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

XX/XX/XXXX or around thereafter I asked the company to please remove the account from my credit report as it has been XXXX and it will help my credit to have it removed. It is in the amount of {$450.00}. The company then told me I have to wait 10 years for it to fall off unless they pass it on to a debt collection agency. I had spoke with them about me having problems paying the bill because I just got out of the hospital and I am not going to be able to return to work. They still refused to work with me. 
XX/XX/XXXX or around thereafter I called the debtor to explain that I just got out of the hospital and I was not going to be able to return to work and asked if there was anything or anyone that could help me pay my bill. They stated there was not it was not their problem and had I taken the insurance for if i couldnt pay my bill due to unability to work then the bill might have been taken care of ( bill in the amount of {$550.00} ). They did charge it off, I called them back and asked them if they could now remove it from my credit report and they refused ( same wait 10 years unless a collecter picks it up ). 
I found out in XXXX sometime that a tv service that i shopped with cancelled my card but never gave me a reason. I didnt owe them a dime so I asked if they could remove this mark from my credit report since it wasnt a bad remark. They like everyone else told me the same story wait 10 years. 
Around XX/XX/XXXX I contacted a credit card company about a balance I had on a card in the amount of {$400.00} and something. I explained to them that I just got out of the hospital and I was not able to return back to work could they assist me in finding help to pay off my bill? No ma'am I'm sorry we can not. You will just have to make payments XXXX how could i do that with no money ). Then I found out they discharged my account so I tried through them at the " top of the ladder '' per se to see if they would remove the bad remark from my report, again " ma'am please wait 10 years unless a debt collecter picks it up ''. 
In XXXX I opened an account with a card company and when I recieved the paperwork for the card and saw the interest rate I called them and told them to please cancel my card. I owe ( XXXX ) nothing, never used it. No problem they say..Its still on my report as a bad mark. 
In XXXX I believe I filed for a discharge on my loans for school because I was not able to go back, nor pay them back. I was deemed XXXX. I was approved. They are still on my report and still being told I have to wait for them to fall off. One says its a medical bill but its not. 
Last but not least there is an address on my report that I have tried and tried to get removed as I have never lived there. It is still there. That is not me and I have never left this town. Nor would I ever live in that town. 
XXXX what do I really have to do to get something done. These are hurting me.
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602A 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 an account without my written instructions Hard inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not my accounts they are FRAUDULENT Im not the XXXX  XXXX XXXX e.g XXXX XXXX, I dispute all of the accounts listed below as FRAUDULENT ACCOUNT XXXX/XXXX {$2200.00} # XXXX ACCT, XXXX XXXX XXXX XXXX {$1300.00} # XXXX, XXXX XXXX XXXX XXXX {$390.00} # XXXX AS FRAUDULENT ACCOUNTS and the Inquiries are disputed as FRAUDULENT Inquiries as FRAUD XXXX   XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX and the FEDERAL TAX LIEN # XXXX XX/XX/XXXX {$31000.00} I DISPUTE ALL OF THE ABOVE ACCOUNTS AS FRAUDULENT.
Product: Debt collection

Account was charged off by Gm financial and XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted care credit to see what the minimum requirements were for getting approval on an application. They could not provide me a credit score or debt to income guideline. They only stated that they could not advise a client of what was needed in the event that it deterred a client from applying. As a consumer I asked for the transparency of truth in lending and cfpb to please be recognized and provide the requested information. They refused. How am I, as a consumer, allowed to make a well informed decision on when to run my credit if the providing company will not share specific details that their system and underwriters are privy to? I would like a better response to this question or at least know if they are within guidelines to denied me this information. 

Thank you, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, sent an alleged debt under my name to Transworld Systems INC ( TSI ). 
In a letter dated XX/XX/2021, an amount of {$780.00} is being requested from me ( They underline that the debts in a sum from 3 separated invoices ). The letter was sent to my parents address, I have not lived there for over 3 years. 
I am disputing the charges with TSI, the letter is being sent today, XX/XX/2021. 
The charges are supposedly for shipping, and my credit card was declined. I don't use XXXX for shipping, or ever spent an absurd amount as stated in the latter for shipping purposes
Product: Debt collection

InXX/XX/XXXX, I entered into a payment agreement with FMS to get my defaulted school loans in good standing so that I could return to school. After I made 6 payments, I was offered a financial aid package from XXXX XXXX University, and started at the end of XX/XX/XXXX. 

Mysteriously, the payments that I set up with FMS stopped, at which point I was told my account was being sent back to the Department of Education. After I started classes, by XX/XX/XXXX I received an email from the schools financial aid office that they had received notification that I was in default, so I needed to fill out an in-school deferment form, which I did and sent in to the department of education. I heard nothing after that, but applied for financial aid for the school year XX/XX/XXXX. I was notified by email from the school that I was in default, and therefore not eligible for financial aid. 

