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

RE : Social Security Number : XXXX To Whom It May Concern : This is yet another attempt Im taking solely for the purpose to update my personal information. 15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX. Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 15 USC 1681 a There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX
Product: Credit card

On XX/XX/year>, I received a call from a billing dispatch ( XXXX ). The woman 's name was XXXX, she told me that I was in debt with a credit card from Home Depot. She said that I owed {$370.00} and that I had to pay them, but I have never solicited a credit card that Home Depot managed, she told me to call the store and she gave me the supposed last 4 digits of the " credit card '' but she said she couldn't give me the full number. I called the store and they stated that there is no debt from any credit card with my information, I'm not even on their credit card system. The person I talked to at Home Depot 's name is XXXX. I do not have a card, rewards program, or any account with them. I have called many departments from Home Depot like customer service and they all say there is no account under my name let alone a credit card or any debt. Thank you for your time, I hope to receive a follow-up.
Product: Credit reporting, credit repair services, or other personal consumer reports

These XXXX accounts on my credit report still show that they are open with balances these accounts have been closed with the creditor. XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX
Product: Student loan

XXXX XXXX is refusing to give me credit for work complete in XXXX  XXXX with the XXXX XXXX XXXX. I have completed the paperwork to certify my work to include the information of my employer EIF number, website, address. etc. My past employer will not fill out the documentation as I no longer work for the XXXX XXXX XXXX after 12 years of service with them. XXXX XXXX is requiring that the XXXX XXXX XXXX sign my paperwork. I am unable to do this and I check the box stating I was unable to do this on the application. XXXX XXXX XXXX   responding in a letter that I had to have them sign it. they are unwilling to take anything showing proof that I work for that XXXX XXXX XXXX and will respond with get a signature. I am no longer employed their and can not walk into my old HR as it was a XXXX I worked at and access must be approved of which I can no longer get. XXXX XXXX is taken advantage of me and probably others in the same situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX a natural person and federally protected consumer, give EXPERIAN INFORMATION SOLUZTIONS INC and the CFPB AUTHORIZATION to proceed with this complaint. I have disputed these accounts. EXPERIAN INFORMATION SOLUTIONS INC claims that these alleged accounts are reporting accurately. How can they be reporting accurately if three consumer reporting agencies are reporting that the US DEPARTMENT OF EDUCATION aka the federal government is making these reportings when the US DEPARTMENT OF EDUCATION is located in Washington, D.C. and contact number is XXXX? How can all XXXX elaborate mechanisms known as consumer reporting agencies be reporting the same alleged account with the same alleged balance and the contact information is completely different from all XXXX consumer agencies. Literally, XXXX different contact numbers and located in XXXX different states. How is that an accurate reporting? Who is the DEBT COLLECTOR making these reportings that are false and misleading and posing as the federal government? Who owns this alleged debt as only the original creditor with the original note has lawful rights to collect an alleged debt? Pursuant to 15 USC 1692c ( b ) it is unlawful to communicate with third parties without the consent of the consumer. So how did you get this inaccurate and unlawful information if I, the consumer, NEVER directly gave this alleged debt collector my consent to communicate about this alleged debt to third parties, consumer reporting agencies? If you have LAWFUL RIGHTS to report this inaccurate information please provide the law. If you continue to participate in this fraud by defaming my character by way of placing negative items on my consumer report to coerce payments from me then I will be forced to seek litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had an automatic payment scheduled in the amount of ~ {$62.00}. In XXXX, failed to execute the payment. We found out 2 months later, and after explaining what had happened they did not help. A phone call on XX/XX/XXXX with customer support, they confirmed there was an internal problem on their end. We filed a complaint and requested a correction and they said they do not perform curtesy corrections to the credit bureaus. We have been paying our accounts on time for years with Firstmark. This same thing happened in XXXX and the same result. Now this effected our credit and we want this fixed.
Product: Student loan

I sent this to American Education Services, after repeatedly requesting help because I was unemployed, and it started at the beginning of the pandemic. I have requested Income-Based Repayment ( IBR ), and was told they are not available, which has placed me in default. I have received a document from AES stating ( Urgent : Your Loan Is Due In Full ). I am presently living on SSA retirement so I have a limited income while I arrange to have my XXXX XXXX. I sent it after reading that the CFPB had sanctioned XXXX for deceptive statements, part of that article recommended requesting a refund of the payments made. I have done this with the email below, but I still have not gotten a response from them. 

