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

In previous months, I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had corrected. Due to your lack of response, or responses which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to CORRECT the account listed below : XXXX XXXX XXXX XXXX Balance Owed : {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint - I initially went to the Experian.com website on the morning ( PST ) of XX/XX/2023 to put a credit freeze in place and the only option offered to me was to sign up for a monthly service at {$24.00} per month or call their Fraud department. I initially sought out the CFPB to complain about the required payment for a service the other agencies offer for free. It seemed to me Experian was making money providing credit services and it didn't make sense that I should need to pay to protect myself from fraud. It also seemed self serving to place a cost barrier to protecting oneself from fraud. 

Then something interesting happened. I was doing research on the CFPB website and signed back into my Experian.com account to make sure I had the right company name. I was now able to freeze my account for free, which I did. 

I can't prove what I saw when I first logged in ( no screen prints ), but I bet that's exactly what Experian relies on - having deniability. 

On my second login I'm betting their software either noted that I had accessed the CFPB website or because it was my second login now gave me the option of freezing my credit for free. 

I'm sure the CFPB has many more pressing issues to look after and this particular behavior I saw had to be embedded in the software logic. Something I'm sure would be difficult to uncover. 

I wanted to file this complaint just in case others have experienced or will experience what I did. 

No response necessary. I'm sure Experian would deny or suggest I made some error along thte way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity was stolen, and someone opened up fraudulent accounts.
Product: Mortgage

I fell behind on my payments and the company said they would help me save my home but they are trying to foreclosed on my home. I have been faxing documentation over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to XXXX requesting my score be updated, as it has not been updated since XXXX. As of today, my score has still not been updated. This is hurting my chances of obtaining credit.
Product: Money transfer, virtual currency, or money service

I discover fraud on my account XX/XX/XXXX, for XXXX when the person who purchased our condo received mail from us and accidentally opened the letter to discover a returned check from our XXXX then another XXXX was taken out of our XXXX account and then sent to XXXX. What we were able to intercept both those charges and stop them. In doing my taxes this week. I discovered that in XX/XX/XXXX that once again XXXX took {$5000.00} of our money in XXXX unauthorized contributions from our XXXX account. A separate deposit, XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX each for {$2500.00}. I called him right away and they gave me the runaround I was on hold for XXXX XXXX hours back-and-forth finally it turns out that theyre holding {$2000.00} of my money as of yesterday they had lock down the money and lock my account they never sent me any statements and never notified me that they were holding {$2000.00} and when the risk XXXX and I were working on the fraud case on XX/XX/XXXX, the risk officer never went back to XXXX to see that more fraud had taken place for the XXXX  {$5000.00}. This is absolutely unacceptable that our account was hacked in this way, More over, I have the fraudulent check made out to a XXXX XXXX in XXXX XXXX only because they messed up the address and it was returned that is the check was returned to my old address of which I am holding. A police report was filed by today it seems like nothing has been done
Product: Debt collection

The company did not send enough information verifying the legitimate balance of the debt. What they mailed to me showed a written-off balance of {$0.00} from the original creditor. After speaking to counsel, I decided to settle the debt vs. it remaining on my credit report while we continue to dispute it. We agreed on a settlement amount for deletion, but now the company refuses to provide a letter based on our agreement after I processed the payment. They are stating that I have to wait 30-45 days and callback before they would consider generating a letter confirming our agreement, and now I don't feel comfortable or confident that they are going to hold up to their end of the bargain.
Product: Debt collection

I 've been experiencing financial problems and have been paying on my Macy 's credit card. Although it 's not the complete payment, it 's something. I have explained to the agency what I can pay and when and their repeated calls are really annoying. The calls have been going on for quite some time but I 've started to count the calls and between XXXX - XXXX I 've received XXXX calls as I 'm writing this letter. the numbers they use are XXXX or XXXX. 

What rights to I have as a consumer?
Product: Credit reporting or other personal consumer reports

Dear Consumer Finianacial Bureau I am writing to dispute the following information that appears on my [ XXXX or Experian or XXXX ] consumer report : I AM VICTIM OF IDENTITY THEFT DUE TO THE DATA BREACH MY INFORMATION IS BEING USED FOR CREDIT CARDS, CARS, AND LOANS. 
Dispute XXXX Account Number or other information to identify account : no acct # Source of dispute information : XXXX XXXX XXXX XXXX XXXX Type of disputed information : the amount of {$2300.00} is invalid. The date opened ( XX/XX/XXXX ) is invalid Dates associated with item being disputed : [ XX/XX/XXXX Explanation of item being disputed : the date opened on the account is incorrect and the amount reporting is false. 
o Im the victim of identity theft due to the data breach all of my information was stolen and used multiple times and I dont recognize XXXX or more of the accounts on my report Dispute XXXX Account Number or other information to identify account : no acct # Source of dispute information : XXXX XXXX XXXX  Type of disputed information : The date opened is invalid. Sold my information. 
Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : the date opened on the account is incorrect and the amount reporting is false. 
o Im the victim of identity theft due to the data breach all of my information was stolen and used multiple times.

