23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I was pushed into deferment, but when i started paying back they said I was late. My payments ( multiple separate loans they say ca n't be consolidated ) went up by hundreds of dollars.
Product: Payday loan, title loan, personal loan, or advance loan

Good afternoon, As of today XX/XX/year> the incorrect amount and status is still being reported by Tower Loan to the credit bureau. On XX/XX/year> my loan was paid in full which means the balance is at XXXX. I made an attempt to resolve with them directly and response was not received. Please assist as this is affecting my credit score. Thank you. 

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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identity theft A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher
( s ) of that information Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Navient put my account on Deferment and Forbearance as a " courtesy '' without my knowledge, when I enrolled part time in online classes. Interest still accrued of course, while my automatic payment debits were paused for 1 year. Therefore, they secretly accrued more interest without my knowledge. After a 1 year deferment, they rolled on a 2 month forbearance as a " courtesy so that I did n't get surprised when the deferment dropped off '' according to their agent on the telephone. Makes no sense, if its on automatic payments another 2 months of forbearance is not a courtesy. Furthermore, their communications to me in email are all using vague language and so I never knew these changes were being made to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person
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. 
The account listed below has posted a collection account on my three credit repoorts. This account never belonged to me, and can not be verified. 
Account name : XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681s- Responsibility of Furnishers ( B ) Duties of Furnishers of information upon notice of disputes ( D ) if the investigation finds that information is incomplete or inaccurate report those results to all other consumer reports agencies to which the person furnished the information and that compile and maintain files on consumer on nationwide basis So I feel unde FCRA my rights being violated because the account listed below was deleted off XXXX but not all XXXX  credit bureaus everybody did a investigation why is it not deleted on all credit bureaus account listed below # XXXX XXXX XXXX XXXX XXXX My family is being stop from moving into a home do to the inaccuracies not reporting accurately acrosss all XXXX credit bureaus 15 U.S.C . 1681
Product: Credit reporting

I noticed XXXX hard pulls on my credit, I first sent letters to each creditor that had pulled my credit and NONE were able to provide justification for the inquiries. I then disputed with TransUnion via letter on XX/XX/XXXX, I received a notice that the investigation had begun on XX/XX/XXXX. After failing to receive evidence of the validity of the pulls, I sent a letter via certified mail on XXXX requesting that the pulls be removed pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). TransUnion responded stating that the investigation was started ( the same generic form letter I received on XX/XX/XXXX. I then filed a complaint with CFPB on XX/XX/XXXX. TransUnion responded with the same generic response and told me to contact the creditors directly ( I ALREADY DID!! ) PLEASE enforce the Fair Credit Reporting Act and force TransUnion to remove these unauthorized inquiries. I am also filing a complaint with the FTC.
Product: Credit card

XX/XX/XXXX, I applied online for a credit card with Amazon, whose cards are provided by Chase. I was told I would receive an email once a decision had been made. I did not receive any decision email from either Amazon or Chase in response to my application, nor did I ever receive any communication through the regular mail. 

I contacted Chase directly by telephone today, XX/XX/XXXX, and was informed that my application had been declined on XX/XX/XXXX ( almost a month and a half prior ) due to insufficient credit history. When I inquired about appealing this decision, I was further informed that they only provide 30 days for a decision to be reconsidered. When I pointed out that I was never informed of their decision to be able to request reconsideration, the representative from Chase simply repeated that they provide only 30 days and if I am interested in a card with them, I must apply again from scratch. 

