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

I am composing this grievance once more. Even when I disputed the fake accounts with your organization last month XX/XX/year>, there are still several that shouldn't be on my credit report.
Product: Credit reporting or other personal consumer reports

Transunion failed to remove outdated information for XXXX and credit collection account for XXXXXXXX XXXX that account is not mine.
Product: Debt collection

I was contacted by Evergreen Professional Recoveries two days in a row while I was at work. The first call was on Wednesday XX/XX/XXXX and the second phone call was on XX/XX/XXXX. On the XXXX they call my work phone which was not given to them and left a message with one of my co-workers.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting of Closed Account by Capital XXXX Dear Sir/Madam, I am writing to file a formal complaint against Capital XXXX for incorrect reporting of a closed account. I have reviewed my credit report and discovered that XXXX XXXX is reporting an inaccurate balance and late payment history for an account that has been charged off. Specifically, the account is being reported as having a balance and showing XXXX and XXXX  days late, even though under the Fair Credit Reporting Act ( FCRA ) Section 1681, a charged-off account should not be reporting a balance or late payment statuses. 

Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXX ( partial number for privacy ) Account Type : Charged-Off Account Reported Issues : The account continues to show a balance despite being charged off. 
It reports late payment statuses ( XXXX  days, XXXX  days ) on a charged-off account, which is in violation of FCRA regulations. 
Under the provisions of the FCRA, once an account is charged off, it should no longer show a balance or any late payment indicators. I believe that XXXX XXXX is in violation of this rule, and as a result, this is impacting my credit report inaccurately. 

I kindly request the Consumer Financial Protection Bureau to investigate this issue and ensure that XXXX XXXX corrects this error by removing the balance and late payment reporting from the charged-off account as required by law. 

Please let me know if further information is needed from my side to assist in resolving this issue. I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

This company contacted my sister stating my account was past due. Gave payment history and information to her. The CSR called her a couple times giving her this information. I contact local office asking for DM OR RM to call me nothing back for 2 weeks. Called their corporate cs number. Finally got to talk to a rep who said she will have someone call me back. But could not understand by looking at my account why the rep in the store would have called anyways. I do have a video of that audio voicemail the rep left my sister discussing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint filed with CFPB due to unable to dispute but now Experian has flagged my account as high risk. I called to speak to a representative to ask why I am able to log into my account online and able to see my credit report but when I try to dispute theres an issue. The Representative stated that my account was flagged due to high risk for having a company or live by a business which doesnt make any sense. I asked why does that happen? Per Representative thats due to a change of address. I havent change my address. Theres been no changes at all to my credit. Im only trying to dispute one Merchant that told CFPB that its been resolved but no action taken on my credit. I asked for a Supervisor but they would not allow me to speak to one. They said they will call back. I received one voicemail on Sunday XX/XX/22 at XXXX but this person did not state what company they are with. So Experian management team or any team member never called. I called Experian beginning of XXXX. Ive provided the required documents on XX/XX/22 to the website provided for uploading documents. Each time they receive several proof of address but my DL license & passport they can only see what type of document but cant see any other information which is strange. Ive provided pdf files and other ways of uploading the document numerous times but each time its the same document that can see which is my Driver license & passport. This is a clear indication that Experian is doing this on purpose and I feel this is retaliation due to the complaints filed on Experian. If theres a issue with my identity or anything that will cause a high risk alert, how am I able to log into my account to get see all my information but not able to dispute? I have credit monitoring with a another company that monitors and they report to me any activity on my account even when my email address other information was found on the dark web years ago but my account wasnt flagged. When companies have sent letters notifying me that there was a breach. Experian didnt flagged flagged my account. My account wasnt flagged until last month and there was no reason for that to happen. There was no notification sent to me that my account was flag my mail or email.
Product: Bank account or service

I signed up for a Citigold checking account in XXXX 2015. Included in this checking account was a sign-up offer for XXXX XXXX XXXX miles. I met all of the requirements for this offer within the required time period, and had this confirmed with a CSR. I was told that the miles would be given to me in XXXX. I contacted Citi multiple times due to the fact that the miles were never given to me. Every time, I was told an investigation would be opened and that I would be contacted within 2-3 business days. Every time, I was never contacted and the miles still have not been deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law
Product: Credit reporting or other personal consumer reports

To Whom It May Concern My XXXX credit card history has not updated on my consumer credit report since XX/XX/XXXX On my billing cycle for XXXX I had a new balance of {$3800.00} the payment was due by XX/XX/XXXX I paid the balance in full on XX/XX/XXXX from my personal bank account ending in XXXX. 

My account number thats on my billing statement and the balance latter is XXXX but the account number thats being reported to EQUIFAX, XXXX XXXX XXXX is XXXX XXXX XXXX XXXX has been reporting this inaccurate account number to EQUIFAX, XXXX & XXXX since XX/XX/XXXX. 

My credit score has been negatively impacted due to the inaccurate reporting for the past two years. 

Please ( UPDATED ) the correct account number XXXX to EQUIFAX, XXXX XXXX XXXX immediately to a XXXX balance!!! 

Also my credit card statement from XXXX has a new balance of $ XXXX I have reached out to XXXX credit card support team on several occasions for balance letters while inquiring when the credit card XXXX balance will update not knowing XXXX has been reporting the incorrect account information on my consumer credit report. It has already been 2 full months and 2 week since XXXX last update to my consumer, credit report which includes XXXX, Equifax, and XXXX. 

Ive notified XXXX support services XXXX, Equifax, XXXX through a certified letters with tracking to support my claim. 

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U. S. C. 1681s-2 et seq., including but not limited to : Accuracy and fairness of credit reporting according to 15 U. S. C. 1681 Section 602 ( a ) Reporting information with actual knowledge of errors : 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. 

Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency. 

( i ) If the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( XXXX ) Duty to correct and update information : XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies * Accurate Account Number # XXXX Thats on my statements each month for the past 2 years. 

* Inaccurate Account Number # XXXX thats reporting on my consumer report for the past 2 years. 

Thank You, XXXX XXXX XXXX
Product: Consumer Loan

I made a payment for my auto loan on XXXX XXXX according to my normal payment schedule. I was involved in an auto accident on XXXX XXXX and my car was deemed a total loss. A claim was filed with my car insurance company that same night and I was contact by a claims representative a few days later to conference call with Chase Auto Finance to obtain payoff information. My insurance company XXXX paid their portion of the loan ( {$6000.00} ) in a check dated XXXX which posted to my account on XXXX XXXX. My GAP insurance carrier paid their portion of the outstanding balance ( {$1800.00} ) in a check dated XXXX which posted to my account on XXXX XXXX. I then received a notice in the mail stating that Chase had submitted negative information to my and my wife 's credit bureaus. So I contacted Chase on XXXX to find out what had happened and was told that my account was over 60 days past due for a balance of {$14.00}. I had received no correspondence from Chase of any remaining balance due on my account as the proceeds from my auto insurance and GAP insurance should have covered the entire outstanding balance. However due to delays in submission of the paperwork by Chase to XXXX including the Letter of Guarantee ( XXXX needed to ask for this to be sent at least 3 times before they could have a check issued ) additional interest/fees had accrued so this was not the case.
Product: Credit reporting or other personal consumer reports

I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. I demand the following accounts be verified or removed immediately. 

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 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

- XX/XX/2018, I received word from my bank that they needed to check my credit report through Experian in order to move forward on a loan. I went online to Experian and temporarily removed the freeze on my credit report and my husband 's report that day. I received email confirmation that both reports had been unfrozen. -XX/XX/XXXX, I received word that the bank was able to get my husbands report, but not mine. I again went online to Experian and removed the freeze on my credit and again received email confirmation. The bank continued to be unable to access the report, so I called Experian where I was put on hold for 45 minutes. The first representative I spoke to again put me on hold. 30 minutes later the second representative answered. Despite explaining that the bank was unable to access my info the representative insisted that the freeze was temporarily removed. The bank again checked, and they were not able to access the account. I called Experian for the 3rd time and the representative then told me my account was going through " report maintenance '' and being " updated ''? and that they would be able to finish updating in 24 hours. I asked to speak to a supervisor and was told " he was in a meeting and would call me back '' I have not yet heard back from the supervisor.

-The representative also confirmed my concerns that when one has multiple checks on credit, your credit can then be negatively affected! There have been multiple checks because EXPERIAN HAS FAILED TO DO THEIR JOB ... this is not my fault, nor the bank 's. 
-The problem with all of this is that the bank needs the info by XX/XX/XXXX! I don't understand why my information, that I unfroze isn't immediately available to the bank. Because of Experian 's inability to provide MY information, I may be losing a loan on the dream home I'm ready to buy! Experian 's incredibly poor customer service now has affected my credit, my ability to purchase a home.
Product: Credit reporting

I notified Clarity Services, Inc., FEI/EIN Number XXXX about my credit being pulled over 10 times with no response. I emailed them a disclosure form to release information to me only to receive a consumer credit report with no explanation of why or who they pulled my credit for. I have only authorized one company to pull my credit and that is XXXX XXXX to which I received a credit card. i have not authorized Clarity Services to ever pull my credit or anyone else other than XXXX XXXX. 

I have continued to contact and leave my information with Clarity Services only to be ignored. This company was fined XXXX dollars for this type of behavior and it seems they are continuing to act in an illegal manner by pulling my credit report.
Product: Debt collection

I recently tried to sell the home I own at XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, and during the sale, I was informed that Cavalry SPV1, LLC had a lien secured against the property for a credit card my ex-wife failed to pay. As a result, I have reach out to Cavalry SPV 1, LLC over 5 times in an attempt to obtain the payoff of this lien that is need to ensure the transfer of this property occurs and the lien is paid off, however, Cavalry SPV1 LLC refuses to provide the payoff need and continues to accural interest because they will not provide me with the information need to payoff and get the lien removed from my property.
Product: Student loan

The federal student loan negatively impacted my credit score. Repayment for student loans do not start until XXXXXXXX XXXX XXXX, and they reported it to the credit bureau causing my score to drop by XXXX points
Product: Bank account or service

Citizens Bank continues to charge overdraft fees to my account and yet their balance does not reflect my being in the negative on my account ... I am aware that I have overdrafts before and i have paid those up ... but it seems now every time I make a deposit now I am getting charged these fees like they have somehow flagged my account as " get this XXXX '' ... .when you speak to them they give some Mumbo jumbo about how the bank statement does not reflect the deposits and negative balance always ... .so wait you mean to tell me they as a bank ca n't even keep track properly
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified and inaccurate information on my credit report. I would like this information removed immediately.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Closed Accounts : 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

In accordance with the Fair Credit Reporting act XXXX account XXXXhas 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
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX
Product: Debt collection

This is so annoying & frustrating. Ive sent the credit bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the credit bureauss responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$20000.00}. Please remove this fraudulent account ASAP.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian to investigate the inaccuracies in my credit report. I have three negative marks on my credit & I would like them removed.Also provide me with their findings.
Product: Student loan

I have disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed.  XXXX ,  XXXX , and American Education Services ( AES ) are all refusing to remove fraudulent information from my credit report after providing verification from   XXXX   that the tradelines were successfully removed from their report.  XXXX  and  XXXX  claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor, AES, is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all   XXXX    entities. I have repeated multiple times and made it very clear that I have never paid AES and never will. AES is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department. I have substantial evidence that proves AES engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies. AES is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several AES employees told me this action was to prevent the account from being charged off. The account should have been charged off NLT   XXXX    according to the original default date. Somehow AES managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from 2013 to some distant year. Also,  XXXX  is reporting that  XXXX  of the   XXXX    tradeline s is closed/paid in full and the remaining   XXXX   are current. This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into  XXXX ,  XXXX , and AES. This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. Thank you