23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/year> I was placed in forced SAVE plan forbearance with 0 % interest. I have since received a document on XX/XX/year> to remind me that interest was accruing while in forbearance. I checked my student loan website and my interest is still set at 0 % but I have interest accrued. I want to make sure that this interest was not accrued since XX/XX/scrub>XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX, XXXX, Equifax and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX XXXX XXXXXXXX, XX/XX/XXXX of listed late payment XXXX. XXXX XXXX XXXX of XX/XX/XXXX, listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice violations under the FCRA : The CRAs are repeatedly failing to identify their source within their responses to the prior disputes related to the incorrect public records listed on my credit report. 
The three Bureaus are not investigating and not providing the third party vendor.

Rule Violated : A creditor fails to notify consumer when it supplies negative credit information to a CRA. The Credit Bureaus/CRAs have failed to identify the vendor or source of the two public records listed on my credit report : Pursuant to Federal Bankruptcy Court rules is the court does not supply the credit bureau ( s ) with any court records.

XXXX ( XX/XX/2018 ) does not list the VENDOR or SOURCE who provided the public records, as the address on the public record is Notice violations under the FCRA.

XXXX ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA.

Experian ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report provided by Experian. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy # XXXX : XXXX XXXX Inquiries date:XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXXXXXX XXXX XXXXXXXX Inquiries date:XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX XXXX XXXX XXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXX XXXX XXXXXXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX XXXX XXXX XXXXXXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXX XXXX XXXXXXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXX XXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 


I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the
FDCPA prohibits unfair practices in the collection of consumer debts.

3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. 
XXXX. Truth in Lending Act ( XXXX ) ( XXXX XXXX. XXXX et seq. ) : XXXX. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. 

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my XXXX XXXX and financial well-being.
Product: Prepaid card

I already made a complaint, but the response was sent to me without an email for me to send my driver 's license, so I'm opening it again to get this information or something like that. 
I got these XXXX cards and now I have XXXX XXXX dollars that I can't use, send me an email, I work a lot, I can't answer the phone during work, trying only once a day. 
Plese XXXX XXXX XXXX, I just want my money, I tried this card in every possible place, and it doesn't work, always denied, the amount of embarrassment I've already been through... 

Please ... XXXX XXXX
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC, XXXX XXXX XXXX XXXX XXXX XXXX Have furnished debt that has been closed without my consent and are calling 3 times a day, sending letters and reporting on my credit reporting as open account
Product: Debt collection

I've been receiving multiple emails and calls from Jefferson Capital system for XXXX and XXXX XXXX. I've been receiving emails from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. These are the dates that they tried reaching out to me even after I have spoken to them to stop calling and to not reach out to me anymore. 

XXXX is apparently XXXX XXXX is apparently XXXX These accounts are apparently open balances and I'm confused on how they're open, they don't have the correct address nor phone number.
Product: Debt collection

Account was open on XX/XX/XXXX with a credit limit of {$250.00} plus unemployment and XXXX insurance which was paid on time till XX/XX/XXXX, when I became ill and out of work the account balance was {$69.00}. I contacted the insurance with no result, by XX/XX/XXXX I was contacted by XXXX XXXX regarding the closing of the account which I agreed, also late payments and fees, I was given the opportunity to settle the account by allowing XXXX to make XXXX automatic withdrawals of {$81.00} each starting XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my checking account. 
Copy of my account automatic withdrawals are enclosed. I hope this information clarifies your records and reestablishes mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX Social Security XXXX XXXX, a resident of XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2018 I disputed a negative collection being reported by Diversified Consultant on my credit files with XXXX, XXXX  and XXXX. All of the credit bureaus responded back saying the information they are reporting was verified but they sent me no prrof of the verification or validity. I have no knowledge of this collection nor have I ever had an XXXX XXXX XXXX account whom Diversified Consultants are collecting for. I have never receive any debt notices nor have I received any paper work with signatures validating the validity of this collection account. I would like the negative information to be removed from all my credit files
Product: Credit reporting or other personal consumer reports