The email with AES : I am writing this to help clarify our situation. At present, I am in default for the student loans you hold with me. Please understand that I have appreciated your work with me while I have been repaying these loans when I needed assistance because I could not afford the payments. 
Since XXXX of XXXX, I have asked for and received help from you since I lost my job. Once the extension and forbearances ran out, I had to make my payment to you, and I have as best I could during this time. 
I have investigated bankruptcy and found that Student loans are protected unless they are causing Undue Hardship, so I send a partial payment each month. 
My confusion comes from this. Private and Federal Student Loans are protected from bankruptcy by law. If they are protected under the same laws, then they should also have to adhere to the Covid-19 policies that have been set to help in this crisis. If these loans are protected from bankruptcy as the Federal Student Loans are. These student loans have been suspended since XX/XX/2020. The U.S. Department of Education ( FSA ) encourages borrowers to request refunds through their loan servicer as soon as possible. 
My Questions : 1. If these loans are protected from Bankruptcy as the FSA loan are, why dont they have to follow all the laws and policies ( even the Covid-19 Policies ). 
2. If these loans are protected from Bankruptcy as the FSA loan are, why have I had to make all the payments since XXXXXXXX XXXX XXXX, since on XX/XX/2020, all payments have been suspended for Student Loans? 
3. If these loans are protected from Bankruptcy as the FSA loan are, why do I have negative reporting on my credit report since these loans have had the payments suspended? 
Any Help answering these questions would be appreciated. 

My Request : Per the advice of the U.S. Department of Educations Office of Federal Student Aid ( FSA ). I am requesting a refund of all my Payments since XX/XX/2020 ; I can provide an exact amount if you need it. 

Your help is appreciated,
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to note these items were in dispute within 30 days now these items are in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$560.00}
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a collection and a few hard inquiries on my credit report I do not recognize
Product: Credit card

Hired construction company Vendor for service in XX/XX/2023, I paid the vendor in full as per contract using my US Bank VISA Credit Card. The company did not complete the work as contracted by date of completion XX/XX/2023. I contacted US Bank credit card and worked with their fraud Card fraud team for return of the funds. I provided all requested documents as requested by US bank to complete my claim against the vendor. US Bank confirmed documents as received and provided me with a Provisional Credit for funds I paid the vendor, pending a 90 day review. The process has moved into a second 90 day review. As per my credit card purchase protection I should receive reimbursement of the provisional funds to be released to my card as a XXXX fraud liability event.
Product: Credit reporting or other personal consumer reports

Inaccuracies on my credit report remain unresolved despite multiple disputes submitted to XXXX, XXXX, and Equifax. These credit reporting agencies have failed to address the issues I raised and continue to report incorrect information that affects my credit profile. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) Outdated information is still being reported, even though it should have been removed as per FCRA guidelines. 

FCRA Section XXXX ( a ) ( XXXX ) ( A ) ( Reinvestigation of Disputed Information ) The agencies failed to conduct a reasonable re-investigation of the disputed information and did not provide sufficient evidence to verify its accuracy. 

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus neglected their obligation to ensure the maximum possible accuracy of the information on my credit report, leaving unverified and inaccurate data. 

I urge the CFPB to investigate these violations and ensure the credit bureaus take corrective actions to resolve the inaccuracies and comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX - CARD SERVICE XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Could you please verify whether FCRA 605B necessitates the elimination of incorrect accounts from my credit report? Some of the accounts listed seem inaccurate in terms of reporting.
Product: Credit card

I was traveling in XXXX last month and towards the end of my trip I realized some unauthorized transactions posted on my XXXX credit card. I immediately called Barclays to inform of some kind of fraud happening. I informed them about the irregularity and explained that I was traveling with a large group of people where credit cards were handed back and forth to pay for food and stuff. I didn't know most of this people, I don't know if maybe XXXX person used my card without my knowledge and authorization. Barclays collected information about the unauthorized transactions, started an investigation, entered temporary credits for the unauthorized transactions, blocked the credit card and sent a new one. Just today I found out the credit card company decided all the transactions were valid for them and I have to pay that money.
Product: Debt collection

They kept harassing me for months about alleged debt collections, from various numbers all times of the XXXX  and XXXX. Also sent letters to addresses I do not stay nor did I approve or consent to my information being sold to solicitors to harass me and have my information.
Product: Credit card or prepaid card

I've been a member of Navy Federal since XXXX. I've worked with them during difficult times over the years. I've had a car loan and multiple credit cards. I fell on hard times and was educated on the SCRA program specifically the Ohio revised code. Back in XXXX I requested it and was told by the clerk in the XXXX office that I was not eligible. When I found out that I actually was and the information given to me was incorrect I was already XXXX. I requested it in the summer of XXXX and received no reply. I followed up on the request and was told I was ineligible because I was XXXX. They stated that they reviewed the archives from XXXX and couldn't find the request but this was because I requested it inside the branch on base in XXXX. They can see when I opened the account for my daughter but not the SCRA request. I served 20  years of faithful service to the US Navy and Navy Federal Credit union on to feel as though none of it mattered and I was just a cash cow who had military deposits sent to Navy Federal via DFAS for 20 years but I am not eligible for SCRA benefits? I am a 100 persent total and permanently XXXX veteran and time are hard. It is extremely disheartening to feel as though this company cares nothing about the people who help keep their doors open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint once again to follow up my request for these many improper credit inquiries be taken out of my credit record. My name has been used to open a number of accounts. I should submit an FTC, so I did, and I've attached it to this letter, per legal counsel from a friend and your agency. Within four days after receiving this letter, the XXXX, Equifax and XXXX credit reporting agencies are required to stop all improper credit inquiries that were conducted for reasons that were not allowed by Fair Credit Reporting Act section 605B. Additionally, I'm getting in touch with each business on the following list to close any opened fake inquiries : XXXX : XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX
Product: Mortgage

Interfirst Mortgage Company failed to credit my account ( loan number XXXX XXXX with my XX/XX/XXXX payment. I have contacted Interfirst and XXXX on more than 9 occasions between XXXX. I requested the matter be raised as a formal complaint on XX/XX/XXXX by XXXX at XXXX local time. 

As of today, XX/XX/XXXX my account still does not accurately reflect all 5 payments made on my mortgage ( XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ). On XXXX I spoke with a representative who said she recognized my name from recently having journaled my first payment ( sent to Interfirst ) from Interfirst to XXXX. I subsequently received a statement dated XX/XX/XXXX showing a payment of {$2700.00} credited on XX/XX/XXXX. However, I then received a statement dated XXXX reflecting a reversal dated on XXXX. Despite calling 6 more times since that date the problem has still not been corrected.
Product: Student loan

I have been making payments on my loan and they have misappropriated my loan amounts in the pass and also make threatening phone calls to my grandmother threatening court etc.
Product: Checking or savings account

XX/XX/year> I have had {$5000.00} dollars took from me. All cash app did was asked the person to send it back and told me to request a refund.
Product: Mortgage

Our Mortgage company has failed to make the tax payment for the year and we are getting late notices from the county with interest. We have reached out to the company a few times and they have not fixed the issue. They bought our mortgage a few months ago and have been extremely difficult to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing fraudulent accounts on my credit report. This accounts were opened in XXXX  when the Equifax breach occured. I've been contacting the 3 credit bureaus monthly trying to get a resolution but XXXX refuses to reinvestigate and Equifax and XXXX continues to update the account without providing anything contract bearing my signature. I'm requesting that these accounts be deleted from my credit report within the next 4 business days.
Product: Consumer Loan

A payment was electronically sent to Synchrony Financial from XXXX bank on XXXX. It cleared on XXXX ( the due date ) but was posted with a XXXX date and I was charged a {$25.00} late fee. The posting should have reflected the date the payment was received -- - not the date is was actually posted. I called Synchrony Financial and they waived the late fee but would not admit they posted the payment with the incorrect date. My worry is that Synchrony Financial are doing this routinely to other customers and this could be reported to a credit agency thus affecting peoples credit rating.
Product: Debt collection

This collector called me twice but never sent me anything in writing letting me know how to pay my debt or giving me the right to dispute. An email was sent to me on XX/XX/2016 and that is the only communication I have had with them in writing. They have filed this collection on my credit report. This has had a negative impact on my credit score that I have worked so hard to build and I believe they should rectify the situation and take this off of my credit report. When we spoke on the phone, I was told that the originator creditor did not have my current address and instead of trying to receive it, they turned me into collections. This was very unnecessary considering I had my child at the XXXX hospital and ever though the creditor and hospital are XXXX separate entities, they could have exercised due diligence and found my current information without messing up my credit.