23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We own a restaurant in XXXX and during XXXXovid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the the president, the late fees were not to be assessed during Covid and the the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being effected from the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ) has reported to the credit bureaus that my account is 30 days past due when it is not, nor has it ever been delinquent. I called the customer service number on my latest statement to speak with an agent who confirmed that my account was current. He could not figure it out and sought the help of a supervisor who could not figure out why I was reported delinquent to the bureaus either. 
I have attached the previous three months XXXX credit card statements for year 2017 : XXXX, XXXX, XXXX ; you will see that NONE indicate any past due amounts or fees. Additionally, I have attached the previous three bank statements showing the CFNA payment debits.
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or initiate these accounts,
Product: Credit reporting or other personal consumer reports

I'm experiencing XXXX XXXX, and XXXX concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

A USPS certified receipt mail letter was sent to TransUnion and delivered on Monday, XX/XX/2019 requesting validation of debt from a company called XXXX XXXX. In my request for validation, I reminded TransUnion that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested  records which prove/show that the debt is indeed mine that were given to Experian to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt. 

Instead, on XX/XX/2019, the company sent me their investigation results to my dispute stated the information was investigated and that the debt was " verified '' as accurate ( with no paperwork ). TransUnion is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of all of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Product: Debt collection

The debt was created in XXXX it has gone through several creditors. Payments were made to one but it was sold again and there is no record of that Also, it is showing on my account as a recent account a XXXX account when that isn't correct. I've asked it be removed I've disputed it through XXXX  and nothing works. They aren't recording payments properly and the debt is being treated like its new when it should have been removed from my card. This claim is also for a phone that was lost and then the company refused to replace it despite insurance. They continued to charge service fees while I had no phone. I disputed the charges and canceled my service. This needs to be removed from my account
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly that this account has a balance {$22000.00}. Equifax reports incorrectly that this is an XXXX account. Equifax reports incorrectly this account 's Date of First Delinquency. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting that I filed a bankruptcy on XX/XX/XXXX for {$0.00}. I sent a dispute letter directly to Transunion that I had not filed a bankruptcy for {$0.00} and the information they are reporting is wrong. I also sent a letter directly to the bankruptcy clerk to ask if they verify any information with the credit bureaus. The bankruptcy clerk stated they do not verify any information with credit bureaus. After TransUnion investigated, they stated the information was reporting correctly and would remain on my credit report until XX/XX/XXXX. I would have no need to file a bankruptcy for {$0.00} that makes absolutely no sense. TransUnion also would not provide the name of the company that they verified my bankruptcy with so I have the opportunity to dispute directly with that company. This is a direct violation of the FCRA and these credit bureaus are allowed to continue these illegal practices and tactics.
Product: Vehicle loan or lease

My car was stolen in XXXX and recovered in XXXX. It was a total loss. XX/XX/year> a payment of {$540.00} was made in addition to the monthly payment to Hyundai Motor Finance as a refund of auxiliary products. As such, the forward balance was applied, I continued to pay XXXX and XXXX, however in XXXX the statement showed no payment due until XXXXXXXX XXXX XXXX so I decided to wait for that payment date. I have multiple dated monthly statement emails from Hyundai showing that a {$0.00} balance was due and next payment was XX/XX/XXXX. When I went to make my payment on XX/XX/XXXX ( car had been marked a total loss by then, and insurance had made their payout in XXXX but GAP insurance claim was still pending ) I was unable to access my account and instructed to call, at which point I was informed my account would be getting sent to collections if I did not pay off the balance ( XXXX ) left on the loan since it had been marked total loss. 

I explained that a large payment had been made in XXXX and XXXX and that the website and statements and emails had all consistently shown nothing due until XX/XX/XXXX, which she had no explanation for. I continued to explain that a GAP insurance claim was still pending, and that I wanted to make my regular payment while that was processing - they would not allow me. I confirmed multiple times that if I paid off the loan, GAP insurance would still be able to go through with their claim and was assured that GAP would send the payment to them, they would send it back stating the leinholder paid the car off, and GAP would then send the payment to me. I also confirmed that my account would not be reported to collections in any way. My options were pay or be reported to collections, so I paid it. GAP was cancelled once the loan was paid off and subsequently the claim was unable to be completed. 

