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

I placed an order earlier this year and purchased a dress from Ashro. I returned the dress for personal reasons. Two months later I received a bill saying I owed late charges for a return of the dress. I could not understand why I was being charged a late fee for a return item. After speaking with someone at Ashro and she said I was sent a bill twice that I never received. I explained to the representative that I was very unhappy about the charge and the late fee. Upset with the company, I told them I would pay the late fee, but I asked them to remove my name from their mailing list and never to send me anything from that company again. 

Two weeks later, I received an email alert from XXXX asking me to confirm that I had opened a credit card with Ashro. I immediately filed a complaint and explained that I never applied for a credit card with this company and that I was unsure how they got my information to even give me a credit card. I told them, I purchased a dress from this company and returned it. Then I get a message that I applied for a credit card. I was told that once they investigated it, the account was verified and updated by Ashro. Very upset, I filed again explaining the same problem that I never applied for a credit card with Ashro and I don't even know how they got my information because I only purchased a dress that i returned. After filing a third complaint with XXXX, the company still refuse to remove the information that I believe they had obtained falsely. I never gave them any of my information to even apply for a credit card. 

I contacted Ashro and asked them why they are forcing me to keep something I never applied for and how they obtained my information to even send me a credit card. The representative claim when you place a order, they send you a credit card. I asked how when I only ordered a dress and returned it and asked that they remove my name from their list. I told them I wanted this account closed and removed from my file. 

Well looking at the response from XXXX, the account was closed but not removed from my credit report and it will not be until XXXX. 

I am very upset that for something I never applied for can stay on my credit report. This company FALSELY OBTAINED MY INFORMATION and said I applied for a credit card. I NEVER OPENED A CREDIT CARD WITH THIS COMPANY AND I WOULD LIKE TO REQUEST THAT THEY BE PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY AND NOT HELD ON MY CREDIT REPORT UNTIL XXXX. I ALSO WOULD LIKE TO REQUES THAT THIS COMPANY BE INVESTIGATED IN HOW THEY OBTAIN CUSTOMER 'S INFORMATION AND SEND THEM A CREDIT CARD WITH THE CUSTOMER NOT KNOWING AS MYSELF. I AM SURE i AM NOT THE ONLY ONE WHO HAS HAD THIS PROBLEM. I just want this company Ashro removed from my credit report permanently and that they are investigated in how they obtain information about customers who place an order with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute to have a paid and closed account removed from my credit report. Instead, XXXX reporting the account as recently paid upon as though it was closed recently when it was closed in XXXX. The began reporting all of the payment history again and as a result my credit score dropped 20 pts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity they are opening bank accounts and credit cards and compromising my email all the companies will do is Nothing I need help
Product: Checking or savings account

I opened an Essential Checking account at Fifth Third bank in XXXX, NC on XX/XX/XXXX There is promotion associated with this account. The detail of the promotion is in the attached file. After meeting all the requirements. I did not receive any promised bonus. I made $XXXX initial deposit on XX/XX/XXXX, and then I transferred $XXXX from other account to this account onXX/XX/XXXXXX/XX/XXXX After that I moved $XXXX out of this account on XX/XX/XXXX. On XX/XX/XXXX, I received $XXXX direct deposit and I kept the account balance above $500 for more than 60 days. I have contacted the bank 3 times,XX/XX/XXXX andXX/XX/XXXX but the problem was not solved.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on US DEPT ED Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my US Department of Education ( US DEPT ED ) account on my credit report. These errors have caused unnecessary harm to my creditworthiness and violate federal consumer protection laws. 
Issues Identified : Incorrect Payment History : Your records indicate late payments for XX/XX/XXXX through XX/XX/XXXX. These entries are false, as the account was in deferment status during this time. 
Noncompliance with the Fair Credit Reporting Act ( FCRA ) : Under the FCRA ( 15 USC 1681i and 1681s-2 ), credit reporting agencies and information furnishers are required to ensure the maximum possible accuracy of the information reported. This has not been adhered to in this case. 
Account Misclassification : The account is listed as " Late 120 Days, '' which is inconsistent with the deferment documentation. 
Account Details : Account Number : XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Late 120 Days Reported Late Payments : XX/XX/XXXX XX/XX/XXXX Resolution Sought : I am requesting that Equifax conducts a comprehensive review of this account and removes the inaccurate late payment entries. Please provide written confirmation of these changes within 30 days of receipt of this letter. Failure to address this matter will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Student loan

