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

CFPB ( Consumer Financial Protection Bureau ) complaint. 

Subject : Complaint Regarding Inaccurate Credit Reporting by XXXX, XXXX, and Experian Description of the Issue : I am filing this complaint to address inaccurate credit reporting by XXXX, XXXX, and Experian regarding accounts from XXXX XXXX XXXX, XXXX XXXX XXXX and a student loan serviced by the Department of EducationXXXX XXXX 
XXXX. XXXX XXXX XXXX I sent a Notice of Liability and Self-Executing Default to XXXX XXXX XXXX XXXX XXXX mail on XX/XX/year>, delivered on XX/XX/year> ( Tracking Number : XXXX ). 
They were given 10 days to respond, but no response was received. Therefore, they are in default, and this account should no longer be reported. 
XXXX. XXXX XXXX A Notice of Liability and XXXX Default was sent via certified mail on XX/XX/year>, and delivered on XX/XX/year> ( Tracking Number : XXXX ). 
Again, no response was received within 10 days, placing this account in default. This account should also be removed immediately. 
XXXX. XXXX XXXX XXXX Department of EducationXXXX ) I attempted to send a certified Notice of XXXX and XXXX Default on XX/XX/year>, but the letter was returned as undeliverable on XX/XX/year> ( Tracking Number : XXXX ). 
The address provided by the school was invalid, and I have been unable to properly serve notice. This loan contract was entered into under unconscionable terms and lacked full disclosure of its impact on credit reporting. 
Violations and Requests for Validation : I am requesting that XXXX, XXXX, and Experian provide the following : XXXX. XXXX XXXX XXXX : Proof that I provided written express consent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX the Department of EducationXXXX to report this information to the credit bureaus. 
XXXX. Court Orders : Records showing that XXXX XXXX XXXX XXXX XXXX XXXX , or the Department of EducationXXXX obtained a court order from a competent jurisdiction to communicate with me about these debts.

3. GAAP Compliance : Documentation that XXXX XXXX XXXX, XXXX XXXX XXXX and the Department of EducationXXXX are adhering to Generally Accepted Accounting Principles ( GAAP ) in verifying the validity of these debts. 
If this information can not be provided, the accounts should be deleted under the Fair Credit Reporting Act ( FCRA ) for failure to verify their accuracy. 
Impact on My Rights : The reporting of these accounts is depriving me of my life, liberty, and pursuit of happiness by negatively impacting my credit score without proper validation.

Requested Resolution : I request the immediate removal of these accounts from my credit reports, including a rapid rescore by all three credit bureaus. If this is not resolved within 7 days, I will begin assessing damages at {$5000.00} per day per account that remains on my report. 
Thank you for addressing this matter promptly.
Product: Credit card or prepaid card

I was granted XXXX XXXX fees up to {$100.00} credit and I have renewed my XXXX XXXX membership as it will expire soon. Representative says I have to wait till XXXX, which does not make any sense whatsoever as my XXXX XXXX expires in XXXX. This forces the customer to pay out of pocket ahead of time to avoid getting a fee credit. Very discieving in terms of how the program works and doesn't benefit the member customer at all.
Product: Bank account or service

XX/XX/XXXX I submitted XXXX quarterly estimated tax checks to the IRS. XX/XX/XXXX when I submitted my tax return I was told that they had not received the XX/XX/XXXX check. The check was submitted to my bank ( credit union ) and paid to an account at a Wells Fargo bank. The IRS did not receive the payment and the endorsement on the back of the check does not match their endorsement procedures.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries were created without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), victims of identity theft are entitled to have fraudulent information removed from their credit reports. 
Fraudulent Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$260.00} Fraudulent Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are :
Product: Student loan

they do not work with you in arraigning payment. they want you to pay an amount you cant even afford have been like this for years.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I used my cash app that day which I do from time to time but I go to look at it hours later and I can't even login to see anything after a few minutes I was able to login and see a message saying that my account was closed and for no reason what so ever I have been trying to contact them every few hours for the past three days and all I get is the same message saying that it was Escalated and that someone will be getting back to me soon but I have heard nothing from anyone and still do not know why my account was closed I can verify that the account is mine no problem but I still don't know what I did to have it closed
Product: Debt collection

From XX/XX/2018 until the present time I sent many letters to Transunion, XXXX and XXXX in regards to the change of addresses that are not mine. I've sent proof of my current addresses such as my bank statement, drivers license and my car registration.All three refuse to delete my old addresses. Also I have two collection accounts that do not belong to me and I am not getting no where at all. I've calling the original collectors and they were very rude to me when I asked question about the debt that they are saying that I owe that do not belong to me.
Product: Consumer Loan

