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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores do not reflect my accurate score, several factors are not being taken into consideration with my score. Credit cards are being paid off in full yet my scores have not been adjusted and if they have been only are adjusted by 2 points.

For example, XXXX and XXXX  will deduct 12 points for a credit card debt increase of {$98.00} but once the credit card is paid off in full of {$1200.00} they only increase my score of only 2 points.

Second example that I have encountered, my credit score drops by 2 points for every hard inquiries a total of six inquiries 12 points, but when the two year time is over only 2 points are returned. Only 2 points for the removal of 6 inquiries, NOT FAIR! 

I have paid off multiple credit cards, but XXXX  and XXXX  take multiple months to update my scores, however in the event I miss one payment or have a credit inquires made the negative scores are updated almost immediately. 

Mi scores are in low 600 's but should reflect something in the 700 's, but even in the event where everything is paid off in full do my scores ever increase. I feel this is a complete injustice to the consumer bullied by big companies that make a fortune off the inaccurate credit reporting. What is one to do? I need help, back up, I need your organization to intervene and adjust my inaccurate scores. 

Please, Please, please help me!
Product: Student loan

My loan servicer for loan consolidation for PSLF was XXXX. From XXXX to XXXX I applied for PSLF four times. On XXXXXX/XX/XXXX, that loan was transferred to Mohela to process PSLF. My first employer for PSLF was approved on XX/XX/XXXX, and the second on XX/XX/XXXX. Also on XX/XX/XXXX, my IDR paperwork ( which I submitted twice ) was approved, and twice I requested forbearance while they sussed out the XXXX payments count. Today Mohela raided my bank account without warning, and took over {$1100.00}. Im unemployed, and my IDR payment was {$0.00}. *I never, ever gave Mohela my bank account info, and can only assume that they imported it from XXXX XXXX XXXX I also cant remove my bank account info, since it appears nowhere on the Mohela website. I have no idea where they store my information, when I will be charged, how much I will be charged, and how frequently. I received no billing statement prior, and have no idea how they came up with this dollar amount. This is insane. I feel like I have no choice but to close this bank account so that I can pay other bills, because Mohela is literally stealing from me. How did this criminal enterprise come to be in charge of PSLF? I feel like Im being punished for public service, and they are *impossible to reach*, the website is nonfunctional its a complete disaster, and I want my money back from these thieves.
Product: Debt collection

My rights have been violated in relation to an account on my credit report. 
CAINE & WEINER XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted.

15 U.S.C 1681 Section 602 A - I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
Product: Credit reporting

Please be advised that I see no other recourse but to file a complaint against XXXX XXXX Bank XXXX XXXX. This creditor is famous for using a process called re-aging of debt. The card posted was first issued in XXXX. I was late with payments at least XXXX times between the card inception and the beginning date on credit reporting on all XXXX credit bureaus, which is XXXX XXXX. This debt can no longer be collected within legal guidelines for the state of New York. The account was late for a first time over seven years ago, and therefore the seven-year timeline has passed. Out of the XXXX credit bureaus posted in this complaint, XXXX states a XXXX XXXX deletion of the account, XXXX states an XXXX XXXX deletion date and Experian states a XXXX XXXX deletion date. In essence, XXXX XXXX XXXX XXXX XXXX purposely cut off two years of my payment history to extend the timeline of maintaining the account on all credit bureaus. This practice of re-aging of credit trade lines has been approached by the Federal Trade Commission as an abusive collection practice, and also a violation of my rights under the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I demand a full accounting of this account to be reviewed by the Consumer Financial Protection Bureau, showing all payment history, when all payments were posted to the account on credit, and the credit reporting history since the card approval in XXXX. I am well within my right on such a request. XXXX XXXX Bank XXXX XXXX has no other recourse but to remove this account from all credit bureaus immediately and permanently.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2017  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

it is not legal for medical bills to be on credit reports as of XX/XX/2025. The Consumer Financial Protection Bureau ( CFPB ) finalized a rule that prohibits consumer reporting agencies from including medical debt on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are quite a few hard inquiries showing on my credit report that was not authorized by me and therefore I am asking the credit reporting agencies to please delete them. The only ones that I know of are 1.  XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX .3XXXX XXXX XXXX. The other hard inquiries was not authorized by me.
Product: Credit reporting or other personal consumer reports

I have previously filed a complaint with Equifax through the CFPB, by mail, by phone, and via their official website. I have provided all the necessary documents to verify my identity numerous times in various formats. However, when I called Equifax today to check the status of my dispute, the representative, XXXX, informed me that they could not verify my identity and asked me to resubmit my documents. 

I explained to XXXX that I had already submitted all my documents through the CFPB, by mail, and on the official Equifax website, but the information still hasn't been updated in their system. She apologized and insisted that I send the documents again. When I requested to speak with a supervisor, she said none were available and reiterated that they couldn't assist me without verifying my identity. 

The call took place on XX/XX/2024, at XXXXXXXX XXXX EST, on XXXX ( XXXX ) XXXX. 

