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

Experian received my notice of request to remove four unauthorized accounts that are listed on my credit report as a result of identity theft on XX/XX/2022. Yet Experian has disregarded the law by first, responding via email, ( and not via writing ) with erroneous accusations that appear to be both demeaning and damaging to my character. My request was not made in error as I went through the proper channels by filing a identity theft report with the FTC, nor was it based on material misrepresentation. And accusing me of obtaining possession of goods and services as a result of identity theft unbeknownst to my knowledge is something I take very seriously and will use against Experian in my further legal claims against them if this issue isn't solved. Experian has violated my privacy and consumer rights in regards to the following legislation regarding identity theft, by not blocking and removing

these four accounts from my Experian credit file. FCRA 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 40 605B - 15 U.S.C. 1681c-2 Please urge Experian to follow the law and delete these four accounts immediately at once or face further legal actions through state and possible federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX- I was 5 days late on my credit card payment to XXXX XXXX XX/XX/XXXX - XXXX XXXX offers me a settlement for 60 % of amount owed on credit card XXXX - XXXX I call about terms of settlement XXXX Explains is I take agreement they will take the payments out of 12 months and tat the end of the 12 months the account would be a closed and it would be reported as settled for less than amount owed I agreed. 

I gave them my bank information I called back in the middle of XXXX of XXXX to see if they would be reporting payments to credit. They said they would not be making any reporting to credit that the account was just agreed to be settled for less than full amount. 

I paid through my bank automatic withdrawal for 12 months. 
Than at the end of the 12 months XXXX marked me 30 days let for XXXX of XXXX the first month of the payment plan and XX/XX/XXXX. The last month of the payment plan. 
Again I was not late either of these months. 
I called they said they would fix it and they have since marked me late each month since and I do not owe them any money. 
They have not stated the account is charged off. I never was never late and I was never in collections. All my conversations were on re corded lines and payments were directly taken out of my bank account.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXX/XX/XXXX
Product: Debt collection

This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account ( XXXX XXXX XXXX  ) in the amount of {$1500.00}. This balance is showing on my credit reports which is incorrect as it has been paid in full by the dealer on XX/XX/2019. I had contacted XXXX XXXX XXXX  personally myself to confirm the payment from the dealer was paid in full to the bank. It has been confirmed as paid in full and XXXX balance. I disputed this amount with all 3 credit reporting agencies and received a response today from Experian that I need to submit additional information or they will not dispute this for me. This is wrong because its adding to my debt to ratio and in fact I do not owe this amount. It is affecting my credit score. I do not have proof that the {$1500.00} was paid in full as I mentioned earlier when I turned in the old lease the dealer paid in full the balance owed to the bank and I re-leased a new vechile from there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am lock out of a reporting credit reporting agency, because I fail to pay a bill that I had cancel on XXXX of 2019. and the credit agency remote voice will not allow me to speak will a customer rep. to clear this up.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAVE FRAUDELANT ACCOUNTS ON MY REPORT, PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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: Student loan

I have been current on all my payments but so far I can not seem to find a job to actually refinance to a different company, and so far XXXX XXXX has the nerve to say that my forbearance period is up. As of late the current company that I work for has been overworking and underpaying me to barely survive and this month I won't be able to pay my minimum payment towards my XXXX XXXX loan. This is getting out of and needs to be dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX Bank This account was closed in XX/XX/XXXX Over 10 years old why is it still being reported, I should sue both of you last reported XX/XX/XXXX that XXXX XXXX CFPB I request that you step in on this matter remove it at once
Product: Credit card or prepaid card

I am writing to complain about an encounter I experienced with Capital One Bank. I spoke with one of the representatives on/about XX/XX/XXXX about a credit line increase and the representative informed me that I was eligible and would be approved for an increase and would be approved as long as a {$60.00} payment to the account was made to bring the account below the credit limit. The representative told me to request the credit line increase through the XXXX phone service and it would be approved. When I went to make the payment over the phone and request the increase over the phone 's XXXX service it told me to wait 10 days for a response. I received my response today on XX/XX/2021 right before XXXX holiday and says I was declined. I used my last {$60.00} thinking I would be approved for an increase. And immediately, a {$5.00} charge was added to the limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was turned back in on XXXX, XXXX. All final settlements and payoff were completed by XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX continues to report that payments are still being made through XX/XX/XXXX on XXXX. On Transunion there are reporting payments made through XX/XX/XXXX. On XXXX they are reporting a XXXX on XX/XX/XXXX and payments made through XX/XX/XXXX. 

