23daVinci/CFPB_Complaints huggingface dataset:
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 USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, they have 5 inaccurate late payments reported, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed credit card account from XXXX with XXXX / XXXX that is seven years old and has been disputed before and on XX/XX/XXXX, XXXX one out of the three credit reporting agencies removed this account from my credit within five days, the other two agencies Experian and XXXX told me by phone on XX/XX/XXXX they have to follow federal guidelines but have the right to retain this information on my credit during that seven year period even if the closed dates are disputed to be incorrect, this account is showing in the XXXX system as frozen after it was disputed, it was explained to me by XXXX customer service this wasn't done by them that XXXX / XXXX put a freeze on this account so nobody could remove it from my credit until XX/XX/XXXX, I contacted XXXXXXXX XXXX questioning this and got nowhere with them, Experian is continuing to report this until XX/XX/XXXX and will not remove it until that date, this may only seem like a few months but this is a way for the credit card companies and credit reporting agencies to punish the consumer.
Product: Credit reporting or other personal consumer reports

I just found out my credit report and I found some inaccurate accounts that were reporting. I have meda inaccurate accounts that I made list i would like to remove them. I in the process of my buying my dream home in XXXX so please remove these inaccurate these accounts from my credit report.
Product: Credit card or prepaid card

Synchrony bank and its affiliate Belk, gave me misleading information in the credit application process, just two months after approving me for a credit limit of just {$300.00}, I guess this was to benefit from interest charges from me. I then became unworthy of doing business with them as they have sent a letter in the mail stating my creditworthiness is not up to their standard and they have reduced my credit line to {$190.00}. Why did they not tell me in the first beginning i was not WORTHY of doing business with them, I feel unfairly treated, abused and that they have deceptively drawn me into their scheme of consistently treating consumers unfairly. They have monopolized the retail market and if you don't have the worthiness they are looking for is that how they treat customers? Consumers who actively pay their credit statements and stay within guidelines should not be put to shame as how they have treated me, it's as if they are telling me we don't want your business please leave. I have seen numerous complaints about their business practices and it seems as if they consistently oppose the Dodd-Frank law with the UDAAP activities they offer to consumers everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

: I have recently been informed again that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$240.00}, {$240.00}, {$240.00}, {$350.00}. I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twice or reported wrongthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per XXXX opinion letter from XXXX XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Debt collection

They do n't have the right to collect in the state I reside in which is the state of Maryland. The address that comes up on my credit report is  XXXX , FL. Also, on my credit report the full does n't appear either. It says Enhanced Recovery Compan instead o f Enhanced Recovery Company.
Product: Credit reporting or other personal consumer reports

The US Dept of Education owns my student loans. Without my permission, XXXX XXXX and DOGE have had access to my student loan records which is confidential information protected by FERPA. As someone who worked in education, I am very familiar with FERPA and know my rights. This information was shared without my consent or knowledge with someone who has no legal standing to access my records. I want this addressed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT REPORTING AGENCIES ( EXPERIAN, XXXX, AND XXXX ) DID NOT ASSIST IN CORRECTING THE INCORRECT INFORMATION BEING REPORTED, EVEN AFTER, I SUBMIT PROOF OF THE INCORRECT INFORMATION BEING REPORTED. - XXXX XXXX XXXX ( XXXX XXXX XXXX ) IS REPORTING, ON BOTH OF MY CREDIT CARD ACCOUNTS, THAT I HAVE BEEN, AND STILL AM, MISSING PAYMENTS. THERE WAS AN ERROR, ON BEHALF OF THE XXXX XXXX XXXX XXXX, WHEN THE SERVICE SHOULD HAVE BEEN MAKING PAYMENTS, ON MY ACCOUNT, WHILE I AM UNEMPLOYED, BECAUSE I LOST MY JOB. THIS IS THE SERVICE, FOR WHICH, I HAVE BEEN PAYING FOR, SINCE I OPENED MY CREDIT CARD ACCOUNTS. THEY DID, EVENTUALLY, MAKE ALL OF THE MISSED PAYMENTS, BUT THEY NEED TO CORRECT THE PAST NEGATIVE REPORTING, BECAUSE THE SITUATION WAS NOT AN ERROR, ON MY PART, AND XXXX XXXX XXXX NEEDS TO REPORT, TO THE CREDIT BUREAUS, MY ACCOUNTS ARE " PAID AS AGREED '' AND CURRENT, AFTER PREMIER CREDIT PROTECTION CORRECTED THE ERROR AND MADE ALL OF THE LATE PAYMENTS, UPON MY ACCOUNTS. - EXPERIAN, XXXX, AND XXXX HAVE THE UPLOADED PROOF THAT MY ACCOUNTS ARE CURRENT, AND THERE WERE ERRORS MADE ... STILL, THE CREDIT REPORTING AGENCIES HAVE NOT CORRECTED THE REPORTING, OF MY TWO CREDIT CARD ACCOUNTS.
Product: Debt collection