I am a cosigner on a student loan owned by Navient. The borrower has moved out of the country and is not responding to any collection activity. This loan was originally a XXXX loan for {$6000.00} in 2004. I have made several attempts to settle this loan only to have the borrower put it in forbearance and Navient ceased to communicate with me. When the last forbearance ended no payments were made. Since XX/XX/XXXX I have been attempting to settle this account. I have been trying to provide a cosigner waiver payoff, for {$4000.00}, an amount that I did not think was fair, however I was willing to pay it to be free of the harassment. I refused to give them my back account information and wanted to receive written assurances that I would be free and clear of this debit. So far, they refuse to give me a routing number so I can make a wire transfer. I have been told so many different things by people claiming to be a file manager ( that can not access my emails to them or the ones they have sent to me ) that it is pointless to speak to anyone on the phone. Recently they told us that a check from a bank we have never used bounced and that our cosigner waiver was null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is addressed to EXPERIAN. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Debt collection

This complaint relates to Flagship Credit Acceptance ( referred to as " the Company ''  below ) is twofold : 1. The first part relates to the company 's conduct at routine times when a payment is late, where the company employs dialers and repeatedly calls consumers to attempt collection of debt even if they are on a no call list and have opted out of such communications. They justify this by forcing an " acceptance '' to such communications at the time of speaking to a representative by placing the " acceptance '' as a condition to having a conversation with the representative essentially preventing customers from resolving such issues while exposing them to the added stress of repeated calls if not addressed. For a customer who suffers from XXXX this isa serious issue with no resolution. 
2. The second part relates to the company 's conduct during this COVID-19 crisis. As a self employed individual who has always made sure to make my payments on loans despite having gone through medical and financial hardships, I reached out to the company for a deferral of the payment for XXXX. Their response was ( unlike other financial companies who sincerely try to assist customers during this time ) having the agent on the phone play a recorded message explaining that such a deferral ( if approved ) will result in additional interest and fees ( essentially no different from simply paying 30 days late and suffering the consequences ). Separately, the company refused to even put in a request for such a deferral as I wouldn't provide them with an additional contact person they can call in the event that I miss a payment - despite my explaining that I have no one for them to call, I live alone with family overseas. 

Important to state is that this company has been charging an aggressive interest rate of almost 20 % for my car to begin with. In short - Flagship Credit Acceptance takes cynical advantage of their customers - especially during such challenging times and refuses to genuinely provide assistance - even to loyal, paying customers such as myself - who are self employed, alone and without other options. 

I sincerely appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint against XXXX, XXXX, XXXX, and Equifax for their continued reporting of inaccurate bankruptcy information on my credit reports, which constitutes a violation of consumer protection laws. 

Despite multiple attempts to resolve this matter directly with these credit bureaus, the incorrect information remains on my credit reports. The bankruptcy information being reported does not match my name or address, indicating a clear error. I have submitted disputes to each of these credit bureaus on several occasions, yet they have failed to address my concerns and correct the inaccuracies. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy and completeness of the information they report. The presence of this erroneous bankruptcy information has adversely affected my creditworthiness and caused significant distress. The failure of XXXX, XXXX, XXXX, and Equifax to rectify this situation despite repeated requests is not only negligent but also a breach of my rights under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Account Name : XXXX Account Number : XXXX Date of Charge XXXX Amount : {$0.00} I previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 a 609 letter to the credit bureaus and still nothing they inquiries are truly haunting me Im trying to buy a house the following inquiries on my report are not mind. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Capital one XX/XX/XXXX Cap1/Neiman MRCUS XX/XX/XXXX Please block and remove them from my report i have tried everything.
Product: Mortgage

