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

XXXX XXXX is incorrectly reporting the status of the auto loan that I had with them. It is reporting that the account is 30 days past due. It has knocked my credit score down 57 points. I did a voluntary repossession on the vehicle on XX/XX/2017. The vehicle was not 30 days pass due. I also got a voluntary repossession letter from auto now. I enclosed a copy. I spoke with XXXX at the customer service site and XXXX the manager at the location I originally purchased the vehicle from. I have had nothing but in Going issues with XXXX XXXX  From my payments being recorded and reported properly. To them being disrespectful, hanging up on me and refusing managers and supervisor. I have on recording them lying about my account details and so forth also included with complaint. I would like the status of my credit report updated. I did a voluntary repossession on XX/XX/2017. That 's what the credit report should say. I HAVE NEVER BEEN 30 days late with this loan and it should n't be reporting as so. This is defamation of character and slander of my credit report. I feel this is all done intentionally. I tried everything to prevent this. Even taking the car directly to auto now corporate office at XXXX XXXX XXXX XXXX XXXX, XXXX, KS ; and also calling XXXX over at the independence office XXXX XXXX XXXX XXXX XXXX. I would like my credit report updated immediately. This is affecting my credit poorly and is very illegal.
Product: Credit card

I contacted US Bank regarding a charge appearing on my statement that I did not make. 
The charge was for XXXX the merchant was XXXX XXXX dated XXXX XXXX. 

They said they would investigate. After hearing nothing from them for a couple of weeks I received a letter stating that I called and cancelled the claim. I never called to cancel the claim. 

I had to call them several times to get them to reinstitute the investigation. I also had my branch manager call on my behalf. They did not respond to his request either. 

Eventually, on XX/XX/year> I received an XXXX  XXXX page form requesting details already provided several times via phone calls. I filled out the form and returned it to US Bank. 

The first week of XXXX I received a letter dated XXXX XXXX stating that they were unable to assist me and I should contact XXXX myself. 

I contacted XXXX and was told they could not tell me how the charge was made or what the charge was for. 

They last XXXX numbers on the card are XXXX. 
I would appreciate any help you can provide on finally getting this charge investigated and removed. 

Sincerely, XXXX XXXX
Product: Debt collection

The number that called is XXXX XXXX XXXX. They told me that I owed ace cash express and wanted me to settle my debts I said yes because I wanted to get it over with. They processed payment two weeks after our agreed date and did it twice. Now I am trying to call the number they called me and it goes directly goes to voicemail. I have tried looking for this XXXX but no luck so far.
Product: Credit reporting or other personal consumer reports

Code : 15US1666b There is NO law that any transaction must be reported. I am writing to request that you assist me in having my auto late payments REMOVED from my credit report ( XXXX ) XXXX Also, provide me details of my rights to " privacy and consent '' considering I did NOT give consent for Bridgecrest consent to report late payments to anyone, including posting on my credit report. 

As a result of the pandemic, I kept in contact with Bridgecrest Financial and applied for their payment assistance in XXXX, XXXX. I was current with my payments until COVID interfered with the economy resulting to having take off my job and losing my job. I did not fail to notify Bridgecrest Financial of my temporary financial hardship, wherefore they offered me a payment arrangement to cover late payments from XXXX, XXXX, XXXX. Unfortunately, upon maintaining the payment arrangements, Bridgecrest Financial failed to inform me that the late payments would still reflect on my credit report, resulting to low credit scores and denial of future credit, etc. I've disputed the late payments reported and Bridgecrest Financial refuse to remove the late payments, even though they failed to inform me that the arrangements would affect my credit. 
Prior to the pandemic, my auto payments were paid ON-TIME, and I acted swiftly once I was affected by COVID to avoid a bad/poor payment history ; however BC has not honored my commentment even though I have been current since paying off the lates in XXXXXXXX XXXX 

I have NOT given Bridgecrest permission to report such late payments to the credit bureau, not rendered to 3rd parties as a result to credit denial. 

Please assist me in having the late payments REMOVED from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EXPERIAN AND ASK THAT YOU REMOVE NEGATIVE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. YOU CLAIM TO HAVE VERIFIED THE ACCOUNTS HOWEVER HOW HAVE YOU VERIFIED THEM AND THE COMPANY CANT EVEN VERIFY THESE ACCOUNTS WITH ME. THESE ACCOUNTS ARE FRAUDULENT AND I HAVE NOT SIGNED ANY DOCUMENTATION AUTHORIZING THESE ACCOUNTS TO BE OPENED. I HAVE NEVER HAD ANY OBLIGATIONS TO PAY ANY NEGATIVE FRAUDULENT COMPANY THAT YOU ARE CONTINUING TO REPORT ON MY CREDIT FILE. I will be forced to pursue legal action if these accounts are not removed. 
XXXX XXXX IN THE AMOUNT OF {$830.00} ACCT NUMBER XXXX PLEASE REMOVE IMMEDIATELY. 

