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

I sent equifax a letter about mis- reporting accounts on my credit report.Equifax did not provide me with information on how they verified these accounts. I have no record of the above accounts and I am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting.Equifax is in violation of the FCRA because they did not show proof of the alleged accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/2022 I made a {$500.00} payment to a credit account ( XXXX XXXX ) to bring my debt ratio down below the 30 % mark. On XX/XX/2022, both TransUnion and XXXX registered the payment and DROPPED my score by XXXX POINTS! I have filed a complaint with XXXX ( who collect my scores ) and they directed me to file a dispute with the credit companies. I did as advised, both companies have acknowledged that it was correct to report that I made the {$500.00} payment, but they refuse to adjust my credit score. 

I do not think the credit reporting system in this country is designed to penalize people for reducing credit. The credit reporting companies give the public clear guidelines about how to manage a " good '' credit score. I have followed those guidelines and had gotten my score up into the " very good '' range. A XXXX point drop buts me on the border between " fair '' and " good ''. This is a travesty that I believe keeps Americans from lifting themselves up in society. Please address this. Thank you.
Product: Credit reporting

As of XXXX XXXX, 2016 I became aware that I was a victim of identity theft. I have since contacted all three credit reporting companies, including Experian, and found out that apparently whomever had stolen my identity had also gone so far as to establish an online credit monitoring account with Experian as well. So far, as of this morning there are multiple " inactive '' accounts with my personal information like ; SS #, Date of Birth, address etc that are presently associated with a completely different name. I have spoken to the Experian credit monitoring service a total of ( 4 ) times within this past week, with the most recent being for 2 hours yesterday over the phone, and they continue to tell me that these accounts can not be closed but they are inactive. Unfortunately, because of this I am unable to establish a member account online so that I may monitor my credit more closely in hopes to better avoid and prevent identity theft from happening to me again. I have tried on multiple occasions, waiting a minimum of 24 hours in between each attempt while also trying to create new accounts with new emails, passwords, payment information, etc. to no avail. I simply can not understand why there appears to be no one that can help me establish a monitoring account. You would certainly think that they would want my money for obvious reasons, but if for nothing else I would certainly appreciate someone helping to remove these accounts, however many there are, so that I may legitimately establish my own.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 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 Experians inaction violates federal law and my rights as a consumer
Product: Debt collection

Hi I would like to give thanks ahead of time for helping resolve my problem. The issue is with XXXX XXXX XXXX XXXX I have send this company a letter for them to dispute the account that was opened fraudulent and I send a letter of report from identity theft, and also a police report. They have not removed it from my credit report and they send me a letter stating that the account was accurate. Please help me solve this issue with this company.
Product: Credit reporting or other personal consumer reports

They saying that I owe for a credit card I never got or filled out for and Im trying to get another credit card and its blocking me from getting other cars because I got this on my record I just want help
Product: Student loan

I applied for XXXX loan forgiveness on XX/XX/XXXX. Due to XXXX, XXXX was my 120 payment. I actually submitted paperwork on XXXX. It was confusing because there used to be 2 separate forms -- -one for employment certification and one for application for forgiveness. When I submitted the form on XXXX, I had 6 payments that still needed to be certified. On XX/XX/XXXX, I received a letter stating that my application for forgiveness was denied because at the time it was submitted I had not made 120 qualifying payments. It stated that I had now made 120 qualifying payments and needed to resubmit my application. Nowhere in this letter did it state that I needed to submit it AFTER my payment due date. 

I resubmitted it on XX/XX/XXXX. It took until XXXX to receive a response about this application. Again it was denied because I submitted it before my payment due date of XX/XX/XXXX. 

It is frustrating that it took 5 months to get that response. I have since sent a 3rd application. I am trying to buy a house. I need to student loan debt removed from my credit report to help my debt to income ratio. The loan servicer is playing games to delay the loan forgiveness. 

It is frustrating that I have played by the rules. I graduated from college in XXXX. Most of these loans would've been forgiven anyway 3 years ago except that the government is up to shenanigans. How much longer do I have to wait?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 



In accordance with the Fair Credit Reporting act 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. 



