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

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit card or prepaid card

I was told that a notice of the rate increase was sent to me on XX/XX/XXXX. I have informed delivery USPS and I have no record that this piece of mail was delivered to me. I went back and looked t all me email to see if it was delivered. Also I signed up for paperless bills and notifications so I really don't look at most of mail because I expect delivery via email which I had signed up for. American Express increased my interest rate by almost 6 percentage points. 


I contacted American Express on XX/XX/XXXX to question this large interest increase. I was told by them it was a business decision to raise rate to bring it current to what someone who was applying for a credit card today. I have been arbitrarily penalized because of a business decision they made. This has increase my payments by almost {$200.00} a month.
Product: Credit card or prepaid card

Comenity Bank 12 month promotional (XXXX  XXXX)Invalid interest and fee charges: $XXXX total Last statement: Due Date payment XX/XX/2019 Owed $XXXXPayment of $XXXX went through on XX/XX/2019 Hello, I have been a XXXX XXXX customer for years now. 12 months ago we bought a set of wedding rings on a 12 month promotional plan, interest free. I have been paying my monthly payment on time every XXXX of the month to Comenity Bank (XXXX  XXXX Credit card Bank) since I am a good customer. When we bought the rings they explained to us that we would have no interest if paid in full by the last statement due date which was XX/XX/19. My payment on the last statement went thru on XX/XX/19 which is perfect according to the due date listed in the statement under "Payment Information." (Payment due date) I paid all my 12 statements on the XXXX of every month required by the due date.I spoke to their customer service department and they had said that the Real Due Date was in a small box in the middle of the statement page, and that box was not even on every statement only the last couple, which is a very deceptive way to have the customers not notice it. Every customer knows that the due date is under their payment information and that due date listed XX/XX/19. I believe this is very deceptive way for the XXXX XXXX customers putting two different due dates in the same statements.Comenity Bank which is the bank that gives out the loans to XXXX   XXXX, sent me a letter saying that the charges are valid and that they will not remove those charges. I claim that the "fees charged" and "Interest charge" be removed from my account.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting for investigation updates or results since XX/XX/2021. It has been more than 30 days and nothing yet. There is inaccurate information reported on my credit and I have tried on several occasions last year to fix these errors with no luck. Now they aren't even responding to me. Please help!
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/scrub>, 1965, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened from XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Debt collection

XXXX of this year XXXX full my balance off at America Express of {$1800.00} Check was date XXXX. As of today XXXX the balance is still showing on my credit report with XXXX. I have spoke with XXXX several times and each time I am told they will remove it. It still has not been removed.This is ridiculous we are going on three months now. I have proof that is had been paid and I want it off my credit report
Product: Debt collection

I have disputed this debt with XXXX, XXXX XXXX and XXXX XX/XX/year>, and the furnisher has failed to provide accurate and verifiable information as required by 15 U.S.C. 1681i. The CFPB has ruled that unverifiable debts must be deleted from consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 ; states that I have the right to privacy. In 15 USC 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account account without my written instructions. And under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Complaint is against my mortgage servicer XXXX XXXX. I was placed on a forbearance, I talked to someone in XXXX they approved the forbearance due to COVID-19, They said they would send me the proof it has been 4 months. I received nothing. I have been calling for 43 days and emailing for 38 days and chatting online because I have been lied to and have been told for almost 6 weeks that someone would contact me in 48 hours. I have now been told that 23 times and now here 6 weeks later I am still waiting  for someone to discuss my mortgage & bring it current. I initially contacted them in XXXX of 2019 to start the process and they will not contact me after all my attempts. Both me and my husband were laid due to COVID-19 which initially started in XX/XX/2019. I have been trying to bring my loan out of forbearance and current for the last 2 months so that I do not get reported to the credit bureaus. We are back at work and can pay the past due amount. Per the cares act which I will attached, if we were late prior to COVID-19 per FHA the mortgage servicer is to report me current for the past due months prior to COVID-19 it is written in stone by FHA/HUD  and the cares act. I have been dealing with XXXX since XXXX of 2019 to make sure I was not marked 30 days late and due to their negligence and the 43 days of lying to me that someone would call me and still till today has not are trying to ruin my life. Covid came out in XX/XX/2019 We were laid off for months we have been trying to bring our mortgage current for th 6 months and they have not helped me and I don't deserve to be reported late for the last 6 months. I need someones help because as of today I still can not pay my mortgage because they choose to ignore me. This is not fair, for the last 6 weeks i call and the call transfers me to a XXXX XXXX and his mailbox is full. come on this is terrible. I want justice and I don't want them reporting any delinquencies on my credit report because I have been trying to pay them and they ignoring me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The response XXXX, Experian, XXXX is not consist with the Fair Credit Reporting Act or FCA. The Fair Credit Reporting Act gives the credit bureaus no more than 60 days to complete a complaint of a customer. 
The credit bureaus never responded to my initial complaint dated XX/XX/2020. So therefore the credit bureaus only have 30 days to answer my complaint fully from the date of XX/XX/2020 this is an continuing case that with no response from XX/XX/2020 case. That I do not have an account with XXXX and I do not owe XXXX any money as the credit bureaus are reporting. If the credit bureaus fill I owe another creditor than they should report the that creditor so I can issue a dispute with that company. Like I did the XXXX account. XXXX has issued a written statement stating I do not owe the company any money. The XXXX state my XXXX was sold and they are not the original creditor any more. My account was sold to XXXX. XXXX XXXX XXXX is a fraud reported by the state of Michigan. Once account is sold then the original creditor would be listed as XXXX. Have your client XXXX XXXX XXXX to send me documents that the original creditor is XXXX not XXXX with the creditor Code so I can send the documents to the state of Michigan for review. So to all the credit bureaus have your client XXXX XXXX XXXX send me documents stating XXXXXXXX XXXX purchased from the original creditor XXXX on XXXX XXXX my account for {$270.00} with the chain of custody. Then I will send the documents to the state of Michigan for review. The XXXX account the Credit Bureaus list for $ XXXXis not mine. 

Under the Fair Credit Reporting Act the original creditor is the last creditor to hold the account and that would be XXXX. 

Thank you,
Product: Student loan

Hello, This concerns XXXX and my loans with that company. I have been paying on them for years but went into grad school so have had them in deferment for a year. 
I tried to log in a few months ago and the website said that my login information didn't work, that there were changes being made and issues with the site, and to wait. I couldn't log in for weeks. 

I tried to log in yesterday and it looks like XXXX has been changed to XXXX. My log in information does not work, and my social security # is not recognized at all. 

I called ALL numbers provided on the site for assistance, and my loans are nowhere to be found and there is no history of me being a client/borrower by using both my social security number and my mom 's ( who originally it was under ), and both of our birth dates. 

I am extremely concerned that my loans are with another company accruing interest and penalties for late payments and i have received NO notifications from XXXX about this change or what to do. The last email I received from them was XX/XX/2017 when I requested a pin number for a password change. 

I'm not even sure if these loans are private or federal and if theyre from my XXXX XXXX University XXXX or my 1 year at XXXX University. Please help.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Complaint and Demand for Resolution Violations of FCRA and FDCPA To Whom It May Concern, I am writing regarding the attached letter from your office in which you falsely claim that the current owner is not reporting the account to the credit bureaus and will not report in the future. Contrary to your claim, my consumer report clearly shows the same alleged debt balance and lists LVNV Funding as the debt collector. This discrepancy demonstrates blatant violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Below are the specific violations of federal law that I believe your organization has committed : 1. 15 U.S.C. 1681s-2 : Responsibilities of furnishers of consumer reports Reporting inaccurate information to credit bureaus.

2. 15 U.S.C. 1692c : Communication in connection with debt collection Failure to communicate accurately and appropriately.

3. 15 U.S.C. 1692d : Harassment or abuse Your false claims and continued collection efforts have caused undue stress and harassment.

4. 15 U.S.C. 1692e : False or misleading representations Your letter contains false statements regarding reporting practices.

5. 15 U.S.C. 1692f : Unfair practices Misrepresenting your role and failing to adhere to proper debt collection procedures.

6. 15 U.S.C. 1692j : Furnishing deceptive forms Misleading information presented in your communication.

7. 15 U.S.C. 1692g : Validation of debts Failure to provide a valid contract with my signature or proof of the alleged debt as required.

