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

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 three 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 inquiries 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 21 times. XXXX 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 XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

On Thursday, XX/XX/XXXX, Citibank NA Best Buy made a hard inquiry on my credit. I called Friday, XX/XX/XXXX and informed them of this. They told me someone applied online and hence the hard inquiry. I told them this was not me. They told me it was declined due to misinformation. I asked them how the person applied and where. They told me it was online. I asked them to tell me what information was provided so I can see if I can figure out if I know who did this or if it was a stranger. They would not tell me. They confirmed with me that it was NOT me. They told me they would remove the hard inquiry and I was just alerted of a SECOND hard inquiry made today on XX/XX/XXXX after talking to them. I now have XXXX hard inquiries from them.
Product: Credit card or prepaid card

I have a XXXX/XXXX card, with insurance from XXXX  XXXX! In XXXX my dad became ill, and I called on this card 3 times to use the insurance. I was advised 3 times from XXXX to XXXX that I did not have insurance on this account from XXXX! In XXXX I get a letter that my XXXX  XXXX insurance had been terminated for not meeting the minimum payment? 

XXXX  XXXX has been paid from XXXX through XXXX and they stated that there was nothing that they could do to resolve this issue, and referred me back to XXXX, which also informed me that it was a separate company and it was nothing that they could about it! 

Please help I feel that this is an unfair business practice! One of these companies took my money for a service and would not honor the service when I needed it! Please help
Product: Debt collection

Hello, I hope this message finds you well. 

Enhanced Resource Centers have been unwilling to provide any Account Verification details with me whatsoever. 

I had sent them a Certified Mail Debt Validation Request, and the address that is on file for them on my XXXX  Credit Report, and the address that the representative I had spoken to provided me with is the address which I sent the correspondence to. The correspondence was returned to my address with a statement from USPS stating that this parcel was not deliverable as addressed and it was unable to get forwarded either. This is deeply concerning to me. As not only they refused to provided additional details, the address on file for them on all of the platforms is incorrect. 

Please see the attached files for all of the proof that I have with this statement. 

Furthermore, after speaking with them on the phone they would not give me any details other than what is inaccurately listed on my XXXX   Credit Report. 

Please help me, as this derogatory remark on my Credit Report is causing tremendous stress and making me lose out on several career opportunities due to the nature of my field as a XXXX. I am hoping that the evidence I have provided is sufficient to close this account and remove this derogatory remark from my credit report. 

Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not really a complaint. Just a request for explanation. 

This is regarding accurate reporting of a federal student loan. 
Navient is the servicer and the guarantor is XXXX XXXX XXXX. 

XXXX : Navient Guarantor : XXXX  XXXX Open Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Close Date ( paid in full via consolidation ) : XX/XX/XXXX Last Payment made ( by me ) : XX/XX/XXXX I've made zero payments in the past 7 years but Navient reported my account as current for months where I was in forbearance. There are several periods where I wasn't in forbearance and Navient reflects those as delinquencies. So my 7 year credit history is a combination of forbearance months reported as " current '' and non-forbearance months reported as delinquencies. 
My argument is that regardless of the fact that Navient REPORTED my account as current some months, I haven't made a payment in over 7 years. After the last payment I made in XX/XX/XXXX, I never came back current. I believe the purge date of this account should be based on the actual date I went delinquent and was never current again. Should the forbearance periods be included in the calculation to determine when this account should be aged from my report? Or should it be based on the last time I actually made a payment ( if Navient or myself provides this evidence to the agencies )?
Product: Credit card

Earlier this year, I contacted PayPal Credit to request a hardship program due to financial difficulties. At that time, I was informed that no such assistance was available. Recently, I reached out again to explore options for lowering my monthly payment to a manageable amount, as my account is past due with a balance of {$2600.00} and a minimum payment of {$670.00}. PayPal Credit proposed a payment plan of {$48.00} per month, which exceeds my financial capacity. I requested an adjustment to {$25.00} per month, but no resolution was provided. Additionally, I was directed to contact Synchrony Bank for further assistance, despite initially contacting PayPal for support. The lack of meaningful assistance has made it challenging to address my financial obligations and prevent further harm to my credit.
Product: Debt collection

In XXXX of XXXX I had to have an emergency XXXX XXXXXXXX after cracking my tooth months prior said XXXX in the middle of the Covid pandemic when I was unable to go to the dentist as the world was shut down. As I was unemployed at that point for over a year, I was forced to choose between taking a loan through comenity capital bank or suffer from what my doctor explained to me could rapidly turn into a life threatening condition. I was in a tremendous amount of pain when I signed up for this loan, and did not realize that it would eventually lead to me paying more than I initially borrowed on top of being harassed by a debt collector with a minimum of 20 phone calls per day, every day, all from different numbers, and when politely asked to stop harassing me every 15 minutes daily, that it would not stop. At this point Ive paid more than what I owed, and somehow my balance is higher now than the original amount i borrowed to have an XXXX XXXX PROCEDURE. I just got off the phone with them XXXX minutes ago and as I type this brief summary of my complaint, Ive received XXXX more phone calls. This is illegal, this is harassment and its abusive.
Product: Mortgage

360 Mortgage LLC in XXXX Texas has been collecting payments via escrow for Property insurance for the subject property. 360 mortgage 's under-educated Insurance group is refusing to pay the property insurance policy because they want to change the policy/ dictate to the insurance company and property owner how the policy needs to be titled. ( they are listed as lienholder - that is the only matter they are entitled to dictate ). We have had this discussion each year for the past three years. Now they have refused to pay the policy and I have received a notice of cancellation of the policy. Whether this is just under-educated people attempting to practice law without a license because they do n't know local laws or insurance underwriting, or whether this is a wholesale attempt to cause the existing policy to lapse so they can force-place a more expensive policy thru an affiliate, it smacks of fraud. They represented they were collecting insurance payments each month into an escrow account so that the policy could be paid - when in reality they have now refused to pay the policy. I recommend their loan servicing practices be investigated for consumer abuses.
Product: Debt collection

I was placed into collections with Aldous and Associates on XX/XX/XXXX. This was for a cancelled XXXX XXXX membership that was cancelled in XXXXXXXX XXXX XXXX. This significantly lowered my credit score. I attempted to clear the debt by providing documentation of the cancellation. Aldous and Associates did not accept my proof and I paid off the debt rather than continue to argue with them. I paid Aldous and Associates the full amount of the debt {$230.00} on XX/XX/XXXX. The company reported my debt as settled and my score improved. In XXXXXXXX XXXX XXXX  this debt reappeared on my credit report. It was again reported as unpaid. I contacted Aldous and Associates with proof of the payment. They would not accept this and said I had to pay again despite the debt already being paid. The supervisor was very rude to me and told me I had no other options. He then hung up on me when I attempted to speak. I believe the company is scamming me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax XXXX XXXX regarding their credit reporting practices, specifically concerning discrepancies in the information they report compared to other credit bureaus, as well as instances of unauthorized inquiries and accounts appearing on my credit report. These issues have had a detrimental impact on my credit score and financial well-being. 
I have diligently monitored my credit reports from various credit reporting agencies, including Equifax XXXX XXXX, and have noticed significant disparities in the information they report compared to other major credit bureaus. This inconsistency has resulted in an inaccurate representation of my creditworthiness and has adversely affected my ability to secure credit and financial opportunities. 

Furthermore, I have identified instances of unauthorized inquiries and accounts on my Equifax XXXX XXXX credit report. These inquiries and accounts are not only erroneous but also potentially damaging to my credit profile. I have not authorized or engaged in any financial transactions or agreements that would warrant the inclusion of these items on my credit report. 
I have taken appropriate steps to dispute these inaccuracies and discrepancies with Equifax XXXX XXXX directly, but my concerns remain unaddressed, and the issues persist. As a result, I am left with no alternative but to escalate this matter to the Consumer Financial Protection Bureau for further investigation and resolution.
Product: Debt collection

I HAVE A FRAUDLANT ACCOUNT REPORTING ON MY CREDIT REPORT
Product: Student loan

I initially signed up for an Income Driven Repayment Plan when my student loans came due for repayment early this year. I found out months later that I was somehow on a standard repayment plan, and supposedly owed over XXXX XXXX dollars. I paid the amount requested. Then I requested that my payment plan be switched to an Income Driven Repayment Plan using the MOHELA website in XXXX. When making a phone call about it, I waited on hold for almost an hour before hanging up to leave for work. I later filled out a form on the MOHELA website to change my payment plan under my own initiative, after discovering that feature which was difficult to find. I was informed that my request would be processed within XXXX to XXXX weeks. It has been over XXXX weeks and the only communication I have received from MOHELA is to inform me that I have payments coming due soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida DDUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX   FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( s ) in question are as follows : XXXX XXXX XXXX  XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 



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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/21 and XX/XX/21 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX
Product: Bank account or service

WOW ... still no official response from BBVA. Tried contacting them today and was placed on hold for more than 4 hours total. Was told that accounts were closed and money was on way. When I questioned it with later rep was told that was not the case. 

Was told my only options were to call earlier or visit a branch. Requested a supervisor and was hung up on.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

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

15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written Instruction 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 conviction of crimes which indicates 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 know or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

MIDLAND FUNDING LLC is reporting a debt to credit reporting agencies that is not mine, and that has previously been reported AND REMOVED. This is an ongoing issue where they wait a short time and then re-report the item.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am not filing disclaim in the third person. I am a living woman whose privacy rights have been violated. THE ACCOUNTS ARE INCOMPLETE AND NOT ACCURATE. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXX XXXX # XXXX {$3100.00} XXXX XXXX XXXX # XXXX {$7200.00} XXXX  XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX / # XXXX {$660.00} XXXX XXXX XXXX/ # XXXX {$87.00} XXXX XXXX  / # XXXX {$4000.00} XXXX XXXX / # XXXX {$1200.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I Have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit card

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions.. REMOVE THIS NEGATIVE ACCOUNT COMPLETELY FROM MY XXXX REPORT. BBY/CBNA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian keep returning with the same old " that XXXX has certified I owe the debt and they have verified that it is mine '', etc ... 
Experian has removed one of the charges that are being treated as individual accounts. I'm still waiting on the other three. 
XXXX  just comes back right away with their generic responses. As of this date they will not re-investigate my complaints. I only just got their XX/XX/XXXX confirmation # XXXX. 
XXXX on the other hand, has three showing as closed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act.The list of accounts below has notated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Acct # XXXX, XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX