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

Hi experian has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX experian has me at a score around XXXX. That is a huge difference. experian paints me as a Bum. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Payday loan, title loan, personal loan, or advance loan

I received a call from Global Process Service ( GP Services ), XXXX, alleging I took a loan out from a pay day company in 2014, which is impossible. I asked for further information from the representative, XXXX, and she would not give their address and only said its website is globalpsvs.com. When trying the web address it does not reach the alleged website. I advised XXXX that I had no loan in 2014 and therefore there is no expectation of payment, and I would be reporting the company to the CFBP since they would provide no address, and they are harassing. I did try to call back later to get an address and was once again denied the same when clearly I needed it to report to the CFPB. My fear is that they prey on seniors, and other individuals, that may not know it is a grift.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - Account Number:3**** XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX
Product: Credit reporting or other personal consumer reports

Date of inquiry:XX/XX/2024 Delete!! 


Unathorized inquiry XXXX Date of inquiry:XX/XX/24 Delete!! 


Unathorized inquiry. 
XXXX XXXX XXXX Date of inquiryXXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of inquiry:XX/XX/2024 Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of inquiry:XX/XX/2024 Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of inquiry:XX/XX/2024Delete!! 


Unathorized inquiry XXXX XXXX Date of inquiry:XX/XX/2024 Delete!! 


Unathorized inquiry XXXX XXXX Date of inquiry:XX/XX/2024 Delete!! 


Unathorized inquiry XXXX XXXX XXXX  Date of inquiry:XX/XX/22024 Delete!! 


Unathorized inquiry XXXX Date of inquiry:XX/XX/2024 Delete!! 




i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT FOE YEARS SOMONE HAS BEEN USING MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXXand XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting

negative information on my credit report does not belong to me and has negatively affected my credit score. Also, XXXX XXXX XXXX, account # XXXX, has falsely named me as owning a debt. I have contacted both Equifax and XXXX XXXX XXXX multiple times and neither can confirm the false information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, LA XXXX XXXX XX/XX/year> Portfolio Recovery LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Portfolio Recovery Associates LLC , I am writing to dispute the validity of a debt that you claim I owe. Specifically, I am disputing the following account : Account Number : XXXX Original Creditor : XXXX Alleged Amount Owed : {$1200.00} Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you cease all collection activities on this account until you provide me with written verification of the debt. 



This verification must include the following information : A copy of the original agreement A detailed statement showing the principal amount, interest rate, fees, payments made, and the current balance of the debt. 
The name of the original creditor The amount of the debt ; The date the debt was incurred ; and A statement of my rights under the FDCPA. 
I have no knowledge of this account. If you are unable to provide this information within 30 days of the date of this letter, I will consider the debt to be invalid and will take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days and when it came back nothing was changed when clearly there are misleading, incorrect, inaccurate information on my credit report ... attached is my credit report from XXXXXXXX XXXX that clearly violates my rights!!! THE EVIDENCE IS IN BLACK AND WHITE... NOONE CAN DENY THE EVIDENCE XXXX XXXX XXXX  XXXXXXXX!!
Product: Student loan

I received a bill that stated that my forbearance ends XX/XX/XXXX and I would need to begin making payments beginning XX/XX/XXXX. First payment amount was {$82.00}. 
I had scheduled " bill pay '' of {$140.00} ( I had planned to pay more than what was due - {$82.00} ) with my bank. 
I realized that my bill pay would not happen BEFORE XX/XX/XXXX, so I cancelled the bill pay and contacted both XXXX notifying them and then I also contacted XXXX State University. 
I made the XXXX payment XXXX {$82.00} ) on XX/XX/XXXX using the XXXX payment system. I paid a ~ {$4.00} fee to do so. I did not pay the {$140.00} that I had planned because the fee attached was based on the amount of the payment so to keep the fee low, I only paid what was due. 
My next payment of {$40.00} was due on XX/XX/XXXX. I made that payment via my bank 's bill pay system. That check was cashed on XX/XX/2018. 
My next payment of {$40.00} was due on XX/XX/XXXX. I made that payment via my bank 's bill pay system. That check was cashed on XX/XX/2018. 

I have been in repayment status since XX/XX/2018 ( 3 months ).  Since I have made payments for all amounts due, when they were due and in the amount due, how is it that I have {$140.00} past due? They claimed I was three months behind in payments when I made all of the payments ( see below )? That does not add up. 
Please see the table below that shows a breakdown of payments due and payments made. The amount due ( {$160.00} ) is equal to the amount paid ( {$160.00} ) It appears that they sent me a past due bill for the {$140.00} payment that I cancelled. That was NOT an invoiced amount. The invoiced amount was {$82.00} and that was paid, in full, on XX/XX/XXXX. 

Due Date Amount Due Amount Paid Paid date Check # check cashed date XX/XX/2018 {$82.00} {$82.00} XX/XX/2018 N/A N/A used XXXX system XX/XX/2018 {$40.00} {$40.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 {$40.00} {$40.00} XX/XX/2018 XXXX/XXXX/4625 XX/XX/2018 TOTAL {$160.00} {$160.00} XXXX corrected my payment records and account, but they reported to the credit bureaus that I was 60 days past due, even though I wasn't. 
I contacted heartland XXXX  and XXXX State University twice via email to see if they have corrected my credit reports. I have not received a response from either XXXX or XXXX State University.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX The name listed above should be the only name listed on my report. Please remove the following name on the report and numbers : XXXX, XXXX, XXXX XXXX , Any phone  numbers on my report shown should be deleted if its not the following number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act XXXX account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. Ive sent many certified letters to the original creditor company mentioned above and the credit bureaus and they failed to provide me the copy or any such proof of their investigation results about my complaint. The XXXX and EQUIFAX Credit bureaus only sent me a letter stating that the account was verified with no attached documents or evidence from the original creditor reffering to this investigation. This XXXX XXXX XXXX is a closed account. It was paid in full and all the payments were on time. In stead of correcting it in my personal credit profile they keep reporting it with a bad remark as delinquent. I personally sent proof letter to the credit bureaus with all the information that they requested me to provide. But i personally believe that no one take the proper care for a good solution. Even do it is a closed account still affecting me the ability to moving foward with my life. I have been discriminated or im been ignore from my complaints. Because once i submit the complaint to the CFBP to verify the information they automatically delete the information to comply with the complaint. But as soon as you closed the investigation it automatically appears back to my credit report. Please take a deep look into my personal credit report to see what im stating here is the completly thruth.
Product: Debt collection

The call is not for me. Somehow they got my direct line at work. They confirmed that the call is not for me and I was told that the number would be removed from the profile. However, their robocaller calls on a daily basis and leaves messages. However, I never witness the phone ring. I work from XXXX to XXXX which means the most be calling before XXXX or after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank violated 15usc6802 also known as the Gramm-Leach-Bliley Act, they never sent me the required disclosures, of which would've given me the ability to opt out of having my non public personal information furnished to third parties.
Product: Debt collection

Debt Recovery Solutions reported to the 3 credit bureaus derogatorily and negatively that I owe a debt of {$660.00} on XX/XX/2018 that was opened XX/XX/2018. I have did not receive any communication ( oral or written ) from them. Acct # XXXX. Please have them remove this information from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CDIA requirements!
Product: Credit reporting or other personal consumer reports

I have repeatedly requested them to supply all the information they had that links them to this specific debt and they have refused.
Product: Student loan

I went to XXXX XXXX XXXX from XXXX XXXX XX/XX/XXXX, I ended up dropping out due to the need to work more hours at my job, so that I could afford to live, and pay rent at my apartment.Upon the time I was enrolled, I was told that via scholarships and federal aid, my tuition would be 100 % covered. Within one week, that figure changed, and I was told I needed to take out a federal student loan to cover the overage. I was excited about school, so I went ahead and took out the loan with my mother as the co-signer. I have had a hard time ever since, from paying on my loans, to just trying to get back into school. I have tried to contact the school location I went to, in XXXX, Tx, several times to get my loan documents, any paperwork that I signed, as well as my transcripts to no avail. Now that I have received information that the school has closed down, I 'm looking to file for " Borrower Defense to Repayment ''. If there is anyway you can help me with this issue, please do, as I 'm confused as to what I can do next. I can no longer reach the school via phone or email, and have moved over XXXX miles away to help care for my parents.
Product: Money transfer, virtual currency, or money service

I have opened an account with XXXX to transfer money from my checking account in XXXX to my savings account in XXXX. Both accounts are solely owned by me. They allowed to complete my XXXX transfer, after that they have restricted my account. When I reached out to them, they closed my account without giving any reason. I feel very insulted on how they treated me. As a law abiding individual, I never violated anything. I feel very humiliated on how they treat me. Without asking for any verification, restricting or closing accounts is very unfair. I request them to accept their mistake and reinstate my account. 

I received a response from XXXX on XX/XX/year> without giving any information on why account was closed. I say again that I would like to understand what regulations were voilated in traferring from my own account in XXXX to my own account in XXXX. They are unfairly closing out the accounts based on some race or other kind of discrimination. Below is the response from XXXX on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent them a paid in full for delete letter for XXXX XXXX XXXX, they deleted it and then reinstated it dropping my score 40 points.
Product: Mortgage

Contacted Wells Fargo to recast loan on morning of XX/XX/XXXX. 