The attached documentation clearly demonstrates your violations. Your actions have caused me significant emotional distress and financial hardship. I feel harassed, targeted, and discriminated against by your aggressive and dishonest practices.

I demand the following actions be taken immediately : 1. Cease all collection efforts related to the alleged debt. 
2. Remove the inaccurate information from all consumer reporting agencies to which you have furnished this account.

3. Pay {$7000.00} in accordance with civil liability for the violations outlined above ( {$1000.00} per violation ).

If these demands are not met within 15 days, I will have no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. Additionally, I will seek legal recourse to enforce my rights under the FCRA and FDCPA. 

Your disregard for your fiduciary duties and legal obligations as a debt collector is both unacceptable and harmful to consumers. I expect you to address this matter promptly and in good faith. 

Sincerely, XXXX XXXX Attachments : 1. Letter from Resurgent Capital Services/LVNV 2. Copy of my consumer report showing LVNV reporting the debt XXXX. Other supporting evidence
Product: Credit reporting or other personal consumer reports

Now that I have been able to access and review my credit report, I have noticed multiple inaccuracies and accounts that I do not recognize. These errors are negatively impacting my financial well-being and overall quality of life. Additionally, my personal information across all major credit bureaus has not been updated or corrected despite previous efforts to address these discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX  XXXX Date opened XX/XX/2021 Balance $ XXXXLate/Closed Late Dates XXXX
Product: Debt collection

I rented a home in XXXX Michigan and Landlord had XXXX XXXX already and had put this in my name without me knowing. I had paid the bill monthly with no issues. Equipment needed to be taken back and I was unaware of the bill being in my name it was included in my rent per my landlord. He told me that he would take care of everything when my lease was up and now I see this bill on my credit and in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometimes an issues just don't fit neatly into the boxes.  My student loan company reported something in error which I disputed and it was removed.  My credit score dropped to 500+ during this time from the mid/upper 600.  The error was removed in early XX/XX/XXXXso I figured once the credit score was updated in XX/XX/XXXX it would correct itself. I just checked the score after the XX/XX/XXXX update and it only increased 3 points. Why am I continuing to be punished for the error of the report which was promptly disputed and removed?  Why haven't the credit bureas fixed my credit score?  There's not even a way that I can dispute the score.
Product: Credit card or prepaid card

American Express offered a promotion for {$30.00} off of a {$30.00} or more purchase on XXXX purchase. The offer isn't valid for promotional offers or urls with the word promo ihe the address. My internet history shows I went to XXXX. I purchase {$55.00} worth of wine without a discount applied. I did not receive the American Express offer because they said in addition to the steps I followed the merchant needs to send a specific merchant name across to trigger the promotion. American Express will not give the credit due to a technical issue between American Express and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed accounts on my credit report that was inaccurate, and they have been removed. However, now they have reappeared back on my credit report as open and making payments on accounts that's has been paid in full and closed and removed.
Product: Credit reporting or other personal consumer reports

Nordstroms rack charged me for an item I never received and didnt do anything to remedy the situation and sent me to collection. The purchase took place XX/XX/2023 for an item in the amount of XXXX dollars which is unbelievably unreal and I was held liable for merchandise I never received.
Product: Credit reporting or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On my previous communication through Early Warning and Consumer Financial Protection Bureau my complaint was well outlined to provide all necessary information and I was clear of what I wanted. I do not believe it was comprehended as it should've for unknown reasosns. So, Here it is again ; The following accounts have been officially discharged under 11 U.S.C. 727, which protects me from any further obligations regarding these debts. Consequently, all related accounts must be updated to reflect a balance of zero or an account history of none, and the status of " XXXXXXXX XXXX XXXX '' should be reported to credit agencies. 

It is crucial that these updates are made to ensure compliance with bankruptcy discharge laws. If any accounts show a numeric due balance history, it could be interpreted as debt still owed by me, which I am protected against. Please ensure these updates are made. 

Any institution that fails to adhere to these regulations will be subject to legal action. This applies to all creditors involved, as well as to any credit reporting agencies that inaccurately report information contrary to the discharge. I expect this situation to be resolved promptly to avoid any further complications. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.