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

New and updated information in regards to complaint # XXXX Experian sent me a long drawn out response via CFPB portal but did not address or speak of what I actually was disputing which is 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 

( b ) The term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term " consumer '' means an individual.

( d ) Consumer Report.- ( 1 ) In general.-The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons I did not receive any response to what I was asking to be corrected except that they are sending what I complained about to the furnisher. Experian is in violation of this law also 1681a. Definitions ; rules of construction
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My personal information continues to get mixed with my father whose name is XXXX XXXX, XXXX. I continuously request the bureaus to correct my personal information with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows a hard inquirie on XX/XX/2017 on all three credit agencies. I have gone thru the the endless cycle calling back and forth to XXXX and the credit agencies. XXXX did send some paperwork requesting my of my information, in which I submitted the paperwork ands its been 8 months. I never applied for there airline credit card. So can please help to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX XXXX XXXX, As of XX/XX/19 I  discovered ENHANCED RECOVERY CO L for amount of {$360.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} ; USDOEXXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$2100.00} ; US DEPT ED XXXX Balance XXXX {$4200.00} ; US DEPT ED XXXX Balance : {$4400.00} ; US DEPT ED XXXX Balance : {$9300.00} ; US DEPT ED XXXX Balance : {$2100.00} ; US DEPT ED XXXX Balance : {$3700.00} ; US DEPT ED XXXX Balance : {$4100.00} ; US DEPT XXXX XXXX Balance : {$10000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$7500.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I have given Highlands residential mortgage servicing both verbal and written instruction to remove escrow from my loan. They continue to use delay tactics asking me to send in signed physical documents. I did not agree to a requirement of sending a signed physical copy to remove escrow during the signing of my loan origination documents. I've already given them written notice and instruction to remove the escrow. 

Every month delayed is a month denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BK OF AMER XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BK OF AMER with no successful resolution. XXXX, XXXX, and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX 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 or other personal consumer reports

Capital One written off balance without sending me 1099C. and that is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is being filed as the company failed to adequately respond to the XXXX complaint regarding medical debt. 
The company is outside the law when it comes to reporting medical debt. They are not allowed to report medical debt until it is at least 365 days past due The provider of the loan is irrelevant as to the definition of medical debt The legal definition of medical debt is debt that arose from the receipt of medical services, products or devices. See attachments Debt that arose from the receipt of medical services can not be reported until its at least 365 days past due. 
After a life-threatening illness I was forced to have medical debt/ debt that arose from the receipt of medical services
Product: Student loan

My loans for XXXX XXXX college started in XXXX where I made payments to XXXX in the amount of {$9100.00}. The loan was then transferred to XXXX in XX/XX/XXXX. I paid {$24000.00} until XX/XX/XXXX. The loan was then transferred to XXXX where I made payments totaling approximately {$9300.00}. Now my loan is being handled by AidVantage and now exceed {$81000.00}. I was told all my payments were only applied to interest. My loans went from {$65000.00} to over {$81000.00}. No one has told me why no principal was ever applied. XXXX had given me no answers as to why my payments are only interest and neither has AidVantage. I really can not afford the payments they have established for me as I am XXXX XXXX XXXX, retired, a veteran, and living off of XXXX XXXX. I have already almost depleted my XXXX to nothing. Actually, I made a few payments to AidVantage.I have decided that until I get an answer as to why my loans never went down, I am not going to pay anything.
Product: Mortgage

The company is a mortgage dept collector. They are saying I am behind on a payment. I am NOT. They call my home constantly. I have asked about the month they are requesting. They give me different dates all of which I can prove from my bank that the payment came out and they received the funds without any difficulty. They have tried to to foreclose on my home. I got a lawyer who stopped the foreclosure and said I should have never gotten the foreclosure papers. They are adding the fees to my payments. My loan modification was done by a lawyer and approved by the courts. This company that the loan was handed down to seems to not want to comply with my loan or is trying to collect more than is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay and they are saying that I am 180 days late for 5 months in a row and 150 days late 120 and 90 days late this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$50000.00}????
Product: Checking or savings account

I had an account with chime. I had a XXXX XXXX and a XXXX XXXX account I made a deposit of XXXX Dollars in XXXX of this year and chime flagged my account for suspicious activity. I could not access my account after the deposit so I called the customer service line for chime they requested documentation from me. I sent them everything they asked for and still had no access to my account. I have been calling them since XXXX of this year almost every day and they tell me the same thing that a member of their XXXX team will contact me through my email within XXXX hours. I contacted them today XX/XX/year> and was told my account was suspended and that someone from the XXXX team would contact me via email within XXXX hours. I have not been able to access my money for 10 months can you please help me. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  THIS COMPANIES ARE VIOLATING MY PRIVACY RIGHTS BY REPORTING NEGATIVE INFORMATION TO A XXXX PARTY THAT IS EFFECTING MY FUTURE TO OBTAIN CREDIT, BANK ACCOUNTS INSURANCE, UTILITIES, THESE COMPANIES HAVE BEEN PAID IN FULL AND REFUSE TO REMOVE ALL NEGATIVE INFO.
Product: Credit reporting or other personal consumer reports

