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

My student loan have been reported on my XXXX, Experian, and XXXX files for over 29 years. I have contacted them through the years, they keep reporting it. 

My loan has been bought and sold many times. I have proof, and I'm ready to show my credit reports that I saved through the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 hi received an email from Equifax stating that my dispute was resolved and attempted to access the results online ( unsuccessfully ) and was redirected to call in. Upon calling Equifax the same day, I was told that they were unable to access my credit file because their system was " updating '' and to call back in a half hour to an hour. I then questioned the representative and informed them that the same thing happened to me when I attempted to file my dispute a month ago. I assumed that the issue would be resolved in a short time, however I was sadly mistaken. 11 phone calls later, I was repeatedly fed the same line from everyone I spoke to.This morning, over 24 hours later, I am still unable to access my credit file. I am in the process of applying for a loan and can not lift the temporary freeze on my account so they may access my file as well. Nobody has any answers as to why this is happening or really seems to care. I hope some oversight from your agency will hold the individuals from corporate responsible for their actions ( or lack thereof ) and deal with the parties who feel that this lack of accountability and service to consumers is acceptable. How can this company be trusted with highly sensitive and private information when they are not even capable of performing their SOLE function?
Product: Mortgage

I alerted 'LoanCare A XXXX ' to make a payment on my property taxes since I did n't notice the funds being sent to the tax collector on my statement. The payment still has n't been made and I had to pay out of pocket. I gave them a heads up a month before my taxes were due.
Product: Credit reporting or other personal consumer reports

I received notification from XXXX on XX/XX/XXXX via physical mail, and notarized by the post office, that my student loan is paid in full. My loan is currently listed as paid in full status. 

However, all three credit bureaus report that the loan is still outstanding as of XX/XX/XXXX. XXXX failed to notify the credit bureaus in a timely manner of this update. This resulted in a XXXX point decrease in my credit rating. 

XXXX also sold incorrect and false information pertaining to my person to all XXXX data brokers. This constitutes slander, liable, and defamation. Furthermore, this fraudulent act constitutes a violation of the XXXX XXXX of XXXX. 

XXXX is a financial entity acting as an extension of a government entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't had a recent credit score through Equifax and XXXX in three months. Since XX/XX/XXXX of this year no new information or changes have been made. I tried to contact their company, and never got a response back
Product: Payday loan, title loan, or personal loan

This initially began in XXXX and XXXX when the XXXX, TN Republic Finance employees ( XXXX and XXXX ) would repeatedly call me as soon as my payment was 5 days past due ( after the company grace period ) but I could not give them an exact date on which I would be able to make my payment. If I was unable to answer the call because I was working, they would call all of my references ( even though I was only a few days late ). They would often speak rudely to me and talk over me. I finally filed a complaint with Republic 's customer service department. I spoke with XXXX on XX/XX/19, who said that she would reach out to the Regional Vice President regarding my issue. I received a letter a few days later from XXXX XXXX stating that the representatives would no longer be able to phone me. I began making my payments online so that I did not have to interact with the rude employees. On XX/XX/2019, I made my payment online at about XXXX XXXX. Shortly thereafter, I was on the telephone with my husband ( one of my references ) when he received a call from XXXX stating that if I did not call him in the next five minutes he would flag my payment as late. I called XXXX, feeling threatened, and told him that I was returning his call. He immediately began to be rude to me and told me that because I made my payment online at the end of the month rather than calling the store to make my payment that it was going to be considered late. He said that they tell customers that the payment must be made by 3 to considered the same day. I told him that as many times as they have called me no one ever told me that. I tried to ask XXXX if my payment was definitely going to be considered as late because that was not what was said to my husband. He refused to answer my question but instead continued to chastise me for not calling the store. I became very frustrated with how he was talking to me and by him not simply answering my question so that we could end the phone call and explained to him that that ( the way he was speaking to me ) is why I do not like to call. 

I have tried to work with the employees at Republic Finance yet they refuse to be polite and work with me. I understand and honor my responsibility to the best of my ability. I am a hardworking bill paying adult who does not deserve to be treated ( abused & harassed ) the way XXXX and XXXX have treated me.
Product: Credit card