Furthermore, they have notified me that they have not received the money from the DOE because I am in default. This means that i have been attending school without any secured funding. 

Additionally, I finally made contact with someone from the Department of Education at the end of XXXX, and she said I was eligible for a loan rehabilitation, but I needed to fill out an Income and Expense worksheet, so I did and sent in. I have made the small payment required since then, but have heard nothing, and we are at the end of XXXX. 

So, I need to know : Why am I still in default, if FMS was accepting my payments for 6 months? 
Why was I offered a financial aid package from XXXX XXXX in the fall of XXXX? 
Why have I not heard anything about my loan being rehabilitated since submitting the required paperwork?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account that has been settled. I did not give consent to Equifax to furnish this account on my credit report at all. I sent letters to Equifax about account XXXX and that it should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried using Experian upload on their designated website to upload my documentation and they're website isn't allowing me. Ive been denied for credit due to Experian negligence and inaccurate reporting of my personal information. They haven't rectified my affairs and are willfully non complaint when im sending them documentation certified mail.
Product: Debt collection

Last year around XX/XX/XXXX I disputed a credit collection for a {$2400.00} debt that did not belong to me. The credit companies ended up removing that account. Now one year later around XX/XX/XXXX - XX/XX/XXXX this new company reported it back on my credit which I disputed and made a complaint through the XXXX in which I asked the company for proof it belonged to me since my info was stolen back in XX/XX/XXXX and and so many people can get your SSN and date of birth now days. The company need up removing it from my credit but as once again reported it again! They have damaged my credit points by adding and removing it so many times now. It's crazy how easy it is to add to someone's credit report. Not to mention whoever used my info for this hospital this company has broken the HIPPA by send certain info to me. 
I have posted the lettersame from the company.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Balance : {$680.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX  XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ;
Product: Mortgage

US Bank did not apply my payment of {$2400.00} on XX/XX/19. I paid before XX/XX/19 but was still charged a late fee {$86.00}. My current " amount owed '' does not reflect this payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documentation to the three credit bureaus to remove XXXX XXXX XXXX from my credit report along with a letter from XXXX XXXXt. The file was not removed from Transunion.
Product: Debt collection

No account number or identifying information other than their name and balance of XXXX I have repeatedly ( for months ) tried to contact XXXX ( XXXX ) who is collecting for a medical debt on my credit report. Everytime I call I reach a recording that states that their hours of operations are Monday to Thursday XXXX XXXX. to XXXX XXXX. XXXX XXXX XXXX and Friday XXXX XXXX to XXXX XXXX   and to please call back during normal business hours and I am calling during business hours. I don't even have so much as a account number. I have tried to contact them through a website I found when researching how others have communicated with them at XXXX. There is no email link to contact them with questions, there is not a search available to find your records within their system so that you could research the bill and resolve. I never received communication from this debt collector on top of all of this. How am I as a consumer supposed to validate and get resolution with zero communication with the debt collector.
Product: Student loan

I contacted XXXX university for which was given money to cover expenses of education. 
The problem is I've never attended this school, enrolled in this school. I have 0 classes and 0 credits for this school however I am still being held responsible to pay for a loan given to a school that I did not attend. 
( 2 ) i contacted the us department of education and they emailed me a form which I've sent back to them regarding this complaint. 
However, the problem is my tax return is being offset. Which the calculation is in question of exactly how much I owe. Because money was paid to a school I did not attend. 
My account is now is with XXXX  XXXX  XXXX  whom of which have a 66 page lawsuit pending for predatory practices. Which I told the department of education that I was uncomfortable working with this agency for such and they advised me to still work with them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX Has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 years.

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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Dear CFPB, I am writing to formally dispute inaccurate late payment entries on my Experian credit file for my account with XXXX XXXX XXXX  ( # XXXX ). These reported late payments do not accurately reflect my payment history and, I believe, constitute a violation of my rights under federal law. 

Nature of the Complaint : Inaccurate Reporting of Late Payments : The late payments indicated in my Experian credit report are incorrect. As I have been consistently enrolled in autopay for this account, my payment history should reflect 100 % on-time payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccuracies on my report violate the FCRA, specifically 15 USC 1666 ( b ), which mandates accurate representation of consumer creditworthiness. Incorrectly listed late payments can have a detrimental effect on my credit score and misrepresent my reliability as a borrower.

Possible Violation of the Fair Debt Collection Practices Act ( FDCPA ) : False reporting of payment information may also violate the FDCPA, which protects consumers from deceptive and misleading representations related to their accounts. 
Noncompliance with the Truth in Lending Act ( TILA ) : The inaccurate reporting of payment information further violates the TILA by failing to ensure the accuracy of reported credit information.

