23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears Experian has employed a stall tactic to fixing their wrong doings. My previous CFPB complaint number # XXXX has detailed how Experian has taken longer than 30 days to resolve my dispute and the items needs to be removed as the law states. Experian responded that they couldn't find my consumer file. My latest Experian report number is XXXX. Seeing as it has now been well over 30 days to complete my dispute. Immediately remove these inaccurate and misleading Tradelines from my consumer credit file. 
Please see attached document for additional details
Product: Student loan

I had owed a private student loan through Navient ( at the time Sallie Mae ) and had unfortunately defaulted on it about 12 years ago. I never since made any payments and the statute of limitations for suing has passed. On top of that, I had a bankruptcy discharge in XXXX of 2016 which included everything that was eligible at that time including this loan. I all of the sudden am now getting calls constantly from a collection agency stating I am still responsible to pay this loan back. When they speak with me, they have used threatening language that I believe is attempting to trick me into renewing the statute of limitations and agreeing that I still have to pay this. I spoke with a supervisor a few weeks ago and she actually hung up on me when I told her that I do not owe this loan due to the bankruptcy. I want the harassing calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account # : XXXX, Account Name XXXX XXXX Account # : XXXX, Account Name XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX  XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX  XXXX Account # : XXXX, Account Name : XXXX XXXX  Account # : XXXX, Account Name : XXXX XXXX  Account XXXX : XXXX, Account Name : XXXX XXXX  Account # XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX  Account # XXXX XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : 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 or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this formal complaint against XXXX, XXXX, and Equifax to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : 1. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, XXXX. XXXX, XXXX XXXX. Contacted each credit reporting agency ( XXXX, XXXX, and Equifax ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.
Product: Debt collection

I have previously complained about Prosper about identity theft, I have provided them will all the documentation supplied but they responded and closed the  complaint with no resolution. I am again attaching all the requested information and requesting this be deleted from my credit profile and removed under my name. If this is not resolved, I will take to Small Claims Court for damages.
Product: Credit card

Tried several times to make payments on account, my Bank wouldnt never attach to make the payment
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Subject : Formal Dispute Letter Request for Removal of Inaccurate Information from My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and/or unverifiable information that appears on my Experian credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681o. I have previously disputed these accounts with the credit reporting agencies, yet they have failed to provide evidence that the information is accurate, complete, and verifiable as required by law. 

The following accounts should be removed due to the reporting entitys negligent noncompliance with the FCRA : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX Basis for Dispute : Negligent Noncompliance Under 15 U.S. Code 1681o Under the FCRA, credit reporting agencies and furnishers of information must ensure that all information reported is accurate, fair, and substantiated. The listed accounts remain on my credit report despite : Lack of Proper Verification : The furnishing party has failed to provide verifiable proof that these accounts belong to me and are being reported correctly. 
Failure to Conduct a Reasonable Investigation : The credit bureaus and/or creditors have not conducted a proper investigation in response to my previous disputes. 
Continued Reporting of Inaccurate Information : Under the FCRA, failure to remove or correct inaccurate information constitutes negligent noncompliance, making the responsible party liable for damages. 

Requested Resolution I am requesting that the CFPB investigate these violations and ensure the immediate removal of these accounts from my credit report. Additionally, if the reporting parties are found in violation, I request any applicable corrective actions, including damages as outlined in the FCRA. 

I kindly request a response within 30 days in accordance with federal law. If the inaccuracies are not corrected, I am prepared to take further action to enforce my rights under the FCRA. 

Please confirm receipt of this dispute and inform me of the next steps. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

Letter to Bridgecrest ( XXXX XXXX XXXX  Request ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Request for XXXX XXXX XXXX  Adjustment under FCRA To Whom

It May Concern, I hope this letter finds you well. I am writing to respectfully request a pay-for-delete arrangement or a goodwill adjustment for the late payments that have been reported on my credit file in connection with the above-referenced account. Due to temporary financial difficulties, I was unable to meet my payment obligations during the relevant period. However, I am now in a position to resolve this matter fully. In accordance with Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I recognize your obligation to report accurate information to the credit bureaus. Nevertheless, the law also allows creditors the discretion to update or remove negative reporting, even if the information was accurate at the time it was reported. As such, I kindly request that you consider removing the late payments from my credit report as a goodwill adjustment, given my history as a loyal customer and my current willingness to pay the balance in full or agree to a payment plan. 

Furthermore, Section 623 ( a ) ( 7 ) of the FCRA outlines your ability to notify the consumer ( myself ) if negative credit information is being reported. However, nothing in the statute prohibits your ability to assist a customer by removing such information as a measure of goodwill. This is particularly relevant in cases where the customer is working in good faith to resolve the balance.

As an expression of my commitment to resolving this matter, I am prepared to pay the balance in full or negotiate a mutually beneficial payment plan. In exchange, I request that you remove the late payments from my credit report with the credit bureaus ( XXXX, XXXX, and XXXX ). This would not only help improve my credit standing but also demonstrate XXXX XXXX  or Bridgecrests dedication to positive customer relationships. 

I believe that this arrangement is in both our best interests, and I look forward to your favorable response. Please let me know how we can proceed to resolve this matter efficiently. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states consumers agency can not furnish a account without my written instruction
Product: Debt collection

in 2014, Midland Credit Management alleged that I had a debt from XXXX. After filing a lawsuit against them, they determine that I, in fact, did not owe the debt. The debt was removed from my credit report. 

Last week, I received a letter from the IRS stating that Midland reported that I had received {$4500.00} from them ( reported on a XXXX ). I NEVER received any funds from Midland nor did I receive this clearly fraudulent XXXX. Now the IRS is stating I owe them back taxes for this amount ( I am contesting this with the IRS directly at this time ). 

Once again, Midland is causing me financial hardship, first on a debt that was never mine ( which they ADMITTED by closing the account and deleting it from my credit report ) and now, two years later, by reporting I received an income from them which never happened. 

I called their customer service center and spoke with XXXX XXXX, employee ID XXXX, and he stated that he has no record of them sending me {$4500.00} and that there is no record of them sending me, or the IRS, a XXXX. When I asked for a letter confirming this info, he said they can not send me one because I previously sued them. 

I have worked REALLY hard to rebuild my credit and Midland is once again damaging my livelihood. They are dishonest and need to be stopped from hurting other consumers.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX XXXXXXXX [ Date ] TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Re : Inaccurate Hard Inquiry on My Credit Report Dear [ Credit Bureau ], I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from TransUnion dated [ XX/XX/XXXX ]. I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report.Please provide me with written confirmation that this inquiry has been removed.Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Uninformed Student Loan Transfer and Credit Score Impact To Whom It May Concern, I am submitting this complaint regarding an issue with my student loans that has resulted in an unfair and significant drop in my credit score. My student loans were originally managed by XXXX XXXX and were in good standing. However, without prior notification or consent, my loan was transferred to DeptEd/XXXX, and as a result, my credit score has dropped by XXXX points. 

Upon reviewing my credit report, I discovered that a new account under DeptEd/XXXX was reported with a balance of {$43000.00}. This change was reported on XX/XX/year>, and was marked as " Needs Attention. '' This was entirely unexpected, as I was never informed about the transfer, nor was I given an opportunity to address any potential discrepancies before it negatively impacted my credit. 

This abrupt and unannounced transfer has caused financial harm, affecting my ability to obtain credit and maintain financial stability. I believe this constitutes unfair and inaccurate reporting. I request the following actions : XXXX. An immediate investigation into this loan transfer and whether DeptEd/Nelnet followed proper procedures in notifying borrowers. 


XXXX. A correction of any inaccurate reporting to the credit bureaus to restore my credit score. 


XXXX. A clear explanation of why this transfer was made without proper notification. 


XXXX. Compensation for financial damages caused by this unexpected credit score drop. 



I have attached relevant documentation, including screenshots of my credit report and loan balance, to support my complaint. I request that this matter be addressed promptly, as it has already caused unnecessary financial distress. 

Thank you for your time and attention to this issue. Please contact me at your earliest convenience to discuss further steps. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a fraudulent inquiry that appears on my credit report. I recently reviewed my credit report and noticed an fraudulent inquiry. Inquiry name and date is Inquiry to remove XXXX XXXX XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2023 to XXXX, TransUnion, and XXXX. Here is my tracking number : XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

I sent another letter out on XX/XX/2023 to XXXX, TransUnion, and XXXX. Here is my tracking number : XXXX. However, again the credit bureaus said they completed the investigation and everything was 100 % accurate. 

Which is incorrect. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 

How did they complete this investigation? 

I sent another letter out on XX/XX/2023 to XXXX, TransUnion, and XXXX. Here is my tracking XXXX. 
I have requested the method of verification but I still haven't received a response. 

I even resent that letter out on XX/XX/2023 to XXXX, TransUnion, and XXXX. Here is my tracking XXXX. 
I once again requested the bureaus provide me with the methods of verification but once again I received no response.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX : {$9000.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

Ex wife opened 3 credit cards. She listed me as an authorized signer on the 3 credit cards ( Bank of America, XXXX XXXX and XXXX ). I never signed anything to authoize me as an authorized signer or to be added to these accounts. The credit card company did NOT have my permission to put me on those accounts. Ex wife did not pay the cards. Now those are being reported negatively on my credit report. I want proof from those companies that I gave permission to sign up for those cards. When they can't provide the proof of persmission that I never granted, I would like those 3 cards off my credit report as I did not sign up for those cards. 

I am trying to apply for a home loan and this fraudulent activity is blocking my home loan. Thank you for your assistance.
Product: Debt collection

The creditor is attempting to collect a debt from me. 
Im currently an XXXX  recipient who is unemployed and homeless.
Product: Credit reporting or other personal consumer reports

I am making a complaint about LOANME INC. The reason I am making this complaint is because I found out that LOANME INC is furnishing inaccurate information on my credit report. On XX/XX/year> I sent them a letter about this matter. I do not have any record of a response from LOANME INC. If LOANME INC has sent me a response I sincerely apologize for this statement. I did not dispute whether or not this was my account or if it belonged to me. I disputed the fact that reporting as a charge off is inaccurate. According to the IRS charge offs are considered income. Income doesn't get furnished into my consumer report, according to XXXX. Reporting as a charge off is inaccurate at the very least they must report as paid for less, or they must delete this account XXXX 
15 U.S. Code 1681s ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) 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. 
These are the responsibilities of a data furnisher.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I received notification from PayPal that our account had essentially been permanently closed, with no explanation give. I contacted them by phone more than once and they refused to explain their decision. Both times I tried to discuss the matter with them on the phone, they said that they would review the case and get back to me within 72 hours, but they have never gotten back to me. I would like to receive an explanation as to why our PayPal account was permanently closed/frozen/deactivated. 

Below is a copy of the text from the email which I received : You can no longer use PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to use PayPal to send and receive money or shop online. 
If you have money in your PayPal balance, well hold the money for up to 180 days. After that period, well email you with information on how to access your funds. 
We regret any inconvenience this may cause. 

. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.