In XXXX of this year, I closed on a mortgage for my home in Arkansas with XXXX XXXX XXXX. Shortly after the closing the mortgage was sold to AmeriHome Mortgage. I wanted to set the payment up via ACH in XXXX and was directed to their website. I completed the ACH forms and was led to believe that everything was in good order. In XXXX, I received a letter from AmeriHome that the ACH was not processed. I immediately sent in a payment via check for two months. Next, I called in immediately to get the ACH activated. I was not told why the initial ACH did not get processed and they directed me to the website again. Again, the ACH was not processed and I had to send in a check for a two month payment. During this time, AmeriHome reported to the credit bureau 's that I was late on two payments. I called in again to AmeriHome to get some answers and was told that they would submit a request to review my account. Finally, AmeriHome processed the first ACH on XX/XX/2019. I did not receive any explanation of why the ACH was not processed initially. Consequently, I have been charged with numerous late fees and my credit rating has been negatively impacted. I wrote two letters to AmeriHome in  XXXX and XXXX to review my account and report to the credit bureau 's that this was their processing error. Both times, I received a form letter stating that they " determined the information reported was accurate. '' I believe that AmeriHome is not taking responsibility for their processing error and this has negatively impacted my life. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be correct this time : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my credit repot to see that Florida XXXX XXXX says I owed a debt for a emergency room visit XXXX/XXXX/14. I presented insurance at the time of the vist and was told my insurance would be billed. After contacting the insurance company they stated that Florida XXXX XXXX was not paid due to the fact that there information was not updated with the insurance company. I then called Florida XXXX XXXX billing and notified them why they were not paid. A few days later I was contacted by florida XXXX saying that they updated the insurance company and would be paid by them. I asked to remove the inaccurate information regarding that I owed the debt and they refused. I stated that I was not notified of this debt formally and I request proof of any certified mail stating I accepted mail stating that I was in debt and they said that they have nothing proving the fact. I have contacted them demand verfication of this debt and have not received a response. I have contacted the major credit reporting agencies and disuted the debt and still I am awaiting a response. 

Florida XXXX XXXX violted the FCRA and reported inaccurate debt information on my credit report and now refuse to remove it after numerous attempts at resolving this issue. 

Due to there inability to provide accurate information the insurance company I was subject to a negative credit review and unfairly refused services.
Product: Student loan

I have a Perkins loan through XXXX XXXX University in the amount of {$2800.00}. I am a XXXX XXXX and by law, I should receive a 20 % cancellation rate of my loan. My loan servicer is XXXX XXXX. I submitted all paperwork as requested, including the cancellation form and the verification of employment. I did everything XXXX XXXX requested and I received an e-mail from them indicating they received the paperwork. I called XXXX  telling them I received the e-mail and asking when the cancellation rate would be applied. They told me to give it one day to update in the system. I checked my account and the amount of my loan is still {$2800.00}. I am a XXXX XXXX XXXX   and should get a 20 % cancellation rate off my loan. Nothing has been applied.

I've called XXXX XXXX several times again and they are telling me different information. No one is helping me. First they told me it would my loan amount with the 20 % cancellation rate would be updated in one day. Now they are telling me to re-submit my paperwork, which I do not need to as I received an e-mail indicating it was received. They are not applying the 20 % cancellation rate and I need help. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian have been reporting two collection accounts who have violated the Fair Debt Collection Practices Act. XXXX XXXX XXXX did not provide me with notice of debt and allow me to dispute their claim and when I did become aware of the collection accounts I requested validation letters with proof of ownership required under Fair Debt Collection Practices Act but the information was never provided. I have requested that both bureaus remove these accounts and have even requested the verification in a complaints filed here at CFPB but nothing has been provided and the accounts remain open my report as of the date of this complaint.
Product: Credit card or prepaid card

My business XXXX credit card was recently closed by the bank as well as my employee cards right after I paid multiple annual fees on the employee cards. This is such a switch and bait strategy as the closure happened within days.
Product: Credit reporting or other personal consumer reports

When I saw inaccurate accounts on my credit report tonight, I was shocked and confused. I regularly check my credit report, and there have never been discrepancies until now. At first, I thought it might just be an issue with my browser, so I refreshed it, but nothing changedthe errors were still there. Because of this, Im asking that my documents be thoroughly reviewed so I dont have to worry about these mistakes in the future.