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

On XX/XX/XXXX i checked my XXXX score and noticed two hard inquirys i did not authorize nor did i try to open accounts. One is from XXXX XXXX XXXX in XXXX ma and the other is chase card. XXXX XXXX XXXX pulled my credit on XX/XX/2017. I have contacted both the owner and experian to get this removed. It has been a back and forth thing. When i asked the dealership to prove i authorized him to pull my credit he stated he does not keep records and applications that far back. Experian said i could not file a hard inquiry dispute with them and that the owner would have to send a letter to get it removed. I then called the owner back and he said he would not give a letter or talk to experian on my behalf. I then wrote a letter to the experian to investigate this hard inquiry. I called experian back and they said to contact the ftc and they can investigate because they arent authorized to investigate hard inquirys. I tried to call chase card but i could not get in contact. They pulled my credit on XX/XX/2017.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding inaccurate information being reported across my XXXX/Equifax/XXXX  XXXX XXXX XXXX which is negatively impacting my credit score. The inaccuracies involve accounts listed as closed or in a status that does not accurately reflect their actual condition and not reporting the same payment history across XXXX/Equifax/XXXX  XXXX 

After reviewing my credit reports from XXXX/Equifax/XXXX, I noticed the following inaccuracies : Account info Account name XXXX XXXX  Account XXXX Account type Installment Date opened XX/XX/2019 Balance {$1400.00} Account info Account name XXXX XXXX Account XXXX Account type Installment Date opened XX/XX/2019 Balance {$500.00} Status : Closed Both accounts are recording inconsistent payment history across all agencies These accounts are inaccurately reported and do not reflect the accurate standing or payment history of the accounts across all XXXX, Equifax, XXXX. While XXXX and Equifax reports different monthly payment history. XXXX reports no payment history at all. 

Violations of the Law : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Credit reporting agencies and furnishers of credit information are required to ensure that all information reported is accurate, complete, and verifiable ( Section 1681e ( b ) ). 
I have the right to dispute inaccurate information, and the reporting agencies and furnishers must conduct a reasonable investigation within 5 days. 
The inaccurate reporting of these accounts violates these provisions and has caused financial harm by lowering my credit score and affecting my ability to obtain credit on favorable terms. 

Actions Taken : I have already attempted to resolve this matter directly with the credit reporting agencies and the furnishers of the disputed information. However, the inaccuracies persist despite my efforts. Attached to this complaint are copies of : My credit reports highlighting the inaccurate accounts.
Product: Debt collection

Capital One sold a debt to XXXX XXXX that was not mine. This account was made fraudulently to my knowledge. I never opened an account with Capital One nor did I make any payments on any Capital One account with my bank account as they tried to claim. In XX/XX/2023 I requested statements to verify said account and I was informed by Capital One that they could no longer provide me with that information since the account was already sold to the debt collector. They began to garnish my checks at work in XX/XX/2023 regardless of my attempts to prove that the account was made through Identity Theft. It was a total of over XXXX that was ultimately collected by XXXX XXXX. The only information they gave me was that the address linked to the Capital One account was in XXXX, CA. I have never resided in XXXX, CA. I have resided and still reside in the same location for 23 years. I tried to explain that to them and let them know that I had been a victim of Identity Theft in the past. I am sending this complaint as a last resort to have this issue looked into as I am positive that I was not the Individual who opened an account with Capital One.
Product: Credit reporting or other personal consumer reports

I AM HAVING A TON OF ISSUES WITH A COMPANY CALLED : XXXX XXXX XXXX  XXXX. 
I HAVE AN INQUIRY ON MY CREDIT REPORT FROM THIS COMPANY. IT NEEDS TO BE DELETED/REMOVED FROM MY CREDIT PROFILE. NOBODY WANTS TO HELP ME. I HAVE TALKED TO TWO MANAGERS, NOT ONE OF THEM WAS HELPFUL. THE ONE NAME XXXX XXXX TOLD A BLATANT LIE. HER PHONE NUMBER XXXX SHE TOLD ME THAT THE ACCOUNT WAS AUTHORIZED WHEN I'VE BEEN TELLING THIS WOMAN FOR 2 CONSECUTIVE DAYS THAT I DID NOT DO THAT. ANOTHER ONE NAMED XXXX XXXX ( NOT SURE ABOUT SPELLING ) SHE IS THE WORST. HER PHONE NUMBER IS : XXXX XXXX AND SHE SHOULD NOT BE A MANAGER. 
BOTTOM LINE -- -- -- -- -- -- -- -- -I NEED HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The fair Credit be XXXX act XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 It also states A consumer reporting agency Can Not furnish A account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open Consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX keeps changing the first delinquency date on all three credit agencies keeping this old loan on all three credit files when they should have removed it. 

As you can see, XXXX reported a 1st delinquency date of XX/XX/XXXX, which is fraudulent, as the 1st Delinquency Date was XX/XX/XXXX. 



XXXX XXXX also committed a fraudulent act, after I paid off the vehicle, they attached additional fees, and the moment I paid them, they reported that money as a paid charge-off to all three credit agencies. 

I originally went into the local XXXX XXXX  XXXX, XXXX  on XXXX XXXX XXXX. Branch and paid off the balance in full on XX/XX/XXXX. As you can see they did not apply the full payment. I went back on XX/XX/XXXX and paid {$1.00} to cover the balance of {$.00} cents. 

Then after all that XXXX Bank would not send me my title, they added additional fees and had me pay another {$200.00} and some change, only then would they mail me my title, which I finally recieved at the end of XXXX, XXXX.
Product: Credit card

I am trying to build my credit so I applied and was approved for a SECURED credit card through Capital One XX/XX/XXXX. It required a {$50.00} DEPOSIT which I made. I used my card for purchases. Then I made my 1st payment of {$200.00} on XXXX/XXXX/2016. I had am available balance and made more purchases. Then on XXXX/XXXX/XXXX I made my 2nd pymt of {$190.00}. I should have an available balance once again. Both payments were made with my XXXX checking acct. Since XXXX/XXXX/XXXX, my card has been declined, my online Capital One acct has been restricted. I called Capital One today and received no resolution, I was just told that they needed to verify my XXXX account was indeed mine and that they could n't verify right now or provide with an expected resolution time of when it would be resolved because XXXX lines were busy. So from XX/XX/XXXX to present XX/XX/XXXX Capital One has my {$50.00} deposit and my {$190.00} payment, but I have NO ACCESS to my account, my available credit, or my deposit. 8 DAYS AND COUNTING HOLDING MY $ HOSTAGE!!!
Product: Debt collection

Quality Asset Recovery reported that owed three amounts {$980.00}, {$960.00} and {$940.00} for medical bills for XXXX XXXX XXXX service to the Credit Bureau that caused my credit score to drop. These bills have been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. when I reported fraud on my card in XX/XX/2019, HSBC still charge late pay fee. 
2. HSBC admitted the fraud on my account and credited back {$4700.00} on XX/XX/2019, but they rejected to correct the statement to credit bureau to change my credit score. and it passed 4 month and credit report still shows old debts : {$10000.00} debts not {$6200.00} 3. {$6200.00} is the transaction more than 90 days from the fraud report
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

My information was exposed in the date breach. Please remove all fraudulent accounts and inquiries within 4 days under section 605b of the Fair Credit Reporr Act ( FCRA ). 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint as the 3 major credit reporting agencies have not returned an acceptable response to my identity theft report disputing items that have been fraudulently reported to my personal credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I checked out my credit profile there was some inquiries listed that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give write nor verbal authorization to Regional Acceptance Corporation to review my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint regarding Experians refusal to remove closed accounts from my credit report, despite the company 's well-documented history of data breaches that have compromised sensitive personal and financial information. I believe their actionsor inactionviolate consumer rights under the Fair Credit Reporting Act ( FCRA ), as well as related federal protections. Despite my repeated efforts to request that closed accounts be removed from my credit report, Experian has failed to take the appropriate action. 
Closed accounts, particularly those that are outdated or irrelevant, should no longer impact creditworthiness under 15 U.S.C. 1681c ( a ), which requires consumer reporting agencies to ensure the accuracy and relevancy of reported information. Experian has been the subject of lawsuits for failing to protect consumer data. Specifically, in the [ 2017 ] data breach, millions of consumers personal and financial data were compromised due to Experians negligence. This breach raises significant concerns regarding the security and accuracy of their reporting practices. 
Allowing closed accounts to remain on a report increases the risk of identity theft or fraud, especially when Experian has proven incapable of safeguarding consumer information in the past.Under 15 U.S.C. 1681e ( b ), Experian is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports. Their refusal to remove closed accounts from my credit file contravenes this obligation.

As a consumer, I have the right to dispute inaccurate, outdated, or potentially harmful information under 15 U.S.C. 1681i, yet Experian has ignored my formal disputes and failed to provide adequate reasoning for retaining the closed accounts. Experian has not provided clear guidance or relief to consumers who may have been impacted by their data breach. This raises serious doubts about their ability to handle sensitive credit information responsibly and their compliance with federal consumer protection laws.
Product: Student loan

I am a XXXX Veteran, XXXX. XXXX. All my federal loans were forgiven with no problems, but this private loan through AES/NCT has been a nightmare that wo n't end! I have talked to someone many of their representatives I have lost count ... everyone of them all agree that what their company is doing to me is wrong! But I can never get in contact with anyone that can make any decisions, my original loan was for $ XXXX and have paid on it for about 10years and I still owe around $ XXXX+ on it. And I can no longer afford to pay for it, it is either food for my XXXX boys or this loan? So it 's not a hard decision for me to make but it 's just ridiculous that this company enjoys to profits off of me and XXXX others in a country that I defended for 10 years +, so they could continue that right .... but they ca n't even cut me a little slack ... it makes me sick that this can happen in the country I was proud to go and risk my life to defend! Please anyone help in anyway that you can, it has gotten bad enough I have resorted to begging .... a warrior brought to his knees by a corrupt corporation! Remember the companies are : American Education Service and National collegiate Trust!! Modern day extortionationates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : XXXX. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 

XXXX. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 

XXXX. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 

XXXX. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. 

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was involved in a data breach. Resulting in multiple inquiries from the same financial institution multiple times at different dates! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I'm in a payment plan of {$50.00} a month on file # XXXX held by Midland Credit Management. On XX/XX/2021 I logged onto their online location and followed their login procedure ( requires you to enter file number which is listed above ) and the XXXX proof 4 step process not to be sarcastic just to point out that you can't make 2 payments at once you have to go through the login procedure and 4 step process each time. On XX/XX/2021 I noticed they withdrew 2 payments of {$50.00} each. I immediately reached out to them and they claim they have no record of that file number ( by the way I just made my monthly payment minutes ago to that very file number ). I have contacted them several times now and they just give me the run around, both payments appear on my bank account as going per ETC.
Product: Money transfer, virtual currency, or money service

Constant miscommunication is taking place. All of this information has been reported internally to Bank of America for investigating, as well as reports filed against XXXX XXXX XXXX to the XXXX Police Department, FBI, XXXX Police Department, XXXX XXXX XXXX , & XXXX XXXX. 

One notarized Hold Harmless Letter was sent to Bank of America on XXXX directly from a XXXX  Banker as requested by Bank of America for {$3400.00} USD. Still to-date, Bank of America is responding to me directly from their Secure Messaging, stating that a Higher Up or VP at XXXX needs to sign off on my HH Letter. XXXX has also told me over the phone that I would need to forward my Hold Harmless Letter to Bank of America a second time, in which I've done so to their HH Mitigation Team, yet Bank of America is telling me that it needs to come directly from XXXX & that I was misinformed by XXXX. 

What's the status - has Bank of America received my first HH letter sent directly from XXXX for processing? A second attempt Hold Harmless Letter was also sent to BOA via BOA Secure Messaging. 

Has my Hold Harmless Letter been received & accepted to process the Swift Wire Recall from XXXX from their scammer account holder, XXXX XXXX XXXX, an impersonator at XXXX XXXX, who has stolen my {$3400.00} in a fraudulent job scam?
Product: Student loan

In this COVID-19 pandamic, my daughter 's & my ( co-signer ) financial situation has changed drastically. We are struggling to pay our mortgage and other bills. As a co-signer, I have repeatedly requested Sallie Mae to defer the student loans of my daughter as per CARES Act, but they continue to harras us with phone calls & collection letters etc. 
I am a substitute at a local school here and my hours are cut considerabily ( 15 hours a week ) due to virtual class room arragement. After the CARES Act went into effect in XX/XX/XXXX, Sallie Mae went into my checking account and illegally debited funds for XXXX & XXXX months with out my authorization. I previously set up a 3 payment plan in XX/XX/XXXX, they continued taking out funds after the three month period as well. 

My daughter & myself can not make payments on student loans till the end of this year XXXX. I need your help to contact Sallie Mae and direct them to stop harrassing us and put a forbearance plan through XX/XX/XXXX XXXX
Product: Debt collection

I initially began contacting the 3 Credit Bureaus about the 3 delinquent accounts listed on my credit report by Spring Oak Capital LLC. This process began in XX/XX/2024- XX/XX/2024. When I requested verification of debt none was sent from all XXXX Credit Bureaus. Over the months Spring Oak Capital LLC reported to all 3 bureaus. I began to feel like this company was a scam ; therefore, I wrote them a letter dated XX/XX/2024, requesting Validation OF DEBT made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I specifically asked for the following : 1 ) Agreement that SPRING OAK CAPITAL LLC has the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay SPRING OAK CAPITAL LLC . 3 ) Any insurance claims that have been made by any creditor regarding this account. 4 ) Any judgments obtained by any creditor regarding this account. 5 ) Name and address of alleged creditor. 6 ) Name on file of alleged debtor. 7 ) Alleged account number. 8 ) Address on file for alleged debtor. 9 ) Amount of alleged debt. 10 ) Date this alleged debt became payable. 11 ) Date of original charge off or delinquency. 12 ) Verification that this debt was assigned or sold to SPRING OAK CAPITAL LLC. 13 ) Complete accounting of alleged debt. 14 ) Commission for debt collectors if collection efforts are successful. I asked for all this information to rule out scam and/or potential fraud as I have never done business or promise to pay any company named Spring Oak Capital LLC . It has been nearly 60 days and Spring Oak Capital LLC has yet to verify the debt. None of the information I requested was sent. Spring Oak Capital LLC closed the account, yet they continue to report false and harmful information to my credit report. It is not right that this company I never done business with have the right to report false information on my credit report when I stated that all communication should stop if verification of debt was not received after 30 days from receiving the letter I sent to them. This is a huge violation of 15 USC 1692g Sec. 809 ( b ) of the FDCPA. This is my last remedy for this issue before a consult legal counsel about this matter.