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

I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : 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 Continental Finance Company LLC 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX CarMax Auto FinanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 usc 1861 section 602 states i have rights to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer plan as late for any purpose.

I took action of disputing this matter and even asked company to remove late payments in accordance with the law and was unsuccessful.
Product: Credit reporting or other personal consumer reports

Over the last 15 years I have had to protect my personal information due to my compromised/stolen information and continued efforts to open lines of credit, obtain goods and services all using my stolen personal information. On or around XX/XX/ I discovered during a recent attempt to purchase a vehicle several accounts and portnetional additional accounts attempted to be be opened using my personal information. With the help of law enforcement they were able to determine eacha ccount that was opened fradulantly using stolen information. Based on the information provided and witht he assistance of law enforcement I was instructed to file a formal complaint with law enforcement along with otaining an affidavidt of forgery due to identy theft a Ca. Penal Code Violation 530.5 ( a ). In addition to law enforcements findings I was given a set of instruction including but not limited to sending all supporting documentation to all three credit bureaus for immedate " Blocking '' of the identity theft cases. On or around XX/XX/XXXX TransUnion received the packet outlining the identity theft entries. During the review process TransUnion failed to " Block '' one account which was verified by law enforcmeent as being opened on the internet with XXXX payments made. In addition they varified signatures and marked this account listed in XXXX XXXX a identy theft. In addition there were several inquires and past addresses that have not been updated despite being outlined by law enforcement as fraud.
Product: Debt collection

On XX/XX/XXXX, the company XXXX was notified that my credit report reflected an account opened in my name which I did not recognize and understand was fraudulently opened. Also this was reported to all credit evaluators and to the FTC to support my claim. On XX/XX/XXXX, he was contacted by a collection agency stating that they had been hired to collect the debt that is not mine. I will immediately proceed to send again all the evidence that supports my case of identity theft and that said account was opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2019 and XX/XX/2019, my wife and I were in XXXX XXXX XXXX, Utah assisting our son in remodeling an apartment into which he was planning to move. As I bought materials on, or about, the XXXX, I was invited by the vendor, XXXX XXXX, to apply for one of their customer credit cards, offered through XXXX XXXX. I agreed and they issued an immediate {$50.00} credit against my bill of {$62.00}, leaving me with a XXXX dollar balance, which i left on the card for my son to pay at a later date. However, I made an error in the address given, and the bill, subsequently, failed to reach him. At that time, my credit score was ~790, depending on which of the big three credit bureaus checked. Of course, neither my son, nor I, knew anything was amuck for some, and by the time I learned of the overdue debt, ( ~about XXXX of 2019 ) my FICO score had dropped a hundred points. Meanwhile, my wife and I were planning to buy or build a new home somewhere in the western US, and had begun getting pre-approved with XXXX XXXX. The results where quick and favorable due to our high credit score and present cash flow. Fast forward to now, we didn't buy, we opted to build in XXXX XXXX, OR and put down earnest money in XXXX. 
Now, here comes XXXX XXXX XXXX credit enhancement team on the phone ( ~XXXX XXXX ), offering to help me repair my marginally low credit score! I had paid off the {$12.00} balance on the XXXX XXXX XXXX, but was shocked to see that puny {$12.00} had dropped my score about 95 points, an event which could cost me $ XXXX over the course of our pending mortgage. My recent efforts with XXXXt to remedy things has proved very frustrating. First, they said to pay-off one of my credit cards and have the company in question send a letter to that effect, and they would bump up my score accordingly ( ~40 pts. ). I told them we pay-off all our cards each months, but are also using them for all our everyday purchases and some auto-pays, as well. This made it tricky to show a XXXX   balance and get a " XXXX  balance '' letter in the works at the same time that we are still alive and spending. But I did it anyway and called XXXX to brag, when they surprised me once again with some baloney about their computer model having updated to a new format that no longer allows a bump-up for XXXX  balance ; now it requires a small balance, but only one that is current ; i.e. not yet being charged any interest ... ... ... ... ... .IS IT BEGINNING TO LOOK LIKE THE BANK/CREDIT BUREAU THING IS A CABAL? I MEAN, THEY HAVE PUT ME THROUGH THE WRINGER OVER XXXX BUCKS!!! AND APPEAR TO BE INTENT ON ONLY ONE OUTCOME ... .HIGHER INTEREST RATES AND FEES ON MY MORTGAGE. If you have a solution, I will look forward to your response. If you have an explanation, please skip it and save us both some trouble. 
Yours truly, XXXX XXXX XXXX
Product: Student loan

I had 2 federal loans under the XXXX XXXX  with XXXX, which were transferred to Aidvantage during the pandemic. All federal loans were placed into an interest free pause during the pandemic and XXXX  was supposed to automatically enroll into the new XXXX plan, once the interest-free payment pause ended. The online portal didn't show my auto-enrollment, and after multiple attempts to sort this via telephone/chat, to no avail, I filed a complaint with XXXX in XXXX XXXX received a reply to this complaint via Aidvantage on XX/XX/XXXX saying XXXX needed to take no further action, and that things would be resolved soon. I never received anything else from Aidvantage on the matter. 

The payment pause was extended until XXXX XXXX and my online portal still showed discrepancies. I could not get through via telephone to anyone at Aidvantage, so on XX/XX/XXXX I filed recertification for the loan plan online to be safe. Nothing happened, and I ended up filing again in XXXX. I spoke to agents multiple times via chat from XXXX XXXX XXXX and was told my loans were in the federal payment pause and the XXXXXXXX XXXX. 

Forward to XX/XX/XXXX and I find out that my XXXX  was never auto-enrolled into XXXX, and neither of my applications were processed. I documented this in a chat with an agent, who confirmed he saw both my applications for the XXXX XXXX  and that it should have been processed. This worried me, as I made payments during this time. Additionally, due to lawsuits interfering with the loan repayment plans, the government instituted another interest-free forbearance, which I missed out on due to the failure of Aidvantage to enroll me into the XXXX XXXX. This agent said he would make sure my applications for XXXX were processed correctly. 

Forward to XX/XX/XXXX and I'm told by an agent on the phone that she doesn't see any evidence of any attempts to enroll in the XXXX XXXX, and that my plan is expired and accruing interest under the normal forbearance. I am currently still in normal interest accruing forbearance and this entire situation is costing me thousands of extra dollars due to Aidvantages inability to correctly service my loans. 

Every time I chat, I ask for confirmation that my loans are processed. I ask for transcripts of the chats. They say they can not provide transcripts of chats, nor can they send confirmation of enrollment. There needs to be accountability.
Product: Debt collection

To Whom It May Concern : I am writing to file a formal complaint against Fair Collections and Outsourcing for attempting to collect on a previously disputed and invalidated debt. The debt in question was previously investigated by all three major credit bureaus- XXXX, XXXX, and XXXX- and determined to be incorrect around the XXXX - XX/XX/year> timeframe and again in the XXXX. Despite these determinations, Fair Collections and Outsourcing continues to pursue collection activities and its harassment of me through their persistent and clearly malicious attempts to collect this invalid debt that does not exist. Their actions are causing me significant distress and threatening my credit standing, which was already negatively impacted by their previous improper collection attempts. This behavior appears to violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using unfair, deceptive, or harassing practices. I request that the CFPB investigate this matter and require Fair Collections and Outsourcing to : Cease all collection activities related to this invalidated debt Remove any related negative information from my credit reports Provide written confirmation that they will stop pursuing this debt and finally that Fair Collections and Outsourcing or the company of original debt ( XXXX XXXXXXXX ) no longer be able to contact me regarding this nonexistant debt that they use as an excuse to constantly and maliciously harrass me. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan with XXXX XXXX XXXX  today XX/XX/2020 and I was told that I did not qualify for the loan because there is an account reflecting badly on my credit report. The account is XXXX XXXX XXXX for the balance of {$25000.00}. This account is not mine ; I never opened t nor did I ever allow anyone to open this account on my behalf. I looked into this more and found out that this account possibly belongs to my father XXXX XXXX XXXX. This has happened in the past since we share the same name. I did not allow anyone to open an account in my name nor have I ever had any written/verbal contract with XXXX XXXX XXXX. I never made any payments towards this account nor did I benefit anything such as money, goods or services from this account. I have already filed a police report regarding this incorrect information reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters on XX/XX/2022 to Equifax in which they have sent me the same generic response back stating that the items for my auto loan is verified by the company. I asked them to send me their method of verification AND reinvestigation of the following inaccurate and unverified account for XXXX XXXX. Its displaying 1 late payment which is incorrect and is very detrimental to my credit report. They have refused to send me any information and each time I call I am getting different responses from the reps, who said they never received the letter or another person saying they received it but it got misfiled? I am very upset and confused. They're not following the law and continue to not care about the damage they're causing with these incorrect payment status.
Product: Credit card or prepaid card

Dear Sir/Madam, Good morning! Last month I have paid the full balance of {$4000.00} for my CHASE freedom credit card! But this month I got the statement that I had " PURCHASE '' of {$96.00} in my current statement? Actually it is credit Balance refund. What's more, CHASE COMPANY charge me the INSTEREST CHARGE OF {$24.00} in this month. That is really funny. 

On XX/XX/2020, I paid the full balance for my account with my BOA debit card, and I got the confirmation email from CHASE. But CHASE company RETURNED my payment on purpose, and charged me interest of {$89.00} ( interest charges of {$59.00}, {$17.00} and {$12.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively. I am sure that Nothing wrong with my BOA account. 

I am really appreciated for your nice consideration and help! XXXX bless you! 
Best regards, XXXX
Product: Credit reporting or other personal consumer reports

Incorrect information on my account and the cfpb law suite.this is hurting my credit can these unverified reports be verified or quickly be deleted from my report Transunion
Product: Credit reporting or other personal consumer reports

The accounts in question are 12 federal student loan accounts appearing on my Experian credit report with a servicer who no longer services these loans. The loans transferred from XXXX to XXXX in XXXX of XXXX, and since that time 7 of those loans have been closed, with 5 loans still active with XXXX. I have filed 4 separate disputes with Experian and spoken to several customer service representatives, all who verbally acknowledge the presence of the error and how the error can be remedied. I have followed all instructions and provided several rounds of documentation showing these loans as closed. I have also involved representatives from XXXX who indicate they are reporting the loans accurately and who have indicated that this is a known issue with Experian. 

Credit reports from XXXX XXXX and XXXX show the loans as transferred, so the issue is unique to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
In accordance with the Fair Credit Reporting act, the accounts below have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

1. Payment error can not report late payments According to 15 U.S.C 1666B XXXX XXXX XXXX Account Number : XXXX Please update the payment history to positive for 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX   ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER FROM XXXX, XXXX  OR TRANSUNION,. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Debt collection

As I viewed my credit report, I noticed an unknown credit card account that does not belong to me. So I called the credit card company to clarify the situation and to resolve the issue. The company could not find any record of me having an account with them, however, they continue to lodge a negative item on my XXXX report.
Product: Mortgage

We have tried to do a loan modification XXXX, dealing with its subsidiary Select Portfolio Servicing ( SPS ) and have been unable to get a clear answer to move forward. The communication with them is very difficult and always change the person in charge of the case, which cause delays on the process. Their initial approach is always harsh and negative, done by a call center that usually do not have information about the loan modification process. We sent all the required documentation and, after months of negotiation, they denied the loan modification and did not want to evaluate all the facts on the case to get a positive result. We feel the company SPS did not do everything on their hands to help us, having all the necessary documents showing that the proposed monthly payment could be paid by us. They based their decision in figures that are above market value and did not provide a concrete answer for the modification denial. We are sending a new loan modification package with extra documentation to see if they can do their job and approve the loan modification. 
We appreciate all the help you can provide on this matter as this is our primary home and we are desperate to save it. 
Best regards, XXXX XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have asked for your help because of these accounts that are being instigated. I am hoping to have these accounts be removed from my credit report due to inaccurate reporting. I have attached the documentations and letters here.
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. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX 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 XXXX. 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 XXXX more than XXXX times. XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, The Date of first delinquency reported by equifax on the account XXXX isXX/XX/XXXX. The payment history reported clearly states 30 days past due onXX/XX/XXXX. This is a violation of my consumer rights by attempting to Re age this debt. Please delete this account from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX XXXX Re : Account XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : late payment date XX/XX/XXXX late payment date XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.
Product: Debt collection

We signed a lease with an apartment company XXXX XXXX in XXXX LA. They made us buy rental insurance in lieu of deposit and stated any damage would be charged to policy. We fulfilled our lease and gave 30 day notice. THERE was no damage to the apartment when we moved out. I have copies of 30 vacate notice letter. They turned over a claim to debt collection place. National Credit Systems., XXXX XXXX GA They have placed this debt on my credit report. I have never heard a word about this until now. I would think they defrauded the insurance company also. This is tantamount to extoration. I work very hard to keep good credit and pay my bills.