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

There are inquiries on my credit report that I have not done it shows at a XXXX auto loan was filed in bankruptcy which was not it is in good standing has been closed paid in full I also have a credit card on there that I am disputing charges Recently that shows closed but is not. Also it shows with multiple accounts potential negative but file for bankruptcy in XX/XX/2016 and those accounts of been charged off with Experian is the only credit bureau that shows negative marks. It is hard for me to rebuild my credit and try to get loan for school or a credit card. The only account that I have is a auto loan for a XXXX which is in very good standing a credit card which Im disputing charges a cell phone and car insurance. Bankruptcy is a positive and negative with your credit and I feel that showing these negative marks due to my bankruptcy from 2016 is causing me not to be able to rebuild my credit and I feel with not having any debt I should be able to get a credit card or loan with a high interest rate to help me rebuild my credit and it is not applicable because of the report. I feel it should be fixed and not show negative. XXXX I feel is the best report for companies to use and my score should be higher, And probably would be if I did not have those marks or inquiries on my credit. I iust want good credit again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit Report this morning, and there are several inquiries that do not belong to me. Please remove these unauthorized inquiries from my report. 

EXPERIAN XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DBA XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry :  XXXX XXXX, XXXX XXXX XXXX DBA XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXX XXXXInquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Wayfair since XX/XX/XXXX. First I was unable to access my account or statements for over 2 months due to a system update they made that took their entire system down and it messed up customers account information, you could not access your account, schedule payments or make account changes. I have sent them several emails about my credit reporting because I have had no missed payments on my account and they have failed to update my payments and report an accurate balance since XX/XX/XXXX. I receive messages all the time when trying to log in online that they are experiencing technical difficulties. I have been told to update the credit reporting myself with the credit bureaus or that due to their system update they are unable to update the reporting and they apologize for the inconvience. 

COMENITYBANK/WAYFAIR Balance {$4700.00} Updated on XX/XX/XXXX Date opened XX/XX/XXXX PAYMENT HISTORY LEGEND On Time NA No Applicable Payment History - Data Unavailable Status Current Status updated XX/XX/XXXXXXXX XXXX
Product: Credit card

Subject : Unfair Credit Reporting and Failure to Consider Financial Hardship Company Names : Affirm & XXXX Financial Services Complaint Against Affirm : I submitted a goodwill adjustment request to Affirm, asking for the removal of a late payment that occurred due to an unforeseen medical hardship ( short-term XXXX  without pay ). Despite multiple attempts, Affirm has completely ignored my request and refuses to acknowledge my communication.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must report accurate and complete information. However, Affirm is refusing to consider extenuating circumstances and failing to provide clear responses, which is an unfair practice. I request that CFPB investigate XXXX  refusal to engage in fair credit reporting practices and require them to address my dispute.

Complaint Against XXXX : XXXX claims they are required by law to report late payments accurately, which is misleading. The FCRA does not require lenders to report negative informationonly that what they do report is accurate. My missed payment was due to a documented medical hardship ( short-term XXXX without pay ), and XXXX refuses to work with me despite my long-standing account history. 
Under FCRA 15 U.S.C. 1681s-2 ( b ), XXXX must conduct reasonable investigations of disputes, yet they refuse to accommodate or review my situation properly. Additionally, under Equal Credit Opportunity Act ( ECOA ) 701 ( a ) ( 1 ), creditors must not engage in unfair credit practices, which includes refusing to work with consumers experiencing legitimate financial hardship. 
Requested Resolution : I ask the CFPB to investigate both Affirm and XXXX for their unfair handling of hardship-based goodwill requests. Specifically, I request that : XXXXAffirm acknowledges my goodwill request and formally responds rather than ignoring it. 
XXXX removes the late payment from my credit report or provides a detailed explanation of why they refuse to do so, beyond a generic we must report accurately response. 
XXXXThe CFPB enforces its authority under the FCRA and XXXX to ensure fair credit reporting practices and prevent companies from penalizing consumers for documented financial hardships beyond their control. 
I have attached proof of my medical leave, goodwill letters sent to both companies, and my credit report showing the negative marks. 
Thank you for your time in reviewing this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX try to inform you that I am a victim of identity theft and I complain to question particular accounts in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXXXXXX  XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX  XXXX Balance : {$98.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$94.00}
Product: Credit card

XXXX XXXX card -- XXXX The XXXX to XXXX M.C.statement was all fraud charges. Numerous phone calls and letters were sent to Barclays detailing my identity and fraud claim. No phone calls or letters were received by me from Barclays over the past 5 months - although my new address and phone has been in each communication since XXXX. 
To make matters worse, Barclays has destroyed my credit by reporting to the credit agencies that I have not paid this fraudulent statement regardless of my claim. 

An identical problem is with my wife XXXX XXXX XXXX XXXX XXXX -- XXXX statement XXXX to XXXX with all fraud by the same thieves. Again, several letters and phone calls made with no response from Barclays. 
Barclays customer service is terrible!
Product: Credit reporting or other personal consumer reports

I simply wish for XXXX XXXX and Equifax to mail to me my free annual credit report.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : IN 2017 - Perhaps the payments were applied wrong or delayed a day or two, but not more than 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

15 USC 1681b Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

According to the FCRA you are in violation of my consumer rights. These accounts have been deleted from my account 3 times and now you are changing the account numbers. You had 5 days to send me a certified letter, saying these accounts was going back on my credit report. My card wasnt lost are stolen with XXXX XXXX. They changed the account number. Please send me a copy of the certified letter, with my name on it, with my address? I was unaware of these items would be placed back on my credit profile. I didnt have an opportunity to dispute the information. These accounts have been reinserted 3 times!!! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attorney General
Product: Credit card

I applied for Citi ThankYou preferred card for students. The application was online and being a non resident alien, i selected this option. The app went on and ran a credit check on my social. Later the application was denied. I called the reconsideration line and she told me that that the application i submitted was not for nonresident aliens. Why would they allow me to complete the application and run a credit inquiry and then after all that tell me that the application was not for me.
Product: Student loan

I noticed that my federal direct loans are listed as having a grace period from XX/XX/XXXX until XX/XX/XXXX. Since the maximum forbearance length is 3 years total, and I was not enrolled in school and I was not in default during that time, I would like to know if Nelnet possibly has inaccurate information on file for those loans which could affect my length of repayment towards Income Based Repayment ( IBR ). The code they are using for grace period is associated with a 6 month period of time between repayment statuses so it doesn't make sense at all that I was in forbearance for 6 years and 3 months. 

I emailed and spoke to a customer service representative at Nelnet, who said they " had never seen that before '' and that it " should '' be counted towards the 25 years of payments for loan forgiveness, however he could not confirm that this was the case after over 1.5 hours on the call. I am concerned that Nelnet mishandled my payment records and that I will potentially lose out on 75 months of qualifying payments towards my 25 year cap for student loans on IBR payments.
Product: Debt collection

The information is incorrect. I havent lived at the address thats on file over 2 years.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I notice that XXXX and Transunion are reporting credit inquiries on my report that I didn't authorized nor did I benefited from. I DID NOT authorize the companies to make any inquiries or view my report. 

I did not give you XXXX or Transunion permission to furnish this information to my report. This violation the Credit Report Act section 1681b ( c ) and constitutes as fraudulent activity and is also a serious breach of the privacy act of 1974. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 card or prepaid card

Capital One account had multiple charges that either didn't belong to me or where incorrect. This led to the account going over the limit. Capital One refused to fix multiple errors, then charged late fees, overdraft fees and refused to agree to a repayment plan or remove the additional charges I was being assigned in error. I then started working with a credit repair company, at Capital One 's insistence, made payments ( the credit company said the terms they quoted were what Capital One agreed to ) and repeatedly told the credit repair company that the modifications Capital One were requesting was authorized. In the meantime, even though I made the payments timely and at the level requested initially, Capital One marked my account 120 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquirie deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - Please remove it from my credit reportplease investigate the history reported on this account it is absolutely inaccurate please update the account as paid a agreed I have attached a copy of my report with the accounts in question HighlightedDelete account for failure to perform an investigation per fcra regulationDelete account for failure to perform an investigation per fcra regulation XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law 1 of 2 this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Credit Reporting - 15 U.S. Code 1681a Dear Sir/Madam, I am writing to dispute an inaccurate report made by XXXX XXXX to my consumer credit report on XX/XX/24, which resulted in a decrease in my credit score. As of XX/XX/24, I have not missed any payments or made any late payments. Despite my efforts to seek clarity on my account status, I have been unsuccessful in obtaining accurate information. 

I have made multiple attempts to contact XXXX XXXX to resolve this issue directly, including requesting to submit a dispute, but have been refused the opportunity to do so. Furthermore, despite my account reflecting a timely payment for XXXX, which was made by XX/XX/24 and posted on XX/XX/24, XXXX XXXX continues to insist that they did not receive the payment. 

Since XX/XX/24, I have spoken to several agents within multiple departments at XXXX XXXX, and each time I received conflicting information regarding my account status. Despite requesting to speak with managers, I have been unable to reach anyone who can provide resolution to this matter. 

I received an email from XXXX XXXX requesting payment for XXXX by XX/XX/24 to avoid negative credit reporting, which I complied with by making the payment before the deadline. However, despite my adherence to their request, my credit report has been inaccurately affected. 

I demand that XXXX XXXX rectify this error immediately to prevent further legal action. The inaccurate reporting is unjust and has the potential to severely impact my financial standing. I expect XXXX XXXX to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, by correcting my credit report without delay.

Please investigate this matter promptly and correct any inaccuracies found in accordance with the FCRA 's provisions, including 15 U.S. Code 1681i. Failure to do so will leave me no choice but to pursue legal action against XXXX XXXX. 

Thank you for your attention to this urgent matter. I anticipate a swift resolution to avoid any further escalation. 

Sincerely, XXXX XXXX XXXX : proof of payment history and proof of email correspondence from XXXX
Product: Student loan

Originally received a loan from Navient for {$18000.00} in XX/XX/XXXX. I started making payments on XX/XX/XXXX. Since then, my parents and I have made 97 payments, resulting in {$25000.00}. Of that amount, only {$1800.00} has been applied to the principal of the loan. My current balance is {$23000.00}. Myself and my parents have tried dozens of times to rectify this, attempt an alternative plan and try to understand why this has been happening and we get no clear answer. I know there is an active lawsuit against Navient for this exact thing and Im one of thousands this has happened to. My father tried to give Navient a one day payoff amount of half the loan value and was told no. We also tried to seek assistance of some kind years ago and was told since my account was current, they couldnt help and Id have to default for 120 days to qualify. Doing so, devastated my credit and my fathers as he is a co-borrower. Then, we called and tried to get assistance and only could do forbearance which accumulates interest and requires a {$50.00} payment. Its absurd. Furthermore, I had to drop out in XX/XX/XXXX due to a XXXX  XXXX I sustained and my college refunded {$11000.00} to Navient and it didnt make a dent in the balance! Weve overpaid by {$7200.00} and this last month I missed 1 payment and Navient reported it and dropped my credit score again 100pts and my fathers by 107. This loan has been paid off AND THEN SOME but still I somehow owe more than Ive borrowed. Navient will not budge, nor do they care about this deceitful action and they will continue to do so until the government shuts them down or crushes them with a lawsuit, resulting in millions of dollars of refunds for students. Please help in any way you can. I have full records of every payment down to the XXXX and how and when it was applied to my loan.
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. 

US DEPT ED # XXXX, Date Opened : XX/XX/2016, has violated my rights. Reported Twice! Wrong! 
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. 

US DEPT ED # XXXX, Date Opened : XX/XX/2016, has violated my rights. Reported Twice! Wrong! 
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

An old XXXX XXXX account was sold to a collection agency. i settled the debt with the collection agency on behalf of XXXX XXXX. They refuse to update the account to reflect as paid and closed. They are still reporting that I owe money on the account when I do not. i paid them on XX/XX/2020 and I would like my information to be updated with XXXX.
Product: Credit card or prepaid card

I paid off an account with Comenity - XXXX on XX/XX/XXXX. The due date for the payment was XX/XX/XXXX. Have checked with my bank, XXXX XXXX and the money left my account on XX/XX/XXXX as ordered. Two weeks later I received a late fee notice from Comenity Bank saying the payment was late. I called at that time and spoke with a representative who treated me rudely, telling me it was my problem and refusing to help settle the matter. I made no further payments and have been receiving bills each month since then with an ever increasing amount for late fees and interest. My credit rating has bottomed out due to this. I have called Comenity several times since then and received calls from them about this but there has been no effort on their part to take care of the problem. I called the XXXX XXXX XXXX about this and they advised me to call you and report it. 


The site is asking me to attach a file. I don't have any files to attach even if I knew how to do it. I am XXXX years of age and have XXXX  XXXX XXXX and not exactly computer literate enough to figure this out.