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

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX  late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I noticed an error reporting on my credit report where XXXX and reported a late payment to the CRAs that I paid my account late. I contacted XXXX to correct this because I have been a customer of theirs for XXXX  years, and have always had great payment history. Then, I contacted the CRAs also to fix this error, but they only partially fixed it. 

The problem is that the status shows " paid as agreed '' but it is RED not GREEN, so when I pull my credit report it's showing a derogatory remark. This needs to be fixed ASAP! I'm so tired of contacting these companies repeatedly to fix a mistake they made. It's exhausting and I just need this corrected, because it's impacting my mental health.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am trying to apply for a checking account, but it says I'm in the checks system ( I need to be removed from the checks systems ), so I logged in my XXXX XXXX and seen I have XXXX  closed accounts on my credit report I have no knowledge of. XXXX  capital one accountsXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX. I have no knowledge of none of those accounts. 

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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX  capital one accounts, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX. However, they 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 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.
Product: Debt collection

I received an alert from the credit bureaus that this collection account was added to my credit report on XX/XX/XXXX. When I logged into my credit monitoring service the information listed reflects that the collection agency I C System, located at XXXX XXXX XXXX XXXX XXXX MN, XXXX. Phone XXXX states that the partial account number XXXX was opened with them on XX/XX/XXXX in the amount of {$530.00} and that the original debtor is XXXX XXXX. I have never heard of this debt collector prior today. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 4 times today ... ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail.
Product: Student loan

On XXXX, I sent a letter to American Education Servicers, better known as " AES '' to explain that my loan has passed the 25 years mark and that my loan should be cancelled and sent to the IRS as a cancelled debt. 
They have not shown me that they have proof of my original loan that would validate that it has been 25 years. They instead respond to my letter with a suspect copy of a document with " my signature '' and is dated XXXX. It does not have any information that is recognizably reflecting my school, current address or attendance date. 


I also just found out that all this time when I was asking for income-based repayment, all they did was keep giving forbearances instead of taking the calculating a payment for me based on my income all these years. 

In XXXX, AES also responded to my letter by just sending a " Your Payment Is Due '' statement. In XX/XX/XXXX, they denied me another forbearance and then sent another letter asking if I would want to request forbearance papers again. 

They are not honoring anything they have sent to me regarding the policies of student loan debt collection and know that my student loan should be closed out and cancelled immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX New York XXXX Birthdate : XX/XX/XXXXXXXX  Social Security : XXXX  To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) 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 There should only be one address listed on my report, which XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I also noticed that my name appears to be misspelled on my credit report XXXX My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INCORRECT PHONE NUMBER XXXX Please remove inaccurate employers as well as listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim and I've attempted to resolve this matter with both parties but receive no results.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB - CARD SERVICE XXXX, JPMCB - XXXX SERVICE XXXX, JPMCB - XXXX SERVICE XXXX, JPMCB - XXXX SERVICE XXXX, JPMCB - XXXX SERVICE XXXX, JPMCB - XXXX SERVICE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian had a security flaw in which our personal Credit Freeze PIN numbers may have been exposed. They never notified us, but I found out about it from XXXX XXXX the Consumer Advocate. Since the PIN is generated by Experian, I would like to change the PIN for a new one in  order to ensure that the previously exposed PIN due to Experian 's security flaw can not be used to thaw or otherwise access my credit. 

Experian does not offer a way to change the PIN or even request a new PIN on their website. I have tried numerous times to call Experian to resolve and have a new PIN generated, but I can't get through the automated system. It will either try and sell my a credit monitoring service or hang up on me. 

Since this is a somewhat series security issue and could allow criminals to circumvent the credit freeze, I would like Experian to honor the terms of the FCRA and generate a new PIN to ensure my account security.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting or other personal consumer reports

VICTIM OF IDENTITY THEFT YET BUREAU HAS FAILED TO DO THEIR INVESTIGATION
Product: Credit reporting or other personal consumer reports

I haven't had a free XXXX XXXX in 2 years from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - Credit pulled by USBANCORP, XXXX XXXX, and XXXX XXXX XXXX. XX/XX/2021 - Credit pulled by USBANCORP. 

