23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I received an email from  XXXX  stating they 've identified a change in my credit report this afternoon at  XXXX . I visited the  XXXX  website to see what the change was and it was a hard inquiry from Clarity Services  Inc  on the behalf of  XXXX  capital. I have never applied for any credit or loan form either company. I called  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   to see where they got my information from to run my credit and all  XXXX   XXXX   (  floor  XXXX  ) stated was that the application was denied and she could not tell me anymore information. I am asking that this inquiry be removed from my credit as I have never applied for any loan or credit with this or any other company.
Product: Credit reporting or other personal consumer reports

I am a debt bondage survivor, a form of human trafficking where I was compelled to incur debts under coercion, leading to several negative entries on my credit report. I am currently working with a representative from the XXXX XXXX, which assists human trafficking survivors. We are utilizing the protections afforded under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information associated with trafficking experiences upon the submission of an official claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX and the credit agencies XXXX and transunion are reporting several incorrect things like the Date of Last activity with diffferent dates from different years. They are also reporting the opening the date as different dates. Even the account numbers are reporting two different account numbers.
Product: Student loan

I have been paying on my federal student loan debt since 2015. I am working for a XXXX XXXX XXXX XXXXXXXX  as a XXXX XXXX. I have always been enrolled in a loan repayment that fell into PSFL requirements. Great Lakes was my loan servicer. They transferred all of my information ti Nelnet servicer. Nelnet is telling me they only show XXXXcurrent. None of my payments I have been making all these years has been transferred. They lost all of my information and processed payments. I want answers and I want my payments allied and counted as qualifying payments for public service loan forgivness.
Product: Credit reporting

Today I received an e-mail purported to be from XXXXXXXXXXXX. It read : A change has been made to the e-mail address for your Equifax account. This confirmation message has been sent to the old and new e-mail addresses. 

If you feel this is in error, please call us at XXXX ( XXXX ), 7 days a week between the hours of XXXX - XXXX Eastern Time Zone. You may e-mail us any time at XXXXXXXXXXXX. Or you may write us at Equifax Consumer Services , Inc. XXXX XXXX XXXX, XXXX , GA XXXX. 

Your Equifax Customer Care Team NOTE : This e-mail is for your information, and does not require a response. If you need assistance on this or any other Equifax product, please contact us at XXXXXXXXXXXX, or call us at XXXX ( XXXX ). We kindly ask that you DO NOT REPLY to this e-mail. 
Based on viewing my Equifax report on your site, and my phone calls to Equifax , I can only conclude that this is a phishing expedition on their part to get me to buy protection services from them, as I have not had an account with them for many years, and I certainly did not change my e-mail address. 

Please look into this. I do n't believe they are allowed to use scare tactics ( ie : someone has accessed your account and changed the e-mail address ) to get people to buy protection from them. 
By the way, I did not call the number above, but rather contacted them on their web site number of XXXX XXXX, as I could not be certain the above number was actually them. 
Respectfully ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my XXXXredit score went down 42 points. When I checked my credit report, my on-time payment history had decreased from 98 % to 95 %, and I am currently late on my XXXX payment on all 3 credit bureaus. The message related to why the huge drop in my score along with my payment percentage going down stated that it was due to a missed payment from XXXX XXXX, which is my creditor for my car loan. However, when I checked my XXXX account information on my credit report, there was no missed payment showing. I still have all green checks for on-time payments, so none of this should have ever happened. On XX/XX/XXXX, I called the credit bureau to find out what happened and to see if it was a possible mistake since my account was not showing anything about a missed payment. They stated that it could have been a mistake but they stated they did not know why and they did nothing to remove it. On XX/XX/2022, I called XXXX and asked why this happened since I hadn't missed a payment. They stated that they were not showing a missed payment for me at all and that they did not provide the credit bureaus with any information pertaining to a missed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have contacted all XXXX credit bureaus to have debt removed older than 7 years. They keep updating the dates and keep it in my credit. This has caused me to have bad credit for past 25 years. I have 100 % payment history for many years and paid many loans off. My credit is damaged due to the credit agencies not following procedures and proper investigation. This has caused me a financial burden for many years. I just want the credit score that I deserve and work very hard to achieve.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report without any explanation. I routinely check my report, but this time, unexpected errors appeared. I even refreshed my browser, thinking it might be a glitch, but the incorrect accounts stayed put. Im now requesting that my documents be reviewed carefully so I dont have to worry about this happening again.
Product: Credit card or prepaid card

