23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. I have previously reported this information and the consumer agencies stated they verified the information but did not provide me with any further information on how they completed their investigation. It is my belief they did not complete an investigation but just stated they did. This has caused me to file for arbitration seeking damages. The account listed as XXXX XXXX Account # XXXX has several late payments that is not correct. 

XXXX XX/XX/year> Experian XX/XX/year> XXXX XX/XX/year> XX/XX/year> XX/XX/year> These late payments are not matching so it can not be accurate so tell me how did you complete the investigation when you can not even report the same information for the account. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX ( Account number ending : XXXX ) has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Did not report XXXX credit card to any Credit reporting agency since XXXX. The XXXX XXXX XXXX can see Transunion on or about XXXX and XX/XX/year>. The Mortgage department refused Mortgage XXXX and XX/XX/year> claiming they could not see Transunion account XXXX But was able to see it from the previous pull. I am the original true lender and creditor, and XXXX keeps taking my credits and not extending them to the rightful owner Initial on auto loan XXXX and XXXX as well as XXXX and XXXX on the mortgage applications. The company sent a denial the first time. Then claimed they could see the report in which they can see actually.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian charged me a monthly fee for over 8 months ( {$21.00} ) for a service I didn't request. They claim that I gave them authorization to charge my credit card monthly, after signing up for a {$1.00} promotion on XX/XX/2017. If I didn't cancel the promotion within 7 days they started charging me the full monthly amount. I never received updates via email letting me know how my credit was doing so I wasn't aware I was being charged. Yesterday, XX/XX/XXXX, I looked at my credit card statement and noticed a pending charge of {$21.00} from Experian. I went back to see how long this charge has been hitting my account. I saw monthly charges starting in XX/XX/2017, and realized that they'd been charging me monthly since then- that's over 8 months! I did not authorize these payments - the only charge I authorized was for {$1.00} back on XX/XX/2017. 
When I finally got through to an Experian customer service rep, they said they could only refund the current month 's charges - XX/XX/2017.  They said that by authorizing the {$1.00} promotion, if not canceled within 7 days, they would continue a monthly charge of {$21.00} to my credit card. 
I'm disturbed by this practice, along with the fact that to cancel the membership I had to input my social security number on the telephone, instead of asking for an account number as a reference. I feel taken advantage of financially, and am angry about their lack of transparency and communication. It just felt sneaky and predatory.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), a loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal credit card opened at XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( private ), a loan account opened at XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( private ) that appears related to the aforementioned personal loan account opened at 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: Student loan

I 've been repaying my private student loans regularly since graduating about 10 years ago -- first to XXXX, now to Discover. I 've been signed up for auto-debit for a much of that time. This May, my auto-debit payments stopped. I noticed this last month XXXX XXXX XXXX and called Discover. Turns out my account was placed into forbearance, which I did not request. The stated reason for the forbearance was a " headquarter account clean up. '' During the forbearance period, my balance increased ( interest accrued ) and at a higher rate ( 3.25 %, up from 2.75 %, which reflects the auto-debit discount ). The customer service rep was very nice, but could n't tell me anything more about my account was in forbearance. He promised to restore the difference between the interest rates, but could not say when ( the administrative forbearance period is undetermined ). Meantime, Discover is charging me interest on a higher balance than they should be, and at a higher rate -- all because it stopped accepting my auto-debits. Could this be a scam? Seems that administrative forbearance is a profit-maker for Discover ( higher rate of interest on a higher balance ). Would appreciate it if you could look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXXXXXX XXXX Balance Owed : {$15000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX  XXXX Balance Owed : {$460.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX I was viewing my consumer report and its relationship between I and the consumer reporting agencies. During my investigation I realized that my consumer report has inaccurate information that's being reported on my consumer report on a monthly basis. I was never notified by Equifax, XXXX or XXXX that they are assembling and evaluating my consumer credit and other information about me. According to the FAIR CREDIT REPORTING ACT ( FCRA ) consumer reporting agencies are obligated to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated by the three reporting agencies when they assumed this role.They were not given express permission by me, the consumer or a competent court of jurisdiction to issue an order stating that the three major reporting agencies are obligated to report such information. According to 15 usc1681c ( a ) ( 4 ) ( 5 ) no consumer reporting agency may make any consumer report containing accounts placed for collections or charged to profit and loss or any other adverse item of information. Also according to the FCRA a consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that the information that is being obtained is through a personal interview with a neighbor, friend or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information.So, not only did they fail in the initial investigation of this information, they also assumed this role, and assumed this information was valid which is a violation of my consumer rights.They did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality.They took one side of the story and never consulted with me or people that is close to me or that had knowledge of this information to find out if those transaction even took place. As a result of this my privacy has been breached and identity theft has been committed by the three reporting agencies which is a violation of my right to privacy.This mishap that the consumer reporting agencies have caused ruined my reputation and it has adversely affected my credit worthiness to extend credit.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX  ( original creditor : XXXXXXXX XXXX  ) Account Number : XXXX Specific Issue : I noticed a discrepancy in the " Date Opened '' for this collection account across the credit reporting agencies. 
I
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report. I also have items that are not my that are due to identity theft and as the credit agency to validate and they have not it has been over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to retrieve my credit report from XXXX and was unable to do so. the company is not giving me my annual free report.
Product: Debt collection