XX/XX/2019, I had taken a Payday loan from Money Key. I am NOT disputing Money Key, I am disputing a company that told me that they purchased the debt. The company is called XXXX, XXXX XXXX XXXX XXXXXXXX and I was told they are based in XXXX. I along with 2 of my friends received a call from an unknown number stating that if I didn't call XXXX that someone would be at my home or work place in 48 hours. I did not call back, so they called again the next day. My friend answered her call, and spoke with XXXX XXXX who called from an unknown number and told her that if I didn't call back they would be be at my home or work place in 24 hours. So I called back. I spoke with XXXX XXXX that had all of my information from Money Key. He had 2 recommendations for m. The first was that I could refuse to apply and they would proceed with legal action and I would be charged court fees and interest on top of the original debt or I could make a voluntary agreement with them to pay monthly installments on the debt but I would have to pay with debt card, credit card, prepaid card, but I could not mail the payments. I agreed and gave them my credit card. He then transferred to a lady. I didn't get her name, but she was to confirm everything. I asked what was the name of the company and she stated that I spoke with XXXX from XXXX but she was from XXXX XXXX  which is explained to be a third party billing company. She stated that they would send me an email for me to sign to confirm. When I received the email, it did not look right to me. No address and the grammar was off. So I called the number I called early that evening and it went to voice and said that I reached a XXXX area code phone number which is in XXXX, WI. So I XXXX both companies and can't find a website or address. I XXXX the phone numbers and could find nothing. I called XXXX XXXX back at XXXX, the next morning, and they stated that they are based in XXXX, and they not have a building with an address for me to send my payments to. He then stated for me to follow the chain of title. That this was a pre litigation collection. So I stated to him that I would like for him to mail me everything. He got defensive and stated that he was removing my credit card information and take this to litigation, so I told him I would see him in court. 

I have attached the agreement that was sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Account # XXXX Follow-Up : No Response Received Regarding Late Payment Dispute** Dear Sir/Madam, I am writing to follow up on the letter I sent on [ insert original letter date ], regarding the late payments marked by your company for my account on the following dates : Date of Late Payment : XX/XX/XXXX Date of Late Payment : XX/XX/XXXX In my initial correspondence, I requested information pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC 1666 ( b ), specifically regarding the reasonable procedures you have adopted to ensure timely and accurate reporting of payment history on my consumer report. Additionally, I requested a written explanation of how these procedures align with the requirements set forth under section 1637 ( b ) of Title 15. 
As of today, I have not received a response from your office. According to the Fair Credit Reporting Act, you were obligated to respond within 30 days of receiving my letter. Your failure to respond within this timeframe implies that you may lack the necessary procedures to verify the accuracy of the late payments reported.

Given the absence of a response, I request that you promptly remove the late payments from my account and update my consumer report with the credit reporting agencies ( XXXX, Experian, and XXXX ) to reflect this correction. The negative marks on my credit report are adversely affecting my financial standing, and I urge you to address this matter with the urgency it deserves.

Please confirm in writing that the requested corrections have been made and that my account has been updated to reflect a positive status. You may forward any updates and responses to the address listed above.

Thank you for your attention to this matter. I look forward to a prompt and positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending a removal of debt request to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, I received a refusal to remove the debt from my credit report on all XXXX bureaus on XXXX XXXX. The letter stated that I had not provided enough information related to my dispute. The XXXX documents they sent me were a " move out statement '' dated XXXX. It has a list of charges adding up to the balance of {$5700.00}, and an address with the zip code of XXXX ( a postal code in XXXX, XXXX ). The other document is an Apartment Lease Contract. This document has all electronic signatures and an address with the zip code of XXXX. Both of documents are in consistent, fabricated, fraudulent, and I want this debt removed from my credit report on by Experian and XXXX. XXXX has honored the dispute of this debt, and removed it already. But I have been turned down by XXXX apartments in the last 2 years due to this fraudulent debt. I need it removed as soon as possible.
Product: Debt collection

national service bureau claims we owe for damage to a vehicle during the process of towing. We did not tow the vehicle, have no record of ever towing that vehicle, working with or speaking to the owner of that vehicle, nor did we receive any damage claim at the time the tow was claimed to have been provided. Per NSB, XXXX paid the claim and found us at fault. Nothing was ever submitted to our insurance, and our agent has been harrassed and called names by NSB representatives. NSB has been informed that this not is our debt, and was requested to provide proof that we provided a tow of the vehicle in question, they have failed / refused to do so. 

Collection attempts have continued, and are becoming aggressive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am a victim of identity theft stemming from the XXXX data breach, which exposed my personal information to unauthorized individuals. Fraudulent accounts have been opened in my name, and I am requesting that these accounts be blocked and deleted from my credit report under 15 USC 1681c-2 ( a ). The accounts listed are not legitimate and do not reflect actions taken by me. I am taking this step to protect my credit file from further harm and to ensure its accuracy.

This clearly states the link to the data breach and emphasizes your right to dispute fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota You are in direct violation of the fair credit reporting act ( XXXX ) Has violated several of my rights.

15 u.s.c 1681 section 602 A. Clearly states that I have rights to my privacy.

15 u.s.c 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1666b : A creditor may not treat payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove the late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit card or prepaid card

Somebody open a credit card fraudulent in my name I have police report and notified and they still report it to my credit
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear CFPB, I am writing to file a complaint regarding a charge-off reported on my credit report by HSBC Bank USA , associated with account number [ XXXX ]. 


Despite consistently making payments towards this debt, I was unable to bring the account current, leading to it being charged off. While the charge-off itself is accurate, the reporting does not reflect the efforts I made to settle the debt during a financially challenging period. 

This charge-off has severely impacted my credit score and has disrupted my ability to : 1. Secure a XXXX loan to finance my XXXX XXXX XXXX 
XXXX. Secure approval for grants from the Small Business Administration ( SBA ), for a business I am trying to establish. 

- I have contacted HSBC Bank USA, multiple times to request a reevaluation of my case and a possible goodwill adjustment due to my consistent payment efforts. Despite my efforts, my requests have been denied. 
- I have reviewed my credit report for any inaccuracies and confirmed that the information, while accurate, does not reflect the context of my payments and financial hardship. During my payment agreement prior to the charge off, I continued to make payments with the intent to pay until my financial situation improved. However, due to the severity of my financial situation I was unable to participate in a formal payment agreement. 

I have attached the following documents to support my complaint : 1. Correspondence from HSBC stating to change my credit report to settled in full for less than the balance owed.

2. Correspondence of my payment of {$700.00}, with text paid in full as agreed.

3. Relevant sections of my credit report highlighting the charge-off. 

XXXX XXXX XXXX Desired Resolution : I respectfully request that the CFPB assist in resolving this issue by : XXXX. Encouraging HSBC Bank USA to reconsider my case and remove the charge-off from my credit report as a gesture of goodwill, given the efforts I made to pay down the debt. 
2. Ensuring that my financial hardship and consistent payment efforts are considered in the reporting of this debt.

Thank you for your attention to this matter. I am hopeful that with the CFPB 's intervention, a fair resolution can be reached that accurately reflects my financial efforts and alleviates the undue impact on my creditworthiness. 

Sincerely,
Product: Credit reporting

Student loans are in deferral. Transunion is still reporting incorrect monthly payment amounts, monthly payment for all 4 loans is supposed to be {$0.00}. I have disputed this with their office at least 3x now and provided documentation as well to get this cleared up. They have n't corrected it after disputes and documentation proving what i was saying.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The list of accounts below is reported inaccurate on my Equifax consumer report. these items have violated my consumer rights under the Fair Credit Reporting Act. It has no account name and it only reports to Equifax. As mandated in 15 U.S. Code 1681i Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally request the immediate blocking and deletion of the following unauthorized accounts from my credit report. I am a victim of a data breach, and these accounts were fraudulently opened without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these fraudulent accounts from my credit file. 
XXXX Accounts : XXXX. XXXX o Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$700.00} XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Amount : {$19000.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Amount : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$340.00} XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$700.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX o Amount : {$760.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute 3 bankruptcies on my credit with XXXX in Experian on XX/XX/2023 asking them to verify these bankruptcies they never sent me any information with my signature on it I ask them to please provide me with paperwork they never did this has been an ongoing battle with them about this matter I have sent them in documents from the bankruptcies court saying they didn't verify this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 7 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.