XXXX XXXX IN THE AMOUNT OF {$300.00} ACCT NUMBER XXXX PLEASE REMOVE IMMEDIATELY
Product: Debt collection

This company Key Bank is reporting accounts that are past the statute of limitations on my credit file and many duplicate accounts. I have disputed and nothing has been done about my issue.
Product: Credit card or prepaid card

There are more then a few transactions I never authorized, and I made a claim with the fraud department for Bank of America/EDD card. They denied my claim because the accuser new my pin and has been making transactions since before XX/XX/2019. I have no more money and a job. The police is doing a criminal investigation but I still need help. Please!
Product: Credit reporting, credit repair services, or other personal consumer reports

nelnet a servicer for us department of education, completely XXXX  up and gutted and destroyed my credit reports. you have illegally and unethically said i was delinquent when i was not, refused to invetigate the issue, ignored a sitting US senators inquiryXXXX XXXX up my credit report and lied about it for 7 years, stated an account was transferred not paid and closed, and refuse to respond to my inquires or correct the matter.you have destroyed a XXXX  veterans credit and made him homeless again. you have lied and put false inaccurate information on all 3 credit reports. you have cuased me so much pain suffering and XXXX  distress i intend to sue nelnet for everything you are worth. i have rrepoirted you to the education inspector generals office for fraud waste and abuse of me as a veteran. I have a new congressional inquiry in with two US senators ofices and you will be hearing from them in this matter. ALL MY ACCOUNTS SHOULD READ PAID CLOSED ON TIME FOR LAST 7 YEARS AS I AM PERMANENTLY AND TOTALLY XXXX AS OF XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, I request that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were unauthorized and should not be listed on my credit file. 
Accounts : XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$94.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$470.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$150.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$470.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$94.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$500.00} XXXX. XXXX  XXXX  XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$530.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$470.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} Inquiries : XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX  o Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX o XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my credit report that are not mine and have asked all three credit bureaus to remove them and still are reporting on my credit report
Product: Debt collection

This company sent a letter collecting a debt for XXXX for an account number that is not mine.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Citations of Federal and Texas Laws Hello, I C SYSTEM, I'm writing to address a concerning matter regarding the unauthorized reporting of information to my credit report, as affirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has undeniably come to my attention that I C SYSTEM has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as delineated in the FCRA, explicitly mandates that consumer consent is an absolute requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, Texas state law, particularly Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Additionally, Section 392.305 of the Texas Finance Code lays out clear guidelines for the fair reporting of consumer credit information. Concurrently, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the gravity of unauthorized access and misuse of personal information. 

I affirm with absolute certainty that I haven't provided consent for I C SYSTEM to report any information to my credit report. This undeniable absence of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and showing a clear disregard for federal and state laws. 

I demand, unequivocally, that I C SYSTEM immediately cease any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be seen as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I stress that obtaining consent isn't optional but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This isn't open for discussion ; it's a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that I C SYSTEM will promptly rectify these serious violations, respecting my rights under federal and state laws.
Product: Credit reporting or other personal consumer reports

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

My student loan provider is duplicating my student loans, I only have one student loan. But they continue to duplicate on XXXX  XXXX  of Credit Reports.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has resulted in the continued presence of inaccurate or unverifiable accounts on my credit report, causing me harm.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing.

I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer under 15 U.S. Code 1681o. I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to those outlined in 15 U.S. Code 1681n and 1681o, if this matter is not resolved promptly and accurately.

The following items to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XX/XX/XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card

I got to my vacation city on XX/XX/year> the hotel said I had no reservation after only looking at me, I called the booking company their rep hung up on me at least 5 times I had to sleep XXXX night in my car then I returned home the next day First I had no reservation, they said I paid in advance, I need my refund, they knew I had reservations. The XXXXXXXX XXXXXXXX said there was a problem but never said was the problem was, ok!!! 
This credit card company representative told me that I was never in the place/city where I claimed to have been so I was a no show .So the credit card company believed the XXXX company. Remember above I was told at the door I had no reservation how could I have been told in person I had no reservation if I were not at the hotel Of course I have XXXX  tracking, XXXX XXXX  tracking tolls, video and emails etc. 
These people think I am going to pay for a service I never got This is fraud and I know why it happened, this must STOP!! 

The reservation company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  company is Barclays !
Product: Checking or savings account

I called my bank Wells Fargo regarding a lot of unknown deductions made by them. I was seeing a constant {$10.00} deduction without explanation. Every time I called about it, I would get the same response They said it was extra charges but they weren't able to tell me what those charges where for. One said for not having a certain amount of money in my account. But I always exceed the amount I was told. So since that wasnt the case i was asked to go to a branch to ask them the question and have them situated. When I went, I was told they didnt know why and that I had to call customer service. At the end of the day no one helped me and I still dont know what all those {$10.00} charges where for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX US DEPT ED XXXX XXXX Owed : {$2500.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$460.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DOE XXXX XXXX Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX BalanceOwed : {$160.00} ; US DEPT ED XXXX Balance Owed : {$4200.00}.
Product: Checking or savings account

XXXX XXXX sent a notification of " may close your account soon due to protection against fraud '', and basically restricted and locked my accounts immediately. ( $ XXXX ) I checked with them and they say no reasons could be provided and promised me that rest balance on accounts will be sent back via a check after 10 days to close the accounts. 

I checked again and found out they are just giving lies, they changed the wording to no time frame, accounts still under investigation. 

I stated that I'm an international college student and need the check to be send on or before the date they promised, and I stated that on the contract when opening the account the clause states Chase have right to investigate my transaction suspected with " fraud '' and shut down my account without a reason provided doesn't mean the right to put a hold for all my money in the account forever. They tell me just wait and can't do nothing.
Product: Mortgage

To Whom It May Concern, I have been trying to reach some type of alternative to foreclosure with my servicer Ocwen Loan Servicing , LLC, herein referred to as Ocwen, for years now. I have had no success despite all of the legal problems and issues Ocwen has had over the past years. After a lot of research, I discovered that the right to rescind my loan was still available to me because my loan had not yet consummated under the definition and laws of California, California Civil Code section XXXX. Due to this revelation, I mailed Ocwen a Notice of Rescission on XXXX XXXX, 2015. Ocwen received my Notice of Rescission on XXXX XXXX, 2015. Since receiving my Notice of Rescission, Ocwen has not taken any steps to be in compliance with the Federal Truth in Lending Act, herein referred to as TILA. Pursuant to TILA, my debt obligation is canceled immediately. It is self-enforcing and it automatically extinguishes the lien and the liability by operation of law. After receiving my Notice of Rescission, Ocwen had XXXX ( XXXX ) calendar days to take all necessary steps to remove the deed of trust from my property, return all monies they received for my home or file a declaratory action against to challenge the rescission. Ocwen chose not to do either. Under TILA, the creditor 's interest in the property is automatically negated regardless of its status and whether or not it was recorded or perfected. Furthermore, the security interest is void and of no legal effect regardless of whether the " creditor '', the entity that actually lent me the money, or Ocwen makes any affirmative response to my notice. Since Ocwen and/or the actual " creditor '' failed to file a declaratory action against me within XXXX ( XXXX ) days after receiving my Notice of Rescission on XXXX XXXX, 2015, they and/or the " creditor '' waived any affirmative defenses to the rescission and have given up any rights to a claim on my property or a claim to the money they alleged they lent to me. The debt is not only unsecured, but it is eradicated starting from my rescission notice and ending with Ocwen 's and/or the " creditor 's '' failure to comply with TILA within the XXXX calendar day period mandated by TILA. Based on TILA, there can be no legal foreclosure on my home. Presently Ocwen is attempting to enforce a foreclosure on a deed of trust that no longer exists. Under TILA, Ocwen is mandated to cease and desist the foreclosure against my home presently set for XXXX XXXX, 2015. There is no question that Ocwen is violating TILA. Given the blatant disregard and disrespect for my rescission rights, I respectfully request that the Consumer Financial Protection Bureau look into this matter, review it with critical detail and determine that Ocwen is in violation of TILA and they are subject to liability under the Act and immediately cancel all foreclosure action against my property and forward me a reconveyance as mandated under TILA. 
Sincerely, XXXX XXXX
Product: Debt collection

My identity was reported stolen to all credit bureaus in 2013 and the police record is on my file. PayPal credit has been continuously calling my phone about a debt I never owed and I have asked them to stop but they said the debt belongs to me. I also asked them to send me Documentations with my signatures on them but they have n't done so. Instead they 're asking me for a police report and I told them it is on my credit report and I will not file another one again. They have been calling me everyday from XXXX in the morning to late evenings. This is becoming unbearable and they 're harassing me. The number they 're calling from is XXXX. My number is also on DO NOT CALL REGISTRY.