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

XXXX has failed to fulfill its legal obligation under the XXXX XXXX Rights XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolves. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Student loan

We were going to pay off our student loan, but discovered the allocation of interest vs. principle was way off, very inconsistent. It seems we have already paid more interest in 7 years than we should have in the life of the 12.1 year loan. Some months they put  XXXX  to principle and our entire payment to interest. Even the statement shows we paid over 7K in principle, yet our balance has only gone down by 2K?
Product: Credit reporting

I have told Experian more than once that there is incorrect information regarding my credit report. There are addresses and numbers on my report that I have know knowledge of as well as debts that I have no knowledge of. Under the Fair Credit Reporting Act, it is Experians job to make sure all information is correct and reported accurately. Their refusal to send me their investigation information from their last investigation clearly states that they never even attempted an investigation and that is against the law. You have 25 days left to have your investigation in my mailbox and to have my lawyer say that your investigation is up to standard or I will file a lawsuit in court to remeve the fraudulent information and for damages you have done to my company and my ability to make a living. I am done playing your stupid and illegal games.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made arrangements through Credit Acceptance 's attorney to settle my account in full with a XXXX balance and the company refuses to report the information to the credit bureau accurately. 

Instead of reporting that the account is paid with a XXXX balance to all 3 bureaus. They only took off the XXXX settlement off the balance and continue to report that I am not making payments negatively effecting my credit score. 

I have emails from Credit Acceptance 's attorney as well as all other documentation that we agreed before payment was made. 

This has been an utter nightmare and I cant seem to get this 8 year old debt off of my credit report as well.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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

I have a CITI Bank Diamond Preferred Card. There are two different instances were I was charged a late fee that was not suppose to be charged and CITI reported both of them to the Credit Bureau. Which Negitavly effected my credit score. Dropping it from a XXXX to a XXXX. I have reached out to CITI multiple times and after waiting 2 weeks was just informed they would not remove them. Both instances were a mess up on their part not mine. The first in XX/XX/2016 and the wrong banking account was charged. They charged a bank that was no longer active. Failed to inform me until 2 weeks after the fact when they called and asked for my payment. Then XX/XX/2016 they charged the correct account, but did it the wrong way and the funds were returned. Causing yet another late payment and issue. I was never informed this would be reported to the credit bureau. It should not have been. Neither payment was more than 30 days late. I followed all the steps, corrected the problems as soon as I was notified about them and with no help from CITI. They claim everything was valid. All I want is for these XXXX mishaps to be removed from my credit report. I am trying to buy my first home and this is greatly hurting me.
Product: Debt collection

Care Credit Account # XXXX from XX/XX/16. Please note the original debt was for {$350.00}. I attempted to resolve with the creditor. However, I was told that they would not validate the current debt amount of {$970.00}. I am disputing the difference in amount. 

Creditor refused to validate the debt or provide proof of documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates I am disputing will be between XXXX XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We are trying to get in contact with the mortgage company but the company does not have a valid phone number anywhere and they are not able to work this out. We have shown multiple late payments on the credit report only from one bureau hurting our chances of better options in our refinance for a VA loan. We need this correct as soon as possible to be able to save on the interest rates that are available right now. We even received an affidavit from the military giving voluntary surrender of the property due to my health conditions which Oriental received and should not be reporting this information. Please see images attached.
Product: Credit card

Someone opened a U.S. Bank credit card in my name, fraudulently, at some time on XXXX/XXXX/2012, without my knowledge or consent. 

Equifax did delete this account, but it was reinserted for some unknown reason. I did not open this account and I do not know who did. I 've faxed a copy of the XXXX XXXX XXXX Police Department 's Police Report along with a notarized I.D . Theft Affidavit to the bureaus and have attached them here as well. After repeated requests, the bureaus & U.S. Bank refused to provide me with any information obtained from their investigation and with anything regarding their rationale for reinserting the credit item. I need the credit item being reported to the credit bureaus removed from my credit file immediately. 

I look forward to your response,
Product: Credit card or prepaid card

In XX/XX/XXXX, I received a bill statement for about $XXXX charged to my HHGREGG CARD that is finance through Synchrony Bank. I was alarmed and called the number in the bill statement to request information n about the charges because I have not done any purchases. The person I spoke with give me information she told me the charge was made for things for a baby’s room in the state of Georgia. I told her I did not recognized the charges nor that I live in Georgia so she suggested putting in a dispute. I also was afraid more charges could be made to my credit card so I requested to cancel it.  After I cancelled my CARD I was transfer to the fraud department to make a dispute report to start the investigation. Thereafter I waited for a response and I did not received feedback from them therefore, I assumed everything was resolved. In the begging of XX/XX/XXXX, I received a court order from a creditor that I need to pay $XXXX, which I am, assuming is the amount owed with any charges the account has accumulated. I immediately called the creditors (XXXX XXXX XXXX) to see how I could resolved the matter in the best way possible. They told me I need a Fraud or Identity Theft, a Police report and Fraud Affidavit. I did submitted the Identity Theft and Police report to XXXX XXXX XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying that they could not accept the documents I submitted because I did not have the details such as Credit card Number, amount of purchase and what was purchased. Since this happened in the beginning of either XX/XX/XXXX or XX/XX/XXXX, I canceled and destroyed the credit do to the fact that it was not something I purched I did not keep bill statements or other documents to provided them with that information. I called XXXX  on XX/XX/XXXX to let them know I did not have any details of the information they requested that if they could please provided or let me know what I could do. They answered that they could not help me because they were not allowed to share that information with me. They told me to contact HHGREGG (Synchrony Bank) to request that information. I did called Synchrony bank on XX/XX/XXXX, to request the details of the purchases such as, credit card number and any information requested by XXXX XXXX XXXX. When I called Synchrony Bank, they told me they could not help me either. To make matters mores they did not even had a record of my dispute report, which I had put in place in XX/XX/XXXX. The only thing that I could do was to write to them to request that information. I did write to them at a PO BOX given to me however, I have not received a response. I do need this information to resolve this matter because I have court order on XX/XX/XXXX.
Product: Checking or savings account

After ordering from XXXX they suspended my account. They sent me this info in an email that you can not reply back to. 
Routing : XXXX Business Account Name : XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Account Phone : XXXX EIN : XXXX The funds were taken from my business account and I never received any of the items I purchased. I called XXXX and they told me I had a negative remark on my drivers license from an account with UMB Bank. My drivers license is from the state of Kentucky and the number is XXXX. Upon hearing this I call UMB Bank because I have never had an account with them. They pull up all of the info and tell me they dont show anything. I want to know wh is lying and has fraud been committed against me?
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving phone calls, mail and email indicating that there were accounts opened in my name that held balances I ordered credit bureau reports in response. I have also been banking with XXXX XXXX XXXX XXXX  for more than five years with a good banking relationship and initiated a new savings account and was declined. The Bank Manager and I were alarmed so I also ordered a checking account report from XXXX and other reporting systems. I discovered that multiple accounts were opened and were in operation for some time. I have spent the last 18 months taking XXXX treatments and have had three surgeries and I do not use credit. My home was previously burglarized at my former address at XXXX XXXX XXXX XXXX XXXX MD XXXX and I suspect one of my tenants was responsible. I also suspect suspect that Mr. XXXX XXXX XXXX who lived in the basement of my current home at XXXX XXXX XXXX may be responsible as well. The following accounts were fraudulently opened : 1. XXXX XXXX XXXX  - XXXX 2. XXXX XXXX XXXX  - Uknown 3. XXXX XXXX XXXX ( partial ) 4. XXXX XXXX XXXX XXXX XXXX partial ) 5. XXXX  XXXX XXXX - XXXX 6. XXXX  XXXX XXXX - XXXX 7. XXXX  XXXX XXXX - XXXX 8. XXXX  XXXX XXXX XXXX 9. XXXX XXXX XXXX - Unknown 10. XXXX  XXXX XXXX XXXX Account XXXX ( partial ) 11. XXXX XXXX Chekcing Account XXXX ( partial ) The following are attempts to open bank accounts in my name : Fraudulent Banking Activity : The following were attempts to open accounts in Mr. XXXX name currently showing as inquries : 1. XXXX XXXX XX/XX/XXXX ; 2. XXXX XXXX XX/XX/XXXX ; 3. XXXX XXXX XXXX XX/XX/XXXX ; 4. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 5. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 6. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 7. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 8. XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 10. XXXX XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ; 11. XXXX XXXX XXXX  XX/XX/XXXX ; 12. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 13. XXXX , XXXX XXXX XX/XX/XXXX ; 14. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 15. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 16. XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX   XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX/XXXX  XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One- XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX I Had my Purse stolen in XX/XX/2017, and I also wasnt able to pay due to my daughter having a major operation, and also having my purse stolen. I offered to give them the police report, and my daughters papers from the and it is still showing up on my credit report as a Delinquent account for XXXX and XX/XX/2017. Which also made my credit score go down and shows a delinquent on my credit account.
Product: Vehicle loan or lease

I was contacted by someone ( XXXX ) claiming to be part of Ally services ( bank ) who was requesting my social security and name ; I do not have an account with Ally thus I was suspicious and hung up. I proceeded to reach out to Ally 's publicly advertised contact information to determine if an account had been opened fraudulently using my phone number ( please bear with me as I am writing to report for FBI and Federal Reserve as well ). Turns out I do not have any accounts with Ally as I suspected. 

However, in the process of reaching out to each of Ally 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I stumbled upon a feature of the automated phone system that revealed a lot of information freely. 

Specifically in the case of Ally 's Auto Loans the automated phone system does not provide a natural way to reach an agent as the system requests you to provide an account number or an XXXX. In order to move forward I provided XXXX as a XXXX XXXX so I could speak with a representative about my fraud fears. Without any further steps, the automated system started to rattle out information about XXXX accounts related to that XXXX. This feels like a breach of privacy and a personal risk as it seems that any actual XXXX could be used similarly by anyone calling this line. 

This is what my complaint revolves around. Please stop these fools from freely publishing people 's data without any barriers. 

Thank you Steps to replicate my findings : XXXX ) Call Ally 's XXXX XXXX XXXX XXXX [ XXXX : XXXX ] XXXX ) Provide mock number XXXX # XXXX ) confirm this number as an XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 1.5 years I have sent multiple certified letters to XXXX, XXXX, and Transunion requesting that they validate the inaccurate derogatory accounts on my account. However, every time the credit bureaus responded the accounts were validated, but the information listed on my credit report is inaccurate. This has caused me a great deal of stress and money. 

According to the Fair Credit Reporting Act ( FCRA ), If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from Citibank stating they reduced my credit line from {$8400.00} to to {$7800.00}. In XX/XX/XXXX Citibank made a decision to reduce my credit line from {$9400.00} to {$8400.00}. This credit card company reduced by credit line twice during the Covid Pandemic. I'm not in default with this company and have a good pay history with them going back 3 years. Every time they reduce my credit limit it hurts my credit score. I feel this business practice is very aggressive and in response to market conditions and not my ability to pay or my credit rating. I never requested a deferment during the pandemic, I continued to pay and pay ahead. This is unfair business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just pulled my report and saw a lot of errors. I saw some inquiries in my account that are not allowed under FCRA guidelines. I have tried contacting the bureau for validation but they chose to ignore my demands.
Product: Credit reporting or other personal consumer reports

Ive file several complaints with CFPB and disputed this account on several different attempts with both Experian and XXXX to get this issue resolved and this will be my LAST Attempt before taking matters to the courts. 

Experian and XXXX is in violation of my FCRA rights. Experian and XXXX are NOT verifying this account and flat out lie when they say they are. 

I have contacted the furnisher at the same address that Experian & XXXX both have listed on my report. I Also have WRITTEN DOCUMENTS from that furnisher stating that this account CANT be verified with them because they DO NOT Verify With ANY credit bureaus. So who are Experian and XXXX getting there information from if not the account furnisher?? 

Furthermore it is a violation of my FCRA 15 U.S. Code 1681b - Permissible purposes of con ( a ) In general Subject to subsection ( c ), any consume reporting agency may furnish a consumer under the following circumstances and no other 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes I never gave Experian or XXXX any written consent to report anything on my consumer report. 

Instead of DELETING the account when I originally disputed in XX/XX/year>. Experian and XXXX constantly state they will send results in mail and generate the same Verified As Accurate letter with NO written proof or procedures on how they verified. Which further lets me know its not being verified.

By law this account must be DELETED & I expect this to be done 5 days of receiving this complaint DO NOT send me a generic message! DO NOT tell me it was verified as accurate, without WRITTEN PROOF of where you got this information or my next step will be seek monetary damages in small claims courts!

Attachments : 1 ) My letter to the furnisher asking for proof 2 ) the furnisher written response that they do not verify 3 ) third party XXXX account deletion due to violation
Product: Vehicle loan or lease

TIDEWATER motor finance company said they were still working on my case but they repossed my car yesterday XX/XX/2022.
Product: Payday loan, title loan, personal loan, or advance loan

The payment wad made to Sezzle for the past due amount of XXXX dollars. It was paid on the end of XX/XX/XXXX. They are still showing my account past due with a balance that has already been paid. I want them to update my account to reflect the correct information. I also submitted a receipt that shown it was paid. I disputed it with all my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my equifax has had my information wrong and since the leak of my personal data, I've be disputing my address as well as my employer and it's extremely important that is is address asap and this is a last line of defense. It's not easy to disputing address and employer with equifax. 
My So be XXXX XXXX XXXX, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX. 
My Employer only XXXX XXXX XXXX and nothing else
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. XXXX XXXX XXXX Discover 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 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

I submitted this complaint to update this suspicious information. Equifax and XXXX Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX Balance Owed : {$15000.00}.
Product: Credit card

GOLDMAN SACHS APPLE CARD SAYS I OWE XXXX XXXX DOLLARS ON ACCOUNT THAT IS NOT MINE THEY USED MY NAME NUMBER AND EMAIL ADDRESS AND INFO DOES NOT MATCH THEY REFUSE TO CLEAR THE INFO AS ITS NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Writeup : 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, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case