Incorrect payment status across all three bureaus. 

Account status is inconsistent across all three bureaus. 

Closed ( Transunion ) XXXX ( XXXX ) Derogatory ( XXXX ) XXXX refuses to look into it. Credit disputes have not helped. 

Please remove this fradulently and illegally reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the Consumer Protection Subchapter III - Credit Reporting Agencies Sec. 1681a - Definitions of Rules and Construction. Upon further review of the law, ( 2 ) Exclusions ( A ) ( i ) a " consumer report '' does not include any information solely as to transactions or experiences between the consumer and the person making the report. As a result, my rights have been violated under the Fair Credit Reporting Act. 

At this time, XXXX, TransUnion, and XXXX are reporting transactions and experiences that are in direct violation of the aforementioned law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy a car on XX/XX/XXXX at XXXX XXXX and they approved me, but they told me I had a negative account ( XXXX XXXX XXXX XXXX ). I have no idea who opened this account or what it is for. My personal information was stolen on XX/XX/XXXX and they took my birth certificate, driver 's license, and social security card amongst other personal belongings. I am assuming that's how they open this account but I'm not sure. I have an open police investigation for that incident. I need this account blocked because it doesn't belong to me and it already cost me money considering I probably got a higher rate on my interest rate for my car. And this account will continue hurting me even though I never opened this account. I never received or possed any goods, services, or money from this account. I filed a police report already and it's an open investigation, no arrest has been made yet. All my statements are true and correct to the best of my knowledge.
Product: Debt collection

I sent them letters because they are reporting it to the bureaus, but they not sending any valid proof or permissible purpose of any debt i owe them. 

They did not send me any contract where I signed to pay them anything. 

I have contacted the credit bureaus multiple times disputing it, but they also have no proof yet still keep it damaging my credit and defaming my character.
Product: Credit reporting, credit repair services, 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.Figure lending account # XXXX has violated my rights. 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I took advantage of a 0 % interest offer for 12 months from Barclays XXXX XXXX credit card with a 3 % fee for the balance transfer. I transferred {$12000.00} dollars to the Barclays card on XX/XX/2022 understanding that there would be a {$360.00} fee for the transfer. 

My rationale for this balance transfer was to put money on a 0 % interest compared to the 11 % interest I was paying. My intent was to pay this 0 % transfer off within the XXXX year allowed at 0 %. 

My first statement came in the mail from Barclays and it included interest charges in addition to the transfer fee. I called Barclays and they required me to write a letter to their Card Services explaining my situation. I wrote them got a letter from Barclays dated XX/XX/2022 denying my request for no interest. I called them a few more times after this date, again with no success. 

I paid Barclays {$12000.00} on XX/XX/2022. I informed them that I do not owe any interest or late fees, and that they would not get another dime from me. I paid what I owed way sooner than I ever intended because of their overcharging. 

I made a few more phone calls, and Barclays made me an offer to pay this card off at a reduced rate. All the charges that they accumulated we interest charges and late fees. I do not owe them a dime. 

My credit score has dropped significantly because of Barclays actions and they keep adding interest and late fees every month to a fabrication of theirs.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please review the account and update/correct it. 


XXXX XXXX XXXX
Product: Mortgage

Have been attempting to conduct a Short Sale with Citi Mortgage - unsuccessfully. Citi has been unresponsive, has not returned calls or emails and fails to fulfill what they indicate they will do. Here is a quick timeline summary. 
XXXX - Submitted a FULL & COMPLETE Short Sale Package to Citi XXXX - Called Citi and confirmed receipt of the package XXXX - Conducted a successful phone interview for short sale pre-qualification, then scheduled a callback for XXXX. 
XXXX - Received the scheduled call back from XXXX XXXX XXXX. He reviewed all documents with me on the phone and said the package was complete and also that the previously completed BPO ( valuation ) was still current. He indicated the file would be forwarded to a negotiator that same day and that XXXX would call me the following week with an update. 
XXXX thru XXXX - During this time I tried to call 6 times, spoke to 2 different Managers, emailed XXXX 2 times and scheduled 2 additional callbacks -- all communication attempts were unsuccessful. I was however able to determine that the file WAS NOT sent to a negotiator. Also no one else could discuss the file and XXXX was never available and Citi 's phone system does not allow an outside caller to reach a specific extension or person. 
XXXX - Finally reached XXXX XXXX who indicated ( again ) that the file was complete and he would rush the file to underwriting, as a precursor to going to a negotiator. I scheduled a callback for XXXX. 
XXXX - Spoke to XXXX XXXX who indicated the underwriter did approve the relocation assistance for the seller and that the file was being assigned to a negotiator ( as we spoke ). He indicated he would get the negotiators contact information and call me right back. 
XXXX - Still no call back
Product: Mortgage

I paid nearly XXXX XXXX more at closing than what I was told and estimated.I could not get an exact reason why and the answers also kept changing on why. When I inquired about my costs during the closing process I was told it would go down and that is was not finalized, but this did not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Willfully FCRA Violations by Experian, XXXX and XXXX for Facially False Data and Lack of Controls This complaint is based on recently discovered correspondence of XX/XX/XXXX to me from XXXX XXXX Senior Vice President, XXXX XXXX, and credit reports of XX/XX/XXXX and prior from Experian, XXXX and XXXX, which document that XXXX XXXX SrVP wants my account marked CLOSED since XX/XX/XXXX but my account has been inconsistently and impossibly changed to OPEN after XX/XX/XXXX despite monthly reporting as CLOSED from XX/XX/XXXX to XX/XX/XXXX. This Complaint must be referred to XXXX XXXX  SrVP XXXX XXXX  who is the person with the most knowledge of the facts to demand and insist that every CRA report my XXXX  account as CLOSED and never again report it as OPEN. I attach extensive additional facts and documentation which is realleged by reference as if specially set forth at length herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Product: Student loan

They say I owe and have missed payments. I have paid off my student loan and I have submitted proof of payment on their website several times.. I have also called several times and every person I speak to does not know what is going on.. 

I am seeking a legal counsel if this is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX all have me reporting late for 12 months total between XXXX and XXXX for XXXX XXXX. I have attempted on several occasions to have this issue resolved. I have spoken with the creditor and they have confirmed that I have never been late on any of my loan payment accounts and provided me a statement letter with this information and the credit bureaus fail to update the systems with the accurate information. I have several student loan accounts with this company and only one is showing late reporting which is in accurate. I would like to have my report updated accordingly please. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I have a closed XXXX  XXXX account that was paid off it still shows on the report as a credit line. 
I have several student loans from the department of education that are showing up as late payments and those loans are XXXX XXXX XXXX XXXX 
I have a XXXXXXXX XXXX credit card that was paid off and I still shows on my credit report as a credit line. 
I paid off a XXXX XXXX XXXX and a bill from XXXX XXXX  that were both in collections and is still showing as well. 
I have a XXXX XXXX XXXX credit card that is showing up as a XXXXXXXX XXXX XXXX and a XXXX XXXX. I don't know who to pay. 
I also have XXXX inquires all from XXXX XXXXXXXX dating back to XXXX that should have been soft inquires. 

I have submitted several dispute request to explain they all come back verified.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX XXXX, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted.

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 XXXXXXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of XXXX  secured jobs in their field of study within XXXX months of XXXX. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX