23daVinci/CFPB_Complaints huggingface dataset:
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. XXXX reported a late payment on my account for XX/XX/XXXX and XXXX XXXX reported a late payment for XX/XX/XXXX. Beyond the violation of my rights, I have paid the accounts in full shortly after. These lenders, among others are still asking for my business so I must still be considered trustworthy. No harm no foul. The violation of my rights have injured my credit and myself as a person and I want these late payments removed from all credit reporting agencies, including but not limited to ( XXXX, XXXX, Transunion ) or further action with the XXXX, attorney general and others may be applicable under law.
Product: Credit reporting

com & gt ; Subject : Credit reportingbureausMessage Body : I want to place an inquiry and a complaint about thethree credit reporting companies especially Equifax since it it 's reports arefavored by businesses. 

Inquires, such as ones for auto financing, or forthe leasing or purchasing of a home, should not be called hard inquiries because shelter and transportation is a necessity of life. These inquires stay on the record for two years. 
I gave an auto dealership permission to run acredit check, which I thought would be done XXXX time. However, they placed atlease XXXX hard injuries against my record in a few days. That reduced my pointsconsiderably. I was trying to help a young adult relative to get transportationfor work. 
Why does Equifax score the lowest in the industry? Some one needsto look into how hard inquires are determined. Inquires about transportation andshelter should not be considered a hard inquiry and should not be charged against a person 's credit score. 
If this is not the correct place to make these inquiries, please direct me to the best place. 

XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer social security number : XXXX. Consumer DOB : XX/XX/1996. This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C -1681c-2 ) that'd be you. The XXXX, Equifax, XXXX credit reporting agency block Information appearing on my consumer credit report that is the result of Identity theft and Fraud withing 5 days of you receiving this Complaint, This Fraudulent, inaccurate and False Information has Charge off 's from XXXX XXXX for {$100.00} for XXXX but shows as {$300.00} FOR XXXX. XXXX XXXX for {$140.00} for and Collections from XXXX for {$860.00}, XXXX is showing for {$100.00} on one account then XXXX on another account. XXXX XXXX for {$990.00}, XXXXXXXX XXXX for {$830.00} and XXXX XXXXXXXX XXXX these are accounts ranging from the last 3 years and I have never been informed of ay of it as I've been homeless the last 7 years in and out of shelters. I do not recognize these accounts being reported. I will attach the copy of the FTC Identity theft Criminal report Complaint NUMBER XXXX as proof from the US Federal trade commission that all mentioned are the result of Identity fraud. XXXX had XXXX Hard Inquiries needed to be removed and Equifax had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

MOHELA recently upgraded their systems and triggered an Administrative Forbearance in XXXX. After this forbearance period, my student loan payments ( which were on autopayment ) were deducted out of my checking account, but not applied to my student loan balance. I have confirmed with MOHELA that they have received the funds but will need to work to 'rebuild ' my account to have them applied.

Additionally, I was charged interest during the Administrative Forbearance period. I did not elect to go on this forbearance, and they stopped taking funds from my account for the months of XXXX and XXXX. This ( combined with not applying my payments to my account ) caused interest to become capitalized on my principal, INCREASING my student loan debt. I have worked quite hard to pay these loans off and have already paid more than the original balance. It feels like a slap in the face from the company that sued the federal government to prevent student loan forgiveness ( but that is another tangent ). 

I called them on XX/XX/year>, and after waiting on hold for 75 minutes, having the call disconnected, then calling back and waiting 90 minutes, was finally able to talk to a representative. Once on the phone, the reps were polite, and attempted to help, but I am not sure when or if my request will actually be processed.

Payments were withdrawn out of my bank account on XX/XX/year> & XX/XX/year> in the amount of {$450.00}. Interest was capitalized on XX/XX/year> ( {$180.00} ), and two supplemental payments made on XX/XX/year> & XX/XX/year> in the amount of {$410.00} showed an interest applied of {$70.00} & {$70.00} respectively
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts and inaccurate information that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lady at the front desk assured me that their institution was inside my insurance network and that there would be XXXX copay but 6 months after my hospital visit I received a bill for {$1200.00}. My lawyer contacted their facility to dispute the Copay charges because the lady at the front desk knowingly gave me false information in order to retain me as a client they agreed to settle and remove these charges. I am writing to have this information removed from my credit because it is hurting my credit score and affecting me getting a job and other financial products.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT FOR UNLAWFULLY OBTAINING MT XXXX AND EQUIFAX CONSUMER REPORTS ON BOTH XX/XX/2020 AND XX/XX/2020 WITHOUT MY AUTORIXATION OR A PERMISSIBLE PURPOSE UNDER THE FCRA. I HAVE MAILED THE FOLLOW LETTER ATTACHED TO YOUR OFFICES VIA USPS CERTIFIED MAIL TRACKING NUMBER XXXX.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts that are not mines : 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$1300.00} My information XXXX have been impacted by the Pandemic, XXXX, TransUnion and XXXX XXXX XXXX and XXXX have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt In accordance with [ applicable state statute ], which mandates a XXXX period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau XXXX CFPB ) and any other relevant regulatory bodies. 

XXXX XXXX. XXXX This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

XXXX XXXX. XXXX This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the XXXX XXXX XXXX must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

The hardship my life had gone due to these fraudulent accounts is unbelievable I have suffered to due the negligence of the credit bureaus I ask for proof of your investigations and all Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

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

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, NJ XXXX Resident typeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, NY XXXX Resident XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident typeXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident typeXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident XXXXXXXX XXXX THESE NAME VARIATIONS DO NOT XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Student loan

Sallie Mae calls multiple times per day on a loan that they already approved for forbearance. I am only the co-signer, and yet, I get at least 3-5 calls every day. That to me is harassment.
Product: Consumer Loan

I was made a principal car loan maker or buyer, instead of a co-maker at XXXX XXXX on XXXX XXXX, XXXX by The Office Manager just to materialize the car lease. I was deprived to read the contract to fully understand and was given limited explanation and forced me to sign. Since that time my sister-in-law badly needs the car for their children, but to no avail I was forced to signed against my will. My sister-in-law relatives after 5 months became a strong XXXX victim in the XXXX, so she decided to surrender the car for financial constraints. The XXXX resale the car and charged the difference to me since my name was a Primary Buyer. The American Honda XXXX was charging me {$7900.00} despite of the request to waive the differential cost since we paid during 5 months and the car was in good condition and my sister-in-law relatives were badly affected by the XXXX and need to send financial assistance. That 's why she gave up the car. Now, the differential cost was sent to XXXX XXXX , XXXX as the debt collector 's agency. My sister-in law who is the sole working since XXXX with a XXXX child and XXXX children can not afford to pay the difference. Since my name was in the primary lease contract, my credit score became worsened and very low for that situation. I need to clear up my name and corrected the reports from XXXX reporting agencies. I can not pay the said amount because I was only made a principal by the XXXX because of my high and good credit score during the signing of lease in XXXX. May I request to please help me to clear my name and to ask the XXXX to waive their claim. Thank you.
Product: Debt collection

I have tried to reached out to this company to ask for proof of validation or any contracts tying me to this company and disputed the account but has not received any answer or information from the company.
Product: Prepaid card

My XXXX  benefits were stolen through money network fraud as well as my personal information. I tried to contact the customer support team, but they werent cooperative enough to resolve my complaint.
Product: Debt collection

Subject : Complaint Regarding Inaccurate Reporting of Identity Theft by Genesis Credit Management Dear Sir/Madam , I am writing to formally file a complaint against Genesis Credit Management for their continued and unlawful reporting of an account on my credit report that is a result of identity theft. Despite my numerous attempts to resolve this matter directly with Genesis Credit Management, they have failed to take appropriate action to remove the fraudulent account. 

Details of my complaint are as follows : XXXX. Account Information : The fraudulent account being reported by Genesis Credit Management. 
XXXX. Identity Theft Proof : I have provided Genesis Credit Management with comprehensive proof that the account is not mine. The documentation includes : A Federal Trade Commission ( FTC ) Identity Theft Affidavit. 
A police report confirming the identity theft. 
Proof of my identity, including copies of my drivers license and Social Security card. 
Additional documentation demonstrating that I was not associated with the account in question.

Despite submitting this information, Genesis Credit Management has neither removed the erroneous account from my credit report nor provided any response or acknowledgment of my dispute. 

Violations of the Fair Credit Reporting Act ( FCRA ) Genesis Credit Managements actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : XXXX. Section 611 ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation of the disputed information within 30 days. 
XXXX. Section 605B ( 15 U.S. Code 1681c-2 ) : Failure to block the reporting of information resulting from identity theft within four business days upon receipt of appropriate proof. 
XXXX. Section 623 ( 15 U.S. Code 1681s-2 ) : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information. 

Demand for Immediate Action I demand that Genesis Credit Management immediately : XXXX. Remove the fraudulent account from my credit report. 
XXXX. Provide written confirmation that the account has been removed. 
XXXX. Cease any further reporting of this fraudulent account to all credit reporting agencies. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and take appropriate enforcement action against Genesis Credit Management to ensure compliance with the FCRA and to prevent further harm to consumers like myself. 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment to be updated. 


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

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


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


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


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


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

hi, i have contacted Experian numerous times since there are several inquiries on my credit report that i did not authorize and they refuse to investigate and remove unauthorized inquiries on my credit report, they keep insisting that these inquiries are staying on my report for 2 years. 
These are the following inquiries that i do not recognize and did not authorize. 
XXXX  XXXX, XXXX  XXXX  XXXX, XXXX Card, XXXX  Card, XXXX  Card, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  Credit, US Small Business Admin, XXXX Card, XXXX XXXX, XXXX Card, XXXX XXXX XXXX, XXXX Card, XXXX, XXXX Dept of Justice, XXXX Card, XXXXn Thank you for your help
Product: Debt collection

Someone used my information to fraudulently open account or obtain services under my name. I filed a police report over this matter. Americollect Inc is now reporting one of these accounts to my XXXX  Credit Report.