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

I'm not sure how or why the Credit Reporting Agencies are allowed to violate the rights of consumers and completely disregard the Federal Laws. Or, why the CFPB does nothing to hold them in compliance or enforce the Federal Laws that they are supposed to. The three Credit Reporting Agencies are supposed to comply with the Fair Credit Reporting Act yet NEVER do! I have disputed inaccurate, incomplete and unverifiable information on my credit report several times and they do not investigate the items, claim that they do, and the creditors swear to me they are not reporting the information the credit reporting agencies are reporting. On top of that they DO NOT Respond with investigation results that is also required by the FCRA! I have sent a number of disputes by mail and they DO NOT respond with the investigations results even when I send the disputes by certified mail. When I contact them they lie and say they never received a dispute after the XXXX XXXX confirms delivery. How is it that the Credit Reporting Agencies can completely disregard the Federal Law and violate the rights of consumers and the CFPB or the FTC do nothing to hold them accountable? 

I have disputed items that are reported different on all three bureaus, including payment history on accounts. One will have no history, the other will say perfect history and the third will show late payments. If all the information is coming from one creditor how come all three credit reporting agencies report the information completely different? I have disputed this and other inaccuracies several times including, dates, amounts and the status of accounts that are reporting completely different on all three bureaus. THAT IS ILLEGAL! All information must be 100 % Accurate, Complete, and Verifiable. I have disputed these inaccuracies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX and let the credit reporting agencies they are violating the law and I get nothing in response, they do not correct, complete or verify any information. I contact the creditors and they tell me they are not reporting the information the credit reporting agencies are reporting which proves they are not conducting investigations or complying with the Federal Law as required by the FCRA. They used to send a form letter stating they completed an investigation yet still report the inaccuracies the exact same way. In most cases you can just look at the account and see that what they are reporting is wrong yet they never correct it. Now they don't even respond at all. The FCRA states they are required by law to respond within 30 days, THAT NEVER HAPPENS, and now they don't respond at all! I can understand with COVID not being able to respond in exactly 30 days but to not respond at all is egregious! How are these corporations allowed to take advantage of consumers and report information that is untrue which is making it more difficult financially for Americans to recover from the financial crisis of a pandemic. The credit reporting agencies should be held accountable and hopefully the CFPB will do their job here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Experian and XXXX have acted on a fraudulent report from XXXX XXXX XXXX without performing any due diligence to lower my credit score by about XXXX points. When I called the organizations to dispute the charges, both organizations state they need 30 days to restore my credit even though I have the overwhelming evidence to prove the amount XXXX is stating I owe is fraudulent. It is unethical that the organizations will instantly drop a consumer 's credit score but will not restore it until after they complete their " investigation. '' Further both Experian and XXXX are attempting to circumvent the the Federal Fair Credit Reporting Act ( FCRA ) by preventing customers from reporting and providing evidence to dispute fraudulent charges. Experian does not list the correct phone number for customers to call to dispute the charges. Their listed dispute phone number XXXX does not provide customers a way to speak to an agent. The correct number is XXXX which is hidden. For XXXX, a customer can easily call in a dispute however they provide no easy way for a customer to submit supporting documentation. They request all evidence to be mailed to them via snail mail like it is the early XXXX.
Product: Credit reporting or other personal consumer reports

This all started from my information being breached I began to see unverified information in my credit report, attached I have correspondence between me and XXXX XXXX  showing and proving I was scammed out of money. I showed proof the fake loan acceptance. Then I had to write them a letter disputing the charges with a copy of my id and my signature. After they still made me liable for information and it has hit my credit score in late payments and charges off which has dropped my credit approximately XXXX XXXX, Once I showed all proof I have contacted these companies about removing negative remarks off my credit score because of identity theft/ fraud I have had no correspondence just negative remarks on my credit score
Product: Student loan

My loans were transferred from the XXXX to Navient. Once that happened my loans have not been the same, it seems as if the interest rate is incorrect and very hard to repay back. I consolidated my loans and now I have the old XXXX loans and Navient ( Who use to be XXXX XXXX ) loans on my account looking as if I have multiple loans, when really they are just one loan reported twice. I have called and complained plenty of times to Navient and they said it was out of their hands, but they are the only ones who can correct any of my issues with them. I am concerned with the interest on my loans, with the rate that I am going I will never be able to pay them back. I really hope someone stops Navient from doing what they do and I hope I can get help with my loans. My goal is to have any loans my Navient completely erased as a penalty of their wrong doings.
Product: Credit reporting or other personal consumer reports

Inaccurate information on my credit report and background checks causing list of jobs and revenue
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Outsource Receivables with account balances $XXXX and $XXXX are reporting collections in violation of my 30 day right to dispute. I was never given any notice of these collections and only became aware of them when I checked my credit. This is in violation and they need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have been with " XXXXXXXX XXXX  '' for the last XXXX years with my primary home mortgage and never been late. All my correspondences are on line via email since I don't check any physical mails and all my payments are set up as auto pay directly from my bank account for convenience so that I don't have to worry about being late, late payment fees and to keep healthy credit score!!! 

Recently, as of XX/XX/2024 XXXXXXXX XXXX  sold the mortgage to " XXXX XXXX XXXXXXXX '', which I was not aware of since I don't check any physical mails, as I have mentioned earlier. After receiving a " certified mail '' I came to know that the loan has been sold to the XXXX XXXX  XXXX After receiving the letter I have reached out to XXXX XXXX XXXX XXXX paid XXXX months of outstanding payments and set up an auto payment immediately, including a bi-weekly payment. 
XXXX XXXX even removed the late fee for XXXX month and told me that I will not be considered late since I have cured the breach within 90 days. 
Soon after I made the payments, I found out from the credit bureaus that XXXX reported my payment as late and my XXXX XXXX dropped by more than XXXX points!!! 

After the incident, I have reached out to XXXX XXXX again and explained them the situation. The XXXX apologised and told me that it shouldn't have happened, but she can't do anything since that's above her pay grade and suggested me that I should send an email to XXXX corporate office and asking them to remove late payment notification from credit bureau at XXXX, which I did immediately on XX/XX/XXXX. Till todate I have not received any communication from XXXX and it's hurting my credit and financial obligations. Here is my details- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Loan # XXXX Ph # XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a matter of great concern related to my Department of Education/XXXX XXXX account. It has come to my attention that there are potential violations of the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974.

I believe that the Department of Education and XXXX, the loan servicer, may have violated my rights under these federal statutes. FERPA applies to any public or private elementary, secondary, or post-secondary school, as outlined in 20 U.S.C. 1232g ( b ). The FCRA, found in 15 U.S.C. 1681, regulates the collection, dissemination, and use of consumer credit information. Additionally, the Privacy Act of 1974, codified in 5 U.S.C. 552a, safeguards the privacy of individuals ' personal information held by federal agencies. 

I am particularly concerned about the recent practice of XXXX reposting transaction history to my credit report. This unauthorized reposting of transaction history has had a significant impact on my credit standing, and I believe it constitutes a violation of the FCRA and FERPA.

Despite my efforts to address these concerns directly with the Department of EducationXXXX , I have encountered significant challenges in obtaining a satisfactory resolution.

I am seeking the Consumer Financial Protection Bureau 's intervention to investigate these alleged violations thoroughly and ensure that my rights are protected and upheld under FERPA, FCRA, and the Privacy Act. I believe that a comprehensive review of the matter will shed light on the potential breaches and facilitate a resolution.

Enclosed with this letter, you will find copies of relevant documents of my credit score.

I kindly request that you conduct a thorough investigation into this matter and take appropriate action to address any identified violations under FERPA, FCRA, and the Privacy Act.

Thank you for your prompt attention to this issue. I look forward to a resolution that ensures the protection of my rights under these important federal statutes.
Product: Debt collection

XXXX is reporting two separate debts they're claiming that I owe. I have not used them as my insurance company and have been steadily insured by the same company through the period in which they're trying to claim a debt for. They've sold the debt to a collection agency which is harassing me by placing new collections on my credit report every other day. My score has dropped over XXXX points in the last 20 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I reported a error to XXXX. They started a dispute and said they could not remove the report and had to do it manually stil no answer. I called Regions and had a letter in my hand within a week.
Product: Debt collection

I had a judgment on my credit report with XXXX, XXXX, and XXXX. I made monthly payments and now The debt is paid off in full. But the judgement is still showing on my XXXX credit reports. The debt collector failed to report that the debt is now paid in full.
Product: Credit card or prepaid card

Capital One increased my rate on my card without a 45 day notice to give me the option to opt out of the new increase. I see hundreds of people on their XXXX site saying the same exact thing. How can they increase without letting consumers know in advance? Even the customer support rep I spoke with had no idea.
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 unverified 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 furnishes, 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 disputed items despite the evidence I provide, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Student loan

Subject : Request for Relief for Private Student Loans Used to Attend XXXX XXXX XXXX I am writing to bring to your attention the financial challenges I am facing as a borrower who attended XXXX XXXX XXXX. Like many others, I relied on both federal and private student loans to finance my education at the institution.

