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

The Comments in the REMARKS Section Placed by XXXX XXXX on my Credit Report are Wrong and Inaccurate and Need to Be Removed. 
Please Remove : PAYMENT MADE AFTER CHARGE OFF/COLLECTIONS PAID PROFIT AND LOSS. 
1. My Acct WAS NOT CHARGED OFF OR SENT TO COLLECTIONS. PAID PROFIT AND LOSS.

2. I AM ACCUSING XXXX XXXX OF DELIBERATELY AND PURPOSELY GIVING ME WRONG/INCORRECT INFORMATION ON OUR RECORDED PHONE CONVERSATION ON XX/XX/XXXX. 
I WAS TOLD BY 2 EMPLOYEES THE COMMENTS ON THE REMARKS SECTION OF MY CREDIT REPORT WILL BE REMOVED BECAUSE MY ACCT HAD NOT YET BEEN CHARGED OFF. 
3. PLEASE REMOVE ALL COMMENTS IN REMARKS SECTION. 
4. PLEASE LISTEN TO VOICE RECORDING OF CONVERSATION ON XX/XX/XXXX. 

THANK YOU
Product: Consumer Loan

I have recently purchased a new vehicle from XXXX. The loan was financed through Exeter Finance Corp on XXXX/XXXX/2016, and they starting blowing up my phone today XXXX/XXXX/2016. When I say blow up my phone I mean XXXX phone calls within a 3 hour span, and 4 of those calls were within 12 minutes. I was in a Managers meeting with my job, so the phone was on silent, and they avoided leaving a voicemail. So once the meeting was over I called the number to see who was calling me, and it was Exeter Finance Corp. I just signed my loan less then a week ago and my payment wo n't be due until XXXX XXXX 2016. So why would they need to call me that many times in one day? I feel as if this is a huge form of harassment, being employed by a finance company myself I know what is illegal. Just got another phone call at XXXX after I already called them to notify them that I did n't want phone calls. They did n't ask me for my number when I called in, but they have caller ID as well as number notifications when calls come in.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Someone made fraudulent charges on my XXXXXXXX XXXX and i called in to let them know of those charges. They have proof that whoever did it used a different email from mind and they still haven't cleared my account. They are reporting the card late and destroying my credit!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 3 credit bureaus on XXXX XXXX, 2023 updating my personal information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.
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 XXXX hours stating that the account is accurate, without 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12.U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure that Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I received a bill from XX/XX/2021, from XXXX, XXXX XXXX XXXX. The bill says I owe {$1200.00}, for an unpaid " XXXX XXXX ', filling. I contacted them last XXXX, after receiving the XXXX XXXX XXXX bill, letting them know Ive never had a XXXX XXXX file. That they needed to file it properly under my fully covered, XXXX, that I had then and have still, now. The girl I spoke with said she would re-file it, but instead, Im receiving a collection bill from Frost-Arnett .
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and 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 personal credit card account opened at XXXX XXXX  ACCOUNT # XXXX, open date XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card or prepaid card

When we were looking to start using credit cards to help build our credit we contacted USAA to see what options they had. The rep we spoke with told us our best option was their secured credit card. The benefit was after 2 years of payments we would be moved to an unsecured card and our deposit would be returned to us. We chose to do this since we really wanted to build credit. We had to call today to say we didn't want our deposit to roll into a CD and we wanted to withdraw it and to ask how the procedure was moving forward. ( Did we need new cards or anything else that we needed to do since our 2 years was up. ) The woman on the phone said we don't do secured cards anymore so you'll have to reapply ( dinging our credit again ) if we chose to withdraw our money. I asked her if she was really telling me that after we had done everything that was asked of us USAA was not going to follow thru on end of our contract. She put us on hold for quite awhile while she spoke with another department and came back. She had no explanation except that we had to reapply. I again asked the same question and she started beating around the bush so I stopped her and said it's a yes or no question and she no they would not be honoring the terms of the agreement. I advised that it would be in her best interest to get me a supervisor. Guess what, no supervisors were available and no one in ERT ( whatever that is ) was available either. She said she was putting in for an emergency call back from a supervisor. I said they will call today, correct? The CD will renew tomorrow and the decision has to be made today. She said she making it urgent. I again said they will call today correct. She said I am hanging up to get someone right now. It is now 2 hours later and no phone call and they are closed. No call. Not surprised. USAA has gone downhill since their new CEO has taken over. We are XXXX XXXX XXXX and can not go thru having our credit dinged more than it already is getting dinged right now by the federal government and banks to help out in the shut down. We chose USAA because of the program that they described to us and we did what was asked of us. They should be following thru and doing their part now that the 2 years are up. We have seen them break federal and state laws when it comes to insurance and have moved our insurance from them and now we see they think they are above the law in banking also. We hope that you will help us to let them know they are not.
Product: Credit reporting or other personal consumer reports

the reporting of my personal information on my credit report in connection with the account provided by [ XXXX XXXX XXXX XXXX ]. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and documentation regarding the permission granted for the sharing of my personal non-public information ( OPT-IN ). 

It is my understanding that, as per GLBA regulations, an " initial notice '' must be provided at the time the customer relationship is established. I am requesting the following documents to verify and validate the legitimacy of the sharing of my personal information : XXXX. A copy of the " initial notice '' provided to me at the establishment of the customer relationship, outlining the terms under which my personal information may be shared. 

XXXX. Written contracts and agreements between myself and the data furnisher that explicitly grant permission to share my personal non-public information. 

XXXX. Any documents that bear my signature, confirming my explicit consent ( OPT-IN ) for the sharing of personal information. 

According to GLBA regulations, the furnisher can only validate the sharing of my information if a written contract with my signature is in place. Additionally, it is imperative to adhere to the requirement that private non-public information should not be sold for marketing purposes without explicit permission. 

If the requested documents can not be provided, are not found, or do not exist, I assert that the information in the profile is NULL and VOID, as it does not comply with the necessary legal requirements. 

I kindly request that you provide the requested documentation within timely manner of 30 days of the receipt of this letter. Failure to do so may result in my filing a complaint with regulatory authorities and pursuing legal action to rectify any inaccuracies in the reporting of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Experian 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. 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion violated a XXXX  law enforcement order. The order was issued to stop the company from engaging in deceptive marketing, regarding its credit scores and other credit-related products. After the order went into effect, TransUnion continued its unlawful behavior, disregarded the orders requirements, and continued employing deceitful digital dark patterns to profit from customers. TransUnion violated additional financial protection laws against me with the following accounts .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Between XXXX I banked with Wells Fargo and can recall tines I was charged overdraft fees when monies were available or the order the items were withdrew cause multiple fees.
Product: Credit card or prepaid card

This is a complaint to Citibank regarding my payment on XX/XX/XXXX, paying off my balance in full and receiving confirmation in that regard.
On XX/XX/XXXX, I called Citibank regarding payments I had made previous to XX/XX/XXXX that Citibank had reversed. I have still yet to see the ACH reversal codes in this regard as I have requested via fax. On that particular phone call, I spoke with a representative in the payments investigatory department or equivalent named " XXXX '' about this issue as the previous representative was unable to assist me.
XXXX agreed to submit my payment over the phone from my financial institution in the form of a check draft or direct ACH payment. This was performed at approximately XXXX XXXX You can pull the recorded call to review that conversation.
On XX/XX/XXXX, four days later, I spoke online via secure chat with a representative " XXXX '' inquiring about why my balance was at XXXX, as well as the payment due section ( {$0.00} due ), but my available credit was not yet showing up at {$1000.00} where it should. I have copied this conversation to a Word document and will attach it to the appropriate section of this submission.
In this chat, I was clearly informed my payment to Citibank in the amount of {$990.00} has been cleared and received by Citibank, paying off the account balance in full. I specifically asked if Citibank has been paid this said amount and was told ( see the chat transcript ) " Yes, XXXX '', that they have been paid this amount.
This behavior is unacceptable. If I am told my payment has been received, Citibank has been paid, and effectively my account is paid in full, that is what I expect just as any other Citibank account holder would expect. I am demanding an explanation as to why I was lied to in this regard, and when my account balance will show as paid as I was previously informed.
Product: Credit card

In XX/XX/year>, I received a letter from XXXX XXXX XXXXXXXX XXXX XXXX that there was an amount of {$1300.00} unpaid on a Discover credit card ending in XXXX. I have never applied for or opened an account with Discover. I have also never received a card, monthly statements, or any other communication about this account from Discover. This account is fraudulent and I never opened it. I communicated back to XXXX XXXX XXXX  that I did not own this card. 

