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

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX   XXXX not mine XXXX XXXX  XXXX XXXX XXXX {$180.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am reporting this on my own behalf. Experian, XXXX, and XXXX are reporting incorrect information on my consumer report. 

In accordance to the Fair Credit Reporting Act, 15 US CODE 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) : the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

By law, a creditor may not treat a payment on a credit card account as late for any purpose and since I never gave my express written instructions to furnish this, the late payments on my consumer report are incorrect and have been made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

After chasing down information myself, I discovered through the Equifax website that they might have compromised my personal information in their recent hack. They have yet to give me a definite answer as to whether or not my information was compromised, nor have they provided an avenue toward a resolution. The information in question was not voluntarily given to this company by signing up for their services, but rather collected by Equifax as a facet of their business model. Not protecting this data properly is an enormous violation of the privacy of me and others in my situation who did not choose to explicitly trust this company with our private data.
Product: Debt collection

I paid XXXX directly and by law, they must recall the account from Convergent, which Covergent agrees they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : EXPERIAN : 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 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 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 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: Mortgage

I received an unsolicited loan offer in the mail and noticed a statement at the bottom that appeared ( but did not state so ) to be a consumer warning that offered an opportunity to opt out of unsolicited credit offers. When I called the number, the short message sounded official but I was immediately asked to enter my social security number to proceed. I did not because the recording did not identify who exactly I had called.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to follow up the previous CFPB Complaint I submitted requesting the removal of the fraudulent accoutns and information off of my Credit File. I have read that under the Fair Credit Reporting Act section 605b, As the Credit reporting Agerncies, you are required by Federal Law to remove and deleted any fraudulent accounts and information completely from my Credit File, so please do so. Please remove the following items in accordance with the Fair Credit Reporting Act : 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 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 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 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 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. Please send me copies of proof of verification or any documents bearing my signature to support the claims that the disputed items belong to me. Without these documents, I am requesting that you remove the fraudulent accounts and information off of my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

My credit score went down XXXX points within 30 days in XX/XX/2023  due to Nelnet reporting that I missed a payment which negatively affected my credit score significantly. This was not true. My original first payment date for Nelnet student loan repayment was XX/XX/2023. However at the beginning of XX/XX/2023  I applied for a Extended Standard Repayment plan and Nelnet was taking time to process the change of plans and notified me that my NEW first payment date for repayment will be XX/XX/2023. 

That is when I was notified on XX/XX/2023 that my credit score dropped XXXX points due to the " missed payment '' on my student loans with Nelnet. Nelnet INCORRECTLY reported this to the credit bureau and I would like for this to be amended and my score to be fixed.
Product: Mortgage

Called Suntrust over 10 times including local branches. Wait times over 30 minutes and still only offered forebearance, no loan modification options despite repeated requests. 

Suntrust mainly offering forebearance at this time on the front line. 

I can't get in touch with anyone that can provide any other assistance. I have tried since XX/XX/2020 and have detailed list of each of my calls. 

Please help
Product: Credit card or prepaid card

I have repeatedly tried to log into my BOA account in order to schedule my payment for XXXX. BOA keeps stating they are sending out a numeric password to validate the login and they never send it. I have repeatedly sent in requests today for it to be sent to the e-mail address on file as well as a text to my cell phone number. Nothing is sent. 

I am requesting Bank of America fix their technical problems so I can properly schedule my payment.
Product: Debt collection

In XX/XX/2023, I disputed and submitted complaints in regard to a fraudulent loan debt on my credit report. After providing evidence that my identity had been stolen for almost 10 years and that I was granted a confidential name change, XXXX closed the loan as fraudulent and removed it from my credit report. XXXX had sold the debt to XXXX XXXX XXXX who was also reporting the same debt, this too was removed. 

However, the debt is now being reported again by another company called XXXX XXXX XXXX which is an affiliate of XXXX. After XXXX sent me a letter stating they closed the account and would stop reporting, the debt was then sold to another company that is now reporting it. This is unacceptable and unlawful to report a debt that was documented as closed and fraudulent.
Product: Mortgage

XXXX XXXX I noticed I have money/payments in suspense account. In XXXX I was in XXXX  XXXX and lawyer told me to send payments thru XXXX XXXX. That is what I did. I could this attachment I am sending where there is suspense money in XXXX. I donot understand why I am behind and or in foreclosure. I was told in XXXX I was 41 payments behind I sent that money in XXXX to cover XX/XX/XXXX to XX/XX/XXXX I want my money back and find out why am I in foreclosure. 

