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

The way Experian handled my case entirely. All they did was send me an email stating they are nothing more than a credit reporting agency. Which they. Failed to mention they are paid to do so. So they must follow the laws and rules of fair and accurate reporting. I didn't sign or verbally agree to release any information for them to willing release. All they did instead of fix the problems the submitted disputes against each account on my report not addressing my prior concerns. I believe this whole issue has been misrepresented and not handled In a professional manor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Bank ( 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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Product: Student loan

I am a permanently XXXX veteran who applied for a XX/XX/XXXX XXXX and was approved. My Navient accounts at that time were sold to another lender. Those lenders discharged those loans however Navient refuses to remove those loans from the credit report and its labeled as negative. 

I have disputed and contacted Navient and provided the documentation regarding my discharge with no assistance and no documentation as to why they can not reflect the discharge. 

NAVIENT # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Date Updated : XX/XX/XXXX Date Closed : XX/XX/XXXX NAVIENT # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Date Updated : XX/XX/XXXX Date Closed : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my credit card ontime and XXXX still put a late payment on my report from XXXX, I have tried for 4 years now to get it off and they refuse to correct the mistake they made. The sad thing is I also work for them and they refuse to fix it. They also ran my credit four times without my permission. 

Unauthorized credit pulls XXXX XX/XX/XXXX citi XX/XX/XXXX. XXXX Equifax XX/XX/XXXX citi Euifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX
Product: Debt collection

I received a call on XXXX/XXXX/15 from phone number ( XXXX ) XXXX I asked that they stop calling me. The caller calls back and threatens me on my voice mail message. the message says Hello XXXX this is XXXX XXXX, and I really don 't appreciate you hanging up on my representative here or myself. He then says your coffee pot better be set to XXXX sharp because you will be getting a phone call every single day. You are set here on my list for XXXX including your family, then I 'll contact your job verify employment and send paper work. The caller is calling from XXXX.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must delete any wrong accounts from my credit report. Can you review the papers? Some listed accounts have errors in reporting, with wrong amounts and dates.
Product: Debt collection

I've sent validation letters to the creditor asking them to please validate that this debt is mine, on XX/XX/2018. It is now XX/XX/2018 and I have yet to get a response or proper validation. I'm asking that this account be removed from my credit report immediately. Thanks
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 Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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: Debt collection

I got a call on XX/XX/XXXX from person states name is XXXX XXXX says I owe a debt for {$4000.00} to company called XXXX XXXX. Told me about past jobs I haven't worked at in years LIKE 10 plus years, said he can collect my car again a car I don't even own anymore, told me about a checking account that i haven't had since over ten years may even be 20 yrs said if I don't pay that they will be taking me to court. I was thinking did i get a loan I remembered I did get one from payday loan place but I paid that to another collection agency so I thought maybe there was error then he states he can put it down for {$420.00} with {$80.00} installments he sent link once i clicked on it it allowed installments received a email from 1st point XXXX saying its payment department with phone # XXXX no email on or persons name when I looked up number it took me to The feed foundation in XXXX XXXX NC I then locked my card on XX/XX/XXXX I get a call from XXXX XXXX again telling me my account is on default and if I don't pay with in the hour they will start court process he called from XXXX but when he left voice message he left number to call back to XXXX and said reference case XXXX when I looked up the XXXX number said it was scam then looked up XXXX number took me to XXXX XXXX i got several emails and phone numbers I looked at my credit report nothing was on it saying I owe XXXX XXXX and this is beyond statue of limitations and at this point harassment emails are coming from 1st point XXXX when i go there it states not secure place to enter as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My computer was hacked/ has been hacked for years. Ive only ever recently started taking action, ive started disputing stuff with XXXX XXXX  but that takes too long. All of the hard inquires on my report are false.
Product: Money transfer, virtual currency, or money service

today, XX/XX/2022 ; a transaction from a client of mine was erroneously sent through cash app to the wrong recipient this is not the first time, I am an XXXX in XXXX XXXX, my name is XXXX XXXX XXXX the cash app also has a person named XXXX XXXX XXXX whether on purpose or accidental this person has been occassionally sent $ by people trying to pay me Today, XX/XX/2022 ; a XXXX XXXX dollars ( {$1000.00} ) fee was acciedentily sent to XXXX XXXX XXXX ( not me ) instead of returning the $ by request the XXXX XXXX XXXX recipient cuts off all allowed contact and the person sending me $ $ is out and the $ money never gets to me Over the years I know this has happened multiple times XXXX XXXX XXXX cash app is continuing to accept $ meant for me I do not believe the person is an attorney To my knowledge not once has XXXX XXXX XXXX ever returned XXXX $ please help if merely to tell me how to proceed thanks XXXX XXXX XXXX XXXX
Product: Credit reporting