Payed {$3200.00} to a Synchrony Bank credit card. Payment initiated on XXXX and received by Synchrony on XX/XX/2023. It is a typical pattern for me to pay the full balance of the card regularly. Synchrony bank has has the money in their possession for six days since XX/XX/XXXX, as it was a direct transfer ( not a paper check or other such thing ). As of XX/XX/2023, the payment is still not credited to my account. On XX/XX/XXXX, initiated another payment for approx {$800.00}. Again, a direct wire transfer, and fitting my usual pattern of paying the account in full. When checking the account online, I noticed it the {$800.00} payment was ALSO not reflected. I telephoned Synchrony bank. They told me the {$3200.00} was " on hold '' until XX/XX/XXXX ; and that the {$800.00} XXXX was " on hold '' until XX/XX/XXXX ( for XXXX more days??? ). They said it was to " ensure verification of the payments since I USUALLY only make individual payments in the $ XXXX {$1500.00} range. '' What I USUALLY do is pay the account balance in full regularly, regardless of the amount. They HAVE RECEIVED THE FUNDS AND ARE HOLDING THEM IN THEIR BANK, but will not credit my account. I am a good customer- use the card regularly, and pay it off regularly. Have never spent over the credit limit, have never had a late payment, have never missed a payment, have never submitted a payment that was rejected for insufficient funds. There are no grounds for Synchrony to hold these funds to " verify '' them for 10 days .... nothing on my account, nor within my history with the company warrants it -- unless this is some dirty dealings to accrue some extra interest (? ) Is this a common practice to extort funds from customers who aren't in the habit of carrying a balance? Unwarranted and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX DISPUTED : 1. XXXX XXXX XXXX XXXX  2. XXXX XXXX XXXX XXXX ON XX/XX/2022 AND XXXX XXXX. EXPERIAN HAS STATED THEY VERIFIED THE INFORMATION. ON XX/XX/2022, I FILED A COMPLAINT WITH YOU THE ( CFPB ) REQUESTING THAT EXPERIAN PROVIDE ME THE Method Of Verification Using FCRA 611. 

THEY RESPONDED WITH NONE OF THE INFORMATION I REQUESTED. 



EXPERIAN HAS FAILED TO PROVIDE ME WITH A COMPLETE AND ACCURATE REPORT. 

THEY ARE ALSO IN VIOLATION OF SEVERAL OTHER LAWS LISTED BELOW : 15 U.S.C 1681 a.1.a 15 U.S.C 1681 ( a ) ( 4 ) MY RIGHTS TO PRIVACY 15 U.S.C 1681 ( b ) DID NOT USE MANNER WHICH IS FAIR AND EQUITABLE TO I THE CONSUMER IN REPORTING NEGATIVE ALLEGATIONS WITHOUT WRITTEN PERMISSION.

15 U.S.C 1681b ( a ) ( 2 ) NEED WRITTEN PERMISSION 15 U.S.C 1681 ( n ) - Civil liability for willful noncompliance.

SECTION 609 OF THE FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Equifax, Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 


XXXX XXXX XXXX - {$87.00} No Account Number listed, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} No Account Number listed, has violated my rights. 


REMOVE ALL HARD AND SOFT INQUIRIES- XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2023 There are multiple Hard Inquiries on my credit report that are NOT authorized, - XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 There are multiple Soft Inquiries that are NOT AUTHORIZED : Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. 16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown. 


REMOVE FRAUD STATEMENT OR PERSONAL STATEMENT Remove ALL EMPLOYMENT INFO
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I purchased XXXX Ethereum coin on XX/XX/XXXX for  {$630.00} per coin. Total was {$650.00} with fees that Coinbase charges. I bought the coin with my Credit Card which is supposed to be " instant '' as described on Coinbase 's website. I waited and the transaction was stuck on Pending. My card was not charged but the transaction never went through. Had Coinbase processed the buy as promised, I would be able to sell that coin now for a premium. 

I contacted Coinbase 5 days later and opened a case with them. I was told a specialist was working on my issue. On XXXX XXXX, 2018 I got an e-mail saying that my transaction was cancelled by Coinbase since my XXXX XXXX  cancelled it. 

The issue with this fraud is I have bought coin with this same card before and my bank never blocked it. I was even able to buy coin days after on the XX/XX/XXXX with the same card. I got no notice from my bank stating they blocked the charge and they always do send me notice when they do. This is how i KNOW Coinbase is lying by saying my bank is to blame. They do not want to give me my Ethereum coin @ the {$630.00} price because the price of one coin currently is over {$1100.00}. Coinbase is lying and is costing me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # 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, also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

XX/XX/year> XXXX sent id to verify it's me and also let them know where the funds came from unemployment
Product: Debt collection

I had a XXXX XXXX account that was closed on XX/XX/ when I switched to another provider. This provider was XXXX  Upon cancellation, XXXX sent me a bill for {$5100.00}. 

On XX/XX/XXXX XXXX a bankruptcy was filed in the United States District Court in XXXX Texas. This case number is XXXX. XXXX XXXX was included in the verification of creditor matrix. This is a XXXX XXXX bankruptcy filing. 

XXXX continues to pursue collection on this debt. As of XX/XX/, they turned this debt over to a collection agency. This collection agency is McCarthy, Burgess and Wolff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt XXXX. I do not have a contract with that company. I have contacted Experian regarding this collection fraudulently filed on my credit report, but they still refuse to remove it.
Product: Checking or savings account

In XX/XX/2019, FirstBank PR blocked access to my accounts, which it marked as overdrawn due to a disputed transaction. In doing so, they would not allow me to view my online statements. 

FirstBank PR did not mail physical statements for the account. 

In violation of the Truth in Savings Act, FirstBankPR will not provide access to the last 18 months of statements. 

In addition, I made a deposit by mail of {$20.00}, but FirstBank PR failed to credit the account. 

Finally, because FirstBankPR failed to provide access to the statement, I could not dispute transactions in a timely manner which would have cured the alleged overdraft and would have entitled me to a reimbursement of the erroneous overdraft fees. 

FirstBankPR owes me in excess of {$60.00}.
Product: Mortgage

I have overpaid my mortgage company over {$2900.00} for FHA Insurance and they will not reimburse me. Instead they cancel my paid up FHA insurance and sent me a letter disputing that I have not overpaid. This trial has been going on for a year this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection appeared on my credit report without my consent from a collection agency central portfolio in the a amount XXXX on XX/XX/XXXX XXXX then reached out to the collection agency to inquire more about the bill and asked why was this bill put on my credit report without informing me or without my writing instructions.I then requested the original itemized bill of me signing or agreeing to this amount. The collection agency then replied by stating the collection was bought by a third party and they cant provide me an itemized bill. They also stated that the company where the original service took place is closed, so there is no way of providing that information and as long as the third party verify it then it stays on my credit. I then stated to the collection agency that I dont have a XXXX bill from the company and they said its nothing they can do basically. 
In Accordance with the Fair Credit Reporting Act XXXX account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
The Collection Agency is Central Portfolio acct # XXXX collection is being reported on my XXXX and XXXX credit report. The collection agency also stated that the bill is from XXXX and they have no way of getting the original bill.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting XXXX XXXX  ( Account Ending in XXXX ) To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report related to the XXXX XXXX  account ending in XXXX. The account is being reported as charged off ; however, XXXX XXXX  has failed to issue a Form 1099-C or provide documentation verifying the validity of this debt. This reporting violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting of consumer credit information. 

Disputed Information Creditor Name : XXXX XXXX  Account Number : Ending in XXXX Issue : Charged-off account still reported without verification of validity or issuance of a Form 1099-C.

Violations 1. 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

2. 15 U.S.C. 1681s-2 ( b ) : Failure to properly verify and correct inaccurate information after a dispute.

Requested Resolution 1. Remove the XXXX XXXX  account from my credit report. 
2. If the account remains, require XXXX XXXX  to provide : Proof of continued collection efforts or A Form 1099-C, if the debt has been forgiven. 

Supporting Documents I have included the following : 1. A copy of my credit report with the XXXX XXXX  account highlighted. 
2. A copy of my government-issued ID and proof of address for verification. 

Please complete your investigation and notify me of your decision in writing within 30 days, as required by law. 

Sincerely, XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing complaint has been filed to request pursuant to FCRA s 605b ( 15 U.S.C s 1681c-2 ) that you, the XXXX 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 and false information consists of the following auto loan account IC System, INC / XXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the US federal trade commission that the mention account and collection are the results of identity, death and fraud.
Product: Credit card or prepaid card

JP Morgan Chase, the issuer of my XXXX XXXX card charged me {$25.00} late fee because they claim I did not make the minimum payment of {$25.00} for the billing cycle ending XX/XX/XXXX on time. This is a false claim. My total balance for the previous cycle ending on XX/XX/XXXX, was only {$60.00} but I paid {$200.00}, meaning I had {$140.00} credit with Chase to be applied for the next month, XX/XX/XXXX. Chase recorded the {$200.00} payment on XX/XX/XXXX. During the next cycle I used the card for other purchases for a total of {$360.00}. Chase applied the {$140.00} cash credit from previous cycle and my balance came to about {$200.00}. So, the {$140.00} of my money that I had at Chase was used and credited toward my XX/XX/XXXX billing cycle. Therefore, I had the peace of mind that I did not have to worry about the minimum payment and did not make one. However, Chase still charged me late fee because they claim that even though they had my money and that money was used as a payment to my account that does not count as a payment. This is unfair business practice and I am sure I am not the only victim of this kind of creative accounting by Chase. In my view since at the beginning of the billing cycle I did not owe anything on my account and actually Chase owed me {$140.00} then they can not claim and late payment against me during the next cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 sent a dispute in writing to all 3 credit bureaus and I received an email from Experian telling me that they will not be taken any action on my dispute because they assume that I didn't authorize the dispute. How can they tell me that I didn't send the dispute?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt or credit management

I started using Lexington law in XXXX. I was charged XXXX $ per month and would also has unexpected fees taken out. The promises were misleading as my credit score never changed, and actually got worse.
Product: Credit reporting or other personal consumer reports

Received a letter from Elan Financial about being unable to establish an account under my name. I did not requst this and have never contacted Elan in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express Please see detail in letter attached. 

Remove of closed accounts in all bureaus due to fraudulent activities.