On XX/XX/XXXXXXXX XXXX XXXX XXXX  my Hyundai account was reported as paid in full. On XX/XX/XXXXXXXX XXXX XXXX XXXX Hyundai reported my account as XXXX overdue to credit agencies causing my credit score to drop over XXXX points, despite me having a payoff statement showing that all payments were made on time, and that the extra payment made in XXXX was applied to forward payments. 

I have perfect credit history, and need this to be corrected. Attached you will find the payment history from the account provided from Hyundai Motor Finances website, as well as various screenshots to back these claims. In addition you will find a payoff letter, where Hyundai states the account was paid off in XXXX despite the payment history showing that XXXX transaction to be a credit. I also request a corrected payoff letter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal and urgent demand regarding the unauthorized, inaccurate, and illegally obtained information on my credit report related to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 

It has come to my attention that XXXX XXXX XXXX XXXX XXXX has paid for access to my personal information, which constitutes a gross and unacceptable violation of my privacy rights. This practice is not only illegal but also unethical. Without my consent or a legally binding agreement, any use of my personal data is a blatant breach of privacy and federal law. 

Who authorized this? Who are you to allow such blatant misconduct? I have no contractual relationship with XXXX XXXX XXXX XXXX XXXX, and they can not provide any legitimate documentation to prove otherwise. How can you verify something that has no legal basis? Your continued reporting of this inaccurate and illegally obtained information is reckless, harmful, and completely unjustifiable. 

I know you can care less about this because it isnt happening to you, but your inaction is actively obstructing my ability to purchase a home and jeopardizing my financial stability. Your actionsor lack thereofare not only negligent but dangerous. 

Let me be perfectly clear : You and XXXX XXXX XXXX XXXX XXXX are complicit in violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This will not be ignored. 

I demand the following actions be taken immediately : XXXX. Complete removal of all entries related to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from my credit report. 
2. A formal investigation into how my personal information was accessed, sold, and used without my consent. Provide written documentation of your findings.

3. Written confirmation of compliance with these demands within 24 hours of receiving this notice.

Failure to comply will leave me with no choice but to take further legal action. I will work with my attorney to pursue all available remedies, including but not limited to financial damages and penalties for your violations of federal law. I will also ensure this misconduct is exposed publicly.

This is your final warning. You now have 24 hours to act and provide proof of resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received information indicating that my identity has been stolen. I filed a report with the FTC and contacted both XXXX and XXXX to review my credit reports and set a lock and a freeze respectively. 

I tried tocontact Equifax to review my credit report and then place a lock or freeze. I tried to use Equifax website and was locked out. I called and was disconnected with no option to talk to a human. 

Equifax apparently has errors in my credit report because I cant get the answers to the security questions right PRESUMABLY BECAUSE OF ERRORS ON MY REPORT THAT I CAN NOT ACCESS TO REVIEWa report I am legally entitled to review. 

Since Equifax won't give me access to a human, i can not resolve this issue.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering XXXX XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects.
Product: Debt collection

I sent a debt validation letter on XX/XX/2022 they received the debt validation letter XXXX XXXX 2022 he took them well over 30 days to reply They had replied XX/XX/2022 with a letter informing me that they have sent out a deletion request to the credit reporting agencies on the accounts listed below XXXX, XXXX, XXXX, XXXX, XXXX I waited for the account to delete from the Credit reporting agencies it hasnt now I received a letter XX/XX/2022 verify my date with very very personal information that I did not Approve of Violating my hippa rights and quite frankly its embarrassing I didnt want nobody to know where I got seen for but the hospital and I
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX REPORT THE LATE ON MY ACCOUNT WHICH NEVER BEEN LATE
Product: Credit card or prepaid card

Synchrony Bank monitors TJ Maxx card. I have had this account for years and I do not use the card if you can see the minimum payment is {$30.00} and I have been paying {$60.00} all the time and my balance is NOT going down any!! They lowered my credit limit, it was much higher when I opened the account over 7 yrs ago, It should not take that long to pay off an account. Synchrony cheaps people and they need to be exploited for their poor practices to American people {$790.00} * Current Balance VIEW ACTIVITY {$360.00} * Available to Spend {$1100.00} Limit REQUEST MORE Paperless Statements- ON Text and Email Alerts- ON Additional Authorized Users - 0 PAYMENTS {$30.00} Minimum Payment Due VIEW PAYMENTS 13 days Monthly Due Date XXXX Account ending in XXXX Minimum Payment Due {$30.00} 13 days Monthly Due Date XX/XX/2023 remind me Last payment XX/XX/2023 {$60.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, XXXX has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX  XXXX {$3900.00} XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX  XXXX  XXXX {$820.00} XXXX  XXXX {$6000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Debt collection

Ability Recovery Services re-aged the date of delinquency to XX/XX/XXXX, when the actual date of delinquency was between XXXX. The amount of the re-aged debt shows an amount owed of {$5600.00}. Attempts were made to request documentation for said debt to show the date of delinquency in XXXX of XXXX and in XXXX of XXXX. With a dispute also being filed in XXXX of XXXX, which I am still waiting on notification of outcome. The agency has avoided and evaded all attempts to provide any documentation. The illegal actions committed by said agency have impacted my ability to obtain federal employment.
Product: Checking or savings account

On Monday XX/XX/2020 I deposited a check from XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 the check cleared. On XX/XX/2020 Suntrust bank closed my primary account that I deposit my pay check and pay my bills and they also closed the account that I deposited the insurance check in without warning. I am confused as why this would happen and no one call to say this was going to happen. I called the bank several times and no can tell me why accounts were closed and when I will get my money back.
Product: Credit card or prepaid card

I had several credit cards that were through XXXX XXXX. I had been in good standing with these cards, paying every month over the balance due and even paid off all my cards. The problem : I got married in XX/XX/XXXX and my last name changed to XXXX. It does not seem to be a coincidence to me that as soon as my name changed this company closed all credit cards that I had through their bank. I did submit an earlier claim about my student loan company ruining my credit, but that had been fixed in XXXX. I have been working hard to rebuild my credit, but now since XXXX XXXX closed 3 of my accounts, it has further harmed my credit. I don't get it-I paid on time, over the amount and then paid off my cards and they cancel me??? I truly feel that I am being discriminated against since I had a name change. Although their letter states high balances ( my student loans-which last I checked a good portion of Americans have high student loan debt ), late payments ( because my student loan company posting 8 or so different entries ). I just don't think I have been treated fairly.
Product: Credit reporting or other personal consumer reports

Under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e Experian, XXXX, and XXXX, XXXX allowed by law. In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. As a diligent consumer, I am concerned about the privacy and security of my personal information. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in the Equifax 2017 Data breach. I am appalled that so much data was released into the public. It is disgusting that the company delayed notifying the public about this issue so that it 's high ranking executives could sell their stock before it crashed from their mistake. How is this legal? They are also trying to get people to sign up for their " free '' credit monitoring service so that they can have people sign away their right to sue the company. Completely Disgusting.
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

On XXXX XXXX I submitted a complaint regarding an incorrect late report on my credit bureau report for a XXXX 2016 payment from Hyundai Finance. They have fixed that issue but now I have the same issue for my XXXX 2016 payment on a vehicle I traded off in XXXX when I leased another car from Hyundai. Please help me get some closure and compensation for this hassle.
Product: Debt collection

I started receiving automated text and calls, then I received a letter dated XX/XX/XXXX, that state they are attempting to collect a debt that I owed to XXXX XXXX that has been sold to XXXX XXXX XXXX for {$2200.00} as of XX/XX/XXXX. I contacted XXXX who stated they have no accounts for me, only a XXXX balance from XXXX. XXXX stated they only use XXXX XXXX XXXX XXXX for collections and the letter I received XXXX be a scam. The acct numbers they reference is XXXX acct XXXX and original credit ref # XXXX with date of service XX/XX/XXXX. I have never received any correspondence from XXXX regarding any medical debt, my calendar doesn't show any services received that date and I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Student loan

I have been dealing with Navient since they took over from Sallie Mae. At one point when we were struggling financially after my husband lost his job, I asked for help and Navient never let me know of any income based repayment plans, I was only steered towards forbearance and, during this time of forbearance, they charged two late fees even though I wasnt supposed to be making payments. When I would ask about the Public Service Loan Forgiveness program, I was misguided and even just recently I asked about this and was told I could just try for Economic Hardship. I have now completed an application for Direct Loan Consolidation after learning that my loans never actually qualified for the PSLF, after all this time, and I have spent YEARS working in a qualified public service job. Needless to say, since Navient took over from Sallie Mae, this has been a nightmare and Ive been paying on my loans FOR YEARS and I owe more on them now then I did years ago. To top it all off, now Ive learned that a settlement has been reached with Navient however only 39 states will be involved in this, despite the remainder of us in the other states who have been taken advantage of all this time!