Additionally, I am experiencing an issue with my Equifax online account associated with the email " XXXX. '' I receive the following error message : " Please give us a call and give this code to the Agent : XXXX. Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX-EQUIFAX ( XXXX ). Our call center hours are XXXXXXXX XXXX to XXXXXXXX XXXX ( ET ), Monday through Friday, and XXXXXXXX XXXX to XXXXXXXX XXXX ( ET ) Saturday and Sunday. '' I am requesting Equifax one last time to update my documents, which I am resubmitting with this complaint, and to update my Equifax credit report as soon as possible. 

Other credit bureaus do not cause this many problems, so please do not cite security concerns as the reason for these issues. If security were a genuine priority, Equifax would not have so many inaccuracies in the first place. 

I also request an update on my hard inquiries dispute and ask for permissible purposes for them in writing.
Product: Payday loan, title loan, or personal loan

I was laid off due to covid starting XXXX and I fell behind. I notified the company tried to make small payments out of good faith. I asked that they please stop reporting late payments to the XXXX credit report and they refused. As a result, they reported 6 late payments to my Equifax report which caused my payment history to go from 100 % to 90 % and a decrease in my score by 48 points. 

Til date, they're still refusing to remove the late payments. I've been a loyal customer and I paid on time up until being laid off due to Covid. 

Please help as I'm still a loyal customer with XXXX but I'm in the process of trying to purchase a home abd I'm having a hard time due to the payment history on my XXXX report. 

This is a Covid issue, or else I would've been able to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account number XXXX XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions or consent of the consumer ( myself ). 

XXXX, TRANSUNION and XXXX has furnish inaccurate information on my personal credit file. It is clear violations being committed by these bureaus. I have attempted many time to rectify this matter by disputes. Each time it comes back updated and not deleted and removed as it should be by law. Please remove and delete this inaccurate information from my credit file immediately. 
The account is paid in full and agreed by the lender to be reported as CURRENT, ON TIME and CLOSED. Each bureau is reporting different information as you will see in the documents I proved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Account type Account name XXXX XXXX  XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account info Account name SXXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX Account number XXXX 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.
Product: Checking or savings account

Chase let XXXX washed checks get cashed. All of the checks were clearly shown as chemically altered and now they are telling me it will take XXXX to a year to receive my money back. the total for the checks was XXXX}. No one at chase will help with any resolution. Not in the branch, online or phone. All they can say is I don't know what to tell you. Well, I did not let the checks get cashed and I do not see how this is my responsibility. If I owed chase a penny they would find a way to take it from me. This is classic big business doing the little guy wrong.
Product: Debt collection

I had obtained a payday loan and had problems getting it paid back. I hired the services of a company to help me resolve the debt which they are still working on. Today, XX/XX/21, there were numerous calls made to my employer from what was referred to as a company called XXXX. They first spoke with my immediate supervisor and then called again to speak to my general manager. They had called and left a voice mail on my work phone as well saying that they were trying to serve me papers but they would not identify what type of papers. After trying to call them several times without an answer I finally reached a man named XXXX who told me that the account had {$1000.00} owed on it and I was being sued for it. He identified me by an address I no longer live at and I did not enlighten him that I did not live there any longer. If he had my address then his story about being unable to find me to serve me papers did not make sense. When I told him that his story did not make sense because I had hired an agency to help me and I was under contract with them and would not break that contract to do what he was wanting and set up payments to him, he told me that it was ok and that they would go ahead and file the paperwork to have me arrested and prosecuted. I told him to do whatever he thought he had to do and I would as well. Thus I am filing this complaint. I know it is against the law for my employer to be contacted and this is not the first time I have gotten scam calls recently. This call was made from the number XXXX. I hope you can help me with this. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Experian : XXXX XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$510.00} - late/closed XXXX OF XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Collection XXXX XXXX Account Number XXXX XXXX Open : XX/XX/XXXX Balance : {$510.00} - late/closed XXXXXXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Collection XXXXXXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$510.00} - Late/Closed XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Charged Off XXXXXXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$80.00} - Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made two attempts to have a security freeze placed on my credit report with LexisNexis to no avail.
Product: Credit card or prepaid card

While in XXXX, I purchased an XXXX XXXX XXXX at a jewelry store for {$1000.00}. 

Upon returning home I had the stone appraised and it was concluded that it was a fake and worth {$5.00}. Furthermore, the stone was weighed by a non-calibrated scale, so if the stone had been genuine, the merchant used a fraudulent scale to weigh it. 

I was given a temporary credit back but that was removed and they reissued the bill a month later. 

I contacted Chase and they informed me that because I made the purchase in a " Face to Face '' transaction, I was not entitled to a refund. I had an opportunity to examine the merchandise before I purchased it and could deem whether or not it was fake. 

