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

- Opened lease with Lincoln Automotive Financial in XX/XX/XXXX - Lease was 36 mos - Completed every single pmt on-time or early for 36 mos and returned car in excellent condition in XX/XX/XXXX. Over {$16000.00} in payments- Told of lease termination fee when car was returned in XX/XX/XXXX. However, dealer was unable to accept pmt ( despite my offer to pay ). Was told to check account stmt - Acct stmts never showed amount due after car was returned and stmts stopped being generated - Never received correspondence regarding any amount due to Lincoln - In XX/XX/XXXX, credit score decreased over 100 points from high 700s to mid 600s without any warning, notices, etc- Have never had a late pmt over 11 years of credit history including student loan, car leases, mortgage, multiple credit cards, etc- I looked into what caused the decline and it was due to Lincoln Automotive Financial charging off approx {$700.00}. Upon calling Lincoln, was informed it was due to a unpaid lease termination fee - Again, I never received any warning from Lincoln regarding the issue or potential for charge off - Charge off occurred 10 mos after lease termination - Upon becoming aware of the balance owed, I immediately paid the balance to 3rd party collector who was able to provide balance and online mechanism to pay - Credit score has still not recovered because Lincoln is reporting the account as " Paid, was a charge off '' despite their lack of communication or accessibility. Lincoln refuses to take responsibility for poor communication, payment accessibility, and consumer awareness - Clearly I had no issue making pmt given the pmt was made immediately once I became aware - Lincoln refuses to engage on the issue, despite my efforts- Currently trying to buy a house and this issue is creating meaningful friction
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint with the CFPB regarding unauthorized inquiries on my credit report. These inquiries, which are reported on my credit report from [ name of credit bureau ], do not reflect any activity by me. 

The following inquiries have been reported on my credit report without my knowledge or consent : [ XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ] These inquiries have caused me financial harm, as they have negatively impacted my credit score, which affects my ability to obtain credit and other financial services. 

I am asking the CFPB to investigate this matter and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I request that the unauthorized inquiries be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

US DEPT ED XXXX XXXX : {$3500.00} ; US DEPT ED XXXX Balance Owed : {$2000.00}.
Product: Debt collection

I got a call from AMSHER COLLECTION AGENCY on XX/XX/2023 about a debt from XXXX that I owe from 2 years ago. Which I didnt realize that I owe. They said I owe {$180.00} and I was sure I just owed {$80.00}. I told them I only owed {$80.00} and that its only {$80.00} Im gon na pay. Which they agency agreed for me to pay. 

Money was taken from my account twice to a total of {$80.00}. And I thought it was over after that. Only for me to receive a notification a month later that a had a negative collection on my credit report. I had a negative collection of {$100.00} on my credit report. Out of fear for my credit report I paid the {$100.00} with the hope that the collection would be removed from my credit report but it wasnt. 

I called the collection agency and asked why they kept a negative collection on my credit report and they said I didnt pay the remaining {$100.00} and I didnt dispute the {$100.00} within 30 days. 

First of all I wasnt even told nor neither did I agree I was going to dispute the reaming {$100.00}. I didnt even know I could dispute the remaining {$100.00}. 

I recently read the Fair Debt Collection Pratcies Act and it says the collection agency after 5 days of contacting me had to write me a written note about the debt. But I never got any written letter to my mail. 

This I feel is a breach of the fair debt collection practice Act
Product: Student loan

I am filing this complaint due to Nelnets negligence in maintaining accurate contact information on my account, which led to missed notifications regarding payments and an unjust late payment entry on my credit report. Despite my efforts to resolve the issue directly with them, Nelnet has refused to correct the error or assist in removing the late payment from my credit report. 

Nelnet admitted that they attempted to contact me using phone numbers that I did not provide, authorize, or associate with my account. These numbers were added by Nelnet without my knowledge, and their reliance on this erroneous contact information hindered any chance of proper notification. During this time, all emails ( work and personal ) were of extremely low priority ( in other words, I was preoccupied with the birth of my first child ) and I know if they had been able to call or text me, we would have been able to reach a resolution ( i.e., me paying up ) before they had sent me to a collections agency. 

My loan has changed hands several times before being managed by Nelnet. These transitions may have contributed to errors in maintaining my contact information, but Nelnet failed to confirm or verify the accuracy of my records once they took over the loan.

I also had over a year of consistent on-time payments before this issue occurred. I went on XXXX XXXX XXXX during the missed payment period, which created temporary financial hardship. Once I became aware of the missed payments, I immediately paid the balance in full. 

I contacted Nelnet and requested that they remove the late payment entries, considering their admitted use of incorrect contact information. Nelnet, however, has refused to take any corrective action despite acknowledging their error.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened an account with Citizens Bank in XXXX, PA on XX/XX/XXXX and my Citizens accounts are not reflecting the correct opening date. 