Currently, I am diligently repaying my private loans through Launch, but I am encountering significant difficulty due to the terms of the loan. My lender, XXXX XXXX XXXX XXXX, has imposed a high interest rate, rendering my monthly payments unmanageableespecially since I lost my job in XXXX. 

I am reaching out to urge you to consider extending student loan relief to borrowers who, like me, used private loans to attend XXXX XXXX XXXX between XX/XX/XXXX, and XX/XX/XXXX. The Department of Education recently announced federal loan forgiveness for borrowers from this period, citing XXXX XXXX XXXX  misrepresentation of job prospects. 

It is reasonable to infer that similar misrepresentations may have affected students who relied on private loans. As a result, many of us are now grappling with significant debt for an education that may not have met the promises made to us, leading to undue financial hardship.

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) consider providing relief for private loans used to attend XXXX XXXX XXXX  during the same period covered by the federal loan forgiveness program ( XXXX ). 

Thank you for your time and consideration of this matter. Your support in addressing the challenges faced by borrowers like myself would be immensely appreciated. 

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

I believe I have fallen VICTIM of their inquiry issue. 

My TransUnion Credit report is showing multiple hard inquires that I am not aware of as I keep a very close eye on Credit Reports working had to maintain an Excellent credit profile. 

XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX
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. convergent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Has violated my rates. 



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

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete the following items that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

TD Bank will not allow me to move money from my checking account into another account at XXXX, a California based bank. It seems as if TD does not want its customers to do business with any bank that has ties to crypto currency. 

XXXX has more trusted customers than XXXX XXXX, and I should be able to move money freely between MY own bank accounts. TD should remove the restrictions from their customers accounts and " allow '' them to legally do business with whomever they choose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I had went through the process of correcting my Experian credit report after my husbands identity was hacked through the Office of Personnel Management. At that time a Freeze was put on his credit file. I was told this morning I would have had a password sent to me. Neither of us remember getting a password from them. I called his morning because the car that we take our son to treatment for XXXX broke down and I was trying desperately to get a loan to get it fixed. XXXX offered to give us the funds but needed to access my husbands credit file that was frozen. I called Experian at XXXX XXXX XXXX. at XXXX XXXX XXXX and got nothing but computer mazes saying I had to write to them. I finally called around and got a XXXX XXXX XXXX number. I called it several times and was finally able to get a live person. I explained the situation and she still insisted on me writing a letter. I asked repeatedly for a manager and finally got a " XXXX '' who claimed was a manager, ( although suspicious ) I explained we disperately needed the loan and I could provide a proof of my sons illness and proof of the tow bill dated XX/XX/XXXX and the repair bill estimate if needed, she put me on hold and then said I could either pay her {$20.00} to overnight a password, or mail request. I gave her may credit card to overnight the password and asked for confirmation. She said she didnt have a confirmation. I asked why since I gave her my card to pay the {$20.00} fee to overnight and she again claimed there was no confirmation. Nothing to show she was going to overnight the password I needed. She seemed only interested in money, and not helping with the situation at all. I am very disappointed that this company takes all our information and seemingly holds it for ransom on their terms. More like extortion. They allow people to steal our credit, charge us to clean it up, put a freeze on our file, and then charge us to take it off. What a racket!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts are as follows : XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept of ed/XXXX XXXX # XXXX, # XXXX ), XXXX XXXX # XXXX, XXXX XXXX # XXXX. 


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 an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he information is inaccurate.
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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Attorney General # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I looked at my credit report and noticed some things were inconsistent and inaccurate. According to the Fair Credit Reporting Act in preparation a consumer reporting agency should assure maximum possible accuracy in their reporting according to 15 USC1681 ( e ) ( b ) And according to 15 USC 1681 5 they are supposed to do this 5 treatment of inaccurate or unverifiable information.

( A ) in general after any reinvestigation after paragraph ( 1 ) of any information disputed.