23daVinci/CFPB_Complaints huggingface dataset:
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. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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 XXXXXXXX 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: Debt collection

I have a ambulance debt to pay of XXXX which i agree is my debt and i just payed XXXX towards it today XX/XX/22 which should leave me only XXXX to go but this agency is charging me a extra XXXX for public agent fee which brings total for this debt to XXXX which is not on the contract and they told me i would still have to pay this extra fee to have debt paid in full. 
The supervisor i talk to and told she can not charge me the extra fee said yes she can even though it is against federal law of extra charges and was not in contract and i did not sign any papers at all due to a ulcer burst and was not awake at time.
Product: Student loan

Sallie Mae continues to call me at my place of employment. I work at XXXX and they have called over 4 times and have been asked to stop numerous times. They were asked to take the number off the list and continue to call threatning my job!
Product: Debt collection

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

Called in XX/XX/2022 to make a payment received confirmation number from rep of paid amount, payment didn't go through because of the representative mishap. never was informed of this until payment was marked as late and reported to credit score
Product: Credit reporting or other personal consumer reports

None of your choices were the correct choices per my problem. My problem is that Equifax dropped my score by XXXX points from XX/XX/2023 to XX/XX/2023, and per their own information that I have included on the attached document, the only change was that my credit card went from {$0.00} to {$150.00}. That is only using 13 % of the credit utilization for that card. It seems to me that has to be a mistake. Equifax does not give you any way to make a dispute with them online so I am going through CFPB instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file a complaint against Equifax for reporting incorrect information on my credit report. I paid off two negative accounts on my credit report XX/XX/XXXX and they were removed from my credit on XX/XX/XXXX. Then Equifax added them back on my credit report on XX/XX/XXXX as unpaid. I have disputed this numerous times and it has still not been resolved. I have the documentation from the credit reporting agency stating that these accounts were paid off in full and they still want remove them. I have also contacted XXXX directly to have them send another deletion letter to Equifax.
Product: Debt collection

I was enlisted in the XXXX in XXXX, someone put my name on an apartment lease in XXXX. The original creditor shows no rental history for me, I sent that verification along with the verification that I was XXXX at the time this " lease '' that nobody has a record of was initiated. Yet the collector still will not remove it from my credit and this is keeping me from renting an apartment.
Product: Payday loan, title loan, or personal loan

Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX XXXX : DXXXX XXXX XXXX XXXX  : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX, was denied an extension of credit by Navy Federal Credit Union XXXX On XX/XX/2022, I applied for the Cash Rewards Visa. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Navy Federal Credit Union has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. Navy Federal Credit Union should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the credit reporting agencies ( XXXX, XXXX, XXXX  ) except XXXX have removed a student loan that was full of fraud until it was finally approved for XXXX Discharge in 2013 and closed. XXXX refuses to delete or remove the loan. They also continue to re-post a phone number disconnected 3 years ago.

How can I get XXXX to remove the student loan, an old disconnected phone number, and old addresses? All of the other credit reporting agencies have done this voluntarily.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion of Accounts Due to Inaccuracies FCRA Section 605B Dear Equifax, I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Repeated entries ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. 

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Debt collection

A representative from ICR Inc ( Immediate Credit Recovery , Inc ) has called multiple times over several days, refusing to provide anything but a first and last name as identification without *me* providing the last 4 of my social security number. I repeatedly refused to identify myself without verifying what company the representative was calling from was legitimate. 

The representative finally said " Fine, I'll verify the last 4 digits we have on file and you can tell me if they are correct. # # # # '' and gave my correct last 4 without having ANY idea who was on the other line. The representative confirmed that she was being recorded on her end of the call. 

I had no confirmed my name, only repeatedly asked for the called to identify the company she was calling from. I thought this was a WORK call and was trying to figure out what client I was talking to, and heard my own social given out.
Product: Credit reporting or other personal consumer reports

on multiple occassions i have disputed information on my consumer report for its accuracy, completeness and timeliness. invastigation reports have been verified as accurate, no investigation reports have been provided to me. the information comtinues to show inaccurate information, incomplete data fields and negatively impacting my financial well being.
Product: Vehicle loan or lease

Credit acceptance charged me well over what my vehicle is actually worth. The interest rate is extremely outrageous. They knew i wouldnt be able to afford it. Theyre engaging in predatory lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I checked my XXXX credit report, I notices two accounts on my report that not mine .I disputed this threes times with XXXX and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below XXXX XXXX XXXX # XXXX Open Date XX/XX/18 {$4000.00}
Product: Vehicle loan or lease

My monthly payments of {$410.00} are due on the XXXX of each month. I made a payment of {$500.00} on XX/XX/XXXX. I logged in to the website today that the extra funds I paid are in an unapplied account. They have done this on several occasions, this time I decided to call today ( XX/XX/XXXX ). I asked the representative to apply those fund to principal. He stated that he can not and I have to wait until I make the XX/XX/XXXX payment then they can apply to principle. Which is a lie because it has never happened with my prior payments. In addition, thats an extra 30 days of interest that I am being forced to pay on a larger balance and they are holding my extra money. I explained to him that this is unacceptable. I have a DSI loan, by not applying my extra to principle, more interest accrues daily, I pay more interest over the term of the loan and it takes me longer to pay off the loan. They are forcing customers to pay extra interest. When I informed him this isnt legal and I was reported them to the CFPB. He stated to me " it isn't the end of the world '', which is rude. That violates FDCPA. I need to be able to pay extra on principle to payoff my loan faster. This company forces customers to pay extra interest.
Product: Mortgage

The mortgage was transferred from XXXX XXXX  to Roundpoint Mortgage effective XX/XX/2022. They provided several notices of the transfers and confirmed that ACH would auto-transfer to a new company and no action was needed. When the payment never was taken from the account I set up autopayment via Roundpoints website and received a confirmation that this was set up successfully. On XXXX they mailed a notice saying no payment was received. I contacted them today as I logged into the site header still says my loan transferred auto debt on the header. Yet I called today XXXX due to payment not coming out of the bank account again and advised that because I set up autopay that it canceled all payments. No notice of this was ever sent to me and if I wouldn't contact them per the statement received would have charged me additional fees if not paid by XXXX. 

High-level issues : - Providing false information to consumers - Notice that auto payment would be transferred - Late payments when transferred within 60 Days.
Product: Credit card or prepaid card

Problems with Citibank : 1 ) Citibank has chosen to close my credit card account. They would not explain the reason for closure over the phone. They claimed they would send the reason by postal mail. I never received it.

2 ) Citibank owes a refund of {$200.00} I never received it.

3 ) I have phoned Citibank many times to solve this issue. Each time I call, a phone rep tells the new date that I should receive the refund, and the letter of explanation.

4 ) Any issue of post office delivery was resolved months ago. There is no local issue.

5 ) This " lip service '' from Citibank has been going on since early this year. I also filed complaints with this consumer bureau back in XXXX ... .still no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all file sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Student loan

I have a consolidated Federal Loan with Nelnet and I am under an Income-Based Repayment Plan. My income went up by about XXXX in XXXX year but my payment went form XXXX XXXXXXXX/month to XXXX XXXXmonth. I live in XXXX XXXX and the cost of living is much higher in XXXX as opposed to most of the rest of the country, yet this is not taken into account when calculating my repayment amount per month. I also have a child dependent and can no longer afford to pay XXXX XXXXXXXX/month with rising inflation. I have engaged Nelnet on this topic in XXXX and was told there was nothing they could do unless I wanted to change my repayment plan which is not in my best interest because my loan will be forgiven in about XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XX/XX/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 XXXXXX/XX/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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XX/XX/XXXXnquired on XXXX XXXX, XXXX
Product: Debt collection

calls 3-4 times a day saying I owe a debt. I acknowledged that I owed the debt but still keeps harassing me. called this morning XXXX/XXXX/2016 at XXXX. and calls frequently through out the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. The 3 credit Bureaus has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX and 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 a account without my written instructions
Product: Prepaid card

I received a {$25.00} reward given on a virtual XXXX via MyPrepaidCenter.com. It was activated XX/XX/2023. The card was unusable as it was repeatedly declined by PrePaidCenter.com Although the card states " FUNDS DO NOT EXPIRE '', there is a " Good Thru '' date that gives the allotted end date of usage. This is a farce as MyPrepaidCenter.com makes sure the card can not be used/redeemed. They then charge against the card to deplete the funds until the balance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a dispute in regards to the incorrect item on my credit report with TransUnion, and it has been well over 30 days and I haven't received any accurate investigation results or any verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for this account.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Discover Card Corporate Office Headquarters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Discover On XXXX applied for The Discover Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my credit report, Ive discovered that incorrect information continues to be reported by XXXX, XXXX, and Equifax. Despite my previous disputes, this information is still being verified as accurate. However, I have undeniable proof that the information in question is not accurate, which I have attached for your reference. 

This ongoing verification of false information not only damages my creditworthiness but also violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 and 623. These sections mandate that credit reporting agencies and furnishers of data must correct or remove any information that is found to be inaccurate or unverifiable after a dispute is filed.

I am urging you to immediately remove this inaccurate information from my credit report, as continued reporting of these errors is unacceptable and unlawful. Please ensure that my credit file is corrected to reflect accurate and verified information, in accordance with the FCRA.