I call XXXX on a bill that was not me and was told to call XXXX, XXXX, XXXX. I did and no help at all the address on the person it start XXXX?. XXXX, AR XXXX my address start XXXX XXXX XXXX. XXXX, AR XXXX. EQUIFAX has me I old {$85.00} to XXXX. 
I hade send 8 months ago copy of my ID no help at all XXXX tells me to call Equifax to take care of it so I call XXXX. XXXX XXXX for help I was told to go true Equifax can you please help me my name is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Everything on my credit report has been not only sold to collections therefore I'm no longer responsible for it once they were sold, but it all excceeds the 7yr limit by law n should not be still showing on my credit report ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion are reporting XXXX XXXX account on my credit report as being included in a Chapter XXXX bankruptcy. I have disputed this inaccurate information with both credit reporting agencies and they both came back and said that the information had been verified. Meanwhile XXXX XXXX sent me a letter stating that my correspondence does not provide sufficient information to investigate my dispute. Which means that XXXX  and TransUnion did not do their due diligence and are still reporting information as being verified but it is not accurate. This failure to truly correct this inaccuracy has caused me an undue hardship. I am attaching my documentation received for you to review.
Product: Prepaid card

I am unable to activate my prepaid card. I have called about 6 times and they will not validate or activate it. Then they said this card was subject to fraud, but would not replace it. They want me to fax them my SS # and government issued ID to a random number. No one on the phone will help. I have never used this card and it should have a full {$300.00} balance. I received the card as a wedding gift. 

The card was purchased on XX/XX/year> and never used. I am unable to use the card. I have contacted XXXX online and on the phone multiple times.
Product: Credit reporting or other personal consumer reports

I was approved for TOTAL PERMANENT DISABILITY DISCHARGE '' in late XXXX XXXX. The amount of XXXX was discharged to XXXX  and reported by XXXXDEPT. OF EDUCATION AND/OR XXXX. Subsequently, all 3 Credit Reporting Agencies were informed, yet EQUIFAX continued to report ( inaccurately ) that this loan is still open, and I owe a total of {$10000.00}. I have made repeated phone calls to EQUIFAX disputing the erroneous information they are reporting on my personal credit file. EQUIFAX has asserted the information that remains unchanged on my credit report is based on their investigation with THE DEPARTMENT OF EDUCATIONXXXX XXXX This issue has been unresolved since XXXX. As a result of this inaccurate information, I have had to pay higher interest rates on everything from a small auto loan, credit card companies, personal loans, auto insurance and a preliminary option to rent-to-own the townhouse I am currently living in. The undue stress, XXXX  and embarrassment has impacted me physically and financially. I am hereby requesting that this " error '' be reported truthfully to ALL CREDIT REPORTING AGENCIES. Especially, to EQUIFAX who has stated repeatedly, the information is based on their investigation of THE DEPT. OF EDUCATION.
Product: Credit reporting or other personal consumer reports

Experian has continued to report that is not mine. it's the only one of the three credit bureaus that continues to report it on my credit report. XXXX has confirmed that my personal information was a part of the credit breach. XXXX removed the XXXXXXXX XXXX from the credit file. I demand that Experian do the same and remove the account from my report immediately. XXXX XXXX account number XXXX. Experian reporting this incorrect information on my report is damaging my credit and causing me to pay higher interest rates and be denied credit.
Product: Credit reporting or other personal consumer reports

Please remove the inaccurate inquiry that is showing on my credit report. A copy of the notice has been provided from creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud a few years ago andI need my address update to my credit file to XXXX XXXX XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX DOB XXXX, SS XXXX. I have had my IDENTITY comprised at a previous address XXXX XXXX XXXX XXXX, OH XXXX, please delete or remove this address due to the fraud that happened to my credit there I don't want to be associated with this address and remove my name from any prescreened offers and promotion as well. 
Please inform the account below that I demand verification or validation if not please delete this account due to my previous ID theft I demand proof for any and all unknown accounts that I have never had a contract with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

Security Credit Services continues to report an illegally obtained/fraudulent account. 

The original account, XXXX, was paid in full and closed on XX/XX/2009. This account is currently reporting positively to all XXXX bureaus on my file. Security Credit XXXX, without any prior warning, opens a NEW collections account from this old paid and closed account- and begins reporting it as an open, past due collections account. 

FIRST, I do not owe this money. This account was settled and paid in full in 2009 directly with XXXX. 

SECOND, this account is LONG past the statute of limitations in TX ( 4 years ). It is absolutely 100 % illegal for them to continue to report this. I just purchased a new vehicle in the last month, and because this illegal debt collector has added this account to my report, i was not only DECLINED for credit, but it SEVERELY and ADVERSELY affected my interest rate. 

Now, I have incurred damages as a result of this fraudulent collections account and will need to refinance my new vehicle loan as a result, once this is deleted. 