My wife and I bought a new vehicle from a local dealer. The financing was placed through Bank of America. After receiving the first billing, I attempted to pay online. This did not work. It was a trying circumstance to establish the online presence. I ended up calling in and making a payment over the phone. 
The second month payment became due and I was agin unable to get the website to recognize me. I ended up calling an XXXX number and got a wrong department and was transferred. That call then lasted 17 minutes and led to more frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX with a company named XXXX XXXX XXXXXXXX which dissolved and transferred to a company called innovative Loan Servicing. i received a letter on XXXX XXXX that the loan would transfer and XXXX would be the last month that my payment could be made and beginning XXXX i would be making my payments to Innovative Loan servicing. On XX/XX/2021 i checked my credit accounts and Discovered that i had been marked with a 30 day late for the month of XX/XX/2021. I called innovative Loan servicing several times and waited on hold for well over an hour and a half but no one ever answered. I emailed the email on file and still have not received a response. I paid by XXXX payment to XXXX XXXX XXXX om XXXX XXXX as i have for the past XXXX XXXX years. I am in the middle of a purchase and this has impacted me as my score dropped to below XXXX from an XXXX this is unacceptable and i need this to be rectified immediately but no one ever answers the phone or responds to any of my attempts to reach the company. I am providing proof that my payment was accepted and withdrawn from my chase bank account on XXXX XXXX. I will also file complaints with all 3 credit Bureaus to make the corrections. I am beyond upset that this company would make such an error as i take pride on paying all my payments in a timely manner.
Product: Vehicle loan or lease

I have a vehicle loan with Ally Financial, for {$200.00} on the XX/XX/XXXX every month. I had auto billpay set up, and in XX/XX/2017, I received a bill pay check in the mail from Ally. I turned off my bill pay for the month from XXXX XXXX and deposited the bill pay check I received. The amount {$200.00} was taken out of my account twice by mistake since the automatic bill pay still went through and the bill pay check was deposited. I asked XXXX to reverse one of the payments since I was charged twice. I was then contacted by Ally, stating that when they tried to collect my payment it was denied by my bank. I informed them I was charged twice and only reversed one of the payments, my XXXX   account matched this information. Ally responded by saying that they only received one attempt at payment, which was declined and they proceeded to charge me a {$10.00} late fee, in addition to an extra {$200.00} to be paid on top of my next payment. I spent countless hours contacting XXXX   XXXX and Ally to figure out where the problem was, even going as far as to send multiple copies of my bank statements to Ally highlighting the error, and opening several investigations. Each time I was told an " investigation '' was underway, I was told to call back again in 10 business days. Each time I did this, the person who I reached at Ally had no knowledge of the investigation, and none of them were capable of pulling up my bank statements, despite me sending multiple copies. After weeks of correspondence, I learned that the bill pay check that I deposited was taken by XXXX, ( deducted from my account ), was never received by Ally. This made my extra payment reversal appear as though I reversed my only payment on their end. I was told that they have no records of the check ever reaching them, and they even ruled out the possibility of it being deposited to someone else 's account by back checking the check number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX, Equifax and XXXX has violated my rights by reporting unverifiable public records on my consumer report ( Reference # XXXX & # XXXX ) Per the FCRA 623 ( a ) ( 5 ) : If the credit bureaus can not VALIDATE the information with the original creditor, they must remove said information from the consumer file. The original creditor in this case would be the U.S. BANKRUPTCY COURTS. The bankruptcy courts mailed me a letter stating they DO NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX XXXX has provided documentation that it could not validate this public information and has been deleted from their database in XX/XX/2022. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court System due to the Fair Credit Reporting Agency Privacy Law. XXXX XXXX or Equifax never validated or verified these public record entries on my credit report. Equifax stated they verified with XXXX XXXX the accuracy of this public record in XX/XX/2022 and my XXXX XXXX consumer report shows that information doesnt exist. This proves that Equifax as well as the other credit agencies did not perform a true and honest investigation.This is unfair to me as a consumer and I need any and all of the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report IMMEDIATELY as it is not verifiable and is causing extreme damage to my financial future. As such, if this unauthorized information is not deleted from my credit report within the next 5 days, I will be filing a complaint to the Federal Trade Commission and my State Attorney Generals office. Failure to respond in a satisfactory manner within 5 days of receipt of this complaint will result in a small claims action against each credit reporting agency. 
I will be seeking {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligence Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO DATE IS XX/XX/XXXX MY NAME IS XXXX, XXXX I AM FILING A COMPLAINT AGAINST XXXX XXXX XXXX XXXX XXXX and TRANSUNION LLC, BOTH COMPANIES failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of my consumer report consumer reports as defined in 15 U.S.C. 1681a ( d ), and consequently reported inaccurate information about me causing me irreparable harm. 
I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o This account dont belong on my consumer file and must be deleted immediately XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Consumer reports under 15 U.S.C . 1681a ( d ) include both credit file disclosures obtained directly by me from the consumer reporting agencies and consumer reports obtained by third parties as a factor in establishing my eligibility for credit. 
XXXX negligent, willfully continued to report the inaccurate information even after dispute notices under the FCRA absent notices of dispute about the accuracy of this account and I have notified XXXX of an error and requested a re-investigation which never happen. 
Despite various disputes I had submitted to XXXX company willfully ignored all my attempts to correct the misleading information, that resulting in the denial of various loans. 
Which cause me irreparable harm, emotional and financial stress to me. 
XXXX unreasonable policies and procedures routinely report inaccurate and materially misleading information about consumer file including this account with XXXXXXXX XXXX XXXX that have been discharged from identity theft and has no permissible purpose. 
Rather than follow reasonable procedures to assure maximum possible accuracy, as required by the FCRA, XXXX frequently reported information regarding debts based on information they know is incomplete or inaccurate. 

