23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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: Debt collection

My wife and I are getting repeated calls from " High Point Asset '' about her debt. She does not have any outstanding debt and the company wants her to immediately verify her SSN. We get XXXX calls per day and it is very obnoxious.
Product: Credit reporting or other personal consumer reports

I received my Experian credit and dispute results on XX/XX/XXXX after reviewing the document. I noticed that the information was inaccurate. As I attempted to dispute the information online. I was prompted to call customer service to dispute the error. I called the Experian customer service representative and was advised that the information would be removed after investigation. I received results and the error wasn't removed. It took the credit bureau more than 35 days to address the issue.Several months went by and I still was experiencing delay, denial and loss from this error. Just to discover after calling on XX/XX/XXXX that the SS # error was still on my credit report. 
That violations my rights occurring to the law. 
15 USC 1681i ( a ) ( 1 ) ( A ) : 15 USC 1681 e ( b ) 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) 15 USC 1681e ( b ) 15 USC 1681s-2 ( a ) & ( b ) 15 USC 1681n
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax 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 XXXXXX/XX/year>
Product: Student loan

Since leaving school in XXXX my account was on an Income Based Repayment plan ( IBR ) with payments of {$0.00} per month. when the time came for this year 's submission of an annual renewal for the IBR I did not receive any correspondence from the servicer via email, physical mail, or by phone. The only reason I am aware of the issue is I've begun looking into my credit closely, to discover that my score had fallen over 100 points because of 15 " late payments. '' Three instances from five loan accounts were now delinquent because I had been switched back to a standard repayment plan without my knowledge. On XX/XX/XXXX I contacted the servicer where I corrected all the incorrect information on my account, and the first thing the servicer customer service had offered me was to go into forbearance.The representative offered only an address to direct a written letter to when I asked about the mishap causing a mistake with their credit reporting.

I have a second set of student loans serviced by another company, also on an IBR, which shows that I have been prompt in my upkeep when properly informed.
Product: Student loan

Navient cheated me out my rights to lower repayment, did not informed me of other programs that would better fit my income. Navient has damage my credit by reporting incorrect information, as a struggling borrower I was mislead into forbearance would be the same as income driven repayment plan. Very poor service, and has cause a great big hardship on me and my family.
Product: Debt collection

I received a phone call on Tuesday XX/XX/XXXX at XXXX from a debt collector claiming that he was an attorney from Aldous and Associates from the number XXXX attempting to collect a debt of {$57.00} from XXXX XXXX XXXX. I asked the man who was the agent was he a debt collector or an attorney? He told me he was an attorney. I made him aware of violations of my consumer right pursuant to 15 USC 1692e ( 3 ) false and misleading representation. I told him the false representation or implication that any individual is an attorney or that any communication is from an attorney is a violation of my consumer rights. He hesitated, became defensive, and told me a disclosure ; " this is an attempt to collect a debt. '' etc. and before I could tell him to " cease and desist '' pursuant to 15 USC 1692c Communication in connection with debt collection until they provided me proper validation of debt pursuant to 12 CFR 1006 Regulation F. He hung up the phone as I was speaking. Before he hung up, he threatened and told me if I didn't pay the debt, they would put it on my credit report. I called the number the agent called me from back. A female agent of the company picked up. I confirmed to see if it was the same company. I told her what happened, and she was shocked by the actions of the agent I originally spoke to and transferred me to her " supervisor ''. I explained and he said that he would go back and listen to the recorded call. I told him that they must cease and desist calling me until they provide proper validation of debt and that what his agent did was a violation of my rights. He told me they won't do that. I have to request it in the mail.
Product: Debt collection

LVNV FUNDING LLC # XXXX have filed an ID theft report over this account, please see the attached documents.
Product: Debt collection

Healthcare Receivables Group is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed and active within their state. Healthcare Receivables Group is currently SUSPENDED with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies immediately due to a non active status.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that does not belong to me in the amount of {$1500.00} reported by XXXX which has resulted in my credit score dropping XXXX points. This account has no payment history but list that it is a 7 1/2 year old account. 

This is in violation of : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Complaint Regarding Failure to Reinvestigate Account XXXX XXXX XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report, as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). TransUnion has failed to remove a late payment from my XXXX XXXX XXXXXXXX account , despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXXXXXX account , which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, TransUnion was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite this statutory obligation, TransUnion has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request that TransUnion urgently investigate this matter and ensure compliance with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with TransUnion and XXXX XXXX XXXX . I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I was unaware of our debt to XXXX via IC systems, as my payments were supposed to be auto deducted, and I never received anything in the mail saying i owed them anything, or that it was being sent to collection. They repeatedly called my cell number, but no one would be on the other end when I answered ( only found out it was banfield by looking it up ), then they stopped calling. I have recently learned they have been calling my parents ' home- sometimes asking for me, other times just silent. My husband called IC systems requesting they stop calling my parents ' number and call his, but they have not done either. I have been at my parents home when they call ( everyday ), and when i pick up the phone to ask why they are still calling this number, no one responds. My husband gave them his number of XXXX, but they have not once called. Please have them stop calling my parents!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASION TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Complaint Regarding Inaccurate Credit Reporting Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that remains on my credit report despite my prior attempts to correct it. My situation closely mirrors the issues raised in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, which highlighted the companys failure to properly address consumer disputes and correct inaccurate credit information. 
The specific inaccurate information on my credit report is as follows : Addresses : XXXX XXXX XXXX XXXX, MD XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Account : XXXXXXXX XXXX XXXXXXXX, Payment history, Responsibility Account : XXXX XXXX XXXX, XXXX, Payment history , Responsibility Account : XXXX, XXXX, Payment history, Responsibility Account : XXXX XXXX XXXX, XXXX, Payment history , Responsibility. 
Account : XXXX XXXX XXXX, Payment history, Responsibility. 
Closed account listed on my credit report for longer than 7years. 
I previously submitted a dispute regarding these errors on XX/XX/XXXX, yet the information remains unchanged. This failure to investigate and correct my report violates my rights under the Fair Credit Reporting Act ( FCRA ) and aligns with the allegations in the CFPB lawsuit, where Experian was accused of mishandling consumer disputes and failing to provide proper updates. 
I am requesting that you : 1. Conduct a thorough reinvestigation of my dispute.

2. Correct or remove the inaccurate information from my credit file.

3. Provide me with an updated credit report reflecting these corrections.

4. Explain in writing your findings and actions regarding my dispute. 
If Experian does not comply with its legal obligations, I will have no choice but to escalate this matter to the CFPB, the Federal Trade Commission ( FTC ), and possibly take legal action for noncompliance with federal credit reporting laws. 
Please resolve this matter promptly, as inaccurate credit reporting has serious consequences for my financial well-being. I expect a response within the legally required XXXXday period. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a bankruptcy filing has been inaccurately reported, by Experian and XXXX despite the fact that I never completed the process. 
In XX/XX/year> I initiated the process of filing for bankruptcy in the state of Florida with the intent to follow through, but circumstances changed, and I did not proceed with the final steps required to execute the bankruptcy. Few weeks after, I asked the court to have it dismissed on. 
The court stopped all proceedings in the bankruptcy case AND in all adversary proceedings, and a discharge order was not entered. Therefore, the report of a bankruptcy is incorrect and misleading. 
I understand the importance of accurate credit reporting and its impact on my financial well-being. Every time I apply for credit and denied, can not purchase a home and/or any other financial services for that matter.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and I noticed the following hard inquires on my report and I did not authorize any of these. I listed them below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

My girl friend and I purchased a used XXXX XXXX and financed it with Ally finance. They have report us more than 30 days past due 3 separate times incorrectly. I found this on my credit report while trying to obtain a home loan. My loan officer and myself along with an employee from XXXX XXXX  called Ally to question the late payments. My due date on the loan is the XX/XX/XXXX of every month. In XX/XX/XXXX they reported me 30 days late when the check was presented to my bank on the XX/XX/XXXX and was cashed. In XX/XX/XXXX, they again reported me 30 days late. This check was written on the XX/XX/XXXX and presented to my bank on the XX/XX/XXXX and posted on the XX/XX/XXXX. The 3rd offense was XX/XX/XXXX I had missed the payment for XX/XX/XXXX and made a double payment in XX/XX/XXXX after I had received a nasty gram from ally reminding me that they did not receive XX/XX/XXXX 's payment. I am asking that these two 30 days late marks on my credit report be removed as I believe it is illegal to report incorrect information. This is adversely affecting my credit report and lowering my FICO score. I am also asking that as a courtesy, ally also remove the 30 day late payment in XX/XX/XXXX, as they appear to have issues with there book keeping. They claim I bounced a check to them, however, I find no bounced checked fee listed in my account during that time frame.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report account and notice a account that i do not recognize. that account is OHIO DEPT OF HUMAN SERVICE, date XX/XX/2015.
Product: Credit reporting or other personal consumer reports

unauthorized inquires on my report! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I reviewed my credit report XX/XX/2024 and found unusual activity on my report. To my finding there were hard inquires. On XX/XX/2024 I contacted XXXX and spoke to an agent by the name of XXXX who told me that he could not support with removing the falsified inquires. That same day an FTC report was made for fraud, see attached file.
Product: Debt collection

This company has continued to call after being told to contact by mail only. They have contacted my spouse who is not on the credit card and shared information with them regarding the amount of money owed and the last 4  of the credit card number. When I called them today to ask about them doing this they became very aggressive and threatening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19.
Product: Credit card or prepaid card

I cant view statements or make payments on my account because they have blocked my access to the website I have contacted them on several occasions no one seems to know why my access is blocked I have taking the steps provided but I'm still blocked from entering the website to view statements or make payments. 
The only way i know any info about the account was through a consumer reporting agency which is reporting a very high balance than what i last known it to be the last time i was able to access my account online.
Product: Debt collection

portfolio Recovery Associates is attempting to collect a debt in which they are not licensed to do so in my state. The account which is in question is XXXX. This account is also be re-aged and is falsely being reported on all XXXX of my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to the credit company for the numerous amounts of unauthorized inquiries on my credit report that impacting my score and chances of acquiring credit. They have been giving me the run around for months about this situation. I sent the letter through certified mail to ensure the safety and timeliness of the letter getting to the credit company. The letters were mailed out on  XXXX   XXXX ,  2017  and I have not received any forms of communication about this situation. I need this deleted off my reports as soon as possible.   Thank you.
Product: Debt collection

The firm Pressler & Pressler is harassing me treatened they are keep sending letters from a debt collecting agency they never rest knowing that they put false default judge against myself in the court which they probably file online, they is money randomly from people who work hard to pay their bills, I already prove them that the false statement of the debt is not mine they took {$450.00} from a bank account I had with XXXX XXXX the motor vehicle send me a letter that I can not do noting with my car, I have my mother sick also I got to helper.
Product: Credit reporting or other personal consumer reports

Five rounds of letters sent to the company and bureaus to verify all the inaccuracies on my account. Have never received verification from the company.
Product: Credit reporting or other personal consumer reports

Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) One Main Financial ( {$2400.00} Charge-off ) has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have repeatedly informed this company that information was compromised due to XXXX XXXX XXXX. This is not a credit transaction initiated by me. Additionally, I will be filing Federal complaints against One Main Financial for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. One Main Financial failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. 
This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested for One Main Financial to provide verifiable proof of this debt and clarification of how the alleged charge-off was verified, I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given One Main Financial a fair opportunity to clear this up, however I am still being harassed.
Product: Credit card

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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.