Additionally, the Fair Credit Reporting Act, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, requires credit reporting agencies and information furnishers to ensure maximum possible accuracy in consumer reports.

Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), both willful and negligent noncompliance with these accuracy standards may result in civil liability, including compensation for actual damages, attorneys fees, and potential punitive damages. 

Requested Resolution : I request an immediate and thorough investigation into these inaccuracies. I expect Experian to correct my credit file by removing all erroneous late payment entries for this account, accurately reflecting my commitment to timely payments. 

Please confirm the correction of these entries in writing within 30 days of receiving this letter. Failure to resolve this matter within the given timeframe may result in further action to enforce my rights under the FCRA and other applicable consumer protection laws.

Attachments : I am including supporting documentation to substantiate my dispute, including personal identification, account status reports, payment records, and prior correspondence related to this matter. 
Thank you for addressing this matter with the urgency it deserves. I trust Experian will uphold its responsibility to ensure the accuracy of my credit report and correct these errors swiftly. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

I have 14 {$25.00} American Express gift cards I have got from work as rewards at different points over a year or 2. I have been unable to use them anywhere, including XXXX. The amount is too small and I can't use multiple cards at once. I want to combine them so I can use them to make a larger purchase but they do not allow that. So I have {$350.00} worth of gift cards that are worthless.
Product: Mortgage

Consistent misappropriation of mortgage payment every month for years now. When I receive a new bill, I pay it ( electronically ). I usually pay through my online personal bank account and switched per their suggestion and pay through their website. Every month they apply my monthly payment when received even a day early, directly to the principle and not to the monthly payment due. Every month I have to spend lots of time navigating the telephone prompts to get a live person on the phone to have them reverse my principle payment to the actual mortgage payment due. I only owe a pittance on my mortgage at a low rate and no matter what I do, the payment goes to the principle. This has been EVERY MONTH FOR YEARS NOW! It seems as if my account is structured to get rid of my loan because they arent making any money on it. Every time I call, I get a different runaround as to why the funds were misappropriated even though I specifically designated the payment towards a monthly pmt due. Are they in 100 % compliance as per the FDIC? I believe not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified and unvalidated accounts have been placed on my consumer credit reports in violation of the FDCPA and FCRA. I do not have a relationship and/or signed contract with XXXX XXXX XXXX XXXX I did not give written permission to have my personal and/or medical information furnished to these third party debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have new and updated information about Equifax. I recently submitted a complaint about Equifax violating my federal rights to a reasonable investigation. Attached exhibit is Equifax response stating they received my complaint yet they will mail me the results. I have the right to receive my results through the CFPB as well. As federal law states a consumer can receive such correspondences through any direction. Along with the results of the investigation as stated in my previous complaint Equifax is also to provide the details of the investigation, a list of all persons that Equifax do business with regarding my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter sent to me on XX/XX/2019 from XXXX about action taken and statement of reasons. Stating I have a derogatory XXXX HISTORY as a reason to deny credit. 
From the report from Experian XXXX XXXX XXXX XXXX. Among other reasons, I went online to Experian and can not find anything in public record. 

I sent a letter to XXXX wanting to know from were and about what on XX/XX/2019 

Is there another source?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently disputed this exact issue regarding old information still being reported on my XXXX, XXXX, and Transunion credit reports numerous times and they were FINALLY removed and yesterday I received a notification about a change to my credit scores. I checked them and their was a decrease of 22 and 73 points respectively as well as information on my personal contact info that doesnt even belong to me!!! This is getting to be BEYOND RIDICULOUS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a roommate who lived in my home for several years. I was not aware that they illegally acquired my information and over the course of these last several years used my information in an attempt to acquire credit with various credit companies. 
I contacted by phone XXXX and they were very helpful and removed the inquiries in question but then about a month later-reinserted those inquiries without any notification to me whatsoever. I also called XXXX and TransUnion and was told that hard inquiries were not allowed to be deleted. That is not an accurate statement and the FTC has provided me with a letter acknowledging that I am the victim of identity fraud. I would like to have any inquiries that I did not personally make and or sign for removed as soon as possible. Since different credit bureaus have different inquiries I would like to have a dispute opened for me with a representative so I can accurately and fairly get my information updated. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report today XX/XX/20 because I plan on refinancing my auto loan soon however, I saw several accounts on my report that I never opened. They are from several different companies that I am not affiliated with in any way. I don't know who opened these accounts in my name without my permission but I did not gain anything from them such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. I do not have any written/verbal contract with any of these companies and I did not give them permission to access my credit file. I have filed this report to the best of my knowledge.