I did not myself request my credit to be pulled for any reason. I have no accounts with any of these lenders. 

XX/XX/2021 - I called USBANCORP and they suspect fraudulent activity. I also called XXXX  and they recommended I submit a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit with the big 3 when the equifax breech occurred. When i went to temporarly reverse the freeze, equifax required that i provide my ss # ... ... it wasnt good enough to provide the last 4 digits as well as the pin code I was required to save in order to reverse the freeze. It takes a lot of nerve for a company to ask me to punch in my ss # into some computer netherland to a company that lost it to thieves in the first place ... .i know that the freeze is working as i have applied for a credit card and was told hat the freeze blocked the application ... ..clearly, EQUIFAX has my ss # and I should be able to identify my account with the numbers i mentioned ... ..HOW CAN YOU LET THEM CONTINUE TO ASK FOR INFO OPEN TO BREACH!! 


THIS MAY APPLY TO XXXX AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notifying Experian for two about their inaccurate and fraudulence of I have sent numerous letters into Experian in addition to contacting Experian over the phone in an effort to deal with this on my own and have gotten nowhere with them and for these reasons I have decided to move on to litigation. I have notified that them and expressed my understanding on the federal laws 15 USC 1681N and informed them that any account that is inaccurate by law MUST be removed within 4 days. I have also notified them that I am protected when it comes to my consumer report and what is permissible as it relates to what they are legally responsible for when it comes to reporting accurate information about consumers. I have even notified Experian about their responsibility to follow the guidelines under the METRO 2 CREDIT REPORTING SYSTEM and they have refused to deleted this inaccurate account. 
I have also requested that Experian provide me with the required documents that show in detail pursuant to Section 611 ( a ) ( 5 ) ( A ) ( i ), documenting how they have conducted the investigation of this alleged account and I have never received any of the requested documentation. Pursuant to this law if the documentation can not be provided then the account MUST be DELETED! Each time their remarks of my report show that the debt was VALIDATED AND VERIFIED and the account remains on my consumer report. 
I have also notified Experian that due to their inability to verify said account pursuant to 15 USC 1681i that all accounts that are not METRO 2 COMPLAINT must be DELETED. However, this account still remains on my consumer report.
Product: Debt collection

Outsource reported debt on my son 's social security number when it was not his. His father has the same XXXX name and they reported his debt as my sons. Now they feel it is n't their problem to fix it. They made no effort to get the social security number before sending it to the reporting bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam. 

A recent review of my credit report turned up information that is inaccurate. Please refer to the attached report, where I have circled the item ( s ). Please remove the below addressed and employment history from my credit report. 

Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX, FL XXXX Employment : XXXX XXXX XXXX XXXX XXXX Please investigate these matters and delete the disputed items as soon as possible. 

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

On XXXX XXXX i sent an certified letter to XXXX and Equifax stating that there are collection accounts that are reporting " OPEN '' which is against FCRA guidelines and theses collection accounts are being reported INCORRECTLY and should be removed. As of XXXX XXXX there has been no change regarding this Matter.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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: Credit reporting, credit repair services, or other personal consumer reports

//TRANSUNION - I GOT A POLICE REPORT FOR IDENTITY THEFT FILED A IDENITY THEFT CLAIM ON XXXX FROZEN, BLOCK THIRD PARTY COMPANYS. UPLOATED DOCUMENTS ONLINE/ XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX I never gave permission for the companies to run my credit report please have the credit bureaus to provide me proof of the inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a credit card opened fraudulently with my identity in 2019 in XXXX BANK DELAWARE and was used beyond the limit. There was no payment made towards it. 

Currently it shows against my name with missed payments for the last 2 years or so and had taken a heavy toll on my credit score. 

As a result my auto loan APR went to high, I am not able to get any new credit line from any financial institution. I am facing a heavy financial turmoil and difficulties due to this. 