XXXX has violated my federally protected consumer rights under the Fair Credit Reporting Act. They have violated my rights by furnishing transaction details [ 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) between the person ( means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ) and consumer ( me ) without my prior consent, pursuant to Title 15 U.S.C. 1681b ( 2 ). According to Title 15 U.S.C. 1681c ( 5 ), " no consumer reporting agency may report any consumer report containing any adverse item of information, other than records of conviction of crime '', yet they furnished negative item transactions on my report on a disputed debt. By violating 15 U.S.C. 1682b permissible purposes and 15 U.S.C. 1681c information contained in consumer reports, they have violated compliance procedures under 15 U.S.C. 1681e. Equifax has willfully violated my consumer rights and is liable to civil suit under 15 U.S.C. 1681n. They are also liable to civil liability for negligent noncompliance under 15 U.S.C. 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried twice to get the payment status issue resolved with Experian I have provided a letter from XXXX XXXX and the payment status still has not been updated! I was never late on my account.
Product: Credit reporting or other personal consumer reports

he List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX violated my rights on my behalf and XXXX XXXX please remove this from my credit report I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with USAA ( XXXX # XXXX ) and during Covid I was not able to make payment. The account was then charged off and then send to collection. I made a settlement with collection and paid it off almost 6 months ago. For some reason, the account has never been updated. 
More I never gave my written authorization to USAA to report this account on my credit report. However, the account has been reported which is a violation of my right. In accordance with the Fair Credit Report Act XXXX  Account # XXXX Has violated my right. 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states A consumer reporting agency can not furnish an account without my writing instruction.

I want this account information to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Product: Credit card

Opened a XXXX XXXX XXXX charge acct in XX/XX/XXXX. XXXX is serviced by Synchrony Bank. XXXX was get 10 % off entire XXXX purchase when you open an account. I made my XXXX purchase on XX/XX/XXXX and rec 'd 10 % discount as advertised. Also included as a CARDMEMBER benefit promotion was to receive 5 % unlimited rewards -OR- to receive 0 % interest ( amounts over {$290.00} & equal payments ). Go to XXXX and you can view the offer on their website. 10 % discount to open an account & use for XXXX purchase THEN either 5 % rewards OR 0 % interest terms. 
I placed {$3500.00} on the card for XXXX purchase which was NET of the 10 % new acct terms. I received XX/XX/XXXX statement for {$3500.00} and paid {$150.00} on XX/XX/XXXX within terms. I calc 'd the {$150.00} myself as a means to pay the purchase off in XXXX mos even though XXXX of the items qualified for XXXX mos. I received the XX/XX/XXXX statement and it had {$92.00} of interest charges ( 31.99 % APR ). I called Synchrony on XX/XX/XXXX and was told by C/S rep that I had taken 10 % discount on purchase and items didn't qualify for 0 % free interest. XXXX : it was 10 % disc XXXX 0 % interest - not both. I went back and reviewed XXXX XXXX website and it was clearly stated as I have described above. I called back same day and got a XXXX XXXX XXXX and XXXX the issue. Actually, I suggested that it was blatant fraud on Synchrony. I told XXXX to go to XXXX website to view herself. The XXXX did fairly easily credit back the {$92.00} interest charge however I am not confident that the account is now managed as 0 % interest for the duration. The XXXX stated it would go to the " XXXX XXXX '' for review and I would be contacted. I also told XXXX that ALL NEW ACCOUNTS should be reviewed and any finance charges should be adjusted. I commented that the verbage for the promotion was clear on XXXX website and suggested that this was a fraudulent practice by Synchrony. The statement even includes 0 % promotional advertising on page XXXX. I was fortunate to have caught this but what about the thousands of other customers? Synchrony is not going to willing go back and adjust accounts on their own. CFPB must investigate and correct this!
Product: Credit reporting or other personal consumer reports

I have 11 hard inquiry 's Damaging my credit score that were from over 3-4 years ago, Please Remove ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XXXX XXXX, XXXX  a fraudulent charge of {$2200.00} was made on our Chase XXXX XXXX account ending in XXXX. The charge was for XXXX XXXX. 
My wife and I became aware of the charge several days later and contacted Chase. 
Chase cancelled the card and issued a new one ending in XXXX. 
Chase opened a fraud investigation into the matter. 
All seemed well until XX/XX/XXXX when the fraudulent charge was reinstated by Chase on the new account for the XXXX 
This was very alarming as we did not make the purchase nor have we used XXXX XXXX in recent years. 
When contacted, Chase guided us to Fraud Recovery and the employee indicated that the investigation did indeed show I made the purchase. When asked for proof they could or would NOT produce it. I took the matter up to management level and they reopened the investigation whereupon we were informed that they reinstated the charge a second time as I did make it. 
I confronted them again and they have been evasive and uncooperative and again failed to produce any evidence of the charge saying they couldn't reach XXXX. Surprising as I did relatively easily and XXXX opened a fraud investigation and could not find evidence that I made the purchase. 
On XX/XX/XXXX after heated discussions, a representative contacted me saying that we would be credited for the amount but a two search search of our statement shows the charge is still there. 
We are angered and dismayed as we did NOT make the purchase and further have no evidence of any kind on our end that we ever purchased anything from XXXX in the last few years. How can I prove a negative? 
Per FTC guidance we did send a certified letter to Chase demanding their proof. We await their response.
Product: Credit reporting or other personal consumer reports

XXXX, transunion and XXXX have not properly investigated my claim. I have asked them for proof and they havent provided it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I, XXXX XXXX sent a FTC report letter regarding inaccurate and unknown things on my credit report. 

I AM A VICTIM OF IDENTITY THIEFT. POLICE REPORT and COURT CASE ATTACHED I feel I am being taken advantage of and being ignored. Section 605 ( B ), it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. It has been well over 4 days, so they should be block and deleted promptly. I demand these accounts be blocked and deleted immediately or I will file for ligation due to the stress you caused me. My information is also impacted by the Equifax data breach and my have gotten into the hands of the wrong person. 

I, XXXX XXXX give you FULL PERMISSION to move forward with this investigation. I have attached my driver license and social security number to let you know this is in fact XXXX XXXX giving you permission.