This company has called my family and I nonstop and continues even when told not to contact us anymore. They have called my extended family and have called my parents old places of employment. These communication tactics are so unethical and have gotten to be so annoying. In 2020 I fell into financial ruin due to the pandemic and lockdowns. I was forced to move out of my parent 's house due to a domestic XXXX incident and have lost my job more than once and have received unemployment as well as government assistance. I was then forced to pick and choose the bills to pay with the highest priority. If I could pay my debts I would but I can't.
Product: Student loan

Navient, formerly known as XXXX XXXX, has reported 3 of my payments as " late '' to credit agencies when the payments were not late. Although Navient has reversed the late fees that they had initially charged, once I brought to their attention that there were no late payments, Navient has never notified the credit agencies of this error. The dates/months/years falsely reported as " late '' are as follows : - XXXX/XXXX/2010 ( was charged a late fee in the amount of {$25.00} ; fee was reversed the same month ) - XXXX/XXXX/2010 ( was charged XXXX late fees : {$20.00} AND {$13.00} ; XXXX fees were reversed the same month )
Product: Debt collection

This company has put a derogatory mark on my credit report. I have no knowledge of this supposed debt nor have I ever had any dealings with this supposed XXXX. This company never sent me the required debt validation letter or contacted me EVER. Now I have to put a fraud alert on my credit report because of this company. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. NOR HAVE I EVER HAD ANY DEALINGS WITH THIS SUPPOSED XXXX. This company is damaging my credit with this fraudulent account.
Product: Checking or savings account

On XX/XX/XXXX I make a cash deposit of {$2500.00}. The machine took my money without crediting my account. I made a complaint the same day and a week later they closed the claimed and said I can not be paid. I would like to request surveillance footage of the deposit as I made the deposit and should be paid {$2500.00}.
Product: Credit reporting or other personal consumer reports

ONEMAIN To whomever it may concern : I am writing regarding an issue with the way you are reporting this account on my credit file. I have noticed that your company has reported to the bureaus that my account was charged off. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history, note, or other instrument bearing my signature. 

ONEMAIN Account Number : XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Mortgage

Wells Fargo did nothing to resolve complaint XXXX-XXXX  Wells Fargo has had several opportunities to bring my account up to date and they have refused to do so. They simply explain what happened, and then they tell me they transferred my mortgage to another bank. They have yet to offer a resolution, but simply an explanation of what happened. They received documents establishing a partial claims promissory FHA HUD1 note on XXXX XXXX and were supposed to apply the funds from that note to my loan. They didn't apply those funds, and on XX/XX/XXXX they transferred my mortgage to XXXX XXXX. XXXX. As it is now I owe the money for this note at the end of my mortgage, and Wells Fargo has yet to apply those funds to my mortgage which is what they are bound to do by the documents of this note. This has been going on since XXXX and I have made several attempts to get them to post the money from the Partial Claims note to my mortgage and they refuse to do so while telling me they transferred my mortgage.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found a billing error. The late payment does not align with my typical payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 Suntrust XXXX XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.
Product: Prepaid card