I have XXXX complaints about my treatment and experience. First, that Chase violated the ECOA and the FCRA by not providing me with any notice at all of their decision to decline my credit application - not through email as was stated would happen, and not by regular mail. Second, I believe their conduct was unfair as defined by the Dodd-Frank act. Through their own failure to provide me notice in a timely fashion ( or any fashion at all ), Chase blocked me from participating in their own appeals process in a way that I could not have reasonably avoided. Additionally, the representative I spoke to stated explicitly that there was nobody else I could speak to about this problem and there was no way for me to lodge an appeal at this point.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX Late payments incorrectly reported between XXXX XXXX late payments incorrectly reported XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, As a consumer by law these accounts in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the reporting agencies regarding inaccurate and questionable information reporting on my credit reports. I never received any notifications in regards to the investigation results and It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The original response was sent on XX/XX/2020 and the 30 day demand to comply was sent on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

DP OF EDUC Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX  Account # : XXXX, XXXX & XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX - I have disputed these accounts but no response was sent to my mail.
Product: Credit card or prepaid card

Capital One put a hold on a secured credit card that had a credit balance. Acct : ending in XXXX. The charges were ones I had made every month so they were not new or unusual. One of them was for {$1.00}. They failed to notify me and I almost lost my car, health and dental insurance The problem was that they hadn't closed an account I had four years earlier and had a land line on the account and couldn't change it because their phones couldn't text to my cell phone. All the problems started and ended with them. I receive texts all the time so it wasn't my phone and no other vendor has problems texting me. 

I had tried 3 times before to fix this and had spent hours on the phone. This time most people weren't fluent in English and the accent was so thick I could barely understand. I am semi-fluent in Spanish but even their Spanish was hard to understand. When I asked for a supervisor they refused to transfer me and kept repeating that they would take care of it I had to call back 4 times just to get someone that spoke fluent English. 

I spent over an hour on the phone was transferred 6 times and had to repeat the same thing 6 times so I closed the card. 

I even wrote a letter and asked to refund the {$1000.00} that I was owed. 

I am still waiting for the money.
Product: Debt collection

This is from an alleged debt. I know of all my debts, this XXXX unknown. 
XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I spoke with consumer service with Citibank about them closing my account. Their reason was that I made three insufficient funds returns. I would like to say that I have never had this happen before so for a company to closed my account was stocking and they didnt even reach out to me regarding this account prior to closing. Citibank is the worse. I history with this credit card shows I have always pay ahead of time. They held my payment for over two weeks and just notified me XX/XX/2022 when I send the payment on XX/XX/2022 ( why ) yesterday about the non payment. This company is the poorest company ever and they dont need to be allowed to stay in business with this poor service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

On my credit report theres an inquiry from XXXX XXXX on XX/XX/year>. I called Experian about this to get it removed, I was told I had to call the company and they would send out the information to Experian to have them remove the inquiry. I called the company, they could not find any information about me. I gave the representative my name and full SSN. After searching their database and finding nothing I was told we dont send out information to the credit agencies. I informed them that an agent from Experian told me to call them to resolve the issue. 

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

The following accounts did not have permissible purpose to furnish any remarks on my consumer report. I did not give these debt collectors my written instructions to furnish anything on my consumer report, which is a violation of the Fair Credit Reporting Act. Furthermore, I did not make any consumer credit transactions with the listed debt collectors below. They are in violation of the Fair Credit Reporting Act and must be deleted from my consumer report immediately : 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 this request to EQUIFAX that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an investigation request letter to TransUnion Consumer Solutions, about the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


I asked for verification on, if all the accounts referenced were reporting 100 % accurate information, because i wasnt sure that they were. 

I also asked that, if any account werent reporting accurate information, then the account in question be removed according to 15 U.S.C. Sec. 1681i ( a ).

This request to TransUnion Consumer Solutions happened over 30 days ago and i still have not had a reply, which is a direct violation of 15 U.S.C. Sec. 1681i ( a ).

In accordance with 15 U.S.C. Sec. 1681n ( a ), I have the right to charge {$1000.00} for each violation or failure to comply with the rules in 15 U.S.C. Sec. 1681i ( a ).

I will attach a copy of the sent investigation request letter.

