23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

equifax and XXXX are not reporting the correct information about credit card usage, and failure to have done so causes my credit score to remain stagnant! I am trying to improve my credit and i need help from the reporting companies to make sure all information reported is correct. I recently opened a Credit Card account with XXXX XXXX XXXX XXXX XXXX  ' with a XXXX XXXX dollar credit limit. I have made a major payment and it does not reflect on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX Account number 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 A Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

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

I have repeatedly complained about the dates and status being incorrect with the bureaus on this sold and charged off account. Each time the bureaus update it with the dispute dates for the last reported and last payment dates of the disputes, it finally succeeded in lowering my scores by XXXX points with one of my creditors. They denied me credit based on the lower scores which weren't present when I ran my credit on the XXXX of each month. They only use XXXX and told me what lowered my scores. They said that XXXX was a new charge off and had lowered my score by XXXX points  based on the date reflected on the report they ran in early XX/XX/2023. I am tired of this being an issue and therefore am turning this over to the CFPB to do something about this. They're all breaking the laws. They send me so called proof that it's now reporting correctly, then when I run my reports it's still incorrect. So what is the real problem here? The bureaus are lying and sending out false information in order to satisfy a time line to respond to the CFPB, not to actually correct the information as I've requested several times. It's time to take action and do something about it if they can't get the information right! Instead of XXXX looking into it they send me repeated demands to identify myself! Not the first time I've complained on this venue but they use that as a tactic to NOT investigate errors made by their clients! I'm not accepting that and refuse to send them anything personal. I give them what they need here. If they don't like it then they need to be investigated for their refusal to honor disputes.
Product: Debt collection

I cancelled my service with XXXX after over 10 years, and they have the nerve to be billing me {$300.00} a bogus random number they've come up with. Now I see why people get Prepaid Cell Phone Service so these companies don't have access to their credit reports, and social security numbers. 

Now, they have so called outsourced the debt, and now another company, Convergent, is trying to bill me for the same debt again. The companies are really something. 

XXXX has shut down my access to the website, so I can't log in to see what my so-called charges are. I have returned all equipment to XXXX  through the XXXX store they requested and need some help getting these people to return my account to zero. I closed my account in good standing. 

I do not owe either of these companies any money.
Product: Debt collection

received a letter from Sunrise Credit Services , Inc. of a past due debt from creditor XXXX XXXX House. the amount due is {$51.00}. i contacted the collection agency above and agent explained that according to XXXX XXXX House, they sent a letter to me, and merchandise. i did not received any letter, nor any merchandise. the Sunrise Credit agent on the phone insisted that i owed this, and they are offering me a reduced amount to be paid? I told the agent on the phone that i did not received any letter from XXXX XXXX House, and any merchandise. and do not know of any amount of money that i owed. it not much of an amount to be paid, but i just got suspicious of where this transaction came in to being? and why is this collector is offering this at this time. And i do not recall having ordered any merchandise from XXXX XXXX House at the beginning of last year, 2015, according to the Sunrise Credit Services , Inc, agent i spoke to by phone. the account # under my name for this debt is, XXXX.
Product: Debt collection

XXXX XXXX XXXX has filed a civil lawsuit alleging I owe them XXXX. In the petition filed, the debt collector has stated that I have refused to pay the alleged amount and now seek the lawsuit to recover. 

This is completely false and I attach not only the petition filed by XXXX XXXX XXXX but my attempts to resolve and receive the information pertaining to the alleged debt by Comenity.

Due to my efforts exhausted I ask that CFPB conduct a review of XXXX XXXX XXXX action stemming from this alleged debt for violations. 

I believe that I requested throughly information that was not provided, yet this debt collector decided to file a lawsuit stating otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Product: Credit card

After checking my Sears Credit Card online statement in XXXX 2015, I noticed an unauthorized Balance Transfer Convenience Check transaction ( ck # XXXX ) that was posted to my account on XXXX/XXXX/2015 in the amount of {$400.00} and a {$16.00} balance transfer fee. I sent Sears Credit Card a letter stating that I never authorized the issuance of any type of balance transfer checks for my credit card account nor have I ever received any type of balance transfer checks in the mail. I requested that a dispute inquiry be opened since I was a victim of balance transfer check fraud. The bank sent me a copy of the balance transfer check image which was not made out in my handwriting or did it have my true signature, the signature on the check image was forged and completely different than my true signature. On XXXX XXXX, 2015, I sent Sears Credit Card a certified letter w/return receipt ( USPS Certified Label # XXXX XXXX XXXX XXXX XXXX XXXX ) stating that I was indeed a victim of balance transfer check fraud and requested that they open a formal dispute investigation. Since then I have not received any type of formal dispute investigation acknowledgement.
Product: Debt collection

