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

I presently pay XXXX XXXX for credit protection. I check with them periodically to make sure that my Fraud Alert is still in effect. I asked them for a 7 year Fraud Alert on my account in 2016. Just recently when I applied to get a XXXX cable account, I found that my Fraud Alert was not in effect, and that Experian gave out credit information on my account. I was informed by XXXX XXXX that when I ask for a Fraud Alert that they inform the other XXXX companies of my request. When I followed up with Experian I found that this is not so.The other companies are not informed of my Fraud Alert and I have to do this individually with each company. I was able to put on a 90 day Fraud Alert over the phone with Experian. But had to re-activate the 7 year Fraud Alert with XXXX XXXX once again, even though I was informed by XXXX XXXX that it was in place in 2016. Furthermore, I wanted to update my telephone number. I had changed my home phone number to a new one. I could not do this with XXXX XXXX over the phone. One of the three questions that were asked did not pertain to me so they decided that I had FAILED the test, and would not change my phone number. The agents all in XXXX were rude and very unaccommodating. I could not believe their treatment of me in both of the Fraud Alert sections in Experian and in XXXX XXXX. To date, I have been asked to submit ( 2 ) proofs of identity, a current bill with my address on it and a cover letter informing them that I have changed my home telephone number. Experian and XXXX XXXX have asked for all of the above, yet Experian went ahead and released my credit information to XXXX in any case. I believe the system of the XXXX credit companies to be very confusing to the consumer and far from uniform. Each company works independently and not interdependently as the consumer as led to believe. Also, the fact that you are speaking with representatives who are all in XXXX makes it difficult for the consumer to understand them clearly. In addition, the questions asked of the consumer in order to be able to change information over the telephone in most cases are inaccurate and not applicable in my case.
Product: Student loan

My student loan servicer is Nelnet. I applied for SAVE plan and was approved. It shows I am on the SAVE plan for all of my student loans. My monthly payment is now {$0.00}. However, I am still accruing interest on my student loans. This interest amount was around {$1000.00} last month, and now {$2400.00} this month, which is not correct according to the SAVE plan. I called Nelnet. The Nelnet " advisor '' on the phone said that Nelnet doesn't decide if my interest plan is forgiven or when it is forgiven, the government does. However, according to the SAVE plan, which the Nelnet website states I am on, my interest should be a much lesser amount. The person over the phone said I just need to get the interest below {$2000.00} but I don't need to pay the full interest before it starts to go to principal. This does not make any sense to me. She said she did not know the exact amount of money I would have to pay in order for it to start going to interest, but it didn't have to be the full interest balance and kept saying it just needs to be below {$2000.00}. I asked if that meant I got my interest down to {$1900.00} then would any other payments go to principal since that's what she was telling me. She hung up on me! Nelnet also has no way to provide feedback on the call since in order to do so I was supposed to stay on the call, but she hung up. The call was less than 10minutes, some of which was taken up by me confirming my information. I have no way of paying my full interest, which is supposed to be lower according to SAVE, and I want to begin paying my principal with what little I have. I have no way to get information from SAVE about student loan interest forgiveness and mine keeps accruing. 
I have no way of complaining to Nelnet. They actively discourage you from emailing them, the email form requires several clicks to get to on their contact form, and they say their email volume is high. If it is high, they need to hire more people.
Product: Debt collection

I have a XXXX XXXX XXXX account that is past the 7 year statute of limitations to report on my XXXX credit file. Midland credit management, the company which bought the debt, has re-aged the account to increase the time the can try and collect on the debt. Re-aging is not allowed under the FCRA and is a violation of my consumer rights. XXXX closed the account in XXXX and it was XXXX delinquent in XXXX of XXXX. The XXXX delinquency is the only date and standard for the 7 year reportable status. Based on this information, provided by XXXX XXXX XXXX, this debt is no longer reportable on my credit file yet MIdland is trying to report the first major delinquency as XXXX. This would be impossible as the XXXX account was closed in XXXX. A simple internet search will show, while Midland claims otherwise, that Midland has a poor track record of adhering to FCRA guidelines and has been subject to XXXX in fines. Their questionable collection tactics have continually violated consumers rights to maximize their profit. I Have filed complaints with the XXXX, CFPB, and California Attorney Generals 's office, yet Midland asserts that they do not re-age accounts. It only takes XXXX look at my documents provided by XXXX and XXXX to see that this statement is false and Midland has violated my consumer rights.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts in my report. Please remove these fraudulent accounts.
Product: Debt collection