I *will* be pursuing additional legal action after this complaint has been addressed with CFPB, if necessary.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
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 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 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.

Section 607 15 USC 1681 ( E ) Compliance procedures 15 USC 1666 Correction of billing Errors
Product: Mortgage

This is my XXXX complaint with Ditech and XXXX. This situation has been ongoing since XXXX XXXX. I 'm doing everything I can to keep my home. Ditech foreclosed on me XXXX XXXX, XXXX and after filing my XXXX complaint with CFPB they rescinded the foreclosure in XXXX XXXX. At the current I 've been paying rent on my home. 
A new appraisal was done to get the true value. The new price is {$69000.00}. The foreclosure price was {$98000.00}, my underwater price was over {$100000.00} dollars. The agent has requested several times for a price I would have to pay to get my home back, but has yet to receive an answer. They will not let me or my son purchase it for the new appraisal price even though they are allowing someone else to do so. I just want a fair price so that I can keep my home. 
XXXX have stated in a letter that I have the option to purchase but have yet been given that option. If any help can be done by your company it will be deeply appreciated. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently started to repair my credit with the assistance of XXXX XXXX. During my review of my credit reports there had been a hard pull by Trans Union as a request by a Mortgage Company called XXXX XXXX, located in XXXX Texas and it is a Military Financing Company. 

XXXX XXXX sent out letters to both Trans Union and the Mortgage informing them that I had not applied for a Mortgage and that the information should be removed from my credit. 

To date I have not heard from the Mortgage Company and Trans Union refuses to accept liability.
Product: Credit reporting or other personal consumer reports

I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT. THE CREDIT REPORT SHOWED CREDIT INQUIRIES BY DIFFERENT COMPANY THAT I DID NOT AUTHORIZED. 
XXXXXXXX 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: Payday loan, title loan, or personal loan

I applied for a payday loan for the amount of {$850.00} with the agreement to pay back {$1000.00} ( loan + interest ). Refinancing the task and postponing the payment two weeks resulted in a total amount of well over {$2100.00} due. This was XXXX this year and I am still paying it back due to an installment plan I set up over the phone, but the agent I spoke with could not give me a clear reason why I ended up paying almost 3 times the initial loan amount.
Product: Credit card or prepaid card

I made a purchase at Home Depot using the Home Depot credit card in XXXX and paid the bill in full online before the XX/XX/2020 statement closing date. Home Depot did not send to me the XX/XX/2020 credit card statement. I asked Home Depot to mail or provide an electronic credit card statement for my records but they said that they do not generate a credit card statement when the balance is XXXX  even if the account had activity during the period. I need the statement for my tax records and for proof that I paid the bill. Other credit card companies provide a statement for any statement period with activity.
Product: Debt collection

XXXX XXXX, Settlement Director with Atlantic Recovery Solutions, LLC contacted my father via his cell phone and told him that ARS was trying to collect on a debt that I have. XXXX XXXX proceeded to email my father a document to his personal email stating that they are trying to collect a debt on behalf of XXXX. Per the FDCPA, it is illegal for a debt collector to share any information regarding a debt with a XXXX party other than the conusmer, their spouse or an attorney. My father called me and forwarded me the document that XXXX XXXX had emailed him. I immediately checked my credit report and there is no reporting of this debt with any of the XXXX credit bureau agencies. I attempted to contact XXXX XXXX to obtain more information at XXXX x XXXX and spoke with XXXX XXXX, XXXX of the account representatives, she then transferred me to XXXX XXXX at XXXX who states that she is their compliance officer. I gave XXXX XXXX my name and she asked for me to confirm my father 's phone number and his social security number. I told her that I would not give her that information. She confirmed the last XXXX digits of my SS # and proceeded to tell me that XXXX has been trying to collect a debt for unpaid overdraft fees on an account that has been inactive for XXXX years. She indicated that XXXX, the original creditor, another collection agency by the name of XXXX XXXX XXXX and finally Atlantic Recovery Solutions have been trying to contact me for XXXX years to recover this debt. I asked how they had tried to contact me and she told me they had tried to call and had sent numerous letters. I asked for the numbers that they tried to reach me-they had a list of XXXX phone numbers that they had attempted to use to contact me-only XXXX of them belonged to me, the rest were for friends and family members. She indicated that there had been numerous letters sent to me trying to collect the debt. I have not received any letters from XXXX, XXXX XXXX XXXX or Atlantic Recovery Solutions even though they have my address on record. I told her that her organization was in violation of the FDCPA by sharing my information not only over the phone with a third party but also electronically. I also requested that a letter of validation regarding the debt be sent to me.
Product: Credit reporting or other personal consumer reports

This account was charged off for the amount of {$220.00}. However XXXX  has reported that his account as charged off on my consumer credit reports. I am requesting a copy of the 1099c.