Remove this account from my file XXXX XXXXXXXX XXXX XXXX Date openedXXXX ( ( please see attachments ) )
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with XXXX XXXX/ XXXX XXXX 3 times wtih all 3 credit agency 's. This account is not mine and I request proof of the debt. I never received any proof of the debt or response. This account should not still be reporting on my credit.
Product: Debt collection

I had a XXXX and have had a XXXX XXXX in the past few years. I used a credit card to charge up my medical bills. Now, I am unable to work due to my health and medical bills that have piled up. I get getting harrassing calls and bills from credit agency. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX They have team up against me now I keep going to hospital stressed out because i cant pay my bills. and now my credit has been damaged because they are reporting i didn't pay my medical bills credit card i use to help me with the medical bills. 

Please help me stop them as i feel sicker. I cant even ask for a loan to pay off medical bills i have reacked up due to them reporting negative information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of trying to get a loan and I am getting denied. My account with XXXX XXXX XXXX is showing I have missed over 120 days of payments from the months of XX/XX/2016-XX/XX/2016. At the time I had so much going on and did not pay close attention that even though I was a recent graduate that I had loans to repay. 


I am asking that you guys see that Ive always been in deferment. I am not finically stable to start paying right now. These loans have been so long ago and Im asking for forgiveness to remove some of these charges on my credit report.
Product: Credit reporting or other personal consumer reports

I have never lived in any state other than XXXX. 

I have never lived on XXXX XXXX XXXX XXXX
Product: Credit card

I have been in an extremely financial hardship for the past year and have been able to get on an economic hardship program with all of my other cc card bills, however Macys refusing to lower my payments even thought they closed my account without my knowledge, and for this reason should have granted access to this program. 
This seems extremely unfair and unreasonable, especially given my extreme financial hardship.
Product: Mortgage

My husband was laid off and we filed for bankruptcy. We became two months behind in our mortgage with Chase Home Finance. No loan modification was offered. Instead we were put on a repayment plan and charged exorbitant fees for four months. 
I feel that we were overcharged.
Product: Credit reporting or other personal consumer reports

There is inquiry shown on my credit report that I didn't give consent to, nor did I agree for anyone to us my personal information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  again I did not authorize nor consent to any of these companies and it needs to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraud alert placed on my credit without my knowledge. The active alert stated that inquired about new credit would have to contact me first. However there we no contact number attached to the alert making the inquiries for new credit invalid. Reached out to the companies no assistance provided, reach out to credit bureaus, and no update to the credit profile. 

Dates of inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX Home Mortgage Account is reporting that I have late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I never was actually late. This is a documentation error on their end. I even was emailed a confirmation from my payments. I've attached proof of payment. I don't want it to report that I was late when I really was. I pay all of my bill on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit recently to start generating credit and see someone else has been using my credit. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

1 ) XXXX XXXX -opened XX/XX/XXXX amount {$680.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$23.00} 3 ) XXXX XXXX opened XX/XX/XXXX amount {$23.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$430.00} a ) Block.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX