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

Experian has illegally re-aged my US Department of Education account. Under CFRA the account must be removed from the first date of delinquency. I have called and disputed this information with Experian several times and each time Experian re-ages the account based on the dispute month and not the first date of delinquency. This account is due to fall of this year. Experian has re aged this account from 2013 for another 7 years. This action is ILLEGAL under the CFRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$18000.00} ), XXXX XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Balance : {$550.00}, ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$430.00} ), XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

Unidentified number called XX/XX/XXXX to my XXXX cell number left message that stated paraphrased " I am XXXX XXXX summons was failed to be delivered contact the law firm in charge to receive the order number is XXXX with case number XXXX failure to respond will result in further legal proceeding to take place with or without you. '' Called number routed thru what seems like typical debt collector phone prompts. Get live person and he berates me. States debt is from Bank of America which was a valid debt and they knew my last 4 SSN. I stated that debt was settled ten years ago XX/XX/XXXX. He said I had to provided proof. Called back as i found the settlement letter. I asked for email to provide proof he gave it to me faster than a person could write it down then hung up on me. Called back to confirm email they hung up again. 

After calming down I believe the persons behavior was more of a scam then legit debt collector.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. Acct # XXXX It is ILLEGAL to retain or report misleading or unproven information, especially considering a composed consumer complaint notifying you of said issues so please DELETE the following illegally reported allegation here and now : I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. ALL claims, true or not, must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and requisite standards, which is currently the XXXX, FCRA, FDCPA, XXXX XXXX COMPLIANCE STANDARDS and others. 

Per laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to retain and/or report any chicanery based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliance.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, the founder and director of XXXX XXXX XXXX an XXXX assisting all victims of XXXX XXXX. My XXXX is accredited by the North Carolina Attorney General and my XXXX was given authorization to make Determinations under the Debt Bondage Repair Act. 

XXXX XXXX XXXX assisted multiple victims/survivors of XXXX XXXX with self-attestation letters to block information associated with XXXX XXXX. Equifax is refusing to block information from XXXX XXXX victims files after submission of all required documentation. 

Equifax is being negligent and taking discriminatory actions against these victims which is causing further harm to the victims/survivors. I have documentary evidence on how Equifax has blocked some victims information on the reports and denied other victims request for blocking information even though the documentation provided was the exact same. 

Equifax is also denying due process to some victims after the submission to block information by stating they are sending 2 notices to rectify the block request and never sending the stated notices to the victims. 

Equifax is depriving the rights of XXXX XXXX victims. These victims are looking to pursue legal action through the Attorney General because the DBRA does not have a private cause of action in Federal Court. Although, there are state laws that these victims can pursue for the violations. 

I am requesting that the CFPB take action in investigation the deceptive, discriminatory and unlawful actions taken by EQUIFAX against these victims of XXXX XXXX and the laws to protect them under DBRA and the TVPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts appearing on my credit report are fraudulent : COMMONWEALTH FINANCE {$1200.00} XX/XX/2021, XXXX XXXX {$2000.00} XX/XX/2021, XXXX XXXX {$61.00} XX/XX/2021, XXXX XXXX XXXX {$1400.00} XX/XX/2021, XXXX XXXX XXXX {$640.00} XX/XX/2021, XXXX XXXX XXXX {$930.00} XX/XX/2021.
Product: Credit card or prepaid card

A {$75.00} annual fee was paid for XXXX card ending in XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no credit has posted to my account.
Product: Debt collection

I was called and I told them how I recieve no income and they said to me I had option to pay to take away debt after me telling them I was a XXXX vet and on my credit report it shows how the account is closed however I have an email from 2018 where it js from XXXX XXXX asking me to pay off the debt and they will not take it off of my credit without ever showing me proof from anywhere that i owe it. On my credit report XXXX. States thats an attorney has been assigned to this account and it is closed but yet I have recieved a call and after a couple disputes with them knowing they can not sue me they added more verbage such as seriously and very bad assigned to attorney after I made two attempts for then to please take it off of my credit
Product: Checking or savings account

My Account Was Closed XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove the off of my credit report. This issue is causing undue stress and is negatively impacting my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX What Happened : The company made a hard pull on my credit without my consent on XX/XX/2022. I hadn't found out until tonight, XX/XX/2022, via letter. I sent an email to the company to file a complaint/understand why my credit was pulled without written consent, still no response. I wrote a complaint to the XXXX XXXX XXXX I didn't authorize any credit pulls, this was fraudulent.
Product: Debt collection

Dear Debt Collector, RE Letter sent from JEFFERSON CAPITAL SYSTEMS Account : XXXX XXXX Account Balance : {$5300.00} Be advised this is not agreeing to this debt. but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 



Please attach all the requested documents. 
Agreement with you and XXXX XXXX the authority to collect this alleged debt. 

Signed agreement Debtor has made with Debt Collector. Must be verifiable proof Debtor has a contractual obligation to pay Debt Collector. 

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 

All statements while this account was open. 
Please provide the name and address of the bonding agent for your company, in case legal action becomes necessary If your office fails to send all requested documents within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment for this account was made on time for the billing cycle due in XX/XX/XXXX, but the creditor incorrectly reported it as late. I have attached bank statements and payment confirmation showing that the payment was successfully made well before the due date. 
Despite my timely payment and the evidence provided, the late payment entry has not been corrected by the reporting agencies. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I was offered an incentive to open a new checking account at PNC Bank! I went in to accept the offer, they declined but offered me a PNC Smart Access account! 
Despite being told by their corporate office I should have received the incentive to open a full checking account, my PNC Bank Branch repeatedly refuses, cancels repeatedly my PNC Bank Smart Access VISA, and after clearing up an error why the VISA was cancelled, I was told they would send me a replacement PNC VISA but in the meantime I could deposit checks into my PNC Smart Access account! I attempted to today and my bank branch refused to accept the deposit!
Product: Mortgage

In XXXX I was told by First Merit Bank ( now Huntington Bank ) the loan ( XXXX ) was written off due to bank acquisition errors in account transfers and could not find the owner of the loan. 

In XXXX I was told by First Merit Bank XXXX now Huntington Bank ) my loan was written off due to bank acquisition errors in account transfers and could not find the owner of the loan. 


Collateral used on the loan was released by the bank and has since been sold. 

In the process of taking out a home equity loan, through a title search, it was discovered that F & M bank ( now Huntington Bank ) show having a lien on my property as a mortgage. Clearly on the promissory note attached you can the home was not used as collateral. 

Nothing on this loan appears on my credit report, nor have I been contacted by Huntington Bank or First Merit Bank to collect on this debt. 

I contacted Huntington upon the information provided by the bank I am using to secure HELOC. The information I received shows Huntington Bank ( from F & M acquisition ) holds a mortgage on my home. 

9 years later, Huntington Bank provided the original loan paperwork ( attached ) showing the collateral used to secure the loan and which show the final payment in XX/XX/XXXX. 

In the paperwork Huntington Bank supplied me, a XXXX XXXX XXXX, XXXX XXXX XXXX and a XXXX XXXX travel trailer were used as collateral. 

I thought this matter was settled back in XXXX based upon conversations with First Merit when they said it was written off. See the attached notes on the linage of my loan and you can see all the conversion I had on this starting in XXXX XXXX with names and phone numbers. 

When I requested a report of all payments made on this loan, they sent me the attached document. The sheet only has 5-line items, starting XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX. Clearly you can see that they acknowledge on XX/XX/XXXX, the load was charged off. Also, in XXXX, XXXX XXXX and XXXX XXXX at First Merit referred that the loan was written off and no action was required from me. 

How could Huntington get this filed as a mortgage with the promissory not clearly shows the home was not used as collateral? 

How can they come back after such a lengthy period? They have made no effort to contact me the past 9 years as only now that I asked them to remove this, they are perusing it. From the payment history they sent, no entries were made after XXXX. 

I did submit a complaint to the Office of the Comptroller of the Currency, case XXXX, and they said I need to work with XXXX XXXX XXXX XXXX. 

How do I get Huntington National Bank to acknowledge that this was written off and that they need to remove the lien on our property? 

I have attached all correspondence and documents.
Product: Student loan

I have a huge problem with the way that my late payments and balance are being reported with my account. First, they are listing a bigger balance on XXXX versus XXXX. Also I can tell there were problems with my account because there are late payments being reported that are not accurate. Currently, I am being reported as 30 days late on XX/XX/2018 and XX/XX/2018 on XXXX but then XXXX is reporting me as 30 days late on XX/XX/2018 and XX/XX/2018. That doesn't make sense.
Product: Debt collection

Employee was told not to contact me at work and they did it 2 times after I told them not to. I spoke to their XXXX Manager about it and he basically kept over talking me and telling me I need to pay my debt. He was not too concerned about them calling me at work after I told them not to.
Product: Debt collection

Midland offered to delete my negative credit report in exchange of deleting my negative report. They abused me since I am a minority and my XXXX is not the best. I paid {$1200.00} on XXXX/XXXX/15 and they still trying to collect the account and still reported as I owe the money.
Product: Debt collection

statue of limitation is over on this company, because the statue of limitation being over, they sent me a letter that they were not allowed to communicate with me any longer. Im still receiving letters from this company after they sent me letter stating they couldn't because of statue of limitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXXXXXX 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

The inquiry stated below is unfamiliar to me. Therefore, Its unauthorized to pull my credit report. This issue was addressed to TransUnion but until now, I have not heard any feedback from them. They have failed to comply with the FCRA law 's rule and all information was erroneous. 
XXXXXXXX XXXX Date of inquiry XX/XX/2021
Product: Checking or savings account

I sent my coupon bonds/securities via over night mail to Navy Federal Credit Union XXXX with instructions for them to deposit the face values of said bond/securities as they were assigned to them for processing. When I talk to the customer services reps the first time they read to me something about my securities not being legal tender. Them saying this lead me to believe that the instructional letter was not read or not understood. In which case I asked them what did I need to do the get them to deposit the coupon bonds into my account. After calling a few time I was reserved to the fact that I would need to talk to someone that understood what was going on. I was told I could not talk to any other department about this matter nor would they be processing these securities, knowing that Navy Federal Credit Union is apart of the medallion program I understand they can do this process. They still refused to follow the instructions on the letter and complete the process, so I asked for my coupons/securities back and I have yet to receive them. By now those coupons/securities have been use for there benefit so returning them defeats the purpose.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, submit this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against XXXX, XXXX, and Experian for ongoing and egregious violations of federal laws under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). My credit file across all three bureaus contains two fraudulent 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, which violate 15 U.S.C. 1681b ( c ) by failing to ensure permissible purposes for accessing my credit report. Despite my repeated efforts over more than 30 days, including requests for verification, contracts, and signatures, the bureaus have failed to remove these inaccuracies.

These bureaus have violated 15 U.S.C. 1681e ( b ) by failing to ensure maximum accuracy, 15 U.S.C. 1681i ( a ) by failing to investigate or remove unverifiable information, and 15 U.S.C. 1681c-2 ( a ) by neglecting to block fraudulent accounts and inquiries within four business days of receiving proof of identity and a police/identity theft report. Additionally, furnishers of these accounts violated 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) by knowingly reporting inaccurate information, and the bureaus failed to comply with 15 U.S.C. 1692g ( a ) by not providing proper debt validation notices within five days prior to reporting. 

I demand the immediate removal and blocking of these fraudulent accounts and unauthorized inquiries across all three bureaus, without further delay, and written confirmation of these actions. The bureaus ' ongoing noncompliance leaves me no choice but to seek remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations of federal law. CFPB enforcement is necessary to ensure that these actions are completed without further delay.
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.