Acct XXXX Acct XXXX
Product: Debt collection

XX/XX/XXXX without any prior notice to me the collection agency reported to all three credit bureaus I owe for a medical bill that was paid or shouldve been paid by workers compensation furthermore I never received any notices from the debt collection agency I learned of this debt XX/XX/XXXX when I reviewed my credit report and noticed my credit score decreased
Product: Checking or savings account

Hello my name is XXXX XXXX i deposited government checks for my aunt she was in a homeless shelter in XXXX they gave her XXXX for a years of rent the checks are made payable both to her and her landlord wich renigged on the apartment she was able to find a new place they gave us the first XXXX now refusing to give us the other XXXX she needs these funds for her new landlord and to show human resource administration the reciepts for her new place her account will not close till this money is released its been almost a month of them holding federal funds i bank with bank of america they frooze my account the funds are cleared and just sitting what can we do it is hard for my aunt to go back XXXX please help
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX an inquiry was done and I did not request an inquiry by said company. per the credit reporting agency I was told to contact the company which I did when I found inquiry was on my report. I faxed a letter to request deletion of inquiry which they responded with inquiry would be deleted by credit bureau. I then reached out to credit bureau and requested to have inquiry removed and offered to fax in and they told me there was no need to fax in document but it would be removed and inquiry is still showing on my report. I would like my report to be updated with removal. The inquiry is showing up on my XXXX report. I also contacted Transunion concerning a inquiry for XXXX XXXX that was not mine and requested to have removed due to its not mine and its about to fall off in XXXX, I contacted company as well which stated since I was not aware they could not give me a letter as the other creditor had. they told me to contact the credit agency. the XXXX XXXX inquiry is  due to fall off XXXX/XXXX/XXXX. alsXXXX XXXX XXXX is showing twice and should only be showing once. I requested for that to be corrected and was told that was not able to be corrected. I only applied for credit with company and the XXXX  inquiry is not correct
Product: Debt collection

XX/XX/XXXX : Company is XXXX number is XXXX extension XXXX XXXX XXXX XXXX XXXX I received a call from arbitration at XXXX which said they were a law firm who were sold a debt from XXXX, that I had to pay a debt from XXXX. I did not sign up for a payday loan in XXXX, or ever, and when I said that she said they have proof but would not say what the proof was. I asked for whether the documents were ever sent in email or in the mail and they said they were, but I had no mail or emails from them. She said it would come from XXXX and that was never received. Said we could pay the {$460.00} immediately over the phone to settle the arbitration. I gave them my credit card information and they sent over a docusign, which seemed fake. I called XXXX ( at the number she provided me which matched the one on XXXX ) and spoke with someone who said they never had me as a customer now or ever. I called the XXXX number back and she said that while they didnt have a record of it, its just because they sold all the information to them. I called XXXX back and spoke with a XXXX who said this not true and confirmed ( again ) that I never had a loan from them. I called XXXX XXXX at XXXX back and she once again threatened me if I didnt pay it/sign the XXXX. I asked for all the documents sent to my home and she said that the Attorney General had already signed off that she can garnish my wages. I told her to take me to court then and hung up. XXXX XXXX at XXXX also called my employer and my brother to ask for me, so this is potential harassment.
Product: Credit card or prepaid card

Hello, ChAse has a promotion on all there ink cards. Online it is stayted everybody with those cards will be able to participate, no registration needed. Now after spending the required amount Chase refuses to award those extra points. Now chase argument is that my account is not targeted. In this case chase should do a promotion with registration and dont mislead the public. I reached the first tree hold and stoped spending after I run into the problem. After several inquiries with case I am not getting this issue resolved. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Login into my credit report, with the intentions of reviewing. I need to finance a place to live. Noticed that the accounts are reporting in a suspicious and confusing way. 

XXXX ) XXXX XX/XX/XXXX Oddly reporting {$0.00} balance then Paid. Sent letter-No response. 

XXXX ) XXXX- XXXX amount questionable. Never received a response to discuss. 

XXXX ) XXXX- seems to be a duplicate account. reporting the same questionable amount as XXXX. No recollection of ever doing business with them. 
XXXX ) XXXX XXXX had look them up to find out information. Amounts they claim i own don't make any sense. Credit limit is both XXXX and claim XXXX owed also. 

XXXX ) XXXX XXXX has never been a consumer friendly bank. XXXX has run out and they were paid in full, still they report to destroy my credit. I need this removed quickly. Note : XXXX  XXXX is reporting a duplicate account they claim was opened XXXX. Still XXXX is in play. need both removed. 

XXXX ) XXXX- another account never opened, amounts are XXXX because there was never an amount. this is reporting In Active Account/Closed due to inactivity just as i stated never open by me.
Product: Credit reporting

Since the FTC Fair Credit Reporting Act attempts to prevent consumer 'Discovery ' by requiring that 3rd Party entities ( such as Collection Agencies ) contact consumers about a reporting action before submitting it, I submitted a request on XXXX/XXXX/16 via Equifax 's Online Dispute process to have a ( {$27.00} ) XXXX reporting entry removed. 