On or about XXXX XXXX I noticed an email notification from Credit Karma , notifying me that I had a " karma guarantee " offer waiting for me and to log in to see it. 
Upon logging into my Credit Karma account the first thing the was presented to me was a big blue manner telling me that the company XXXX had a Pre-Qualified offer for me that was so good, that if I didn't get approved for the Credit card, that credit karma would in turn provide me with XXXX $ and they called this their " Karma Guarantee ''. 
Well I was not approved and I had to contact credit karma support and ask them like how to I go about collecting this XXXX XXXX Now that my credit score has dropped even lower, and i.havr a fresh hard inquiry, XXXX $ is the least u can do, especially since they guarantee it. I was told initially that I didn't qualify for it and that was that, and that they didnt and wouldn't provide me with why I wasn't, just that I wasn't period. After a followup with the XXXX, the next day apparently they launched an investigation into the matter ... and low and behold I actually did qualify for the XXXX . 
I soon received an email from credit karma telling me that I would be receiving it and I would shortly be getting an email telling me the steps to redeem. 
I've emailed credit karma about twice weekly asking for this email and how to redeem and they always reply and tell me that I am infact qualified for the XXXX $ and I'll be receiving an email shortly ..it 's been over a month and they make it very clear that the gift card must be redeemed within 90 days of the claim. I feel they are hoping I waitwait and then disqualify myself due to the time frame being up on the claim.
Product: Credit reporting

there is information on my file that either is unverified, inaccurate or I have no knowledge about and the credit bureaus are either not processing my disputes or they are not doing their job correctly. I have not received any documentation in the mail that either verifies or validates any of these that i am disputing and I just am not sure what to do right now. I asked for documentation, was denied it and all of these come back as verified but nothing is being verified at all! Who did they call? What was the date? Who did they speak with? What documentation was used? What was the method of verification? I already made a complaint with the Attorney General because this is absolutely absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my crefit report that are being reported inaccurate and I have sent the crefit bureaus proof and they still havent updated or removed the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, My husband and I sold our house and moved from our home in XXXX XXXX, PA. We called the electric company to pay our bill and schedule shut off of our electric at the house. Sometime later in XXXX I received a collection notice from PENN Credit ( acct # XXXX ) regarding a past due elective bill. I did not know where this bill was coming from as my husband and I had to make a final payment in full on the electric bill of our home in order to schedule the power to be shut off at the home we sold. After multiple calls with the electric company and Penn Credit, the end result was that there was a gap from when the new home owners moved in and when XXXX shut our account off. XXXX would not adjust the bill to the correct account. Penn Credit just wanted their money. There was no way to even talk to the new homeowner to try to get them to pay the bill. So, frustrated and not getting help from any direction, my husband and I finally just paid the bill. It was agreed and the representative from Penn Credit confirmed that once I paid the bill over the phone with my bank card on XX/XX/XXXX the account would be removed from our credit report. Months later, the account is still on my credit report and affecting my ability to buy a home. We have spoken with one of the credit bureaus it is being reported to ( XXXX ) and they have indicated that they dont know why it is still on the report and it can be taken off, but needs to come at the request of Penn Credit. Any bank I speak too states the same. We have contacted Penn Credit multiple times and were told I can try to dispute all I want, they will just keep kicking it back that the account is closed but will never take this off of my credit report. They dont have to or want to. This is causing a major financial headache for me in trying to improve my credit and buy a home. I dont know what to do at this point. Penn Credit is preventing me from being able to obtain a loan. I have done what they asked and were promised it would be. I feel like my credit is being harassed and held hostage by this company.
Product: Credit reporting or other personal consumer reports

This account was opened without my authorization and constitutes fraudulent use of my identity. I did not consent to this account being created, and I am demanding immediate action.