I was unaware that Freedom Mortgage bought my home loan until I received notification from my bank that my credit score dropped 167 points. Once I contacted my original lender they informed me of Freedom Mortgage. I contacted Freedom, paid my outstanding bill in full immediately and was told that I could dispute the negative credit reporting. They said they would call me. They never did. I called again and they told me that I was responsible and that the credit dispute would not be resolved. Because of their lack of contact ( even when they had my information from my previous lender ) my credit score dropped 167 points. This company has been found guilty of misreporting and has been previously fined by Consumer Finance.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 way over 90 days ago and I have not received no investigation results, I am being totally ignored and treated with no respect of my rights, concerning illegal reporting activities from the bureaus. I sent certified return receipt dispute letters out to XXXX XXXX  and Transunion regarding personal incorrect personal information and another inaccurate account listing as a repossession on my credit report. It is in Violation of The Fair Debt Collection Practice Act section 807 violation misleading and false reporting, this account is inaccurate and I am seeking litigation with proof of the letters I sent out and demand it be removed from my credit report at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the law, 15 u.s.c 1681a ( 2 ) ( B ), I believe Experian has violated my rights by furnishing consumer credit transactions in my consumer report without my approval.

I have sent written request for Experian to remove the following accounts from my report : 1. XXXX  XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX Experian has not honored my request and I demand that they removed the above accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted information to all equifax about 3 bankruptcys on my report that were removed months ago and now have been readded as of today XX/XX/2018 there was no written notification again which i did not recieve! There is nothing on my account that ties these bankruptcies to me and they were deleted by Equifax, i was only able to find proof of 2 but all 3 were deleted!! Bankruptcy # XXXX, # XXXX, # XXXX. I would like for these to be deleted as soon as possible and a new credit report sent to me as soon as possible. This is very stressful and very woresum for me!! I'm in the middle of purchasing and for this to be added back to my account and they were deleted can cause all kind of problems! How am I able to trust a bureau with my important information. I worked hard for my credit and Equifax need to be more careful about what they are doing and how they are handling my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I contracted with XXXX XXXX XXXX to purchase a new home in XX/XX/2018. Our credit was verified at that time. The house was not started until XX/XX/2018. Our credit was run again by the builders mortgage company again in XXXX prior to the start of the home. I advised them that there was no need to run the inquiry because the home was not started and the existing report was good for 4 months. The home is still not finished and they are now going to have to run our credit once again. I have asked that they remove the inquiry, however, they stated they did not know how to do this and advised I would have to handle. The lender admitted to me that she made an error by checking our credit prematurely. We are asking for help in having this inquiry removed from both my wife and my credit report.
Product: Credit card or prepaid card

Same scenario as my last complaint. All evidence attached. 

I used my reward points to redeem a flight. The full amount was charged to my credit card without the corresponding credit related to the points. My card was charged for the entire amount {$780.00} USD, no statement credit was issued. 

I contacted the customer service via the phone where they said there was a glitch in the system and the back office team would make the fix. ( CASE ID XXXX ). 

I contacted them again for a follow up and the agent could not locate the case and advise I called again at another time where the rewards team would be able to assist ( the work on limited hours only ). 

I have used this benefit twice only and both times the same " glitch '' in the system.
Product: Debt collection

I have never received any documentation or any type of response from XXXX XXXX XXXX. I have no clue as to who this company is. I checked my credit report and sawthat they were trying to collect a debt from XXXX in the amount of {$320.00}. I have never received anything from XXXX and I previous was disputing that matter. The account for XXXX XXXX shows that it was open on XXXX XXXX, 2017. As of today, I have received no correspondence from them.
Product: Student loan

On XXXX/XXXX/XXXX, I received a phone call from someone claiming to be a representative from Navient corporation. The representative 's name was XXXX XXXX. 

The call came to my mothers home phone number. I asked the representative how she got this phone number. She told me I gave it to them. I told her that this was not true. The only phone number under my account that navient is authorized to call is my cell phone number. I have deleted all other numbers from my online account, and as of XXXX XXXX I had all other phone numbers removed from my account. I have explicitly told several Navient representatives, including most recently my " account representative '' XXXX XXXX, that the only number I can be reached at is my cell phone number. 

The representative told me she was calling me regarding a complaint, and wanted to verify my information. Again, I told the representative the only contact information I have provided regarding a complaint with Navient is my cell phone number. The representative asked me to verify some information before she could speak to me about the complaint. I asked her which complaint she was calling about, as there are XXXX complaints filed against them, not including this one. The representative refused to tell me until I verified my Social Security number and other information. I told her I would not give her any personal information until she verified what complaint she was calling about. The representative continued to argue with me, and I told her I would file another complaint about her behavior. The representative told me to file as many complaints as I wished. When I refused to verify my information until she told me what complaint she was calling about, she hung up the phone. The only reason I asked this is because navient contacted me on my mothers home phone rather than my cell as I provided.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer | Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Complaint Against Equifax for Improper Use of Credit Report Dear Sir/Madam, I am writing to formally file a complaint against Equifax for the improper handling of my credit report, which has occurred for the second time. Equifax has unjustly closed my positive credit card account XXXXXXXX XXXX that I have maintained for over a year. This has significantly impacted my creditworthiness and causing undue stress. 

This action has not only affected my credit score but has also triggered my XXXX XXXX XXXX XXXX, further exacerbating my XXXX XXXX challenges. As a consumer, I expect credit reporting agencies to manage my information accurately and fairly, and Equifaxs actions have violated that expectation. 

It is important to note that my credit card account is reported to all three major credit bureaus, and my account with XXXX, XXXX remains unaffected. The discrepancies in reporting and the closing of my account by Equifax are unacceptable. I urge the CFPB to review the dates and the circumstances surrounding this issue. 

I request that the CFPB hold Equifax accountable for their actions and compel them to restore my closed account and rectify my credit report. I believe that restoring my account will not only improve my credit score but also alleviate the mental distress caused by this situation. 

Thank you for your attention to this critical matter. I look forward to your prompt response and action on this issue. 

Sincerely, The same account was reported to XXXX on the XX/XX/XXXX so when it got reported to Equifax on XX/XX/XXXX they closed it. Also on XXXX XXXX they removed it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two certified letters to XXXX XXXX, a company that is reporting to the credit bureaus. The first letter of dispute was sent on XX/XX/XXXX and was received in their office onXX/XX/XXXX at XXXX. They never replied with any proof of my obligation to pay what they are reporting. The second letter of dispute and request for verification was sent certified on XX/XX/XXXX and was received in their office on XX/XX/XXXXat XXXX. They never sent me anything in return. My 3rd attempt to clear this up was sending a certified letter to the credit bureaus which I did on XX/XX/XXXX. It was received by experian on XX/XX/XXXX at XXXX and they have already sent me an email stating the information was verified. I called today and asked for the documentation that proved the information was correct and they said they dont have that information only that it was verified. The burden of proof is on the credit bureaus not the consumer. They are reporting without even responding to my letters and the credit bureaus dont even verify real documents, real proof.
Product: Credit card or prepaid card

XX/XX/2020, I scheduled a XXXX  ( XXXX  XXXX ) with a Dr in XXXX. When I started the contractual procedure the rep XXXX XXXX XXXX stated she would need a XXXX deposit, and then I would apply for credit to cover the remainder. The credit card company they use is XXXX. I authorized XXXX deposit to be withdrawn from my bank. I then proceeded to apply for credit. I was approved and they took the balance from the card the next day or so. My actual XXXX was not until XX/XX/2020. When it came time for the XXXX, they were requiring me to get additional services. Previously the XXXX center was running a promotion for the exact service XXXX XXXX XXXX XXXX, I asked to have it added to my services, I was told by another rep that they would have my coordinator add it. When I was getting ready to for the trip, I was then told I had to add this service for an additional XXXX dollars. I explained to XXXX that I thought it had been added already. She stated that once your contract is made it can not be changed. I then explained to her that by her requiring this additional procedure that she is changing modifying/changing my contract. She got upset and said that I either have it or don't have the procedure done. I then canceled my procedure due to them amending my contract without prior approval and without proper notification. They then charged CC XXXX deposit. I have disputed it over and over. I feel like I don't owe the deposit, due to contract modification with approval nor timely acknowledgment.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

According to Equifax 's website, my personal data including ssn, dob, etc was part of the data impacted by their security breach. This puts me at great risk for identity theft, to the point that it 's likely to happen. 

I ca n't understand why they are storing all my personal data unencrypted, it makes no sense and seems like pure neglect at best. I 'm quite worried not only for my credit score, but someone could commit crimes with my stolen identity, considering they have access to all my data including SSN.
Product: Debt collection

I have requested validation { not Verification } of an item reported to XXXX by CACi. I have received a response that clearly violates my rights according to HIPAA. 
CACi did not provide me with a HIPAA release sign release form that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days I have not received a response yet. I feel like I'm being taken advantage of and being ignored with my disputes. Section 611 [ a ], it plainly states that the failure to investigate these days within 30 days gives a reason to immediately remove these items from my credit report it has been over 45 days today so they should be the immediately deleted. I demand these accounts be deleted or I will file litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and maybe got into the wrong hands.