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

I sent a letter in XX/XX/XXXX to XXXX, Experian, and XXXX asking them to remove information from my Consumer Report that violates my privacy. The companies responded with a reply that was totally unrelated to my complaint. The response was irrelevant and failed to address the nature of my complaint. 

They are violating the law by refusing to protect my privacy AND further ignoring my request for specific removal pursuant to the following : 1. The Privacy Act of 1974 2. 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( CREDITOR ) making the report is NOT INCLUDED on my Consumer Report. Utilization is an experience regarding the use of the line of credit that was extended between the consumer and the creditor. CONGRESS clearly states that the reporting of Transactions or Experiences are not included on the consumer reports. 

3. They did not inform me that I could Opt Out AND they do not have my permission, in writing, pursuant to 12 CFR Part 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

NOTE : I hereby rescind any authorization, written, unwritten, expressed, or implied to report utilization on the accounts listed in this complaint, now and forever in perpetuity. The accounts remain on my consumer report but my utilization ( customer experience ) is not to be shared and should reflect 0 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americollect I just recently paid off the XXXX dollars in full on one of my collections and the other saying I owe XXXX dollars I set up for a payment arrangement now on my file it says closed when it was open and nothing on my credit score has changed Im trying to build my credit right now and do all the right things and now Im at a stand still even when Im setting up payment arrangements and paying off debts this problem needs to be fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint against this company ( XXXX ) for reporting negative information to a credit bureau in an attempt to assist the original creditor XXXX XXXX XXXX in destroying my credibility by reporting a paid account as unpaid when they ( XXXX ) gave them ( XXXX ) the money I paid them ( XXXX ) for the debt. As you will see in the attachments. XXXX responded to CFPB by stating they will remove it, as of today they still have n't removed it in fact they have reported to the bureau I owe them. Which as you see in the attachment is not true. I also faxed proof of payment to Equifax who is required to remove it with valid proof of payment. Instead they continue to report the fraudulent account as an unpaid collection when in fact it is paid. My bank never reversed any funds from the XXXX card as XXXX stated in the response from the previous complaint because they could n't. They did however return to me the funds for the check I sent to ( XXXX ) because XXXX mailed it back to me for them. Here again XXXX assisting XXXX in this act of malicious fraud and violation of the FCRA guidelines in reporting. I ask that if both XXXX and Equifax do n't remove this act of fraud that they be penalized for violating FCRA guidelines. Thank you again for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX recently reported as of XX/XX/XXXX in XXXX and transunion as late and delinquent payments when the account was closed previously I have been trying to get this account removed over 5 years these people are mos reporting info they I have since reported to the bureaus and they were supposed to close and remove account. this account was also reported XXXX as well. Also look into XXXX collections as well they were recently reported as of this month XXXX this is XXXX XXXX also reported this XXXX was under a previous creditor they sold the debt and re reported this debt which is illegal.
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


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


Delete the late payments from my consumer reports
Product: Debt collection

I closed out my XXXX account in XX/XX/2018. I was informed that I need to wait for the coming month 's bill to pay a {$71.00} service fee ( for closing the account ) - the last bit of money I owe XXXX. 5 months later, I received a credit alert that my credit score has dropped 32 points by a derogatory report filed by Diversified Consultants. I have never received any communications regarding the collection so I was utterly shocked by the news. 

I called Diversified Consultants and was told that XXXX never updated my address and XXXX furnished them with my old apartment address. Hence I never received any notices on the attempted collection. I then paid my bill in full and asked Diversified Consultants to update the derogatory report, they told me that it is XXXX 's fault by not updating my address and refused to assist me.
Product: Student loan

I made a payment on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX. The payment was mis-routed and was never applied to my school loan serviced by Navient. I've called no less than 8 times and every time was given different information on when my payment would be applied to my account. 

I called in with a representative from my bank to confirm payment was sent and was told by the Navient rep that my payment would be routed to my account in 8 business days, after those 8 days I called again for an update as my account was stilled labeled as past due. I was then told that the entire process takes a total of 14 business days and that I would need to call back in another 8 business days - that  math doesn't add up, I know. 

I called again after my account is still labeled as past due and affecting my credit, and was told that for the payment to actually be applied to my account it would take several weeks. Never have I been given a consistent answer from their customer service representatives. 

My bank can not process a refund for me either, because of how their XXXX  is set up. They claim it is in Navient 's hands now to find and reroute my payment.
Product: Credit card or prepaid card

My credit report showed that I had a late payment on XXXX of XXXX to my Kohls credit card. I have made multiple attempts to have this corrected on my report but to no avail. Back in XXXX I contacted kohls on the phone and they agreed that the account was paid in full and the negative late payment would be removed from my report entirely. That is not the case and it still is negatively affecting my credit score. I have been using the kohls card since XXXX with no late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Disputing : XXXX XXXX XX/XX/XXXX {$1000.00} 15 USC 6802 - Obligations with Respect to Disclosures of Personal Information I DO NOT recall giving XXXX XXXX XXXX XXXX permission to give my personal information to XXXX XXXX. Additionally, I did not give XXXX XXXX permission to report to my credit. 