Experian is reporting fraudulent activity on my credit report on XX/XX/XXXX from XXXX XXXX XXXX contacted the agency and asked for proof that i authorized them to run a credit check on my profile. they have failed to response and provide these documents or proof as of XX/XX/XXXX, Experian is still reporting fraudulent activity on my report that i do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Equifax reported on my credit report that my account with XXXX XXXX acct # XXXX was charged off. After correcting the problem they did not credit my XXXX that I lost due to their incorrect reporting after getting an update from First Investors of the update of my vehicle not being charged off. I shouldnt have lost XXXX XXXX and I am upset that they didnt give me back the points that I lost due to them. They only credit me XXXX points
Product: Credit card or prepaid card

In XXXX, XXXX, and XXXX I used the " Amazon Prime Store Card '' associated with Synchrony Bank ( acct. number XXXX XXXX xxxx xxxx ) to pay for my Amazon purchases and obtain a " reward '' of 5 % return of purchase amounts. When I stopped using the card, I had {$470.00} in rewards left in the account. Approximately 3 months ago, I received a form in the mail asking me to make a choice from several statements regarding that account. I selected the appropriate one ( I have not received a check nor cashed a check for the balance ), mailed the form in the envelope supplied, and waited for something to happen. Since nothing happed, I checked the balance in the account and now it was XXXX So I checked with Synchrony bank and was told they hadn't sent the form and that it must have been from Amazon. So, I contacted Amazon and was told that they could be of no help, since Synchrony Bank and not they managed the accounts.
Product: Credit reporting or other personal consumer reports

I noticed a collection account on my credit report for an apartment complex collection agency. The information on my credit report is as follows : Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX agency XXXX XXXX  Amount : {$780.00} Account number : XXXX Phone number for debt collector : ( XXXX ) XXXX Based out of XXXXXXXX XXXX XXXX REAL NAME OF PERSON WHO LIVED THERE ( not sure how to spell their name ) - XXXX XXXX XXXX debt collector has her email ) *She has my SSN + First and Last Name* I am terrified that she has stolen my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea why this account exists but I disputed with the original company, and asked them to verify the account information, and send me the contract they have with my signature or some kind of consent, and they have failed to send me the requested information, I contacted the credit bureaus that are reporting this information and asked them to do the same, verify account, send me the original contract with my consent and signature, and they have failed to protect my credit file.
Product: Credit card or prepaid card

After a " random review of my credit standing '' my credit line was lowered and of course subsequently lowering my overall credit score. Synchrony used XXXX as  an excuse and said I had a : " LACK OF REAL ESTATE SECURED LOAN INFORMATION '' " AVERAGE TIME SINCE ACCOUNTS OPENED IS TOO RECENT '' " TOO FEW BANKCARDS WITH HIGH CREDIT LIMITS '' " AVERAGE TIME SINCE REVOLVING ACCOUNTS OPENED IS TOO REENT '' " NUMBER OF INQUIRIES WAS A FACTOR IN DETERMINING SCORE '' All of this after first granting me a credit line and then increasing said credit line and then mailing me a letter saying my credit line has been lowered ... out of no where this decision was made. I had not asked for additional credit, applied for an additional card nor missed a payment. THE LETTER SAID " WE RECEIVE UPDATED SCORES ON A PERIODIC BASIS. '' I called them to let them know " I'll pay it off, but I'll never use their services again, PERIOD AND FULL STOP.
Product: Mortgage

I was in forbearance from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX reported me as delinquent and late. My credit score is very poor, and my real estate credit report shows late payments. This is negatively and significantly impacting my life and delaying my chances of refinancing my home. I have been requesting them to fix it since XXXX and I've also requested official documents, but I have no answer or solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems that my credit score is predetermined. Whether I pay my bills on time, pay off old accounts or rebuild my credit. My score has not been what it should be according to similar credit patterns. I have not been treated, or dealt with fairly.
Product: Credit reporting or other personal consumer reports

I have sent several request to XXXX opting out of their system, in which it shows that XXXX XXXX XXXX has 7 bankruptcies, I have received 3 separate reports from XXXX where they show that I do not have any bankruptcies on my consumer public records report, all dated from XX/XX/XXXX through XX/XX/year>2024 and speaking with them on today XX/XX/scrub> 2024, on both my public records report and my non-published public records report, there are no bankruptcies being reported, I placed yet another dispute ; dispute number # XXXX but on my credit bureau reports they are there, and it is saying that the records have been investigated and re-investigated as being VERIFIED AS ACCURATE AND UNCHANGED. Upon my receiving this information, I contacted the bankruptcy court for the XXXX XXXX XXXX XXXX, received a letter from them stating that 1. They do not report to the Credit bureaus and that I do not have any bankruptcies. 2. I sent to all three ( 3 ) credit bureaus letters requesting that this information be removed from my credit reports, but all have stated that they received the information from XXXX. 

XXXX XXXX XXXX  refuses to provide me with an option to Opt-Out of their system, and they continue to furnish adverse information to TransUnion, violating my right to privacy and to deny me my right under 15 USC 1692 to determine what information I want reported on my credit report.

I have furnished all three ( 3 ) credit bureaus with letters showing them the errors however when I receive my updated credit reports, the bankruptcies are still there after sending them all the reports and letters from the courts, XXXX, and myself demanding that they remove the public records report but it still remains and is causing me serious complications of my credit being denied and my scores decline and not being able to qualify for loans and credit increases.
Product: Debt collection

I have a few Chase credit card account 's with my wife, however, there is an individual past due Chase account listed on my credit report, as an individual account. I have never had an individual account with Chase. I have asked for copies of documents, to no avail. This is not my account, however, I keep receiving communication from XXXX after that have been told, this is not my debt.
Product: Debt or credit management

I am filing a complaint versus : Beyond Finance XXXX XXXX XXXX XXXX, Texas XXXX XXXX utilized Beyond Finance to settle a debt. In short, the debt balance was circa $ XXXXThe " debt settlement '' was XXXX  {$17000.00}. 

My complaint is in connection with adequate disclosures, or lack thereof. Today, XXXX, I called the Beyond Finance Call Center. From viewing my dashboard, I could see my " Special Purpose Account '' balance, versus what is remaining to be paid to this creditor, was nearing an equal amount. 

I asked when my Special Purpose Account deposits would cease. I was told by the representative that scheduled payments would continue up to and including XXXX. However, the Special Purpose Account balance, after approximately two more monthly payments, would be equal to what the debt settlement amount is equal to. However, I was informed that there is an owed " fee '' of approximately {$5000.00}, which is equal to at least 9-10 more monthly payments of {$530.00}. 

My complaint is due to the fact that the fee, was not disclosed AT THE TIME OF SETTLEMENT. Had I known " the fee '' amounted to such a large percentage of the settlement ( AT THE TIME OF SETTLEMENT ), I would not have proceeded further. As such, I feel that this practice was deceptive, and is itself creating an undo hardship. 

I have made a mistake by taking this route. Furthermore, the Beyond Finance Dashboard indicates that I have " reduced my debt '' by circa {$7000.00}. This is not exactly true, and actually quite deceptive, because it leads one to believe that you have accomplished something, when you really have only reduced the debt by {$2000.00}.

Additionally, had I known that the account balance would balloon as a result of my delinquency, I never would have chosen this " solution. '' It is not a solution. A better choice would have been to pay currently and cease the balance from expanding and ceased the increase at approximately {$21000.00}. This outcome alone seems better to me than accruing a severe credit delinquency.

The disclosure language did indicate something on the order of " results may vary. '' However, I do not easily recall seeing a fee of circa {$5000.00} documented. Also, what does this fee consist of? What is it, exactly? If properly disclosed AT THE TIME OF SETTLMENT, I would not have selected this route. 

Had I been aware of this fee, I would have struggled to work two jobs to pay off debt without hit to my credit report. Furthermore, I should not have placed myself into this debt in the first place. 

The landscape right now in terms of " debt settlement '' is extremely problematic and I would say deceptive. In addition to exorbitantly high living expenses, we must navigate this challenge from the firms that purport to be helping us. 

My indebtedness was the result of a significant health challenge that necessitated a career change.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file was pulled over 15 times by XXXX XXXX without my permission or knowledge. These inquiries had lowered my credit score by over 100 points and as a result, my credit card were canceled and closed. At that time, all my credit account were paid and on time and paid as agreed.