Then, in XX/XX/year>, I received a letter from Discover saying they are reporting this account to Consumer Reporting Agencies as a disputed account. I called Discover on XX/XX/year> and filed a fraud report with Discover, and have filed disputes with XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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

I was a victim of a data breech by credit companies years ago and was offered to have my scores frozen because of the data breech and identity theft. TransUnion has suspended my account and won't allow me to reset my username and password because of " too many attempts. '' It is XXXX near impossible to talk to a person on TransUnion - there is a menu that screens you before allowing you to talk to a representative and that cuts me off before I have the option. I have tried repeatedly. 

This comes up every time we try to get a mortgage loan or deal with a mortgage loan- they always ask for all three scores and I can't get access to TransUnion. 

Their site is circular, to get a reset you have to have current information, yet it tells me my current information is not correct an blocks me out. There appears to be no way to actually access a person to clean the mess up, but it has no problem blocking me from all access. The other two credit companies don't do this. TransUnion is really awful to deal with and in this case, holding our lives XXXX.
Product: Student loan

I am unable to afford my student loan payments and they are past due. They should be in deferment due to the XXXX XXXX XXXX suit I am a member of however they were removed from deferment. I have tried to call MOHELA and they don not answer and instead leave you on hold for 45-60 minutes until I give up and hang up. I have requested a call back through their system when it is offered and have not received a call back. I have emailed them with my concerns and they ignored my concern while telling me to call the same number they do not answer. I have reached out to the Department of Education and they instructed me to contact my loan servicer which puts me back to the initial starting point. Im struggle and asking for help to address these and no one will help.
Product: Debt collection

In XX/XX/XXXX I was In the process of getting a pre-approval for a home loan when the mortgage company informed me that there were several items on my credit report that were large dept amounts owed. I then told the loan officer to go over information with me so I may contact the creditors. To my surprise these were 4 apartments that were delinquent in the state of Ga. XX/XX/XXXX-XX/XX/XXXX and I lived in Fl. I immediately filed a police report and was advised to put a credit freeze through all the major credit bureaus. I followed up by sending proof of identity to the creditors and the credit bureaus to try and get this resolved quickly. I was able to get all of the apartments removed. However, I was contact recently by an attorney office ( Brett Boarland ) that represents The XXXX at XXXX XXXX in XXXX Ga. I contacted both immediately to get to the bottom of it. The law office told me that they were advised by their client to collect dept of almost {$5000.00} because they have my proof of employment listed as working at the XXXX XXXX in Ga. I have never worked there! 
I have already included in my letter of notice to furnisher proof of identity, proof of address, proof of employment for the past 2 years and I am still being harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 on my Credit Report the account AARGON AGENCY INC was added to my transunion and there is no evidence or record with that agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and are negatively impacting my credit score. I have reviewed my credit report and found several errors that need to be corrected immediately. 

Firstly, there are two XXXX XXXX bankruptcies listed under my name, with case numbers XXXX and XXXX. However, these bankruptcies were dismissed and should have been removed from my credit report. Other credit bureaus have already removed these accounts, but they are still being reported on my report. I request that you remove these bankruptcies from my credit report as soon as possible. 

Furthermore, there are several credit inquiries on my report that I do not recognize and did not authorize. The cases with no case numbers, as well as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX have no relation to me, and I demand that they be removed from my credit report. 

Additionally, there are two accounts on my credit report that are listed as having a payment history but are actually charge-offs. These accounts are XXXXXXXX XXXX with account number XXXX and XXXX with account number XXXX. These accounts need to be deleted immediately from my credit report. 

I request that you investigate these errors and make the necessary corrections to my credit report. I would appreciate a prompt response and confirmation of the actions taken to correct these inaccuracies. 

Thank you for your assistance in this matter. 

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

I have sent multiple disputes to XXXX about excessive unauthorized inquiries on my report which is a clear violation of Fcra regulations and XXXX sent the response that companies do not need my permission to run my credit which is not true the Fcra says if creditors do not have my permission they are unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached below are additional documents which show the letters I will be mailing out to collectors because they failed to validate my debt within a 30 day frame. I mailed letters to them on XX/XX/XXXX and have yet to hear anything regarding validation.
Product: Debt collection

Good afternoon, I received a letter from NCB Management about 3 months ago informing me my information was compromised in a data breach. The letter stated my information was compromised, however did not explain how, why or what measures will be taken to prevent a future breach. I called XX/XX/2023 and spoke with supervisor XXXX and asked for a new letter due to receiving a couple pay cards I did not apply for. I lost the original. She refused to send me a new letter stating they were sent out by vendors and I could not have a new one.