15 USC 1681 - 15 USC 1681 ( b ) - Reasonable Procedures I DO NOT recall XXXX XXXX XXXX XXXX XXXX giving me opportunity to opt out of sharing my information. XXXX XXXX is reporting this account to my credit report fraudulently.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$1200.00} XXXX XXXX XXXX BALANCED {$360.00} XXXX XXXX BALANCED {$5400.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car in XXXX from XXXX XXXX, in XX/XX/XXXX it was totaled in a accident, and I was rushed to the trauma center. I was in the trauma center at XXXX in XXXX XXXX for my head injury from XXXX to XXXX. The car was paid off, through me gap, and my insruance company XXXX XXXX. Payments were made on time, and the account was closed paid as agreed. XXXX sent me a letter stating they were going to update the credit compines, they did then XXXX   added 30 days late 60 days late 90 days late. I have proof from XXXX stating they reported no days late.
Product: Vehicle loan or lease

We test-drove a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX, VA on XX/XX/2023. We liked the car, and made a deal based upon a written guarantee that the dealer would replace the infotainment system. We put {$4000.00} down in cash. We had told them, up front, that we could buy it for cash. 
Their loan " officer '' drew up a contract, but failed to even ask us if we wanted a : loan, " Service Contract '' ( {$2500.00} ) nor did he discuss : Loan terms, loan rates or length of the loan. He quickly ran us through the details of the Buyer 's Order and asked us to sign, etc.

Later that same evening, we examined the contract and realized that this company is one of those infamous used car dealers who thrive on exorbitant loans and quickly repossess the vehicle ( s ) as soon as ONE payment is missed, so that they can sell it to the next suckers. Over and over. 
I had texted the general manager of the dealership : XXXX XXXX, on both numbers : XXXX and XXXX that night. I had already looked the CFPB up and told XXXX XXXX the deal was off unless he cancelled the loan from Consumer Acceptance Corporation " XXXX  ''. Primarily, because XXXX XXXX ( loan agent ) did not ASK us if we even wanted a loan, much less a warranty, plus the details above. He agreed to cancel the loan, and later told me that he had called XXXX  and that they would send him papers acknowledging that the loan was cancelled. We have not received any proof that this has actually been done. 
We returned to the dealer, with {$5000.00} CASH, on XX/XX/2023 and bought the car, and drove it home. Bill of CASH Sale in hand. Today, XX/XX/2023, I found a XXXX for the first payment to XXXX in the mail. See attached. 
I immediately called XXXX  today, and spoke with " XXXX '', and I offered to send her a scan of the CASH Buyer 's Order, but she ( XXXX XXXX said that would not be necessary. She checked with their Verification Dept. who stated no request had been made by XXXX XXXX or anyone else at XXXX XXXX XXXX. I then called XXXX XXXX XXXX again ) and he assured me ( again ) that he would call XXXX, etc. 
I have not heard from him since and sent him an e-mail with my concerns. He has not responded to that either. 
I researched Consumer Acceptance Corporation and their " Service Contract '' " company '' and found nothing but complaints about both from many consumers.
Product: Student loan

Per federal student aid, website, income driven repayment plans that require recertification before XX/XX/2024 will be pushed back by XXXX year. My recertification date on federal student aids website is XX/XX/XXXX. MOHELA is saying the date on federal student aid website is incorrect and that I have a hard date to recertify on XX/XX/2024 and therefore will not be pushed back. I asked where to view this information about the hard date although they stated that there is no way I can access this on my account, and that it is only available on their end. Therefore, I should recertify now. 

This information is very vague and seems inaccurate compared to what federal student aid website states, as well as my discussion with federal student aid ombudsman.
Product: Checking or savings account

XXXX has locked us out of our accounts after they took over Simple and have refused to unlock them. The customer service department is hanging up on us when we call. Ive had no access to my money since XXXX XXXX morning.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, Pursuant to Section 609 of the Fair Credit Reporting Act ( FCRA ), I am disputing the following accounts as they do not belong to me. If you can not verify these accounts with legally sufficient documentation, they must be removed immediately. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 609 Request : Under 15 U.S. Code 1681g, I demand all records, applications, and contracts associated with these accounts. If no such proof exists, these accounts must be deleted immediately.

FCRA Section 611 Request : According to 15 U.S. Code 1681i, you must conduct a reinvestigation within 30 days and remove any unverified information. If you fail to do so, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action.
Product: Checking or savings account

I have my account connected with lender so I can receive funds if account low. This keeps me from incurring overdraft fees. Pnc bank is not allowing me to connect account ; therefore, I have been charged overdraft fees totaling over {$100.00} which would have not occurred if company was allowed to connect and deposit funds. I also contacted PNC to get account credit for overdraft fees and they could not credit my account back.
Product: Credit reporting or other personal consumer reports

Fraud Accounts below : XXXXXXXX XXXX XXXXXXXX {$0.00} - Only showing on XXXX XXXX Bank {$9700.00} -Only showing on XXXX XXXX XXXX $ XXXX Showing on XXXX, Equifax, XXXX but XXXX showing differently amounts XXXX XXXX XXXX on XXXX, Equifax, XXXX but all showing differently amounts XXXX XXXX $ XXXXShowing on XXXX XXXX Equifax and XXXX XXXX XXXX XXXX {$0.00} -Showing only on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Showing only XXXX XXXX The accounts above have been listed on my credit incorrect. The accounts have been reported to the Federal Trade Commission ( FTC ) as a result of identity theft, and I am formally notifying you that these accounts was opened fraudulently and is not my responsibility. I did not authorize or open the accounts and I have taken steps to resolve this matter, including filing an identity theft report with the FTC and law enforcement. Under 15 U.S.C 1681 c-2, the Fair Credit Reporting Act ( FRCA ) provides that if a consumer reports fraudulent activity, they are entitled to a prompt and fair investigation and any fraudulent information must be removed from their credit reports. As I have filed a formal identity theft report.
Product: Credit card or prepaid card

I possess an Ultamate Rewards MasterCard which rewards points as the rewards for purchases. The points can be used towards purchases made at XXXX stores and XXXX XXXX. After the last monthly allotment of points my account had approximately a {$15.00} credit. During the checkout online for a purchase, I had to update my personal account with my new credit card number for payment of the purchase. The computer system then deleted all my accrued points and zeroed out my unused points. When I contacted XXXX customer service via email, A rep named XXXX said that my points will be held in limbo by the computer for 2 weeks and I can not use them for these 2 weeks despite my having been awarded these points already during the last monthly billing statement. I find this practice of holding points XXXX in the system a very deceitful practice and not customer service oriented.
Product: Student loan

Mohela Student Loan Servicing apparently sent me a letter in XX/XX/XXXX that included how much I had paid on student loans in XXXX for use when filing taxes. The Post Office failed to deliver my letter and returned it to Mohela. Mohela retains all contact info such as phone number/ text number, email address, and mailing address. Mohela verifies this info every time you contact them. Mohela reported to the credit bureaus that they were unable to reach me at my address. This contact caused the credit bureaus to reduce my credit score by XXXX points. Like many people, I have spent years establishing a high credit score by no lte payment, no missed payments, and maintaining a low credit usage. Now, years of work is down the drain due to a mailing error? 
made repeated calls to Mohela and was placed on hold for approx 1 hour to get excuses. They have no process in place to try to contact anyone by alternate means when a letter is misdelivered or returned. This is unacceptable and they refuse to help or to put me in contact with someone who has actual ability to address the issue.
Product: Debt collection

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX XXXX or have I used this credit card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. The reason why I asked for this is because I was served in XXXX for XXXX XXXX XXXX and hired an Attorney XXXX XXXX. We were able to prove I never used it and my signature from the one on the application was different. They also showed me an itemized bill There were charges to flights to XXXX, AZ and other places. I showed my passport to show proof that this was never me who took these vacations or that I used it. There was no stamp of indication that I have ever flown out of Colorado, it was plain. They came to the conclusion it was not me and dismissed it. I proved that this was not me who took this CC out but my EX- Husband. We showed the divorce papers to show that we had divorced in XX/XX/XXXX and he would be the only person that could have done this since he would have had my personal information. I am willing to do the same thing for XXXX XXXX. I have never applied nor used their CC.
Product: Payday loan, title loan, or personal loan

Required down payment before credit was issued, shring private info like my ss # breached and should have PAID FOR THE condo in total, accepted several payments and stole the home in foreclosure two years later. HORRIBLE COMPANY, AND HORIIBLE TATTICS
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian for their failure to investigate and provide updates or results regarding a disputed collection account on my credit report. 

On XX/XX/year>, I sent a dispute letter to each of the credit bureau Experian, requesting an investigation and validation of an unverified collection account. The details of the disputed account are as follows : XXXX XXXX : XXXX Account Number : XXXX Amount : {$1000.00} In my dispute letters, I requested the following information under Section 609 of the Fair Credit Reporting Act ( FCRA ) : The original signed contract or agreement that created the debt. 
The name and address of the original creditor. 
Documentation showing that the collection agency has the legal right to collect on this alleged debt. 
A full account history, including any payments made on the alleged debt. 
Despite providing all necessary documentation, including a copy of my credit report highlighting the disputed item, proof of identity, and proof of address, I have not received any response from Experian. 

Under Section 611 of the FCRA, the credit bureaus are required to investigate consumer disputes and provide the results within 30 days. It has been over 60 days since my initial dispute, and I have not received any updates or results from any of the credit bureaus. 

Dates : Date of Initial Dispute : XX/XX/year> Date of Follow-Up Dispute : XX/XX/year> Disputed Amount : {$1000.00} Actions Taken : Sent initial dispute letters to Experian on XX/XX/year> Sent follow-up dispute letters to Experian on XX/XX/year>. 
Provided all necessary documentation, including a copy of my credit report highlighting the disputed item, proof of identity, and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX Last reported XX/XX/2022 In accordance with the Fair Credit Reporting Act. The account above has violated my federally protected consumer rights for privacy and confidentially. Under 15 U/S/C/ 1681 this Account has violated my rights.

15 USC 1681Section 602 A states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account information with out my written instructions