Also I was promised interest rate of 1.24 % on my money market account and that were not done according to discussion when opening the account. 

Also I was not given documentation promised while opening the accounts. 

I spoke with XXXX ( a supervisor at the Citizens Rhode Island Call Center ) who was not able to help.
Product: Debt collection

Possibly a debt from a previous identity theft that has occurred and was handled by the State Attorney Generals office. This debt is not mine and I am not responsible for any part of it. This debt was attempted to be collected by another agency over a year ago. XXXX must give their employees extravagant XXXX gifts because I find myself being harassed by a second company on their behalf again this holiday season. If XXXX finds their coffers to be low they should probably consider bankruptcy or some other solution rather than harassing people who have never, and will never, do business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple identity theft reports and letters to all 3 credit reporting agencies regarding two collections and a number of incorrect information reports on my credit profile. Equifax continues to report this unverified and fraudulent information. The collections were removed previously and re-added, again, without verification that the accounts belong to me. I have exercised my consumer rights in all letters regarding verification and reporting fraudulent information to all 3 agencies, but the consumer reporting agencies have been negligent and have continued to ignore me.

All dates of letters are included in the files attached. I have also spoken with all 3 agencies verbally, multiple times. 
Neither company has provided me with any updates or information on how they might have verified anything. All have received identity theft reports dating back to 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting erroneous information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I experienced a sudden drop in my credit scores. I requested a copy of my credit report and discovered negative remarks that were added on XX/XX/2021. The account with the negative remarks is an old closed account and has inconsistencies with all 3 bureaus. I submitted a dispute letter to investigate. A letter was sent back stating that the investigation was complete and verified as accurate, however, information unrelated to your dispute has been updated. I sent another letter requesting information on who was contacted, the method of verification etc, and was sent a second letter ( from XXXX  as well as Trans Union ) with the very same, verified as accurate, however, information unrelated to your dispute has been updated. I have sent yet a 3rd letter certified with a return receipt requesting the same information via XXXX. My information has also been compromised and there are incorrect phone numbers and addresses listed. I am taking steps towards correcting this as well. All 3 bureaus have inconsistent information on this same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somehow my credit score went from a XXXX to a XXXX thats impossible when I had no added debt to my credit report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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. 


XXXX XXXX TRANSUNION 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 1002 and It was never provided. 


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


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX  XXXX  Inquired on XX/XX/2020 ; XXXX  XXXX Inquired on XX/XX/2020 ; XXXX  XXXX Inquired on XX/XX/2020 ; XXXX  XXXX Inquired on XX/XX/2020 ; XXXX  XXXX  XXXX Inquired on XX/XX/2020 ; XXXX  XXXX  XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX  Inquired on XX/XX/2020 ; XXXX XXXX XXXX  Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was reporting outdated information ( from XXXX 2017 ) regarding a US Bank credit card account for which I am an authorized user. My wife is the primary account owner. We contacted XXXX and they advised that they had simply not received updated information from US Bank and that we should submit a dispute.
We were not advised that by submitting a dispute, XXXX would delete / completely remove the account from my report. Removing the account was the incorrect action and not what I requested. The account was correctly showing up on my report, but the balance and payment information simply needed to be " refreshed ''. The removal of this account caused my XXXX  credit score to drop by over XXXX points, which has prevented my wife and I from being able to apply for a home loan.
We requested to withdraw the dispute from XXXX, but they advised that this was not possible and that the only way to resolve the matter would be for us to contact US Bank and request that they either call the " local XXXX marketing office '' or submit a request to update.
We submitted documents in writing to both XXXX and US Bank requesting this. US Bank advised that they can not call the marketing office and repeated efforts to request them to do so have failed. US Bank advised that they investigated out situation and sent over a request to XXXX on XXXX/XXXX/2017.
XXXX advised that upon receive such a request it would take 5-7 business days to update the information. However, I called today and they are now stating that they have NOT received any kind of request and that the only way to get the account correctly reinstated to my report is to have US Bank call the office ( which they refuse to do ).
XXXX is now also stating that there is a " technical error '' with my file / report and giving me the " run around '' each time I call. US Bank refuses to assist further.
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 Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number XXXX XXXX XXXX XXXX XXXX - Incorrect Address These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXhas negative information and out dated information severely impacting my credit report. This is TERRIBLE
Product: Credit reporting, credit repair services, or other personal consumer reports

I received many calls from a student loan company asking me for money. I never went to school, so I was confused on what was happening. I then pulled my credit on my own and I saw several student loans and other items on my report that are not mine. Please get the fraudulent items off my report. 

XXXX XXXX XXXX {$550.00} DEPTEDXXXX  XXXX {$1600.00} XXXX  XXXX XXXX {$440.00} DEPTEDXXXX  XXXX {$4500.00} US DEPT ED XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$330.00}
Product: Credit reporting

Experian is reporting an old debt from XXXX XXXX - its older than 7 years old - the debt was opened in XXXX paid in full in XXXX its also being reported as 30-59 Days Late when the loan is paid in full. 

i tried to obtain a car loan recently and was denied due to this old car debt being reported on my credit file. Its not being reported to any other bureau but experian
Product: Checking or savings account

I opened my citi bank account and i am student. I put all of my funds that i use to pay my bills and rent because i am currently studying. Today at XXXX XX/XX/year> at XXXX, i tried to log in my bank account but i was not able too because it kept showing me a random error that thier system experience delays. I called CITI BANK and they told me that they CLOSED MY ACCOUNT AND CAN NOT PROVIDE REASON FOR IT. They said they will give me check after of my funds after closing and it will take XXXX to XXXX  DAYS. I am a student and have bills and rent to pay and i have no money except my savings in citi bank which is not alot of money that they can't give me soon. That was my hard earned money and they have no rights to hold my money that i deposit. I MOVED FROM NEW XXXX TO GEORGIA STATE recently to study in XXXX XXXX XXXX. There is NO CITI BANK BRANCH IN XXXX XXXX WHERE I CAN GO FOR HELP. Please help me getting my funds back before end of this month so i can pay my bills, Other wise my credit score will get hurt and i will have to live on streets and have no food to eat. Please help me get my funds back before end of this month. PLEASE ITS URGENT AND IMPORTANT. My Biggest mistake that i trusted and used CITI BANK. WORST EXPERIENCE.
Product: Credit reporting or other personal consumer reports

These are not my addresses : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX and XXXX XXXXXXXX, XXXX XXXX, CA These are not my employment statuses : *Retired XXXX XXXX XXXX  I work for XXXX ( XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of several accounts on my credit report. Despite previous disputes, XXXX, EXPERIAN, XXXX failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received any detailed disclosures about the reinvestigation process or outcomes. These deficiencies constitute violations of federal law, and I demand immediate resolution. 

Disputed Accounts Accounts Reported by Experian XXXX XXXX XXXX  XXXX Account Ending in : Balance : {$1200.00} Issue : Inaccurate payment history and credit usage, unresolved despite prior disputes. XXXX  Account Ending in : Balance : {$250.00} Issue : Incorrect reporting of late payments for XX/XX/year>. 
XXXX XXXX  XXXX Account Ending in : Balance : {$330.00} Issue : Overreported credit usage at 110 %, without proper investigation. 
XXXX XXXX XXXX ( XXXX ) XXXX : {$110.00} Issue : XXXX account inaccurately reported, with no adequate reinvestigation. 
Accounts Reported by XXXX XXXX XXXX XXXX  XXXX Account Ending in : Balance : {$1200.00} Issue : Payment inaccuracies unresolved despite disputes. 
XXXX  Account Ending in : Balance : {$250.00} Issue : Reported late payment details are inaccurate and unverified. 
XXXX XXXX  Account Ending in : Balance : {$2600.00} Issue : Incorrect " 30 Days Past Due '' reporting, unresolved after disputes. 
XXXX XXXX : {$110.00} Issue : Collection account errors with no proper resolution. 
XXXX XXXX  Account Ending in : Balance : {$29000.00} Issue : Incorrectly marked as " Charged Off as Bad Debt, '' with inaccurate payment and status history. 
FCRA Violations The following provisions of the FCRA were violated : 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation within 30 days of receiving my disputes.

15 U.S.C. 1681e ( b ) : Failure to maintain procedures to ensure maximum possible accuracy in consumer reports.

15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide proper disclosures regarding the reinvestigation results. 
Requested Actions Reinvestigate all listed accounts and provide a detailed summary of the findings. 
Remove or correct any inaccurate or unverifiable information from my credit report. 
Provide written confirmation of changes made to my credit report within 30 days. 
Enclosures Highlighted copies of my credit reports from Experian and XXXX showing the disputed accounts. 
Supporting documentation, including prior dispute letters and evidence of inaccuracies. 
If this matter is not resolved within the required timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies under the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

in XXXX  i tried to buy a house. the XXXX XXXXXXXX  ran my credit and there were three pending accounts that were not paid. one with XXXX XXXX, second with XXXX XXXX, and the last one with Comenity Bank. the first two accounts were dropped because the loans were in XXXX, and XXXX. I contacted Comenity bank and mentioned about the identity theft, and they responded that I had " benefits from the purchases ''!! Comenity bank sold the debt to XXXX XXXX XXXX, and now they are suing me for the account i never opened or had any idea of existing. i would like this allegation to be deleted from my credit report immediately.