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

On XX/XX/XXXX, I tried to order my free Equifax Annual Credit report online via XXXX. I was unsuccessful. I was successful in ordering my free reports online that day for XXXX  and XXXX. I received the following message regarding Equifax : We are not able to deliver your free Equifax Annual Credit Report online. I advised the XXXX site via feedback that I was unsuccessful. I received a letter from the ACR.com site stating to order via mail or XXXX. On XX/XX/XXXX I tried again to order my free Equifax report and thought I was successful in ordering via the phone number XXXX ; as I received a message when done stating it would be mailed within 15 days. On XX/XX/XXXX, I still had not received my free credit report from Equifax, so I advised the XXXX site via feedback that I was still unsuccessful. The XXXX site sent me another letter stating to order by mail or the XXXX #. I tried to contact Equifax but there is no email address, phone number or online form to advise them of the issues. I searched the Internet as well and everyone states it is impossible to contact Equifax for assistance. So on XX/XX/XXXX, I tried again to order my free Equifax report online. And was unsuccessful. I received the message : We are not able to deliver your free Equifax Annual Credit Report online. Even though again, I answered all questions correctly. I had all the information needed for the Equifax report from my reports from XXXX and XXXX, but Equifax online would not accept. I will not send my SS # or copy of my DL or any other personal info via paper via the XXXX or XXXX, etc as that is just asking for my personal information to be breached/hacked and opening up to fraud. I should not have to anyway as TransUnion and Experian both worked perfectly. Equifax should know this from their experience in XXXX regarding personal information breached/hacked. I want my free Equifax Annual Credit Report just like XXXX and XXXX provided. I therefore am requesting assistance from the CFPB please.
Product: Debt collection

I had a phone call from Medicredit on XX/XX/XXXX saying I have a medical debt. The medical debt with XXXX XXXX XXXX XXXX was dismissed because it was misfiled with my insurance. They resubmitted it. After the initial phone call, then I get a letter to dispute within 30 days. The letter was received on XX/XX/XXXX and a phone that same day. I wrote them to cease all communications with me and that this debt was not valid. They must not keep in contact with their clients to see this. I received another phone call on XX/XX/XXXX. They did not give me notice beforehand and no 30 days to dispute and even after getting my letter, they are still calling. They are violating numerous FDCPA.
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report from Experian that currently still shows inaccurate information. I have sent 3 requests to Experian for an investigation of the alleged public record listed of bankruptcy. I have received incomplete and unverified information back from Experian states that alleged public record verified per data furnisher. Experian has failed to advise how the alleged public record listed of bankruptcy was verified.

US Bankruptcy Court Reference Number : XXXX Status : Dismissed Date Filed XXXX XXXX Bankruptcy Court Reference Number : XXXX Status : Dismissed Date Filed XXXX The CFPB found Experian ignored consumer documents and evidence submitted with disputes, allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers about the results of its investigations, and used flawed software code which led to inaccurate credit scores. The order requires Experian to comply with federal law, and Experian must pay a {$15.00} XXXX civil money penalty, which will be deposited into the CFPBs victims relief fund.

I understand the FCRA Act under Section 605b was originally enacted back in 1970 to help promote accuracy, have the information blocked, fairness, and privacy in the collection and dissemination, and ultimately all use, of consumer credit file information. It provides multiple rights and protections for consumers. The credit bureau is legally obligated to either remove or block that information from my current report in 4 days if not I have grounds to bring legal action against the bureau.

The FCRA Act under Section 605b provides multiple rights and protections for consumers and outlines the regulations and expectations imposed on creditors, lenders, and furnishers of information to the credit bureaus : XXXX, Experian, and XXXX. It also establishes the requirements and guidelines for the reporting of consumer credit information, as well as the dispute resolution processes, and the requirements for gaining access to credit reports.

I am a consumer showing proof that a negative item or multiple items on my credit report are inaccurate due to identity theft, the credit bureau Experian is legally obligated to either remove or block that information from my current credit report. Experian failed in its basic duty to investigate and resolve consumer disputes about inaccurate information on their credit reports, Please find attached documents : XXXX XXXX United States Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian - Dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I took over a loan with XXXX XXXX XXXX XXXX in XX/XX/XXXX from my granddaughter. I co-signed on this loan and found that my granddaughter was not paying the loan properly. There were delinquent payments from her and finally no payments period. Before taking over the loan I contacted the credit union and had the reposes the vehicle, I also made arrangements to pay the remainder of the loan back over the next few years. Since XX/XX/XXXX I have paid back all of the remainder of {$10000.00} remaining on the loan except for approximately {$1200.00}. I have made payments as agreed since XX/XX/XXXX and will continue to make payments until the entire loan has been paid off. Recently XXXX  and Equifax show this account voluntarily surrendered in XX/XX/XXXX not XX/XX/XXXX. I have filed complaints trying to get the information corrected but the companies will do nothing. Most recently when I filled a complaint with Equifax they added a second appearance of the same loan on my credit report and reduced my credit score by 104 points. I need help in getting this loan corrected and having this loan reported correctly in my credit file.
Product: Mortgage

Duty pursuant to the FCRA , it is XXXX  duty to be reporting correct and accurate information on my credit report and
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 90 day delinquencies on my credit report that are erroneous. I set up deferment status with the student loan company and they neglected to follow through with the status update on my file. 3 months later I received my first late notice. I called and inquired as to why I was in delinquent status and was informed that there was no deferral in place on my account. I explained that I had spoken to someone about the deferral previously and was told that I would be granted an administrative forbearance retroactively and have the delinquency taken off my credit record. 

A few years later I checked my credit report to see that the forbearance had never happened as promised and that I still had 4 separate delinquencies stemming from one bundle of loans all originating from the same lender. I believe this in itself is a unfair practice and unnecessarily burdens young XXXX  by damaging their credit excessively. 

I believe the error in reporting is due to an overloaded staff at the agency. I was very clear about the terms of deferment and forbearance on the phone but my account was not updated to reflect this.
Product: Debt collection

A collection just showed up on my credit, it is not my account. I do not owe this nor is this mine. Please help I got no notification from this company or I would have fought this. It just was reported on my credit file. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer did not consent too nor authorize these inquiries that are reporting to my Experian consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Experian. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Experian sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Experian an identity theft report via USPS certified mail. Is Experian above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Experian humiliated me to the public and damaged my reputation. Experian decreased my score because of those inquiries that have no connection to me. If Experian can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to XXXX XXXX XXXX XXXX because of the fraudulent activity that Experian let concur on my consumer report. Experian stole my identity and sold my private information without prior consent. Where is my right to privacy?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING ISSUES GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT THAT IS AN ERROR
Product: Credit card or prepaid card

On XX/XX/2021 - I made a purchase at Amazon.com with Amazon Credit card by Chase " XXXX XXXX XXXX XXXX WA XXXX Order XXXX '' On XX/XX/2021 this item was returned ( prove of return can be provided ) Since that process going back and force between me, Amazon and Chase bank : Put amount of {$69.00} on dispute several times, constantly calling Amazon.com and Amazon Chase Credit card : One month They give me money back, next month take money back and add late fee charges on top Spoke with different people from both side - and finally got an answer : 1. From Chase Bank They will not credit me back with {$69.00}, but will wave all late fee 2, From Amazon They Provide me with an email what stands that merchandise was properly returned to Amazon and money was issued to my Amazon XXXX XXXX card for {$69.00} on XX/XX/2021 what else should i do to get my own money back?
Product: Debt collection

