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

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Product: Debt collection

Disputed with the company on XX/XX/2018, company received my dispute 0n XX/XX/2018 according to the certified mail.It is now XX/XX/2018 and I have yet to hear from the company.The FCRA gives the company 30 days to respond, I have not gotten a response.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Equifax, XXXX, and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of acoounts/inquiries that are still reporting on my Credit Reports : Inaccurate Names : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Accounts : XXXX XXXX XXXX XXXX, XXXX  SELFREPORTED XXXX XXXX, XXXX SELFREPORTED XXXX *******, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX******************* ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, EQUIFAX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry XXXX, XXXX Inquiry Date XX/XX/XXXX and EQUIFAX XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have a collection from Asset on my credit from XXXX XXXX that sold this to a few a few companies.. This account does not belong to me and they do not send me proof or a copy of the signed document that I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Personal Information CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Citi bank credit card was applied for on XX/XX/year>. I did apply for this card it popped up on my credit report so I call the company.
Product: Credit reporting or other personal consumer reports

XXXX has committed Aggravated Identity Theft pursuant to 18 USC 1028 A. XXXXXXXX XXXX has transferred account # XXXX to XXXX XXXX a means of identification of me without lawful authority. An identification of me has been used without my permission that has damage my reputation and my mode of living. XXXX are reporting an fraudulent account that arose from IDENTITY THEFT to the Credit Reporting Agencies which they did not verify as required by law on my consumer report. XXXX received Certified Mail Receipt of the Identity Theft Report on XX/XX/year> and Transunion received Certified Mail Receipt the Identity Theft Report on XX/XX/year>.
Product: Debt collection

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Student loan

I have been enrolled in the PSLF program. As of XX/XX/2020, I made 120 qualifying payments. I have written confirmation from Fed Loan Serving indicating that ( see attached letter ). I submitted my application for loan forgiveness on XX/XX/2020. I was told it would take up to 90 days to process my application. The 90 days has already passed. When I emailed to inquire about the status, they now tell me it will take AT LEAST 90 days. Once Fed Loan Servicing completes their part, they send my paperwork to Federal Student Aid for additional review. This review will take up to 180 days to be completed. 

I am not sure I understand the delay. If I already have written confirmation that I have made 120 qualifying payments what could possibly take 270 days? Meanwhile, my credit report continues to show a $ XXXX  monthly obligation which is affecting my overall credit worthiness. 

It is frustrating that I have satisfied the requirements of PSLF and yet seem to be getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 




XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family quit removing the stuff XXXX  no one asked you to remove stick to the request nothing more!!!
Product: Credit reporting 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. 

I told the XXXX, Transunion, and XXXX to investigate this account below : XXXX Account XXXX XXXXXXXX I don't have the full account number because this is all the credit bureaus are showing. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

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. 

XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX U.S.C. 1681 section 602 A 15 U.S.C. 1681 section 604 A section 2 15 U.S.C.1681 1681c ( a ) ( 5 ) 15 U.S.C. 1681s -2 ( A ) ( 1 ) they have violated several of my right with no regard of congress making these laws
Product: Credit reporting or other personal consumer reports

Issue : ** Despite clear evidence of violations provided, Experian has chosen not to remove the debt, even though there have been no changes to report. **Experian Violations : ** 1. **Failure to Provide Comprehensive Verification ( Code : XXXX ) : ** Experian failed to conduct a reasonable reinvestigation within the mandated timeframe, as evidenced by inadequate documentation from XXXX  XXXX XXXX . This violates FCRA Section 611 ( a ) ( 1 ) ( A ) and the corresponding Metro 2 standard, Field 76. 2. **Delay in Responding ( Code : XXXX ) : ** Experian did not respond within a reasonable period despite my letter dated XX/XX/2024, violating FCRA Section 611 ( a ) ( 1 ) ( A ) and the Metro 2 standard, Field 79. **XXXX  XXXX XXXX Violations : ** 1. **Failure to Provide Comprehensive Verification ( Code : XXXX ) : ** XXXX XXXX XXXX  's documentation inadequately ties the debt to me, violating FCRA Section 611 ( a ) ( 1 ) ( B ) and Metro 2 standard , Field 76. 2. **Neglecting to Address Dispute ( Code : XXXX ) : ** XXXX XXXX XXXX  failed to promptly investigate and address my dispute, breaching FCRA Section 611 ( a ) ( 2 ) and the corresponding Metro 2 standard . 3. **Shifting Burden of Proof to Consumer ( Code : XXXX ) : ** XXXX XXXX XXXX inappropriately shifted the burden of proof to me, violating FCRA Section 611 ( a ) ( 6 ) and its Metro 2 counterpart .
Product: Student loan