On or around XXXX XX/XX/year> I got a notification that I had a collections on my account by YES ONLINE INC DBA DYNAMIC LEGAL RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have contacted the company several times by phone. Each time I get a third party call agency that says they will call me when they get in. They do not. I have left a totally of three messages. The third message the individual who answered the phone asked had I been stationed in XXXX. That when I realized it had been the XXXXXXXX XXXX XXXX called XXXX. The debt does not make sense because I received all my bills and lived in XXXX in the same home long after the supposed debt. I closed out all of my business prior to leaving. I disputed the collection. I was told that it was verified but how? No one contacted me or gave me information even though I left my name and number. This does seem accurate as well as the debt increasing as a collections.
Product: Credit card

When I was approved for the store credit card, I remember seeing a pop-up that I should be receiving a paper credit card in the mail. I've waited a couple of months expecting my card to arrive in the mail and so I contacted many representatives why I haven't received my credit card at all and I was told they would send a replacement in the mail again. I've never received a credit card at all. I get bills through the mail of how the minimum payment I have to make. I've been making phone payments ever since but I changed my phone number. I've tried to contact them again to update my information as my new number isn't in the system so it will not let me make payments. They ask me for the credit number which I don't have. Then I tell them I need update my phone number for my account because I don't have the old number. I tell them I can provide the account number but they refused to take the information that i can provide to verify that I'm the primary owner of the account. Multiple representatives lied to me saying they've updated my phone number in the system and I get a " suspected fraud '' on my account. My payment is due on the XXXX and I have no way of paying the bill because the representatives refused to update my account information and to pay my bill.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNT PURSUANT TO THE FCRA Dear Equifax Dispute Department, I am writing to formally demand the immediate deletion of a fraudulent account from my credit report. Despite providing you with substantial proof that this account was fraudulently opened in my name, you have refused to remove it, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Fraudulent Account Details : Creditor : XXXX XXXX - XXXX XXXX  Balance : {$12000.00} Status : Closed Reported On : Equifax ( Not on XXXX or XXXX ) Previously Submitted Evidence : I have already provided Equifax with : 1. FTC Identity Theft Affidavit 2. Police Report from the XXXX XXXX. Government-issued ID 4. Social Security Card 5. Utility Bill for Proof of Address Under FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is legally required to block this fraudulent information within four ( 4 ) business days upon receipt of an identity theft report. Your continued reporting of this fraudulent account constitutes willful noncompliance, exposing Equifax to civil liability under FCRA 616 and 617.

Specific FCRA Violations Committed by Equifax : 605B Failure to Block Fraudulent Information 611 Failure to Conduct a Proper Reinvestigation XXXX Reporting Inaccurate Information from XXXX XXXX  XXXX ( a ) ( XXXX ) ( B ) Possible Reinsertion Without Notification Immediate Action Required : 1. Delete this fraudulent account from my credit file immediately.

2. Provide me with an updated copy of my credit report reflecting the removal.

3. Explain in writing how this account was verified despite overwhelming proof of fraud.

If Equifax does not fully comply within 15 days, I will escalate this matter by : Filing a formal complaint with the CFPB, FTC, and my State Attorney General.

Initiating legal action for damages under FCRA 616 and 617.

Pursuing punitive damages for willful noncompliance.

This letter serves as formal notice under FCRA. Failure to act will result in swift legal escalation. 

Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I ask that you please review this complaint carefully, as it was not sent in error. I believe I have fallen victim to identity theft, as my report contains accounts, transactions, and items that are not mine. Ive repeatedly encountered this mixed-up information, and its causing me significant distress and XXXX. The potential consequences of this situation are deeply concerning, and I fear further harm if its not addressed quickly.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act 12 XXXX XXXX XXXX XXXX has violated my rights for the amount of {$770.00} also XXXX Bank XXXX has violated my rights for the amount of {$970.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX charged my account {$6.00} a month for a long time. I go to XXXX XXXX frequently and never noticed. After I finally started seeing a pattern, I called them to find out what the deal was. I had not authorized a monthly charge of any kind. They could not find a reason that I was being charged, but yet still refused to give me a refund. They would not take the charge off of my account and I was forced to change my credit card number. Then I tried to dispute it with Bank of America. They could only go back 1 year. They told me the total they could do was XXXX. This was last XX/XX/2022. They did credit me some of this money, but later charged me for it again. I believe at this point, I have only received XXXX credit. I just called them and still no resolution. After 6 months, I am tired of waiting. They have closed the dispute twice and I had to re-open. I want this resolved as 6 months is more than enough time to get it done. I am hoping you can help
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 NUMBER : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 these fraudulent accounts in my report and CREDIT BUREAU 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, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are 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 these accounts. 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Debt collection

In early XXXX I called XXXX because I wanted to close my account and unlock my and my husband 's phones so they could be used with our new carrier.

