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

I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

Between XX/XX/2023 and XXXX XXXX XXXX  XXXX  has reported to the credit bureaus that my car loan increased by XXXX dollars by missing a payment that's clearly not the case resulting in my credit score dropping by XXXX points with XXXX  and XXXX XXXX My balance as of XX/XX/2023 should be XXXX decreased from XXXX. What caused this increase balance? Not certainly a missed payment like they're incorrectly reporting. If this issue is not resolved i will sue them in court.
Product: Credit reporting or other personal consumer reports

I was stunned this morning to see inaccurate accounts on my credit report, and I can't understand why they're there. I did my usual credit report check, but this time, out of nowhere, discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors persisted. These accounts didn't disappear when I refreshed. Due to this alarming issue, I'm requesting that the documents I've submitted be thoroughly reviewed so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

I disputed incorrect personal information on my Experian credit report, including an inaccurate address and name variations, on XX/XX/year>. I provided all required documentation, including my government-issued ID and Social Security card . Despite this, Experian has not updated my information and requested additional documentation unnecessarily. Their failure to act violates the Fair Credit Reporting Act ( FCRA ) and is preventing me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Onemain ran my credit after telling me I was approved and when I get to the office I am denied. They did this several times on my report. I have already acquired a lian with them in XXXX of this year. Now I have 5 hard inquiries on my report from them. Miss use of consumer information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the non-compliance of XXXX, Equifax, and XXXX with federal opt-out and privacy notice requirements under 12 CFR 1016 ( Regulation P ) and 15 U.S.C. 6802. These agencies have failed to provide me with the necessary privacy notices and reasonable opt-out methods, and as a result, my nonpublic personal information has been improperly shared with third parties without my consent. 

Specifically : -I did not receive clear, conspicuous privacy notices that outlined how my personal information would be shared with non-affiliated third parties. 
-No reasonable means to opt-out of such data sharing was provided, either through an online form, phone number, or any other method. 
-I discovered that my personal information was disclosed to third-party companies, as evidenced by unsolicited offers and inquiries on my credit report, without my explicit consent.
Product: Debt collection

On XX/XX/19 I requested information from Comenity Capital Bank XXXX XXXX Rewards per the FCRA & FDCPA I exercised my lawful right to question the validity of this debt Comenity Capital Bank   XXXX XXXX XXXX agency claims has come due XXXX. In reviewing my credit file Comenity Capital Bank has reported to the 3 major credit bureaus negative activity. I requested Comenity Capital Bank to provide documentation of this account belonging to me with my original signature ( s ). I requested for Comenity Capital Bank to respond within ( 30-days ). I have the tracking report in which they received the certified letter from USPS on XX/XX/2019. I did not receive what I requested from Comenity Capital Bank, My original request was not been fulfilled by Comenity Capital Bank and has exceeded the timeframe.
Product: Debt collection

On XX/XX/2017, I received an alert via my XXXX account that a collection account from SW CREDIT SYSTEMS L.P. had been added to my credit report. The account referred to a XXXX account. This collection account was added to my credit report without any prior contact from SW Credit Systems. It is not mine -- I have a current and active account with XXXX. 

On XX/XX/2017, I sent a debt validation letter by certified mail to SW Credit Systems requesting them to validate this debt. They have not responded.
Product: Student loan

Respected Sir or Madam : I am following up with regards to my earlier complaint ID XXXX which was logged with CFPB. 

The lender insists that for international student the only way to repay is through XXXX. As I alleged in my previous complaint there seems to be a nexus between the two firms where they are forcing students to ONLY use XXXX service which charges not only an exorbitant fees but also is very poor in managing the payment. Unfortunately in absence of any other solution offered through my previous complaint, I had no choice but pay through XXXX. 

However, a payment that XXXX insists was posted on XX/XX/XXXX, ( Please see the attached receipt ) is still not reflecting on the firstmark system. They are insisting on reporting a late payment to the credit bureau when I have made the payment well within the deadline of XX/XX/XXXX ( Please see the threatening language in the attached email from firstmark ). 

This is creating a lot of stress for me and my co-borrower and borders on criminal. We would be highly obliged if you please escalate this matter as it seems Firstmark seems to be taking your powers very lightly. 

Thanks and regards, XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute with transunion because my XXXX XXXX  are reported 2 times. The loans were transferred almost a year ago. The double reporting has my debt looking like over XXXX XXXX XXXX XXXX. It is my right to have my information reported correctly
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of

these circumstances apply in this case. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), c
redit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax held on to information crucial for its customers in order to perform insider trading before the release.
Product: Credit reporting

XXXX Bank sent me an XXXX for {$2400.00} a credit card account back in 2014. I added it to my tax return and I thought they would update the balance with the credit bureaus. However I looked at my credit report today and it is still reporting a balance of {$2400.00}. This negative reporting is hindering my credit report and score and I would appreciate it if you investigated this account with XXXX.
Product: Checking or savings account