XX/XX/2022 : Called EdFinancial to reimburse the payments I made during the freeze period and reinstate my loans. Was told that the process is initiated. No time frame for the completion is given. 

XX/XX/2022 : Called EdFinancial again to make sure that the process went through. Because the balance of the loans has not been updated. The company gives NO ways to check or confirm the processing of the request. There is no transparency about the process and the only way to find out is to call and potentially wait through a long waitlist. 

XX/XX/2022 : Almost two weeks later there is no changes in my balance. After personal research I found out that many others have a similar issue to mine and some people wait very long for the loans to be reinstated. Other companies fulfill this type of request within a week. Submitting a complaint.
Product: Debt collection

I took a car coverage policy out with XXXX. Then I've seen a charge on my account for accompanied by the name of line did not know who line 5 I was doing business with XXXX I called XXXX and cancel the policy. But line 5, keep saying.I owe them money as far as I know.The policy is canceled and the two payments that were collected were paid on time
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an XXXX XXXX account card two months ago yet all three credit reporting companies are showing it opened as XX/XX/XXXX, for starters! In addition, it shows that I have a balance of {$620.00} for over a month, ANOTHER LIE!!! I have had a balance of {$2.00} for over a month and paid that off on XX/XX/2021!! I have told XXXX XXXX on four different occasions to 4 different people that I want to CANCEL MY CARD!! I hate XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts thar are reporting incorrectly. 

These following accounts are being reported as opened on a charge-off. My score dropped over 100 points because XXXX is reporting a charge-off as open and not closed. Also, the last active dates are current dates and that is not correct. 

XXXX XXXX XXXX XXXX This account is not even mine. I have been trying to get proof of signature and proof that this is my account on TransUnion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL reporting open
Product: Credit card or prepaid card

My account was just unlocked by XXXX last week and then a few days later reliacard actually locked my card. Im not sure why. There was no explanation on why they just did it.
Product: Credit card

XXXX XXXX, 2015Walmart/Synchrony BankXXXX, GA XXXXRe : Credit Card ending in XXXXTo Whom It May Concern : This letter is in reference to an account held with your financial institution that has become delinquent due to financial distress and external factors. 

The purpose of this communication is to provide you, the creditor, with some insight as to the reasons why my account has been late. During the latter part of XXXX I became unemployed due to non-renewal of contract. Thus, my sources of reliable income diminished. Ultimately, this situation impacted my ability to pay my bills on time. 
As you review my payment records, you could certainly verify that I have tried to maintain a consistent payment history. It is very hard to work, be a student and a head of household of XXXX. 

Thinking about ways to solve my issues, I applied for unemployment benefits. Attached you will find a letter from the Virginia Department of Labor describing my ineligibility for benefits due to tax exemption regulation ( employer ). Obviously, this is something that I was unaware which indirectly affected my opportunities of solvency. Hence, the only source of relief had overtly disappeared. 

I tried to communicate with your institution via email, however this method was not accessible to me ( account had been locked/closed ). I am enclosing a payment for the current month. Perhaps there might be other alternatives to maintain a good standing with your financial institution. My ultimate desire is to get this matter resolved. I know my credit has been hurt by these situations. I hope we can make reasonable arrangements, for instance : remove all finance fees and late fees in order to move forward. 

Lastly, I would like to thank you for your time and attention. I look forward to your response. 

Regards, XXXX XXXXCc : File
Product: Payday loan, title loan, or personal loan

My cousin required bail money so I applied for a loan, I got approved for {$900.00} dollar loan on XX/XX/18. According to my payment schedule I was going to end up paying back XXXX XXXX dollars. 