I had tried to dispute the same through credit bureaus [ Transunion & XXXX ] several times in the past few months. But everytime the bank rejects saying that its a valid account. 

I confirm again this account was not opened or used by me at all. 

Please help me out. Thanks in advance.
Product: Credit card or prepaid card

I paid my credit card bill, the payment was accepted and then overturned. There was no reason given for why the payment was recieved, accepted then overturned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX have a copy of my bankruptacy petition and the discharge from aboiut two decades ago and thei can't tell me if the amopunts on my credit report are accurate. 

I went with the consolidation under teh Obama Administration and loans were consolidation. I had and have no idea if loans covered by the bankruptacy are removed. 
I am getting no assistance but I know the numbers are likely wrong and I am struggling getting information from teh National Student Loan Database.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccurate information in my EQUIFAX credit report. I tried to fix the issue by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as Payment status, payment history, date opened, and balance are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, This complaint is regarding lack of transparency in sharing Credit Score by the credit bureaus. This particular one applies to my recent interaction with XXXX  on XX/XX/XXXX. I saw my score dropped by XXXX points since last month. Earlier, it was a long 9 points drop on the note that " one of my credit card had closed and the file was thin ''. However, I haven't had any hard inquiries on my file since XX/XX/XXXX. When I ask the representative how did they determined my current score at XXXX. The agent replied I should check with my Credit Advisor. Now, I don't know who is that? So, I asked for who were they referring to? The agent replied-check with the bank because the bank provides them the info. Now, I have not missed any payments and all my credit cards current - and, this info. also shows on their credit reports but why my score went down? the agent had no answer. I plan on applying for a refinancing but with a score of XXXX my chances of getting a good rate is beyond bleak. I am disadvantaged. It is difficult to get a home where I live on top of everything else my score which is the only important tool for me to negotiate with lenders is putting me down in the game. 
I would like to request your office to share any guidelines for an everyday consumer like me who have no idea how this most important area/scoring works? Or, if there are no guidelines and it is up to these 3 credit bureaus to run our lives then I must write it is time that we need to take a look at the current system.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT ISNT MINE, I AM NOT RESPONSIBLE FOR THOSE ACCOUNTS, I AM A VICTIM OF ID THEFT, PEOPLE HAVE USED MY INFORMATION TO OPEN THEM. 

-AXXXX XXXX XXXX  {$120.00} XXXX XXXX XXXX {$2600.00} -US DEPT OF EDUCATION
Product: Vehicle loan or lease

I was a co signer on a XXXX car loan. The credit agency shows the account listed twice on my credit report instead of once. Then, it shows I was 60 days past due and theres no data for any payments I made from XXXX until XXXX & XXXX. I was not 60 days late and I paid the entire loan off. I would like the information to be updated to show my payments made correctly every month for XXXX and for the account to be listed once not twice and to be shown as the loan is paid off. The reported no data and missed payments and days behind is all listed wrong under XXXX XXXX and XXXX XXXX. ( The other person on the loan ) please correct this info so I can purchase a home. 21 late payments & 60 days past due is also incorrect.
Product: Mortgage

This is a request for postponement of trustee sale scheduled for XX/XX/2019 as sellers are in contract. Buyers need 18 days to close escrow. Estimated close of escrow is XX/XX/2019. 

Last Monday, XX/XX/XXXX, I sent email to the trustee and the loan servicing company, Shellpoint Mortgage of this request but until now have not heard anything. 

I need the confirmation of the postponement of the trustee sale in writing. 

Thank you.
Product: Debt collection

Procollect address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX debt owed : {$9400.00} + XXXX Procollect has been trying to collect a debt, that's not in my name and its keeping me from trying to get a new apartment, this incident happened back in 2021, during covid-19, they stated I had to pay this fine i owed. please help with this they keep selling my debt to different collectors, that i did NOT AUTHORIZE, I DONT KNOW THIS COMPANY, I HAVE NEVER DONE BUSINESS WITH THIS COMPANY, THIS COMPANY DOESN'T HAVE A CONTRACT WITH MY SIGNATURE.