Was told that loan qualified for recast. Was told someone would call me back in " 24 hours '' No call back on afternoon of 1st day ( XX/XX/XXXX ) or morning of second day ( XX/XX/XXXX ). Called back on afternoon of XX/XX/XXXX and asked to speak to supervisor. Supervisor offered no explanation why Wells Fargo did not return call. Told I would get call back in another " 24 hours '', extending original window from " 24 hours '' to " 48 hours. '' No call back by afternoon of XX/XX/XXXX - more than 48 hours total elapsed. 

If loan qualifies, recast process should start immediately. I have n't even been told how we start process and it 's been over 48 hours.
Product: Consumer Loan

Company said they did n't recrive a payment for my car they 're fianacing but i have sent them copies of the receipt showing that i submitted the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

As shown on my credit report it shows 30 days late in XX/XX/XXXX and XX/XX/XXXX but I paid on time as shown by my XXXX  report please correct this inaccuracies as paid on time
Product: Credit card

Consumer Finance Protection Bureau XXXX XXXX, XXXX Please file this formal complaint against : First National Bank of Omaha XXXX, XXXX XXXX Consumer Finance Protection Bureau Specialists, Please consider this a formal complaint against First National Bank of Omaha ( FNBO ) XXXX Credit Card Program. 

I have attached screen prints of my online account ( XXXX ending in XXXX ) to support this complaint. 

In XXXX XXXX, FNBO stated my minimum payment due on XXXX XXXX, XXXX, was {$320.00}. Since I was going to be traveling, I submitted the XXXX payment early. I made XXXX payments of {$160.00}. XXXX on XXXX XXXX, and and the other, on XXXX XXXX, to keep my account current. FNBO accepted the payments, and showed my account not only as current, but with XXXX amount due for XXXX XXXX, XXXX. ( Please refer to attached FNBO account documents ) On XXXX XXXX, XXXX, I reviewed my account online, and was surprised to discover FNBO showed my account in arrears, and delinquent for XXXX XXXX. A warning banner appeared for my account, along with a late fee, and a {$410.00} mininum payment due XXXX XXXX, XXXX. FNBO also severely damaged my credit profile by reporting my account as delinquent to the major credit bureaus. I submitted the {$410.00} payment on exactly XXXX XXXX, and my account is current. 

It appears FNBO 's payment processors will not credit any minimum acceptable payments made in advance of the due date. These early payments are posted as made, but not credited towards the future payment due date. 


Until FNBO resolves this erroneous payment processing, I am not submitting anymore early payments. This also had occurred previously in the month of XXXX XXXX, but I was unable to download my account information because FNBO listed my prior payments as " unavailable. '' I am requesting for FNBO to immediately remove their delinquency listing from my consumer credit report and, to refund my XXXX XXXX, XXXX payment of {$410.00}, Hopefully this letter and my attached documents will assist other consumers who are also having their payments not properly posted. 

Please give this matter your most direct and expeditious attention.
Product: Student loan

My federal student loans are currently in in-school deferment. Some of them are in deferment until XXXX of XXXX, others through XXXX XXXX. Yet for years now I have been receiving inaccurate and misleading information from Navient that I have payments due each month. Everytime I log into Navient 's website, it shows a payment due date for the coming month. I also receive misleading and inaccurate information in emails from Navient saying I have a payment due next month. However, whenever I call the customer service hotline at Navient I am assured that my loans are in deferment, there are no monthly payments due, and that I should " rest assured. '' It is difficult for me to discern which information on their website is accurate and which is inaccurate. I have also tried to be proactive to prevent missing any payments or making any late payments. I have requested, multiple times, to set up autopay and link my current bank account so that in the event that a payment is due ( either in error, or because I was simply too confused by the inaccurate and misleading information on their website to understand that this time it really is due ) an autopay would take place. However, Navient continues to tell me that since my loans are still in an in-school deferment I can not set up an autopay. I have to wait until my loans come out of deferment until I can set up autopay. But everytime I log into the Navient website, it looks as if I am in danger of missing the payment due next month. The whole system seems intentionally designed to deliberately trick students into missing a payment and being hit with late fees and interest rate hikes. This causes me extraordinary stress as I never know if I am about to miss a payment or not. For example, according to their website and the emails that they sent me I had a payment due yesterday, XXXX XXXX, XXXX. I could n't call their customer service due to the holiday weekend, so I did n't sleep last night worried I was missing a payment. When I call them this morning they told me essentially to ignore the information I was receiving via email and on their website. But someday ignoring that information could result in a missed payment. When should I ignore the information and when should I heed that information? It is extremely distressing and confusing.