This account was reported as a collection/charge-off. The reporting of this accout is incorrect as there is showing a balance of {$2600.00} on a charged-off account as of XXXX XXXX. Under the FDCPA 15 USC 1692 act, there are numerous violations to your account and account reporting. Per the documentation submitted with this complaint, you will see the dates of the original creditors charge-off account with original alleged debt amount as well as the new increasing monthly debt? Also, the fact you are showing representatives as a law firm and not a debt collector is very misleading! Also, it is a violation of the FDCPA, I do believe. I would like to also know the exact nature of the increasing fees on the debt since the new reported debt by your company is showing from {$2900.00} to as high as {$3200.00} in the letter your company just sent? These discrepancies are gounds for dismissal alone. Furthermore, my income is protected as that it's all XXXX income that is uncollectable for debt. This is easily verified. I have never received a 1099c from XXXX of XXXX for the debt charge-off, which makes this income, which, at this time years later is also a violation. I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given. I do believe that the status of this accout is incorrect and that i have proofed that with the included documentation. I am giving you the opportunity to delete this account from your collections as well as from all three credit reporting agencies before I request litigation to show all the inaccuracies and misleading representations as well as the fess that are accumulating on the account with the numerous total amount due balances on a charged-off account. I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.
Product: Mortgage

Mortgage company is not applying payments correctly. There not applying the payments as instructed to on the payment receipt. They are being missapplied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on your report ( incorrectly shows account still open, inquiries from institutions I never used. ) Experian i very XXXX up ... .XXXX Compromised my private info including SSN in the largest breach in history. All 3 have inquiries that i never authorized and its affecting my score.

I am getting turned down for prepaid debit cards ... its ridiculous XXXX is best or most accurate of the 3, XXXX is 2nd ... .New player is XXXX ... out of Pennsylvania..do n't know how to get their report.
Product: Debt collection

Never receieved a validation notice/statement of paid on the account. False representation, ask the company to stop calling on XX/XX/2018 they kept calling.
Product: Student loan

I tried numerous times from XXXX to XX/XX/2023 to speak to a customer representative so that I can reenroll in the XXXX and to enroll in XXXX. I gave their automatic questioning system my information ; they transfer me to the customer representative department, but I get no answer. After holding the phone for more than an hour, it cuts off. This happened numerous times, I tried to log into my account, an error message says that it can not recognize my email, Therefore, I can not access nor reset my password to enter my account. Customer Representatives do not answer me their student loan client to give me assistance and information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries on my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit report. 
The following accounts were not opened by me and should be immediately blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

AFTER TAKING A CLOSE LOOK INTO MY CREDIT REPORTS, I DISCOVERED YOU REPORTING WRONG INFORMATION ON ALL CREDIT XXXX WHICH INCLUDE : ADDRESSES WHICH SHOULD BE THE XXXX ON MY DRIVERS LICENSE THE ONLY XXXX, UTILITY ACCOUNTS OTHER WRONGFUL REMARKS.
Product: Debt collection

account XXXX balance XXXX reported XX/XX/year>, under pursaunt FDCPA15 US CODE 1692g i requsted a complete validation that i legally owe this dept, not my addres and phone number the name of the creditor, the address and how old is this dept, how much it is, under US CODE 1681B proof of purchase agreement the date and the anount it was paid for proof because other claim to owe this dept, this it the 3 time, if you can not proof this you got 15 to 30 days to summit this if not you must remove all inaccurate info from my report all 3 beaura
Product: Credit card

Date of transaction : XX/XX/year> XXXX Amount : XXXX USD Actions taken by me : -Have contacted seller. Seller said he would issue refund. Never issues refund. 
-Have contacted PayPal . PayPal keeps telling me they escalated it but no one contacts me -have contacted synchrony Bank 7 times and they have opened a dispute said they would tell if they needed anything. Didn't reach out closed first case. Reopened and submitted documents they closed because they said they had no supporting documents which the guy on the recorded line confirmed I did send a lot of documents on, said he opened the case and referenced previous case. Today I find out 3rd case was never opened.

Actions taken by other companies and seller : -a XXXX -a years worth of wasted energy and time. 
-a years worth of insurance payments with no car to show
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial complaint, XXXX, was withdrawn because I need to attach documents that include communication from Equifax providing XXXX that this company is contacting me directly instead of through the Consumer Financial Protection Bureau XXXX I was told to do this by a representative from CFPB. My initial complaint still stands, which is : Equifax is refusing to update my credit report with the current address as well as other information, and it has decreased my score significantly with the new information it does receive. However, it doesn't use the new information to actually update my credit report profile. I have sent in as well as tried to upload my documents, and Equifax still refuses to update my information. Someone else is receiving copies of my credit report because it goes to a previous address located in a different state. I have called, and Equifax will not correct the issue unless I send out even more copies of my persoal information. No one should ever ask for a copy of your social security card, ID, Birth certificate, and Lease Agreement documents al at once. This is like handing over everything about yourself. This is how this company misuses personal information. 

Equifax is currently stating that my credit file can not be found, which is interesting given that they were able to contact me at my new address, no less, to notify me of this. They were also able to update my score by dropping it almost 100 points. Interesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made serveral attempts to resolve my issue with XXXX XXXX XXXX in regards to validate the account, not the balance. I havent received know payment history or any verfication that the account is accurate and/or beloning to me. I 'm willing to assume ownership only if they provide me with sufficient evidence that this account was truly mine and proof of the payment history verifyng the amount owed is correct. I 'm concerned that this account may not belong to me, and/or the reporting to XXXX, Experian and XXXX may be inaccurate. In complaince with FCRA 623 ( a ) ( 8 ) ( D ) and acting regulations published at 74 Fed Reg 31484 ( july 1, 2009 ), this notice includes. Basis of disputed : On Experian acct # XXXX shows no payment history, only charge-off history.Open date XX/XX/XXXX, last updated XX/XX/XXXX, charged-off XXXX with last payment dated XX/XX/XXXX. XXXX shows last payment dated XX/XX/XXXX and a close date of XX/XX/XXXX with no payment history. XXXX shows only the only a open date XX/XX/XXXX with no payment history only a charge-off history. My question is how are the bureaus completing an investigations without updating the account with payment history, only a stating that it 's valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR SIR, Experian is reporting a CHARGE OFF AS A outing standing BALANCE IN MY TOTAL which should not be added as a amount in my total balance. The total amount outstanding should not include a CHARGE OFF AMOUNT... 

ALSO, XXXX REFUSES TO ACCEPT MONTHTLY PAYENTS THEY WANT THE TOTAL CHARGE OFF ANOUNT, XXXX AND XXXX DOES NOT ADD THE CHARGE OFF TO THE OUTSTANDING CREDIT CARD BALANCE..XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAN NOT AFFORD TO PAY A TOTAL AMOUNT OWNED, THE IRS SAYS THEY TOOK CREDIT FOR THE CHARGE ON THEIR TAXES ALREADY IN 2018 WHEN THE CHARGE OFF WAS FILED, PLEASE THIS CORREC THIS WITH EXPERIAN THEY ARE SO HARD TO DEAL WITH AND THEY DON'T REPORT FAIRLY. 

THANKING YOU FOR ALL THE HELP YOU CAN GIVE ME.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank ss ( XXXX # same inquiries ) wasnt able to provide contract agreement details of fraudulent loans. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they wasnt able to provide contract agreement details of fraudulent activities to obtain retail credit nor activities related to me documented. And XXXX, Its reported as well fraudulent on the XXXX CREDIT REPORT. Identity theft reports as well as police reports and complaints and disputes of XXXX VIOLATIONS to my privacy, and slander of these false reporting to my report.EXPERIAN CREDIT AGENCY fails to comply with the fcra, XXXX, and the cfpb
Product: Debt collection

I attended XXXX XXXX XX/XX/2015 per the school guidelines I was to withdraw by week 3 in order to not be charged for the school term. Per the school administrators I did do that, I am now being charged my Meade and Associates ( a debt collector for the balance ) I have tried to contact the debt collector and the school. No resolution seems to be getting resolved.