US Bank linked my brothers checking account to my mortgage account for payments. My name is the only one on that mortgage. This is a data breach. They never could explain how this happened or why.
Product: Bank account or service

We scheduled a time to open an IRA account for my wife in XXXX. A XXXX cancelled the appointment and rescheduled if for XXXX XXXX, a week later, on XXXX XXXX after XXXX, XXXX, left a message, they do not provide the services on Sat. When asked, why such a late notice, he states, he called before XXXX, time stamp shows XXXX then states, we did not keep the last appointment. He should have just apologized ; there was no excuse for us to wait a week to be told that. We are closing all our accounts this week.
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate CITI XXXX THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this is going on but I have a large number of inquiries on my credit report from multiple banks and finance companies That I did not do. 
I have frozen my credit reports on all three credit reporting agencies but yet the inquiries continue to come. 
On XX/XX/XXXX I went to my bank and was denied Credit because of a large number of inquiries. 64 on TransUnion alone! XXXX to today. 

XXXX. XXXX Dispute Submitted XX/XX/XXXX Dispute Completed XX/XX/XXXX I have put in a dispute with XXXX about this problem and their automated response was quickly returned - in less then 24 hrs after - that inquiries stay on the report for two years. ( XXXX XXXX reported ) XXXX XXXX did do the right thing and tried to help BUT! I'm back @ XXXX with them. 

3. TransUnion Dispute Submitted TransUnion also informed me That inquiries stay on the credit report for up 2 years. 
They then told me to file a report with the FTC and mail said report back to them and then they can be removed. the FTC website pushed me to this page and here I stand Help! 
Thankyou XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX H XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 accounts 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 alleged fraud or extortion. 
Please remove these accounts in my file : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00}
Product: Debt collection

I have communicated with your company for over six months by letter and phone conversations and your company PORTFOLIO RECOVERY ASSOCIATES has stated your company aka PRA has validated a debt by me ( XXXX XXXX XXXX ) to PORTFOLIO RECOVERY ASSOCIATES. However, PORTFOLIO RECOVERY ASSOCIATES has yet to provide any debt validation to me in accordance with 15 US CODE 1692g.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Robinhood Credit , Inc. ( formerly known as XXXX ) for failing to address a critical issue related to the FAIRNESS and accuracy of the information they reported to credit bureaus concerning my XXXX Card account. 

On XX/XX/year>, I lodged a complaint with Robinhood Credit , Inc. regarding what I believe to be unfair and unauthorized reporting of my transactional history. My initial complaint was based on the understanding that, under the Fair Credit Reporting Act ( FCRA ), transactional history is generally excluded from permissible reporting unless explicit written consent is provided. I have never given such consent.

In their response, Robinhood Credit , Inc. asserted that the balance reported to the credit bureaus matched the statement balance from my XX/XX/scrub>XXXX XXXX XXXX account statement. However, their response failed to address the central issue of my complaint : the fairness of reporting this balance without my consent. 

The FCRA mandates not only accuracy in reporting but also fairness. The unauthorized inclusion of transactional history, in the form of a cumulative balance, is neither fair nor compliant with the FCRA. Accurate reporting alone is insufficient if it is not also fair. By reporting this information without my explicit consent ( See 15 U.S. Code 1681b ( 2 ), Robinhood Credit , Inc. has violated both the letter and the XXXX of the FCRA. 

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

I have reached out to XXXX to let them know they were reporting incorrect payment for XX/XX/2019. They stated that they would update the credit bureaus to reflect no late payment for XX/XX/2019. I decided to check my reports due to an alert indicating XXXX being reinvestigated, only to find out that XXXX has made the dispute worst by continuously report incorrect information to both Experian and XXXX. I contacted both agencies and this is what they said to me : " Experian stated that they received an electronic notification back from XXXX indicating a 30-day late payment for XX/XX/2019 is correct. XXXX   stated that they received an electronic notification from XXXX indicating a 60-day late payment for XX/XX/2019 is correct but they did not provide any actual or physical supporting documentation to support their claim but stating account has been 30 to 60 day late and verified payment for XXXX is correct. '' XXXX has sent me documents to show that I was never late in XX/XX/2019, yet they are still reporting to the above credit bureaus that I am. I have sent those same documents to both credit bureaus to correct the XX/XX/2019 payment to reflect Ok- paid as agreed. They will not change it because they said it's the creditor ( XXXX ) responsibility to make the change. Per the Fair Credit Report Act, the creditor & credit bureau must report accurate and verifiable information. In this case, they both are clearly in violation of the FCRA Law and they have caused major damaged to my credit rating and score since XX/XX/2019 to current. 

Facts : Home was sold onXX/XX/19 and XXXX received full payoff as of XX/XX/2019. So, how can I be 30 or 60 days late for XX/XX/2019 when they received full payment on the loan with the  documents attached. By the way, 30 days late does not start until XX/XX/2019, and loan was paid off on XX/XX/2019..less than 30 or 60 days late? The fact of the matter is, they are reporting incorrect lates against me for XX/XX/2019 with Experian and XXXX. If this is not corrected in a timely matter, I will be seeking legal counsel for damages. 

Enclosures : Experian Credit Report for XXXX XXXX  Credit Report for XXXX XXXX XX/XX/2019 History to prove I was never late in XX/XX/2019 Closing Disclosure dated XX/XX/2019 from the sale of the home Escrow Refund Check dated XX/XX/19 P.S. How can I be 30 to 60 days late for XX/XX/2019 when the loan closed on XX/XX/2019 and the Cancellation Of Deed To Secure Debt dated XX/XX/2019 does not constitute a late payment when XXXX received all funds on XX/XX/2019.
Product: Debt collection

This debt collector contacted my daughter via text message trying to collect an debt. I have never used my daughters number to obtain credit and Im sure in court Im able to prove it from whoever the original creditor is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an email Credit Karma support asking to remove vehicle information listed on the Credit Karma website on XX/XX/2019. I communicated with support over a series of weeks. They said they could not remove the information and you had no choice but to have a vehicle listed. I did not like this, so I asked to have my entire Credit Karma account closed. They said I needed to send in two forms of ID, because I had a savings account open with them. 

I have never been asked for this information while closing a savings account. I did not feel comfortable sending in the information they are demanding. I just want to cancel mt Credit Karma account. Below is the information they want. 

" In order for me to close your account, I need : Last 4 of SSN Verified phone number I also need two different forms of identification are required - either two primary or one primary and one secondary document. I can only accept documents that are current and valid, not expired. 

Primary documents include : Drivers License or State ID Passport Permanent Resident Card ( Green Card ) Military ID ( requires front and back ) Secondary documents include : Another document from the primary list Birth Certificate Social Security Card ( can't be laminated ) Full Utility Bill such as gas, water, electric or internet. Your service at address must match whats on file with XXXX  or  XXXX. We can not accept credit card or banking statements or a cell phone bill. 
Once I hear back, I would be glad to continue assisting you. Thank you, and I look forward to your reply. 

Regards, Credit Karma Member Support ''
Product: Credit reporting or other personal consumer reports

The response letter was dated XX/XX/year> and they said they could not identify accounts. I'm responding enclosing my personal information, and demanding that all accounts that have incorrect information be removed as required by law. 

And Equifax has attempted to buXX/XX/XXXX
Product: Checking or savings account

I transferred XXXX from my checking account which holds by XXXX XXXX to my debit card which holds by Capital one.I called the customer service multiple times but they could not see any payment what XXXX XXXX sent to them.I saw a pending payment on my account briefly but the next day it was removed by The Capital one.After that I went to the local branch and showed them the proof of payment /a check /what was sent by the XXXX XXXX but they could not help me.
Product: Student loan

I have borrowed approx. XXXX student loan over my college and after XXXX  ends, I was ready to repay all of it in a lump sum payment. The payment was first made through aidvantage on XX/XX/XXXX where I carefully entered my XXXX  account. The amount of payment is XXXX, which at that time is the whole amount including interest. I received a email from aidvantage right after that the payment is confirmed. However, I was surprised when I find out about a month later that my payments are still accumulating and the overall did not lower a bit. I thought it might be a mistake so I tried again. This time I entered a {$25000.00} payment on XX/XX/XXXX, believing that it should significantly lower my account total. This time I doubled checked the bank account that I entered and made sure there was no mistake. The same thing happened, i received a email confirmation but the next day when I check back the balance was still there. Account history said both payment are reversed, however, no reason was provided for the reversal. I called my bank XXXX XXXX XXXX  and asked whether the amounts are ever posted and they told me no, and I called Aidvantage and found out nothing new other than what I already know. The customer service is not helpful at all and could not provide the exact reason that my payment was reversed, despite I have the right information. After I looked online, I found numerous cases of similar issue reported from all over the states. And no one have had a clear solution from aidvantage. I now highly suspect that the agency is making lump sum payments difficult, with the intention to collect more interest to benefit themselves
Product: Credit reporting or other personal consumer reports

I applied for MPower Financing student loan to study masters at XXXX XXXXy in the XXXX XXXX requested the amount $ XXXX XXXX and I was denied because my projected dept burden at the time of graduation exceeds risk limits as reported. I have no debt both home and abroad. I applied at XXXXXXXX XXXX in the United States 2022 and I did not get the Mpower Financing student Loan. please send me a copy of my credit report. Please, I need finance to do my study in the United States legally and I am passionate to pay back on time.
Product: Credit card or prepaid card

BANK OF AMERICA N.A. took adverse action against me by lowering the credit limit on two ( 2 ) business credit cards I have with them without my prior knowledge or consent. They based their decision on unverified information listed on my consumer report which they were not given explicit permission to check. This caliber of discrimination has caused me great anguish as I am unable to handle my financial affairs properly. I have written two letters in regards to this matter as of XX/XX/2023.