23daVinci/CFPB_Complaints huggingface dataset:
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Debt collection

I signed up for XXXX XXXX and had them for at least a year and when my contract ended ( 12 months ). I just let it keep going and I did not commit to another year even though they say I did. I changed my service and they then billed me for {$200.00} " Contract Broken '' fee when in fact I did fulfill my contract! They may have a tiny misleading print that if I don't call them then the contract is valid even after the year I signed up for. I have tried talking to them but they just keep repeating that it is due and now have a 3rd party collection on my reports. As you  can see from the file attached I responded to them reminding them that I had completed my contract and was on a month to month. I would never switch unless I was NOT in a contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any and all freezes, and fraud alerts from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sign up for experian Boost By experian Like it boosts up your credit sorce base on Your bills Like water and light and phone and internet Link with your checking account I did everything and its not showing up I pay my bills with my checking account I do
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached attachments as proof. Transunion-which is the ONLY credit bureau the company, XXXX XXXX XXXX, usesreduced and then reported a WRONG score of XXXX to them which caused a result in denial of credit for approximately {$150000.00}, on XX/XX/2019. I reviewed my own score on XX/XX/2019, which was XXXX, which met XXXX lowest score requirement of XXXX! When I received their denial I immediately inquired why thinking discrimination ; however, when I received the letterattachedI can clearly see is possibly discrimination but definitely a violation of my rights under FCRA on the part of TransUnion Credit Bureau. I checked it AGAIN AFTERWARDS and it is now XXXX, still higher than the XXXX that XXXX required!!! TransUnion is vaguely in violation of consumers rights we should be able to file class-action lawsuits! TransUnion has regularly reported false and fraudulent reporting, but this goes beyond measure.
Product: Credit reporting or other personal consumer reports

The company placed charged off accounts on my credit report I disputed it they Verify accounts thats closed I never new existed and placed balances on my credit report I disputed the closed fraudulent so now they Retaliate and mark closed accounts thats over XXXX to XXXX XXXX XXXX as late payment 60 day late 180 day late My consumer rights dont exist with certain consumers They sell my information without my permission Im victims of massive breaches and dark web
Product: Debt collection

XX/XX/2019 until current year as of now. I have been out of work, and could not pay any of my bills. American Express knew about my situation. The Charge Offs with AMERICAN EXPRESS need to be verified, otherwise should be removed. Thank you kindly.
Product: Credit reporting or other personal consumer reports

My information was compromised by the XXXX Equifax data breach putting me at risk of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  cards 2 of them are not reporting the correct balances. I owe a lot less than what is being reported.
Product: Debt collection

I have attempted to obtain the substantiating documentation to support that the alleged debt Portfolio Recovery is reporting on my credit profile and my requests have been ignored. I have disputed this account with the credit bureaus and Portfolio Recovery and they continue to report the account as accurate. I have not had an account with XXXX XXXX in the past so my request again is for this company to supply all legal documentation related to this account.
Product: Credit reporting or other personal consumer reports

This happened back in XX/XX/year>, when XXXX for some reason decided to use one of my debit card that I do not have money put in and charge one of my XXXX purchase instead of using my new credit card that I put in and selected. Now, I figured out later that XXXX has an option to change what card you can use on XXXX but the application on XXXX did not let you change as of right now on XX/XX/year>. Now, I did not realize it would be charged to my debit card, until 2 days later when I got a notification on Experian that my credit score has been dropped by XXXX points, to which I noticed my XXXX sent me a message saying they could not use my card to charge, and multiple charge point has been attempted. My two questions are, how does a company this big does not allow you to switch to a different card or automatically charge to another card, and for your information, was caught in the XXXX cashback scamming, which not only steals personal datas, but also misuse funds from creators to steal their commissions. Number two, why can I not change my payment option if my current one was declined? It is not difficult to do it, and there's zero security reason I can not change my card. Not to mention, XXXX randomly decided to ban my account for " suspicious financial activity '' on my account when I have an XXXX credit card, my checking account, and my debit card. I am expressing my frustration and hope the CFPB can help resolving my issue along with contacting the right department to get an investigation against the developers at XXXX who thought an app that would not let you change the payment, only on the website would be a good idea to ship out to consumers.
Product: Credit card

As a result of a serious personal issue my account was past due. I had communication with customer service but due to my circumstances was not able to make the payment on the agreed upon date. I did however pay the account balance in full a few weeks past the agreed to date. 
I went online and found that my account had been closed however I did not receive any prior notification of a pending closure nor was I advised by the customer service team that this was about to happen. 