Dispute 3 Account Number or other information to identify account : no acct # Source of dispute information : XXXX Type of disputed information : The date opened is invalid. The amount reporting is invalid Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : the date opened on the account is incorrect and the amount reporting is false. 
o Im the victim of identity theft due to the data breach all of my information was stolen and used multiple times. 
Dispute # XXXX Public records I have an arrest showing on my public record. It was in XXXX XXXX XXXX XXXXXXXX  I have been cleared of any charges and I was not convicted. as per XXXX XXXX courts this should not be reporting on my background or credit. 
Dispute # XXXX there are addresses XXXX years old reporting on my credit that should be removed also the actions taken by these companies included phone calls threatening to come to my house. threatening to garnish my wages. calling blocked and making threats to my life. 
This debt is in violation of 15 U.S.C. 1692e ( 2 ) ( A ), made false threats to take actions that can not legally be taken in violation of 15 U.S.C. 1692e, 1692e ( 5 ), and used false representations and/or deceptive means to collect the debt in violation of 15 U.S.C. 1692e ( 10 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXXXXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Exeter Finance didnt provide any proof of said claim. Exeter stated they reviewed the calls. They even stated the extended. They didnt say it was applied.

Exeter Finance is using stall tactics to attemp to reprocess the vehicle during the pending situation.

Ive taken steps to prevent that from happening.

Until matter is formally handled
Product: Debt collection

This matter pertains to four issues : ( 1 ) This company has placed multiple claims in my credit report for the same item. I have disputed this and all items below a number of times without a single response from the company. The company has now sold the account, yet continues to list it as a damaging item in my credit. 
( 2 ) This company is falsyfing information about last payments to claim this needs to remain in my credit longer than it already has been. They first claimed delinquency in 2008, when contacted them about proof they were not able to provide any. 
( 3 ) This company never provided any evidence or substantiation to the amounts being reported. I engaged a lawyer to help me and this company refused to furnish any data. 
( 4 ) This company sold the alleged debt to a third party, continues to report this old item, while not being able to provide any data as to the source of this claim, dates, or any relevant information, and has not contacted me directly, rather it has called my mother and other family members and disclosed that I have a debt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate 30-day late report to the credit bureaus.

Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

My loan is through XXXX XXXX XXXX however in order to make payments you pay to XXXX XXXXXXXX XXXX. I am having trouble afford the minimum payments and the company will not lower payments, set up a better payment plan, nor change the due date. I contacted XXXX XXXX XXXX since they are the loan servicer, however you must leave a voicemail. For several weeks I have been contacting the company to see if they will extend my forbirence however I never receive a call back. I also emailed the XXXX XXXX XXXX however they have yet to contact me. My payment is due on the XXXX and Ive been trying to find a solution for my payment issue for weeks now without any help. XXXX XXXX XXXX says they can not help me at all and that if payment is late I will receive late fees, which Im trying to avoid. I have never missed one payment to this company so I dont have a deliquient account. If you can help me please contact me
Product: Credit reporting or other personal consumer reports

Accounts : XXXX I am filing a complaint against OPPLOANS/FINWISE, XXXX, XXXX, EQUIFAX for inaccurate reporting of a charged-off debt, violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). OPPLOANS/FINWISE has reported a charged-off debt to XXXX, XXXX, and EQUIFAX XXXX my credit report. This is in violation of the FDCPA, which states that when an account is more than 180 days past due, it must generally be charged off. Despite being charged off, OPPLOANS/FINWISE has failed to provide me with a 1099-C form, as required by IRS code 4681. XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated the FCRA ( 15 US. .Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) by reporting inaccurate information to the credit bureaus. Specifically, they have reported the charged-off debt without having reasonable cause to believe that the information is accurate. OPPLOANS/FINWISE actions also violate the Consumer Financial Protection Act ( CFPA ) - 12 CFR 31.3 and the CFPA 's prohibition against unfair, deceptive, or abusive acts or practices. By continuing to report the charged-off account as a debt, XXXX  ) is engaging in deceptive conduct that harms consumers ( XXXX ). Furthermore, OPPLOANS/FINWISE has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. OPPLOANS/FINWISE improperly disclosed my personal information to credit reporting agencies, specifically XXXX, XXXX, and EQUIFAX without my permission. Additionally, OPPLOANS/FINWISE has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties, such as XXXX, XXXX, and EQUIFAX XXXX This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ).
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 Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Student loan

Requested loan refund in XX/XX/XXXX. FULL loan balance was restored and I received a PARTIAL refund in XX/XX/XXXX. {$9300.00} refund is still missing. Allegedly, check was issued by treasury department but lost in the mail. Requested check to be cancelled and re-issued in XXXX of XXXX and was initially assured that it would take approximately 2 weeks. Called to follow up countless times since ( at LEAST once per month but often more ) and have been assured each time that the refund is being worked on. Eventually, in XX/XX/XXXX, I was told that nobody at Mohela ever submitted the request but that it was done at that time and would take UP TO 90 days for me to receive a refund check. I was told that my loan balance could not be accurately updated since the refund process was started even though I have not received the money back. It is now XX/XX/XXXX ( past the 90 day mark ) and I have not received a check. I called Mohela XX/XX/XXXX and was told the check has NOT been re-issued still. Mohela still refuses to update my loan balance. My credit rating has been affected by this inaccurate debt-to-income ratio as well. It has now been approximately 11 months since I first requested a refund and 5 months since I requested the re-issued check and for my loan balance to be corrected. Mohela has only ever responded to messages by stating that they need more time to look into my issue and that they have up to 15 days to respond but have NEVER reached out to follow-up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

These inquires do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I submitted request for a loan from upstart for the amount of {$7000.00} I was pre approve based on a soft pull credit report I was requested to provided documents in which I did and everything was successfully verified I was instructed to remove freeze on XXXX credit report which it was preventing them from accessing a hard pull in which that was completed successful. I received a letter of denial stated information couldnt be verify I spoke to supervisor and I was told they couldnt access credit report that information they stated to me was false I feel I was discriminated against for loan and I want answers