 % to 85.13 % I DO NOT HAVE THE BANK XXXX. 
Average months accounts have been opened is XXXX months. 
I HAVE A XXXX  XXXX  THAT I HAVE HAD FOR PROBABLY 30 YEARS. I DO NOT HAVE ANY OTHER XXXX XXXX  Average credit line on bank revolving accounts is {$3100.00} - {$4700.00}. 
AGAIN, I USE MY VISA CREDIT CARD OR ONCE IN A XXXX XXXX WRITE A CHECK. 
Total length of time department store accounts in file is XXXX months. 
I CLOSED ANY AND ALL OUT IN XXXX. 
Average credit line on open bank revolving accounts is {$550.00} - {$3400.00}. 
I HAVE WATER BILL, ELECTRIC BILL, GAS BILL, VISA BILL ... PAID AUTOMATICALLY EVERY MONTH SET UP TO BE PAID BY MY CHECKING ACCOUNT. 
Number of department store accounts is XXXX. 
I DO NOT HAVE ANY CREDIT CARDS OTHER THAN MY VISA. 
Average months accounts have been open is XXXX months. 
I DO NOT HAVE ANY CREDIT CARDS, JUST MY VISA. 
I WENT THROUGH MY CREDIT REPORT AND CLOSED EVERY SINGLE CARD LISTED. 

ALSO ON THE MOTOR VEHICLE RECORDS, WHICH I ADDRESSED BACK IN XXXX.My children are grown  and have not lived at home for over XXXX  years. Even when they did live with me they did XXXX XXXX my vehicle. They drove their dad 's or their own. I even signed a paper saying that my daughter is not allowed XXXX XXXX my vehicle. 
HOWEVER, it states : for all of the drivers listed on your policy the records list violation activity ... .refer to the Driver Section ... shows accident and moving violations information on file for each driver. 
I am the only person who drives my vehicle. I drive approximately XXXX miles or less a year. I was driving through a XXXX  light that turned XXXX  as I got through it, right along with the traffic in the other lanes. 
I spent a very long time working on all of the problems listed in XXXX  in order to get my home and auto XXXX  reduced. I dread the thought of having to do it all again. But, if I have to, I will. Thank You for hearing me on this.
Product: Student loan

Navient has failed to provide correct and up-to-date information about my loans. Even with the information that IS provided, it is VERY confusing. On my account, it states that on XX/XX/2020, a payment of {$840.00} was made to ALL of my accounts with Navient. Yet, it says an amount of {$270.00} was due on XX/XX/2020 when there was a payment already made. So I am unsure how to proceed because I am unsure if Navient is processing my payments correctly which will only further harm me and my credit. I demand that Navient provide accurate information and processes my payments correctly as I feel that I am over paying on my student loans. They are taking more money from me, which is harmful and deceitful, and not properly notifying me about what they are doing with my payments. 

In addition, a Navient representative told me that the reason why my payments were not processed properly was due to them " not seeing '' instructions that accompanied my XXXX payment. When I asked an XXXX representative, they told me that Navient should be able to see it. Therefore, Naviet lied to me about not seeing my instructions and have been incorrectly parceling out my payments for an unknown amount of time. Again, clearly a deceitful practice that harms XXXX members that Navient uses for their own gain.
Product: Credit card

First Niagra bank will not speak to us on the phone. First my wife called and they said they had to speak me. Then I called on a Monday and they refused to speak with me and told me to go the nearest branch. We live an hour away from the nearest one. In XX/XX/XXXX I paid a payment and the reversed it. Said there was no such account. Spoke with a XXXX and have his employee id number and he reversed the late charges and i paid XX/XX/XXXX and XX/XX/XXXX payment. I told him that i should n't be reported 30 days late because to my knowledge payment in XX/XX/XXXX was paid. He said he would take care of it. Next thing I know were getting letters stating we are 62 days late and owe over {$300.00}? I called and they refused to let me speak with XXXX. and told me there was nothing they could do and to go local branch. I ca n't resolve this, do to the fact they are not allowing us to speak with anyone?
Product: Credit card

I was charged a late fee for for a payment that was on time. The money was withdrawn from my bank account by the company on XX/XX/XXXX but they did not post the payment to my Barclaycard account until XX/XX/XXXX. This resulted in a late payment fee of {$25.00}. I contacted the company and informed them of the error, and I was told that it is their policy to hold the payment for one to two days for processing. Although they physically had my cash in their account, they did not process my payment until the next day. They have refused to reverse the fee.
Product: Credit reporting or other personal consumer reports

The following information is fraudulent and doesn't belong to me. 
I demand immediate removal and blocks from these accounts and future reporting. 


1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the alleged debt reported by Capital XXXX XXXX XXXX XXXX, on my credit report with account number ending in [ XXXX ]. I challenge the ownership and validity of this debt, as it has been erroneously reported as a " charge-off '' without proper verification or validation. 

Background : Ownership Dispute : The account in question does not belong to me. I have never entered into any agreement with Capital XXXX for this account, nor have I received any documentation to substantiate the legitimacy of this debt. 

Inaccurate Reporting : Despite my previous disputes, Capital XXXX continues to report this alleged debt as accurate on my credit file. This reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that creditors only report verified and accurate information. 

Failure to Validate Debt : Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), Capital XXXX is required to provide documentation to validate the debt upon request. To date, no such validation has been provided. 

XXXX XXXX XXXX : The account is reported as a " charge-off, '' which indicates the debt was written off as a loss. However, a charge-off does not absolve the obligation to validate the debt or accurately represent its ownership. 

Concerns : Misrepresentation of XXXX : Reporting a debt without proper ownership validation not only violates federal law but also causes unwarranted harm to my credit and financial standing.