I have a certified gemologist XXXX world-renowned ), who provided a comprehensive account of the diamond. He's done this for many clients that have purchased counterfeit items and has never heard of a credit card company treating their customer the same way that they treated me.
Product: Vehicle loan or lease

I bought a used car from U.S.Auto and they weren't supposed to be selling cause their license was revoked so my question is where did all my payment i was sending them went to. they took my down payment and didn't give me my tags. They also took my down payment knowing they were going out of bussinessand the didn't have the right to sell any cars as of 2017.
Product: Debt collection

I need help. I want to report that Cavalry Portfolio Services is committing multiple violations to the Fair Credit Reporting Act and this is hugely affecting me. 

I want to mention two serious violations : 1. Reporting an incorrect opening date 2. Charge-off interest. 

Damages : legal advice expenses, not being able to obtain loan, emotional stress. 

Please forward the attached documents to Cavalry Portfolio Services , LLC. 

Thank you so much, CFPB.
Product: Debt collection

Debt Validation Request for Account : Dear Sir/Madam, I am writing to request validation of the debt referenced above as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I recently received a notice from your company regarding this debt, and I am disputing its validity.

Please provide the following information for verification : XXXX. **Verification of Debt** : The amount of the debt, including an itemized statement of the original amount, any interest, fees, or charges added, and the current balance. 

XXXX. **Proof of Ownership** : Documentation showing that you are legally entitled to collect this debt, including : - The purchase agreement or contract between XXXX XXXX XXXX XXXX XXXX, and the original creditor that establishes your ownership of this debt. 
- Documentation identifying the original creditor and the original account number. 

XXXX. **Payment History** : A complete payment history starting from the original creditor, including the dates and amounts of all payments made and any charges added to the account. 

XXXX. **Original Contract** : A copy of the original signed agreement between myself and the original creditor. 

I request that you cease all collection activities until this debt has been properly validated. If you can not provide the requested information, I ask that you remove this debt from your records and cease any further communication regarding this matter. 

Please respond to my request within 30 days of receipt of this letter. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely,
Product: Consumer Loan

I purchased furniture from XXXX in the summer of 2014, I was financed through Lend mark financial. When we purchased the furniture the sales rep advised their was a special promotion were no payments needed to be made until 6 months. I was approved.. Not realizing that this was incorrect information, as statements were being mailed to a wrong address that they had on file. I received a statement from a neighbor which stated I was XXXX months behind. I immediately called the number and explained to the representative, that I was not aware of any past due balance. as the representative at XXXX gave wrong information. The sales rep did not have my correct sale phone number or address correct in the computer, as I did not receive any phone calls or statements. By this time the account was in collections, I explained to the rep that I was currently on bed rest and was only receiving 50 % of my income. She stated I needed to bring account current or account would be charged off. I again tried to explain the situation, to no avail they were not able to help until account was current. I than received a letter stating that there would be court date. I advised that I could not attend due to bed rest. They stated they would send me out paper work to sign and return. I advised when I received the paperwork that I did not agree. I received a judgment on my credit and now they are garnishing my wages 25 %.
Product: Credit card or prepaid card

I made a motel reservation for XX/XX/2019 thru Wyndham XXXX XXXX for a reservation at XXXX, Iowa. I was offered {$50.00} off my room reservation of {$75.00} ( includes taxes ) if I signed up forfor a TOTAL OF {$25.00} which I accepted enrollment in the Wyndham credit card. ( confirmation # XXXX ) Upon checking in at the motel I was told I had to pay FULL PRICE - not the {$25.00} total due which was shown on my confirmation upon enrollment of the credit card. I told the manager I was to get {$50.00} off but he said it did not apply. I don't appreciate this type of scam, dishonest, type of promotion. So I requested Wyndham to PLEASE CANCEL THE CREDIT CARD IMMEDIATELY. XXXX XXXX, Minnesota
Product: Credit card

On XX/XX/XXXX - I called Capital one to find out what I needed to do to change my name and remove my husband from my account, where I am primary card holder, they took information and restricted my account without me knowing about it which caused me to lose over {$500.00} in points. Everyone apologized for and admitted that they made mistakes but i was still out the {$500.00} while I had an outstanding bill in excess of {$900.00}. No one informed me that i was getting a new account or this would casue me to lose the {$500.00} in points. They escaleated it to the highest complaint and said yes, they are aware they forfeited my {$500.00} but there was nothing I could do about it. They admitted they gave me misinformation. They closed my account, left me a {$900.00} bill and took my {$500.00} in points away.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries appearing on my Equifax credit report. These inquiries were made without my authorization and are not connected to any legitimate account or service. As such, they should be removed from my report immediately. I request an investigation into these unauthorized actions and compensation for any potential harm caused. 

Unauthorized Inquiries The following inquiries were unauthorized and/or not connected to any legitimate account or service : XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX Violations and Impact The presence of these inquiries on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can negatively impact my credit score and overall creditworthiness, causing undue stress and potential financial harm. 

Applicable Laws and Regulations 1. 15 USC 1681b - Permissible Purposes of Consumer Reports : Requires that credit inquiries must have a permissible purpose, such as consumer consent or a legitimate business need. These inquiries were made without my authorization or any permissible purpose.

2. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : Allows consumers to request the blocking of information resulting from identity theft, including unauthorized inquiries.

3. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including unauthorized inquiries.