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

XXXX shows a credit score of XXXX Equifax shows a credit score of XXXX There is no way to dispute the score from Equifax. I have logged on to their site and it will not explain why the score was dropped. There is a big difference between the two scores and I would like this resolved. My credit score has historically been really good and I want to keep it that way, so the drop in score will help me who runs a small business. 

Any help will be appreciated.
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 Experian 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by 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 Delay Due to a Bank Transfer Error : My payment for XX/XX/XXXX was initiated on time. However, a processing error on my bank 's end delayed the transfer by 24 hours. I provided bank statements and transfer confirmation showing the exact date the payment was initiated and the error acknowledged by my bank. 
System Outage on Payment Portal : During the period in question, XXXX experienced an outage on their online payment portal, which prevented me from making a timely payment through the usual online process. I contacted customer service immediately after the issue and have attached screenshots of my conversation with their support team confirming the technical outage. 
Incorrect Late Payment Assignment : The late payment was incorrectly applied to my account even though my payment history shows that I have consistently made on-time payments. There was no valid reason for the assignment of a late fee or the reporting of this late payment, and I have attached payment receipts that show consistent payments for the past two years.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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 XXXX
Product: Student loan

I received a response/action from Mohela on XX/XX/XXXX stating that my portion of my joint spousal loan had been forgiven. They also stated that they took the overages from my portion of my student loan and applied them to my ex-husbands balance. 

I was told by XXXX in XXXX on a couple occasions that overages from one portion of a forgiven spousal loan would indeed be refunded or returned to the original payors account, unless I chose to apply them to the other portion. 

While I am thankful that Mohela finally carried through with forgiving my portion of loans that XXXX failed to process. I am not pleased that my overages went to my ex-husbands portion. 

Any payments paid in XXXX were paid by my employer to the student loan company for my benefit. 

While Mohela may cite that I am responsible for the other portion of the loan, there was a law that was signed by XXXX XXXX, XX/XX/XXXX, that is to separate joint spousal consolidation loans. My intent is to separate these loans once the DoE implements this law. 

I am a victim of abuse, which can be proven. My former spouse has not made any payments on these loans. He has used these loans to continue to abuse me and I do not fond it fair that any refunds would find their way to him. The law that was passed is designed to protect me and people like me. 

I would like to know how much of an overage was applied to my ex-husbands portion. 

I would like to know when the DoE implements the law that will indeed separate these spousal loans what will happen with my overages. 

Also, when the IDR waiver is applied this year which could forgive my ex-husbands portion, what will happen with the overages? His loans went into repayment in XXXX.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. 
XXXX XXXX, XXXX, XXXX, EXPERIAN, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding these 2 accounts. The continued inaccurate reporting of these 2 accounts shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a 1099-c from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 

These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. 
These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need
Product: Debt collection

NO NO I DONT KNOW WHY THESE PEOPLE BE CALLING ME. I WORK TO MUCH FOR THIS TO BE MINE. I SENT A LETTER STATING THAT THEY NEED TO STOP HARASSING ME AND STOP REPORTING LIES ON MY CREDIT.
Product: Debt collection

I was contacted by the Resident adovacate-debt collector for a move out late notice charges of around XXXX dollars. I disputed the charges but they came back to me in XXXX days that I need to pay the money. I asked for evidence of late notice showing that I provided move out notice on XX/XX/27 but they are not providing XXXX. They repeatedly saying that they provided validated of charges but it doesn't have any late notice included. I emailed the debt collector multiple times not to contact me without the evidence of late notice but they keep on sending the emails. I sent XXXX 's of emails not to contact me without proof of late notice but they are sending emails every other day. 

XXXX : The debt collector contacted me within the same day of receving the notice from the apartment company. I find it too soon for the debt collector to reach out
Product: Credit card

My husband lost his job in XX/XX/XXXX leaving my income as the only source for paying bills. It has become hard juggling rent, food, creditors and other debts. We contacted Barclay with our situation. With each month we are charged a late fee and over the limit fee. Each time we are told we must pay the minimum passed due amount, which has been difficult on our limited income. With fees mounting our monthly due is skyrocketing and growing out of control. We feel like even when he finds employment we will never be able to catch up and our credit will be ruined.
Product: Credit reporting or other personal consumer reports

I did not authorize any inquiries on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a current XXXX student at XXXX University. All three credit reporting agencies are reporting my student loans as past due. They do not become due until 6 months after graduation in 2020. 
There is also an XXXX report in error. All payments show on time except the last one because the car was traded in at XXXX XXXX in XXXX, Texas. They did not pay off the loan for a clear title for 60 days.
Product: Credit reporting or other personal consumer reports

Remove this account listed below in accordance with FCRA 1681b ( a ) ( 2 ). 

Please remove this account. 

XXXX XXXX. 
Additionally, Title 15 U.S.C. 1681 Section 602 States I have a right to privacy.

Title 15 U.S.C. States a credit reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I got the loan from the finance company to purchase my new vechile on XX/XX/2019, well on XX/XX/2019, My vechile was impounded for 30 days for driving without a driver 's license.So 2 weeks into the impoundednent I called the finance company and asked them if they could put the impounded fees on the back of my contact, so that I can be prepared and get my finances in order for my bills for the month.well the finance company said that they wouldputthe impounded fees at the end of my contract, so I made used the money for other plans I had.on the day of the pick up day for the car, the finance company said that I had to come up with all the impounded fees which is XXXX, I told them there's no way I have that type of money, that's why I called you 2 weeks ago and ask you if you could put the impound fees on the back of my contact, so I can gather up the money and you said yes.and now they said that I can't receive the car in till I pay the fee of impound.i have not been irresponsible I have never been late on my payments.im upset cause they told me yes then on the day to pick up my car they said no they want the payment of the impound fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

After months of trying to rectify the problem with XXXX XXXX regarding an authorized charges and their egg Noreen my request and explanation of what was going on as a victim of identity theft. After submitting two separate FTC reports regarding the matter not only for the credit card itself but where the payment was coming from for that credit card I was told by XXXX  XXXX that I could not dispute the charges even though I already had and they somehow went ignored but rather that the card was now closed and I am forced to pay whether they are an authorized or not. They did not care about the CFPB report from you guys or the FTC report when I called as recent as last evening.
Product: Credit card or prepaid card

I was enrolled in Citi 's card autopay system. For some reason, last month they did not deduct my payment and now they are trying to charge me for their mistake. Clearly an error dropped me from their system. Upon contacting them, they were very rude and threatening. Further, they are trying to extort me by refusing customer service until I pay their ransom.
Product: Credit reporting or other personal consumer reports

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Student loan

I attend a school by the name of XXXX XXXX XXXX XXXX in XXXX XXXX FL in XX/XX/XXXX right before graduating the school dropped many of us who had perfect attendance and good grades requested us to go to a office I didnt think nothing of it because the dean said it was something the loan company asked them to do so they made us all write on paper. Our current situations to pay an additional payment after being dropped for no reason that it was just encase if the loan company needed it or we couldnt attend school anymore so I wrote one it was a sloppy note because I was upset at getting dropped with good grades and coming to school everyday later after graduation I got a extra bill that I owed and additional {$6000.00} to pay separately not including my student loan with XXXX XXXX my first payment was extremely high than I ever had from any of my past loan. 

Something around {$170.00} a month I stayed in contact begging and pleading to please lower my payments as I had not found work in my field for 2 yrs of searching my diploma was no good to me which in return me and my kids were evicted and had to live on the streets as time went by I would call again to ask for a forbearance or something 2yrs I sent out XXXX resumes a month and was told my diploma with XXXX XXXX XXXX XXXX was not valid. 

I and my children had to relocate because we couldnt even get house for low income because of the daily posting on my credit from XXXX XXXX Navient it is XX/XX/XXXX and Im steal struggling with these people to get them removed and loan dismissed all together I am XXXX XXXX XXXX and feel the choice I made to start a new Career back in XXXX was the biggest mistake I could have done my children are affected Im affected emotionally our grandparents past way and we couldnt see them because of the forced relocation of a better life we lost our valuables when we were evicted nothing but the clothes on our backs. 

Thank you for taking the time to investigate theses people because they dont realize what they have done to a lot of people or how they displaced many looking for their dream of being XXXX XXXX XXXX that was never any good.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the recent attempt to rectify the delayed opening of my account. Despite my previous correspondence and the acknowledgment of the issue, I find it regrettable that a second attempt has proven unsuccessful. 

I first brought the matter to your attention, outlining the inconvenience caused by the delayed account opening. In response, I received assurances that prompt action would be taken to address the matter. Unfortunately, it has come to my attention that the issue persists, prompting me to register this formal complaint. 

I understand that unforeseen circumstances may contribute to delays in processing, but the repeated failure to resolve this matter is both frustrating and unacceptable. As a customer, I expect a level of service that includes timely and efficient handling of account-related matters. 

I request that you investigate the root cause of this delay and take immediate action to rectify the situation. Additionally, I would appreciate regular updates on the progress made to ensure that the matter is resolved without further delay. 

If the necessary steps are not taken promptly to address this issue, I may have no choice but to explore alternative options and escalate this matter further through appropriate channels, including filing a complaint with the relevant regulatory bodies. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$2700.00}.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, which I obtained from Experian on [ date ]. Upon reviewing my report, I found several errors that I believe require immediate correction. The items in question are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to conduct a thorough investigation of disputed items on consumer credit reports. However, I am aware that the Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against Experian for alleged failure to conduct proper investigations as mandated by law. Given this, I am particularly concerned that my dispute will not be handled with the diligence required under the FCRA. 

I am requesting that Experian conduct a comprehensive and timely investigation into my dispute and provide me with written confirmation of the outcome within 30 days, as required by law. If the investigation determines that the disputed information is inaccurate or can not be verified, I request its immediate removal or correction. 



Please send your written response to my address listed above or contact me directly at [ your phone number ] if you require additional information. 

Thank you for your immediate attention to this matter. 

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

I urge the immediate deletion of fraudulent information from my credit file. This erroneous data, resulting from fraud, should have been removed already but remains unjustly listed. Under FCRA Section 605, you are obligated to correct and eliminate any inaccurate records. I have previously provided the required supporting documents and am resubmitting them for your review. My attorney has been informed and is prepared to take legal action if this issue is not promptly addressed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Debt collection

I received in my credit report, a debt report of SunriseCredit Services for an amount of {$170.00}. This was made by XXXX XXXX XXXX as the original creditor. The company is located at NY. I live in XXXX and havent been to NY in years. It says it opened on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXXXXXX  XXXX XXXX Opened : XX/XX/2017 Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the Bureau and they responded with I needed to provide information that they have already reported on the report such as - ACCOUNT NAME, ACCOUNT NUMBER, DATE OPENED, BALANCE-which I provided by attaching the dispute letters that I sent to the Bureau which XXXX provided in the letter. This is the second time that they responded with the same EXCUSE! They have violated the FCRA and my consumer rights. This is nothing more than a STALLING TACTICT by the BUREAU.