I had a conversation with one of the customer care account executives who was short and abrasive. He belittled me personally and did not want to hear about my personal circumstances and he stated that my 9 year history did not mean anything to him. When I asked for a higher authority he told me that he was the ONLY authority and he was standing by the decision. I have never been treated so poorly and I feel that I am being discriminated against because of my medical issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

requested a copy of my report on the XX/XX/XXXX and how come I still have these accounts under Sallie Mae? You need to provide me a copy of these accounts. You stated that these are/were accurate and verified. Who verified these? Sallie Mae couldnt provide me any proof. I contacted them several times, but they could not give me any proof or a copy. 

These accounts from XXXX ( already closed ) and yet you failed to give me any information. How do I settle this? when you aren't giving me anything to settle with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Product: Credit reporting or other personal consumer reports

Reporting 2 collections on my report with same account numbers. In violation not correcting or removing. Double jeopardy
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these inquiries that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( i ) I have the right to deny anything being reported on my credit report.

15 U.S code 1681n Infamis of pulls or unauthorized account not mines.

I will have to file litigation due to the stress you cause me. I am authroizing this investigation this is not a third party company.
Product: Credit reporting or other personal consumer reports

I would appreciate your support regarding this misleading account shown on my credit report. This situation has adversely impacted my reputation, and I need your assistance. Your failure to manage my credit report correctly has caused considerable harm to my reputation. It is crucial that you take steps to remove this incorrect information from my credit report.
Product: Credit card

On XX/XX/XXXX BarclaysXXXX XXXXXXXX XXXX two payments I called and told them there was a mistake made and t needed to be rectified. Spoke with two reps who said there was an error on their part and a refund would be initiated. Then spoke with a XXXX who said no error but a refund will still happen in 7-10 days I never saw a refund I waited them yesterday XX/XX/XXXX a refund was processed almost 30 days later. Thats ridiculous I laid off the statement balance a week ago because I figured I wasnt getting a refund since i never received it but 30 days is ridiculous when I was told 7-10 days not only that but this company charges XXXX $ for late fees which correct me if Im wrong is against the new law passed that credit card companies can not charge more than XXXX $ for a late fee. This company has the worst customer service experience during the call the first rep hung up on me cause she said even if there was an error they wouldnt give me the overdraft fee that was caused on my checking account. I have never had this experience and I cant wait to close this account. Will be making sure no one shops at XXXX XXXXXXXX and does business with Barclays.
Product: Credit card

Account was closed mid XXXX. Payment of {$9.00} was charged on XX/XX/year> and a second charge of {$9.00} on XX/XX/year>. Tried to pay again today a charge of {$10.00} through their site and within a few minutes after the payment was successful they canceled the payment. It is starting to seem like kohl 's is using deceptive practices to charge fake fees to keep this account open.
Product: Consumer Loan

Big picture loans did not provide the loan due to an error of the account number for my bank on loan contract. I called them and found out there was an error and told them through both phone calls to their XXXX number and emails ( which they never responded ) i wanted to cancel the loan agreement. They went ahead and somehow deposited {$500.00} into my account. I called customer service 10 times trying to find out how and why they did this after i cancelled. They stated they would debit my account the {$500.00} and cancel contract. This has not happened and when calling them they said they have the wrong account number and i gave them the correct one and they said they had to escalate the issue. I want to make sure they are not trying to force me to a contract or default status with their demand pay verbiage for full fees due. Need help resolving.
Product: Credit card or prepaid card