I will attach a copy of the invoice for the violations of each account.
Product: Credit reporting or other personal consumer reports

Submitted several disputes/request for investigation for the following accounts that were inaccurately reported on my credit profile and needed to be removed. Each time, the agency has failed to complete a proper investigation and furnish documentation of accuracy and determined that the accounts were accurate and will remain on my credit profile : XXXX : I initially disputed this account as belonging to me when I learned of it in XXXX of XXXX. The company was no help so I turned to the credit bureaus. It was charged off by the company in XXXX of XXXX. I repeatedly disputed and requested documentation and none was provided. In XXXX of XXXX, it was reported as charged off again which doesn't make sense. I disputed that information and still, nothing was corrected or removed. 


XXXX : This account was closed in XX/XX/XXXX and should've stopped reporting on my profile in XX/XX/XXXX. I've disputed this several times and it remains on profile as " accurate ''. 

XXXX XXXX XXXXXXXX XXXX XXXX  This account was repeatedly disputed as it is inaccurately reported as belonging to me and requests for information have been unanswered and investigations result in account reporting as accurate. 

XXXX XXXX XXXX XXXX : This is another account that has been repeatedly disputed and it keeps getting passed around to different companies which results in the credit bereau investigations to report it as accurate. Information for accuracy has not been provided and account remains on profile.
Product: Credit card or prepaid card

I paid off my best buy card in full. 
Bill states they owe me a XXXX Then they add a XXXX late fee with interest attached to late fee. 
I called and tried to straighten it out. They refuse to remove late fee and interest
Product: Credit card or prepaid card

I had purchased several items from XXXX on XX/XX/21. I ended up cancelling 4 of these items and asking for a refund which was done. NOW THERE IS A HOLD PLACED on my card where I can not access the funds. Tried reaching out to the customer service number and told nothing could be done, called back today and no answer. Sent a message to the customer service via email this morning. I need to access my funds and this is totally fraud on part of Netspend. I WANT MY FUNDS RELEASED and will be going with another financial institution for my banking needs as I have a direct deposit set up with Netspend.
Product: Credit card or prepaid card

On
XX/XX/XXXX 2017, Chase Bank NA sent me three separate letters saying that my three chase consumer credit cards ( all with balances of {$0.00} ) had been closed due to : 1 ) Rapid Increase in revolving balances 2 ) Too many accounts opened recently and 3 ) Too many requests for credit or / reviews of credit.
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They have refused to re-instate my cards, and what is more of a problem for me is that on one of my accounts the Chase XXXX XXXX Credit Card ending in XXXX they have refused to pro-rate a refund of the annual fee of {$450.00} which was paid in XX/XX/XXXX of this year, since I have barely gotten 6 months of use out of this card I do not see it as being fair that they refuse to provide me with a pro-rated refund of the annual fee OR to re-open that account so I can enjoy the card benefits for the full 12 months.
Product: Debt collection

Good afternoon, I paid a debt owed from from a XXXX Phone bill on XX/XX/2018, in the amount of {$730.00}, collected from XXXX XXXX, XXXX '. 

I recieved an credit alert tha collections Agency ' I C system ' has placed an account on my credit report for the same XXXX bill that was already paid. 

XXXX sold the debt twice. And reported this debt on my credit report. Illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of the FCRA for reporting unverifiable and incorrect information on my credit report. 

So, how is Experian verifying this information if the information is no longer in XXXXXXXX XXXX and the XXXXXXXX XXXX XXXX did not give them this information? 

By Experian reporting inaccurate and unverifiable information it has caused me financial hardship in my personal and business life. 

I have attached the letter from XXXX showing proof that this bankruptcy was removed from their system because it could not be verified! 

Also, I have attached a letter from the XXXX XXXX XXXX stating they did not supply this information to the credit bureaus. 

So, my question is who is supplying this information to Experian? 

I have also attached a screenshot of Experian being dishonest saying that the courts supplied them with this information which is untrue. 

Experian is in violation of not properly investigating and also reporting incorrect information which his illegal per the FCRA. 

The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the FTC and my state attorney general.