In accordance with the Fair Credit Reporting act 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.
Product: Debt collection

TO

WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

I received a letter from US Bank threatening me over a negative balance in a checking account. ( XX/XX/XXXX, seperate from the letter they sent in XXXX. This is a separate incident, and not a resubmission of a previous complaint. ) I have no access to the banking system. My previous account was locked, and XXXX XXXX XXXX XXXX XXXX were lost. XXXX XXXX threatened to arrest me when I went to a branch to try to unlock the account, and they filed a false police report where the woman told them I was XXXX XXXX XXXX XXXX XXXX XXXX. FBI came to my house to harrass me as well and they are illegally censoring my ability to speak on what I witnessed on social media. I am a witness to a XXXX XXXX XXXX XXXX  Do not contact me again. This account is part of the XXXX bankruptcy estate. Contact XXXX XXXX XXXX XXXX for everything. Do not contact me again. I have no desire to do any business with an american financial institution for the rest of my life. Those responsible should face a XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is hiding my credit and not reporting it accurate!!! 
Experian is trying to black mail me into monthly payments monthly telling people who run my credit I don't have any accounts when they have my credit blocked inside of my account already but they not reporting these accounts existed they are saying I have no accounts or a score unless I pay them this is a scam!!! 

I have had XXXX credit cards over 28 years for a over XXXX in credit and never missed a payment 100 % payment history! 
I have always made payments on time never ever late 100 % payment history It's insulting to hear them tell me for a monthly payment I can have them report nice things about my rent and utilities this is not credit from a lender so what they trying to charge for is laughable will not help anyone borrow in the big picture!!! 
I am providing picture as proof of the Experian scam & fraud they trying to pull ... ....
Product: Student loan

I XXXX XXXX XXXX XXXX, XXXX would like to file a complaint against this debt collecting company called USI Solutions they are aggressively trying to pursue me to pay a loan that I have never in my life seen or received a check for .there number is XXXX this is some fraudulent loan and I 'm not paying for a loan I do not owe.University XXXX I have never attened a online school this is some type of Identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. CAPITAL ONE XXXX Date Opened XXXX XXXX, 2017 Balance {$2400.00}, please update this right away. See the documents attached.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame. 
1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA section 807 violation misleading false reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
4. This account is INVALIDATED for it is no longer reported in XXXX and Equifax. The way it is reported is INACCURATE and a CLEAR violation of my FCRA rights. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW information about existing complaint : I filed and complaint to Equifax stating I would like for them to remove a certain account from my credit report. It was furnished without my consent and due to that I filed a FTC report. That said account was deleted and upped my score profoundly. A few days later I noticed it was back on my report with many new late payments added and downgraded my score a total of XXXX points! This is humiliating and cause me XXXX and XXXX.
Product: Credit reporting, credit repair services, 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. 

XXXX. XXXX XXXX Co Account # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX. XXXX XXXX of XXXX Account # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This collection account is showing on my credit reports. I never received notification of this debt from ccs. I never received anything from CCS informing me of my right to dispute this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple OFFICE OF THE ATTY GEN - XXXX disputes XXXX ( Report # XXXX ), XXXX ( Report # XXXX ), and XXXX ( Report # XXXX ). Experian Remove and or Suppress you have not done a proper investigation and reinvestigation because you marked OFFICE OF THE ATTY GEN CERTIFIED AS ACCURATE which is impossible XXXX deleted XXXX and XXXX deleted XXXX. Why is it that XXXX and XXXX both removed this account for unverifiable information and inaccuracies but you continue marking CERTIFIED AS ACCURATE without completing an independent investigation. 

Experian please, Remove because you marked this account 180 Days late XX/XX/2022 without first being 30 days late, 60 days late, 90 days late, 120 days late, or 150 days late. 
You have had multiple times to correct or fix the issue. Remove within the next 15 days. 
Please, mail a full copy of the Dispute Results when complete! 
XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ACCOUNTS. 
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

This claim was filed twice with Chase Sapphire Preferred involving my hotel booking, which was affected by the XXXXoronaVirus ( COVID-19 ). I have tried to cancel and re-dispute this claim, but the Chase Claim investigator initially denied my request because she didnt understand the severity of the CoronaVirus ( COVID-19 ) at the time when I opened my first claim on XX/XX/XXXX. 

My hotel booking in XXXX took place on XX/XX/XXXX. Everyone is aware about the Travel Ban and every country was under quarantine. CoronaVirus has been ongoing since XXXX of 2019, and consequently to its extremity, a travel ban was issued by President Trump on XX/XX/XXXX as well as across XXXX. within my booking date on XX/XX/XXXX. 

Chase Claim 's Dept gave me the excuse that the hotel has its own cancellation policy, but no hotel has a policy about a pandemic disease like CoronaVirus. 

Being unaware doesnt change the fact that I was affected, and I am still eligible for a refund for my booking when its within Travel Ban period. 

As a result, the XXXX XXXX couldnt have provided the service anyways since the Global Travel Ban prohibited us exiting the U.S. and entering XXXX. 

I have tried emailing and calling numerously to the hotel to get a confirmation email for the full refund trip. The hotel staff emailed me and said that the cancellation has taken process, but yet no full refund has been honored. 

My next step will be filing a small claim suit against Chase since I did opt out from their arbitration clause.
Product: Checking or savings account

they have done the three-way call to verify my account but refuse to issue me a check. they asked me to apply to activate the account, but keep telling me that the application is under review.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

15usc168 company are reporting fraud inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

All these hard Inquires are fraudulent. Attached is my FTC report
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 Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have discovered several accounts on my credit report that I have no connection to, and they should not be there. This is not only an error but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that my credit report must be accurate and free from any false information. These incorrect accounts are causing unnecessary harm and stress, and I expect immediate action to rectify this issue. If this matter is not resolved promptly, I will take the necessary steps to protect my legal rights, including pursuing legal action.
Product: Mortgage

I had a loan w ith OCWEN. We  sold our house and had new financing and we 're going to pay them off. We had a closing date and the payoff amount. Once we closed the loan and they were paid off, about  two  months later it showed on my credit report that I ha d missed two pa yments to them. Which my title company and I were told not to worry about because they knew of the closing date and we had the exact payoff amount. I have tried to contact them numerous times to get this removed from my credit report and they will not do it.
Product: Student loan

Since XX/XX/XXXX, we have been paying {$1900.00} every month -- have not skipped a month. Then XX/XX/XXXX, Nelnet says there is accrued interest through XX/XX/XXXX of {$26000.00} added to our loan -- between interest during Covid and this new accrued interest we went from owing around {$200000.00} -- to now owing around {$270000.00}. We will never be able to pay this loan off--
Product: Credit reporting or other personal consumer reports

I was taken aback this morning when I saw inaccurate accounts on my credit report. I dont understand why this is happening since Ive been checking my report regularly without issues until now. I tried refreshing my browser, hoping it was just a glitch, but nothing changed. These incorrect accounts are still there, and Im requesting that my documents be thoroughly checked to resolve this.
Product: Credit card

Please refer to the following CFPB complaints previously filed by me. They describe what happened. 

XXXX XXXX XXXX I'm attaching a file that is a letter from Synchrony Bank clearing my responsibility for the charges. It states " you didn't make these purchases, so you're not responsible for them ''. 

The dentist and Synchrony committed identity theft. They do not have a CareCredit application signed by me. When they closed my CC account, it had a balance due of {$5600.00} which were charges for procedures that were never done. I wish to file suit against them both for the time, effort and XXXX  I experienced for 14 months trying to clear that balance. Also, I wish to recover {$1700.00} I paid to an attorney to help. He sent a certified letter, made several phone calls, and XXXX XXXX never responded to any of that. Both were very negligent in their responses to my disputes. The dentist ( XXXX XXXX, now XXXX XXXX ) never responded to anything but the CFPB complaints. They lied in those responses about some things.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was disputed for inaccuracy reporting on a closed account with monthly payments being reported, account was paid with no update to balance due or owed after the dispute results came back as updated nothing was validated nor fix after I reached out to representatives about the dispute the phone was hung up in my face