In Early XXXX my daughter notice charges to her checking account that she had not authorized. I am also on the her account. I am her mother. We went into the bank and they sat down with us and had us highlight all the charges we felt were not ours. This was the checking account and someone had been taking money out of her account out of New York. We have never been to New York. XXXX said we had to give the person permission to use the card, although my daughter had her card, but he was also using a card in New York, which is very baffling. Then the next day we realized they had also done a cash advance of XXXX from her credit card. The bank said they invested and there were charges months back from the same individual and said we never reported it so we had to have given permission for this. We were not aware of any charges previously and told them if there were charges we did not authorize them either. After much back and forth they said we needed to file a police report, which we did. They have footage of the person which we do not know at the atm in New York withdrawing money. They still are saying there is nothing they can do. There were also XXXX from our checking account taken. I am so frustrated with this. I have been with them since about 2012. Our accounts are not overdrawn and things of the nature. This just does not make sense to not be reimbursed for the money that was taken from our account and credit card. A total of about XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does not report accurately. Its the only credit reporting agency reporting numerous inaccuracies with my credit. Also they dont even update or report accurate last time that reported was XX/XX/2021 it is XX/XX/2021! They have a repo from XXXX wasnt mine everyone else deleted but them. They have not update all my cards and XXXX balances. They have inquiries in my account I have sent letters asking to remove or provide me proof they havent. I have only received 1 generic letter from them out of the 5 I have sent. They are reporting 2 address that arent even mine nor not even on my other reports! They need to be held accountable. 
This is my final ask for help and I am taking it to court. I have rights and they are in violation!
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my frustration, the late closed account and inquiries remains on my credit report, negatively impacting my creditworthiness and financial standing. This persistent issue has caused significant stress and hardship. It is crucial that this inaccuracy is promptly addressed to ensure the fair and accurate reporting of my credit history. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracy. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. Please help remove these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I paid my capital one credit card on time and I gave documentation to confirm that it must have been an mistake made in the crediting of my account. I would like my credit report to reflect that I have been paying my Capital One account on time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX SS # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Request for Method of Verification and Update of Account Status on the following accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Dear XXXX, I am writing in reference to my previous requests regarding the verification of the information on my credit report. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted you to request a method of verification for an account listed in my credit report, and to have the account updated to Paid As Agreed, Not Late ( PAANL ) status. However, to date, I have not received any response or verification as required under the Fair Credit Reporting Act ( FCRA ). 

As you are aware, under FCRA Section 611 ( 15 U.S.C. 1681i ), if a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute and provide the consumer with a statement of the method of verification within 30 days. The failure to respond appropriately to my request for method of verification is in violation of this provision.

Furthermore, under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), if the information reported is found to be inaccurate, XXXX is obligated to update the account status promptly. Therefore, I request that you take immediate action to update the status of the account in question to " Paid As Agreed, Not Late '' ( PAANL ) as it is in accordance with the accurate representation of my credit history. 

Please provide written confirmation of this update as soon as possible. If this request is not fulfilled within the required time frame, I will consider taking further action to ensure my rights under the FCRA are fully enforced. 

Thank you for your prompt attention to this matter. 

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

I have been attempting to resolve with no avail for several months now please help me remove this inacurate and unverified information from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$150.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXXXXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$160.00}.
Product: Debt collection

I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.
Product: Vehicle loan or lease

XX/XX/XXXX I had a fraud and suspicious request to my XXXX checking account. Well documented. XXXX then reversed 3 months of payments on all of my account. This was done through Automated Clearing House. On XX/XX/year> I had my original loan and debt amounts with XXXX XXXX XXXX. I now owe {$40000.00} one of them being XXXX with vehicle lease. I lost my apartment ( paid extra {$4000.00} to live. Had my car repossessed. I offered {$8000.00} to get my car back and continue payments. I was denied and they resold my car and left me with a {$9000.00} balance and was sent to collections. I need help! Not one person or merchant has helped me. Why would I reverse {$40000.00} in already paid payments through ACH? Negligence at its finest on all parties involved.
Product: Payday loan, title loan, personal loan, or advance loan

Paycheck Solutions sent a Wage Assignment to employer on record via unsecured, open fax with personal and financial information regarding my payday loan being past due. The clinic fax is accessible to all staff members. I do not appreciate such a violation of privacy.

This company has means to contact me by phone, text or email. I have spoken with them on several occasions updating them on my current financial status and the efforts I am making to resolve the open balance. Instead of trying to offer solutions, I received a negative, snide remark of how I should have communicated my grievance to them prior to getting the loan. It was an inappropriate remark, nonetheless, I responded that the conflict arose after obtaining the loan. 

I acknowledge I am responsible for the debt being discussed ; however, the manner in which it is being handled by the lender is inappropriate, especially when sensitive information is exposed.