Although I informed Equifax that I was never contacted by the provider XXXX XXXX XXXX XXXX XXXX about the matter, it 's now been over 45 days and the company is yet to remove the entry as requested.
Product: Credit reporting or other personal consumer reports

XXXX Date CFPB received the complaint XX/XX/year>2024 Consumers state IL Consumers zip XXXX Submitted via Web Did consumer dispute the response? 
N/A Product Credit reporting or other personal consumer reports Sub-product : Credit reporting Issue Incorrect information on your report Sub-issue : Information is missing that should be on the report Consumer consent to publish narrative Consent provided Consumer complaint narrative Im very devastated that i have paid off a { {$23000.00} } dollar car loan with only 7 % left to pay and NOT XXXX credit burial has given me any points on my credit report. XXXX has never given me any credit points for a 100 % flawless car payment. and XXXX and XXXX has never even reported it on my credit file. it's like im the most XXXX at XXXX because everyone get points for having 100 % payment history and i did not receive any score points or boost I want the XXXX points i should have that i have paid off this loan up to 7 % please treat me fair and considering i just beat XXXX XXXX XXXX XXXX and i still never missed a car payment and never been late. I have checked around and i know i should have XXXX points for this
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX OF Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX CNTRY OF Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Data breach XXXX  compensation per violation immediate payment check sent to XXXX XXXX XXXX san franciaco.I recieved an email confirmation that my information was compromised in the data leak. I have never gave permission or consent to any agency to report on my behalf. Immediately remove all negative items! have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major Credit Agencies XXXX, and others I have submitted metro 2 letters of challenge and compliance with no response for months now. I just sent out last week round 3 of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round 1 letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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. 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, other than the records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inac
curate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX XXXX and Equifax XXXX XXXX is no longer in operation Original Creditor : Station at XXXX XXXX Debt Collector : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} XX/XX/XXXX : My most recent dispute for the account above I am disputing a debt collection attempt from XXXX XXXX XXXXXXXX regarding a debt originally owed to XXXX XXXX XXXX XXXX XXXX which is no longer in operation. The apartment complex associated with this debt has permanently closed, and the debt collector has failed to provide any proof that I owe this debt. Despite my requests, I have not received any documentation, such as a forward flow agreement, purchase agreement, or a detailed ledger, to validate the amount being claimed. Additionally, XXXX did not properly investigate my dispute, which is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that this debt be removed from my credit report and that all collection efforts cease until proper validation is provided, as required by the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

XXXX XXXX [ XXXX XXXX XXXX XXXX ] [ XXXX, WI, XXXX ] [ XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against XXXX for Improper Investigation of Disputed Items Dear CFPB Team, I am writing to file a formal complaint against XXXX for failing to conduct a proper investigation of a dispute I submitted regarding inaccuracies on my credit report. Despite my efforts to address this issue directly with XXXX, they failed to comply with the standards outlined in the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : XXXX Credit Bureau Involved XXXX XXXX XXXX. Disputed Items : [ Midland Credit Managem, Account Number XXXX, XXXX. Dispute Submission XXXX XXXX. Response Received : XXXX verified the accounts without providing evidence of an adequate investigation. 
XXXX. Improper Action by XXXX : Failed to investigate the disputed items thoroughly. 
Did not provide sufficient documentation or proof to support their findings. 
Ignored or dismissed the evidence I provided. 

I provided XXXX with detailed documentation, including [ list any evidence provided, such as proof of payment, identity theft reports, or correspondence with creditors ], but they failed to address or acknowledge this information during the investigation. 

Violation of the FCRA : Under the FCRA, credit reporting agencies are required to : Conduct a reasonable investigation of disputed items ( Section 611 ). 
Ensure the accuracy of consumer credit information. 
Respond with clear and actionable results of the investigation. 

XXXX failure to meet these obligations has negatively impacted my credit report and caused undue stress. 

Requested Resolution : I am seeking the CFPBs assistance to ensure XXXX : XXXX. Conducts a proper and thorough investigation of the disputed items. 
XXXX. Provides documentation to support the results of their investigation. 
XXXX. Removes the inaccurate information from my credit report if it can not be verified. 

I have attached copies of all relevant documentation for your review, including : My initial dispute letter to XXXX. 
XXXX response ( if provided ). 
Supporting evidence I submitted with my dispute. 

Thank you for your attention to this matter. I trust the CFPB will assist in holding XXXX accountable for their failure to comply with their legal obligations under the FCRA. 

Sincerely, XXXX XXXX