I spoke to several agents online, and they informed me that there was a {$480.00} balance that had to be paid first before they unlocked our phones. I paid the balance right then, as I was talking to them in an online chat, and they confirmed my account was now {$0.00} and that it would take 24 hours to unlock our phones and they would be unlocked and ready to use with a new SIM card the next day.

I SPECIFICALLY verified with them that both my and my husband 's phones would be unlocked and ready to go, and someone claiming to be a supervisor confirmed.

The next day, neither phone was unlocked, so I engaged with them again. This time they SPECIFICALLY confirmed that my account balance was {$0.00} and that my account was canceled. This was in chat, so they should have a transcript. They apologized profusely, and since I needed my phone for work, they this time successfully unlocked it.

The problem was that they did not unlock my husband 's phone, even though I specifically asked whether the account was closed for both phones and so I had to engage with them again. Their representative confirmed that everything should be XXXX XXXX and closed and was finally able to unlock my husband 's phone.

At no point did they inform me in any way that there may be an additional balance.

Then they started harassing me via email. Then they had a collection agency engage with me. I explained the situation and sent them a full write-up. A little while later, they sent me a letter claiming they examined the situation and determined that I still owed XXXX money. No transparency, no anything. I have no idea what they based this decision on. 

Then they started negatively impacting my otherwise stellar credit score, and when I filed a complaint, they claimed they sent the case back to XXXX . 

Now a company named RPM is basically blackmailing me. If I give them roughly {$160.00}, they will stop the harassment and the collection. I have already paid XXXX almost {$500.00} to stop their service, and I shouldnt have to pay a collection agency any extortion money.
Product: Student loan

Hi, I applied for public student loan forgiveness two years ago, the beginning of XXXX, and my loans were transferred to XXXX at that time. I have income-driven repayment, and have made all my payments on time in the correct amount, about 23 total I believe. XXXX is saying that I have only made 10 qualifying payments total, and that I won't be eligible for forgiveness until XX/XX/XXXX ( when it should be XXXX orXX/XX/XXXX since all my payments should be qualifying ). I have called to have it fixed, the rep did try and help and said he would submit it to have it fixed, however I never heard back and this was about a month ago. I have tried getting in contact with customer services in several other occasions since then, no luck. I need to have this corrected as I am worried that I will never be eligible for forgiveness if they continue on at this rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has several inquiries on my credit report that are on authorize or fraudulent and they are refusing to remove them And also a Discover card decreased my current credit limit from the incorrect information that they received from XXXX XXXX which I totally believe that is unfair. But then they turn right around and approve me for {$3000.00} credit card after they just decrease my credit limit because they said I had several inquiries and credit issues
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Product: Student loan

I have an 18 month payment plan with Navient, that is payroll deduction for {$190.00}. The payments come out on the XXXX and XXXX of every month. 
Somehow for the month of XXXX, my payment came out on the XXXX and the XXXX instead of the XXXX. Navient sent this to XXXX XXXX saying that I had missed a payment and it drop my credit score. Now, they received payment for the XX/XX/XXXX 10 days ahead, but they still sent this in on my credit. I have never missed a payment with them and I want them to clear this up with my credit. Out of all of the suits, they still can not get their stuff together. If you check my payment history with them I have never missed a payment or been late. And they will hassle the XXXX out of you. I called them today and you can never get a straight answer. This is another scar on Navient for the headache you have to go thru in order to make your payments. Even with all of the Lawsuits!! Help me to get this off my credit and we will start over again, until something else come up. 
Thanks!
Product: Credit card or prepaid card

I signed up with AAdvantage Citi Card executive because I was on an XXXX  Flight and the flight attendant said they had a great promotion going on and what caught my attention was 2 things, I would get access to admiral club and I would not have to pay the {$450.00} fee because I am in the military. So I signed up. Shortly after I still got charged and tried to fight it and gave all the supporting documents, but they said the flight attendant was wrong and they do not waive the fee. They said I have until XX/XX/2020 to change to a none fee credit card so I do not get charged again. What is even worse I could not even use the services I paid for because they shut down the clubs. I switched the cards as I was instructed and they charged me again another {$450.00}! A total of XXXX and I still can not use any of the services even though I did not agree to it. I already paid the {$450.00} once I will not pay it again.