I had an American express Platinum card, it was opened on XX/XX/XXXX and during the course of using this card i was not informed that i have to pay all my bills when its due. So during the due date i called the customer service representative and told them i had no idea the full balance was due immediately. The representative i talked to said that if am able to pay a certain amount that it will not be considered a late payment. I paid more than the amount agreed and on the agreed date i paid the remaining balance. So weeks later i found out that they still reported my account as late even due we came to an agreement that if i finish paying my balance on the date agreed it will not be considered late payment. I contacted American Express on the issue, told them of the arrangement i had with the representative but they kept sending me to different departments every time.I didn't know what else to do so i closed the account on XX/XX/XXXX but the late payment is still there and it is hurting my credit score. I hope you can help me resolve this dispute. Thanks.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX I received a letter from a debt collector called Penn Credit which they are trying to charge me for a ticket citation that I paid in a court of law on XXXX XXXX in XXXX XXXX XXXX XXXX in XXXX XXXX The amount was XXXX in which is wrong. The dollar amount of my fine from the judge was XXXX. They threatened that if I didnt pay XXXX may be in place and my registration would not be renewed. I called and informed them that this was paid. They said that they would put a dispute on it.Also I called the creditor listed on the letter XXXX XXXX XXXX XXXX since this was a XXXX XXXX XXXX I called them they informed me that a company called XXXX XXXX handled and send out all the information to the collection agency. I called them at XXXX on XXXX XXXX and informed them I paid the citation they said they had no records of me paying the citation and I would have to send them a copy of proof. I wrote a letter to Penn Credit and told them I dispute the collection letter and I sent them a letter I have from the court to prove that I paid it. I also sent the same proof to he XXXX XXXX XXXX in XXXX, VA. I want them to know I am not gon na be a victim and let them destroy my credit with this false information. The citation was paid because I was not gon na let my driving license get suspended. I informed them that I am filing a complaint against them because I do not want this to affect my credit. Please advise me what else I can do to protect myself from predators like this who target and take advantage of people. I am trying to keep my credit score up in good standards. Thank you very much.
Product: Debt collection

In XX/XX/XXXX, a debt collector contacted me about a loan that i 'd obtained from speedycash in XX/XX/XXXX when i had a XXXX 's checking account. She first off represented herself as a state attorney and said she was going to prosecute me on fraud charges for taking a loan that i had no intentions of paying back. I tried to explain to her that i had discussed my situation at the time with speedycash and XXXX but she was not trying to hear that. She was very obnoxious, rude and disrupted me every time i would try to speak with her. She specifically told me that if i did not have {$1500.00} dollars by XXXX that she was going to send a XXXX county deputy to my house to pick me up. So in the mist of crying and panicking, i called a lawyer but did not follow through with it because i eventually calmed down. By XXXX exactly a man stating that he was a deputy calling from a XXXX county police department number said that i had only 2 options and that i should not hang up the phone in his face. He said that i could either listen to the lady representing herself as a state attorney or i could come and turn myself in or he was going to come pick me up. That ordeal ended with me calling the lady back and asking her for additional time to pay it which she said i did not have. I was very upset! I explained my whole life situation to those people but they still treated me horriblely. I have also recieved an email from a gentlemen from speedycash on XX/XX/XXXX.  The details of that email will be enclosed below.
Product: Credit reporting or other personal consumer reports

I recently purchased a house a few years ago and unfortunately I came across some damages that really needs some attention. I wanted to refinance my house to see about using some of my equity. I had to review my credit report in order to do this because my lender said it would be best if my scores were better than when I initially purchased. Upon checking my report I noticed some inquiries that I did not recognize. I have no knowledge of several Hard Inquiry on my credit report. According to 15 U.S.C. 1681 law states they have to be removed immediately, it is defamation of my character. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A Capital One Bank USA account ending in XXXX was opened in my name on XX/XX/XXXX without my knowledge or consent. High credit of {$2900.00} with a XXXX limit was charged and the amount was never paid off. All of this information I obtained through my XXXX credit report. I called Capital One in XXXX upon learning that my identity had been stolen and they informed me that there was an alert on the account and they could not discuss details with me but would get back with me. I never heard back from them until it was turned over to collections and I received a bill for {$3100.00}. This was the first bill I ever received sent through mail to my address, dated XX/XX/XXXX, from collections. 

I never received an initial card sent to my address. I never received account disclosure and details sent to my address. The first I ever heard from Capital One was once the card was delinquent they began to send text messages to my phone beginning XX/XX/XXXX. Initially, I thought it was a scam so I ignored the first couple texts but then after checking my credit on XXXX, I realized someone had in fact opened an account in my name, charged an initial {$2900.00} to the card and never paid. 

To this day, I do not know the original address card was sent to, the full card number, and what was purchased. I am going to follow up with frauds department at Capital One.
Product: Mortgage

XXXX XXXX XXXX XXXX # XXXX. ( XXXX ) XXXX Aldridge Pite , LLP XXXX XXXX XXXX XXXX, XXXX, OR XXXX Filed this forgery robosigned false XXXX assignment on XX/XX/XXXX in the Federal District Court in XXXX in violation of criminal US code.
Product: Checking or savings account

I opened a business account with Navy Federal Credit Union under my previous name XXXX XXXX XXXX for XXXX XXXX XXXX and the business is no more. I have dissolved it and tried to close the account with Navy Federal Credit Union, however, I have been met with so many obstacles and given the run around. All of this is aggravating my XXXX symptoms of being a totally XXXX XXXX Veteran with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I feel as if I have been discriminated against, not treated fair or with dignity.
Product: Bank account or service

Experian Credit Reporting indicates I signed up in XX/XX/XXXX, which is true. However, I put in a request for cancellation in XX/XX/XXXX. Experian says they received no notice of this and I have no confirmation email. I have asked them to examine their records for any logins to the site, and only requested credit back of {$21.00} for the past 3 months, as that is standard to request for any purchase you dispute. They declined, offering 1 month credit only. I wish to receive the other two months. I should receive 6 months, but since I did not follow through on this - due to the death of my sister XX/XX/XXXX, when I no longer was interested in following my credit score or anything else, this is all I am asking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent accounts. For yet another last time, the following accounts are as a result of fraud : XXXX XXXX ACC # XXXX, Opened Date XXXX XXXX, XXXX, Highest Balance {$590.00} XXXX XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} XXXX XXXX XXXX XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my intent to find a resolution for this case failure to which I will file a lawsuit against this company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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: Mortgage

Earlier this year, I was pre-approved for a USDA home loan through Allen Tate Mortgage. After providing verification of income, college transcripts, identification records, tax forms, etc. I went under contract on a home and began the process of paying for due diligence and home appraisal. I was then informed about two weeks before my closing date that my loan had been declined ( after paying out close to {$900.00} ). My income, credit score, and other factors all met guidelines for this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate late payments on my report. I sent numerous letters stating the reporting was inaccurate and unverified. I requested information as to how they verified the information. They did not give me a response. I received a letter in the mail that they would not re-investigate unless I provide them with proof that payments were made on time. I sent in My bank statements as well as proof of payment received by each creditor. I requested a response back within 15 days. They did not update the information although I provided proof. Instead they sent me a credit report which I did not request. I called in and the agent that I spoke with said that they received my recent proof ( statements ) on XX/XX/2020 however nothing was done to rectify this ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : ATTORNEY GENERAL-CHI XXXX XXXX : {$6200.00}
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to delete 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made and uninformed decision when I applied for this card. It wasnt clear to me ( Law 15 USC 1602 ) So the agreement is fraud and a violation Also They dont have permission to report on my consumer report with out my permission. ( Law 15 USC 1681b ) 1. XXXX XXXX ( XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX  XXXX ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My FICO score was well over 800 at one point this year. It took some unwarranted hits in late summer when I took action on several suggestions from Experian to apply for a 0 % interest credit card to pay off an essentially dead account with XXXX XXXX, a high interest card. I took action on these suggestions and secured an 18 months 0 % interest card with XXXX XXXX, a XXXX XXXX. By so doing I am paying off this old debt with payments that will pay off the total balance transfer before the interest free period expires. Experian has failed to recognize this credit card for what it is, an interest free balance transfer. Because they fail to do this it shows as a sudden spike in credit usage and has adversely impacted my " exceptional '' credit rating which I have worked diligently to achieve. I continue to receive suggestions from Experian to acquire an interest free balance transfer card or a small interest loan to retire this amount with XXXX XXXX. They wouldn't continue to bombard me with these suggestions if they were looking at my XXXX XXXX Card balance transfer as the solution they were recommending all along this past summer. I am frustrated with their actions which are essentially unwarranted and keep bouncing my credit score around to the point where I don't want to log on each month. It's their mess!