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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD INQUIRIES 4inquiries These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX ALL COMPANIES ARE IN VIOLATION OF LAW!!!! 

" FAIR CARES ACT ''!! 



RESPONSE DISPUTE!!!!!!!!!

15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c 
) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Credit Bureau Services was unable to verify an alleged debt so it has been removed from my XXXX credit report. However, Credit Bureau Services has began to report the debt under Other Loans and has reported a late payment.
Product: Mortgage

When the covid pandemic began we were lead to believe that any missed mortgage payments would be added to the back end of the mortgage and the loan would be extended. Now we are being told that the missed payments will be due as a balloon payment at the end of the loan term. This is unacceptable and it was misleading
Product: Credit reporting or other personal consumer reports

These are the inquiries I dont recognize : 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

This is one of many complaints you will receive about Equifax 's security breach. I was not alerted in any fashion and only found out through word of mouth that my social security number, full address, date of birth, and possibly drivers license are compromised. Since Equifax offers a way to unfreeze credit using this information, it is impossible for me to guarantee illicit use of my information even if I employ a credit freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for you to please send me all relevant documents that was used with XXXX XXXX and XXXX when you claim and or took it upon yourself to notify and or what I believe you personal are using their reports! Illegally! What I will need from you is a copy of my dispute asking you to contact XXXX XXXX XXXX on my behalf to initiate any disputes with any of the XXXX? They dont even show what was specifically asked of you to dispute like your credit report so explain to me as to why you would even notify them! Lexisnexis I use the CFPB for specific reason and every single dispute or complaint has been uploaded here so I know you are doing false credit reporting and Im tired of the runaround with your illegal and violations!! 
Under Under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate.show me the facts I want to see that you actually did a reasonable investigation this mean go to the sources ask questions get and prove physical verification! I want you to show me! I shouldnt have send you information and you turn around and sell my information thats not completely verifiable and accurate! No sir XXXX XXXX! If you want to keep reporting that for the next 10 years you are going to have to show me you your hard work and effort in order to keep reporting this!!! Show the fact please and I will leave you alone!! But until you do we will go to XXXX and back if you think Im going to back down!! 
Thank you XXXX XXXX
Product: Credit card or prepaid card

I contacted Synchrony in XXXX of 2021 because my Chevron online account had changed and I could not login.

The Synchrony Customer Agent informed me that they had converted to a new billing system and all customers needed to renew their account login 's.

Shortly afterwards, I received a new bill on my Chevron Gas Card for more than {$850.00}. 
I contacted them and told them that this was a mistake, because I had my monthly payments setup with autopay to pay each month 's balance in full. 
When I asked that they send me the transaction statement for these {$850.00} charges, I was told that they didn't have them, because of the new system they had converted to. 
They have not to this date produced any proof of these charges and I have escalated this with their management and fraud department. 
They continue to bill me for these charges with interest, but are not able to show any transactions to back them up. 
I have called them numerous times about this, but to no avail. 
I continue to pay the minimal amount due each month ; only because I have excellent credit and I don't want this to impact it. 
I am at my wits end on what to do regarding this matter!
Product: Debt collection

Received XXXX calls since XX/XX/year> to XX/XX/year>. They do not indicate my name, account number or my social when leaving the message or, date when called, same recorded lady voice on every message. I have never received correspondence letters from anyone saying I have a debt owed from them or any other company. I have check my credit reports and county records looking for judgements and I show none and my accounts are up to date. 
I do not want to reach out to companies like this due to fearing being scammed and taking my personal information. Please get this to stop. The that says us calling is XXXX and they say to call back at XXXX.
Product: Debt collection

On XXXX XXXX, 2016, I was informed by a loan officer from XXXX XXXX XXXX XXXX XXXX Bank that my mortgage application would be denied because she had talked with XXXX, XXXX, XXXX and XXXX, XXXX about a debt judgement between myself and XXXX debt collection companies that the firm is representing. This is a direct violation of the Fair Debt Collections Act. Because of the communication between the firm and the bank, I lost a morgage that could have reduced my interest rate and equity that would have paid off all current credit debt, freeing our finances up to pay off the judgement amounts in the future.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment records that I strongly believe are inaccurate and possibly linked to a data breach. These errors do not reflect my actual payment history and are causing unjustified harm to my financial standing. I will not allow this misinformation to go unchallenged. 

For Experian, the disputed accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies are unacceptable, and I demand their immediate correction. 

The Fair Credit Reporting Act ( FCRA ) clearly states that any incorrect, outdated, or unverifiable records must be removed promptly. I expect immediate action to rectify this issue, as any further delay will only compound the damage already done.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT

for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions
Product: Credit card or prepaid card

I notified Capital One on XX/XX/XXXX to notify of an issue I was having with a company, XXXX XXXX that I had paid to build a mobile application. I informed them of the concerns I had with way in which this company did business, charging me for months for an app that I was promised to have ready in 6 weeks that instead took six months. I advised the representative that the first charge occurred on XX/XX/2019 when I required to pay for the first and last month of the application being active on their platform, which was a fee of {$310.00}. I also informed CO that when I looked at the contract, the wording said that charge was for a " business marketing application, when I was told something completely different. I expressed to them how the employees of the business used aliases that were not their real names. I explained that the recurring, subscription charges began on XX/XX/2019 and continued until XX/XX/2019. I informed them that I wanted to dispute all charges in questions and requested a a form of contact to send supportive documentation. I had not heard anything, so I called back on XX/XX/XXXX, only to find out that the case was not file. Again, I gave all this information for the case to be filed against and ti request an investigation and request a chargeback on these charges. I called in on the XXXX and found out that again, this has not been done. No investigation that has been requested 2 times prior had not been performed. At this time, I demanded to be transferred to a supervisor in an American-based call center. XXXX advised she would be sending the entire complaint to the investigation office.
Product: Checking or savings account

Discover banking froze my account on XX/XX/XXXX due to unusual activity. As of XX/XX/XXXX I have spent a total of 20 hours on hold with there security team which hangs up after a 3 hour hold time. Upon finally reaching someone I was directed to a manger who had a terrible phone connection and offered to call me back. That was 5 hours ago and no call back has been attempted. I have an entire paycheck ( {$4400.00} ) tied up by this company who are impossible to contact to regain account access. Currently they are putting myself and others at risk for unplayable bills due to being uncontactable for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. 

My name is XXXX XXXX. I have a problem with a background checking company named " Checkr '' ( Checkr.com ) Checkr.com posted unauthorized, and incorrect background information about me ( from 29 years ago ) to my employer ( XXXX ). 

I was on my XXXX XXXXXXXX XXXX XXXX  with XXXX. I XXXX  for the 5years ago ( 5star ratings ) for about 14 months. And recently I re-applied about 13 months ago. I was XXXX  ( part-time ) for about a year. ( all 5star ratings ) and then... 

Just last month, mysteriously, XXXX performed a random background check on me. And a XXXX  from 29 years ago was posted from their background checking company ( Checkr.com ) XXXX deactivated my account. I lost wages. I have not driven for XXXX in over a month. ( I had a XXXX XXXX XXXX ) I filed a complaint with Checkr.com. It is in dispute right now.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays.

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX )
Product: Credit card or prepaid card

I have several problems with PNC bank they changed my monthly minimum payment from {$50.00} to {$160.00} per month. And never told me so they could say I missed payments and started charging me {$37.00} late fees. No one with a {$1500.00} balance pays {$160.00} per month minimum payment that is absurd greedy and just wrong. They need to be stopped. Also they wouldn't let me make a {$5.00} charge to pay for a {$5.00} XXXX skilled trades ad but they let someone on Arkansas use my account twice XXXX XXXX 2023 and XXXX XXXX 2023 for purchases of {$17.00} and {$16.00} saying I had to pay for it.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1800.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Via XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete the following items immediately : 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
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I am writing this complaint to you today to address a matter of utmost importance regarding identity theft that has impacted me. I discovered suspicious activity on my credit report, this was brought on by a data breach from XXXX XXXX in XXXX After reviewing the information on my credit report, it came to my attention that several unauthorized accounts have been opened in my name. I was and am deeply concerned about this breach of my personal information and the potential repercussions it may have on my financial well-being. I have taken immediate steps to report this identity theft incident to the local authorities and have obtained a theft affidavit which I have enclosed with this complaint for your reference. I have also contacted the affected financial institutions and desire the placing of fraud alerts on my accounts to prevent further unauthorized activities. As I reported the problem Experian to rectify this issue, and they removed all but 1 account from my report I kindly request your assistance in blocking the fraudulent account listed on my credit report with Experian. The unauthorized accounts in question are included on the attached affidavit, and it was opened without my knowledge or consent. I have not initiated or authorized any transactions associated with these accounts. In light of the seriousness of this matter, I kindly request that Experian initiate an immediate deletion of the fraudulent accounts. It is crucial to ensure that the erroneous accounts resulting from this identity theft are promptly removed from my credit report. The accounts in question are : XXXX XXXX XXXX XXXX XXXX. Enclosed with this complaint, please find the following documents that support my claim : 1. A copy of my identification for verification purposes. 2. A copy of the FTC Affidavit detailing the identity theft incident. I understand that resolving cases of identity theft can be a complex process, but I sincerely appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX of XXXX, we were officially enrolled in a debt management program administered by XXXX XXXX XXXX XXXX see attachment 1 ). 

Under the agreement, XXXX is authorized to withdraw XXXX once a month from our checking account to distribute to the credit card companies who agreed to the terms of the proposal made on our behalf by XXXX. 

For the most part, enrolling in the XXXX XXXX has been one of the best financial decisions we have ever made and after participating for just seven months we feel we are making real progress toward our goal of being debt-free within five years. 

However, we are experiencing an ongoing issue with one of the credit card companies, American Express, who since accepting the proposal from XXXX has treated us in a manner we would describe as unfair and unethical. 

We say that for the following reasons : 1. On several occasions last summer ( see attachments 3 & 4 ), I contacted the company in an attempt to request they remove the delinquent status. 

2. Despite efforts on my part with assistance from XXXX, American Express was non-responsive to my requests to remove the delinquent report and stop reporting me as late. 

3. I recently discovered as a result of being denied a loan for a replacement vehicle that American Express is now reporting the account as being charged off, which is both inaccurate and unduly punitive. 

This action not only negatively impacts our credit report for five years at minimum, it creates the false impression that we simply walked away from our debt to American Express. 

The basis for my request to the company that the negative information be removed, as well as this complaint, is the fact that at the time the company accepted the proposal from XXXX, my account with American Express was in good standing with a history of on time payments ( see attachment 5 ). 

Furthermore we contend that if not unlawful, it is at least unethical for American Express to report the account as being charged off while at the same time continuing to accept monthly payments from XXXX per the proposal agreement ( see attachments 6 12 ). 

Like our payments to American Express prior to enrolling in the XXXX XXXX, these payments have always been made on time. 

Lastly, in my final attempt at resolving the problem directly with the company, I tried to see if the Minimum Payment Due total could be broken up into smaller amounts to paid concurrently with the amount under management with XXXX. 

I never received any word as to the outcome of the reps promise to escalate the request inside the company. 

As an aside, this is a company with XXXX in their name but who employs customer service representatives who are located in XXXX. While the nationality of the companys agents is not a concern, many of these agents dealt with us in a dismissive manner and seemed to take pleasure in doing so. 

As a 30-year customer of this credit card company, it was disappointing to be treated so disrespectfully, particularly when we have acknowledged we incurred the debt and have committed ourselves to a five year plan to pay it off.