I called to the company to make payment of XXXX dollars back on XX/XX/18, I asked for my balance after the payment, they said it was XXXX ... I said why if the loan was only XXXX dollars and there shouldn't be much of an interest. 

I received a new payment schedule and its broken down over a 5 month period. After calculating the new installment plan its not XXXX dollars that I will be paying back, but {$950.00} This company loan sharks consumers ... my interest rate per year was going to be 743.2627 % and they make it difficult to actually payoff the amount. When I talked to a representative I asked them questions and they lied and mislead in order for them to sell me the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Accounts # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 card

For years I had a Bank of American credit card ( opened XXXX 2008 ), I used the card and made the payments, my payments had been on time for years. I typically had a balance on the card. I would pay it down to a couple of hundreds dollars then use it again, pay it down, etc. Then I paid the card to a zero balance and immediately Bank of America cancelled the card. It was like they had a computer program that they could set that said if this card pays to zero cancel it. So in effect they were ok with me as long as I carried a balance and not ok once the cared was paid to zero. Yes like a lot of people I have had financial issues but they have improve considerably over the last few years. So when my credit was at the worst BOA was ok with me having their credit card, when I was able to pay them off and my credit was better my reward was to be cancelled. I think BOA has a history of this action for a lot of consumers and it is fundamentally unfair. Would be interesting to know how many times they have cancelled a consumer 's credit card at the point it was paid to zero
Product: Debt collection

I HAVE NEVER LIVED AT ANY ADRESS IN XXXX SOUTH CAROLINA. THIS IS A FALSE DEBT THAT SHOULD NOT BE ON MY CREDIT I HAVE LIVED IN XXXX SOUTH CAROLINA FOR OVER XXXX years. This debt is a result of fraudulent activities. Ive disputed this debt multiple times and this company keeps reporting this debt to credit agencies. This is a false debt. I never talked to duke energy nor signed any documents to allow them to put any type of utility in my name. If there are any document they are fraudulent documents not signed by me. Please remove this from my credit. I HAVE NEVER CONTACTED XXXX FOR ANY SERVICES MY PROVIDER IS XXXX XXXX IN XXXX SOUTH CAROLINA
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenty Bank/XXXX was included in my husband 's bankruptcy case. A discharge was ordered. I have reached out to the company in attempt to have them correct my credit report. I 've written several letters requesting Comenty Bank to correct the negative remarks on the credit bureaus and close out the case as it was discharged. Comenty Bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. Comenty Bank has my credit bureau noted as a charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with Comenty Bank I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided. It is very suspicious also in their reporting. Comenty Bank started reporting me late in XX/XX/XXXX ( almost a year after the bankruptcy discharge ) then continued to report late every month until XXXX - XX/XX/XXXX Then bank late from XX/XX/XXXXXXXX to present. During the months where they report current in XXXX, there was no communication with Comenty Bank. Why would they report current for some 5 months and then late again. No written communication from Comenty bank has been received since the discharge. My attorney stated that Comenty Bank was subject to Louisiana Civil Code 3494, action on open accounts ( credit cards ) are subject a 3 yr liberative prescription period. The notation of current payments would break the 3 year period for them to continue to misreport to the credit bureau. It is my belief Comenty has misrepresented information in my credit bureau intentionally. Not to mention their breach of adhering to bankruptcy laws in a community property state. In the state of Louisiana, if only one spouse files for protection the non-filing spouse will also benefit by the bankruptcy since the discharge of debts includes community claims and prohibits creditors from proceeding against community property acquired post - petition, even as against non debtor spouse. 11 U.S.C. 524 ( a ) ( 3 ). Copies of the letters mailed along with discharge papers will be attached. I have disputed the information in all 3 credit bureaus. The bureaus indicate the information is reported correctly-consumer disputes.
Product: Credit reporting or other personal consumer reports

I was shocked to see incorrect accounts suddenly appear on my credit report this morning, and I have no idea how they got there. I check my report regularly, but this time, there were discrepancies that came out of nowhere. I tried refreshing my browser, thinking it might be a glitch, but unfortunately, the errors stayed. Now, Im left hoping that the documents Ive sent will be reviewed carefully, so I can stop worrying about this for good.