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

I, XXXX XXXX XXXX, am the natural person, filing this complaint. On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet. I am starting to believe that as a consumer, I am being taken advantage of and my disputes are being ignored. I never gave you authorization to add anything on there nor did I give any creditor authorization for you'll to add to my credit report and I want it removed now!! I WOULD LIKE TO SEE THE ORIGINAL APPLICATION NOT THE ORIGINAL CONTRACT, A FULL COMPLETE AUDIT TRAIL and if you CAN NOT PROVIDE ME WITH THIS, I WANT THOSE ACCOUNTS DELETED NOW!!! In Section 611 ( a ) it is plainly stated that a failure to investigate these items 30 days gives you a reason to immediately remove those items from my credit report it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I don't understand why the XXXX I have to keep going back and forth with you people because you keep doing some illegal and unlawful stuff to my accounts on my credit report. I, XXXX XXXX XXXX, the federal protected consumer have already sent in all of the identification needed for authorization but I will upload them again for CFPB purposes. My information was also impacted by the XXXX and XXXX data breach and may have got into the hands of the wrong person. When I spoke to XXXX on XX/XX/2021, The representative lied and said that my DL, SSC and utility bill was NOT in my file and when I spoke to his supervisor, the supervisor said it WAS ON FILE. This is the stress I have to deal with because I'm afraid of my identity being stolen again! Plus, Under Regulation V, CRAs only need sufficient identifying information to match you to your credit profile : Name, Address, DOB. So I'm not giving you my ID, SSC, bank statement to utility bill again that can be stolen from your database again.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report today XX/XX/21, I noticed XXXX & Equifax are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.
Product: Credit reporting or other personal consumer reports

he List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is ( still ) reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : Inquiry included in dispute : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law. This was not sent in error. I never gave written permission to use my private information. I am seeking compensatory damages.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I've requested your proof of verification over 2 times and I have yet to receive any forms of verification on these Accounts. The inaccurate information falsely manipulates my credit worthiness and it is hurting my ability to obtain credit. The XXXX XXXX XXXX Account # XXXX does not even belong to me I have no clue where it came from. Transunion failed to investigate these accounts properly after I repeatedly asked to have proof of verification. In Accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI section 611, subsection A-D, please provide the names and business addresses of each individual with whom you verified these accounts below, so that I may follow up. If you can not produce the information that I am requesting then I demand this item be removed. PLEASE SEND ALL PROOF OF VERIFICATION OR DELETE THESE ITEMS IMMEDIATLEY!! 

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

On XX/XX/XXXX, I made a complaint to the reporting credit bureaus that Grant Mercantile was not reporting that I had previously disputed this account. According to the FCRA 's policies, under this guise, Grant Mercantile should have deleted the account. Instead the organization updated my credit report with the complainant information. On XX/XX/XXXX I checked my account and noticed that a monthly payment was being reported by Grant, but I do not have a contract between Grant and myself. I am requesting that this account be deleted due to monthly inaccuracies being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have requestion for validation of this debt through XXXX and capital one. By law they should have my original contract on file. But they dont have no documentation. By law if the dont this. They are suppose to delete these accounts off my credit report. These letters that are attached are not my original documentation. Doesnt show apr. I will like these accounts deleted before I report yall and have my lawyer take yall to court. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.
Product: Student loan

I have been trying to contact ED Financial for the entirety of XXXX and XX/XX/2023. The phone lines are constantly busy. On several occasions I have called exactly at XXXX AM, when the phone lines open, been told that the wait time is 10 minutes, and stuck in the queue for hours until I eventually give up and hang up. The call back option also does not work. I have been placed in the call back queue several times and have never been called back. I have sent several emails and no one responds. I am just trying to get my payments lowered. The website is difficult to navigate, and I have questions and I cant even get anybody from ED financial to respond!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE LAST XX/XX/21 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 55 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Credit card or prepaid card

Barclay 's Aviator card has very strict late payment policies to the point that even if a payment is one day late, they will report it to the credit bureaus as a late payment. I pay my accounts on time almost always, but sometimes life happens and I forget although I've set up several alerts so it doesn't happen. I thought most companies did not report a late payment until it was 30 days past due, but Barclay 's will report it even if it's one day late. I am happy to pay late payment fees when I make a mistake but getting a hit to my credit score and credit report is quite damaging when I work so hard to keep my score up. This company does not seem to be consumer friendly in this regard. I'm unsure if anything can be done but I feel these business practices are quite nefarious considering that their policies are the exception, not the rule and consumers should be allowed at least a 10 day grace period, if not the full 30 days to rectify their oversight. Once I realized it was late, I paid it in full... it was such a small balance to begin with that the reporting to credit agencies seems quite extreme.
Product: Debt collection

Key Note intentionally transferred an identity theft credit card account to XXXX XXXX XXXX to file a lawsuit, after agreeing to remove this same items from my credit report. Both parties have a deceptive and reckless reputation in the state of Illinois and particularly in XXXX XXXX, which consist of XXXX  XXXX and XXXX  people that these so called professionals prey on. 

I would like for the Illinois Attorney General and the XXXX XXXX States Attorney to get involved in these duos because they do not take this matter serious because they think that your organization is a joke. I will also be forwarding a copy of this complaint to the XXXX XXXX XXXX Attorney. Which is XXXX. and her name is XXXX XXXX XXXX XXXX XXXX  file a lawsuit in Illinois XXXX XXXX, knowing that I do not reside in Illinois or XXXX XXXX and I expressed that to both parties over 4 months ago. Both parties are running an enterprise within the state and XXXX XXXX by harassing XXXX people and filing bogus and illegal lawsuits hoping too scare XXXX XXXXXXXX people into paying credit card debt that has passed the statue of limitation and has been written off as a loss by the banks. 

This account that I am being accused of has reached its statues of limitation for the state in which I reside in and the lawsuit was never filed in the state in which I reside.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a data breach. Fraudulent accounts and inquiries have been added to my credit file without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX 2022
Product: Debt collection

First, I received a letter on Saturday XX/XX/2019 from Action Financial Services, LLC. (hereinafter "AFS"), I was then called by AFS on Tuesday, XX/XX/2019 at XXXX XXXX. by XXXX XXXX. First, she explained she was calling about a debt and was immediately asking for personal information i.e. SSN, DOB, and Address. I had to stop her a few times and ask who she was, where she worked and what she was calling about, because she was so pushy about my personal info. After verifying my info, as she spouted it off without asking. She explained that I owed a debt and that they would garnish my wages. I proceeded to verify the debt, in doing so, I explained that I am part of the Department of Education Student Loan Forgiveness payment plan and that these 3 loans should not be sent to collections. She continued to press that regardless, these 3 were being processed or "Serviced" by AFS and did not care to verify that this debt is in the forgiveness program. She then continued to tell me options available to me: Pay it off, Settle and then she hung up on me/phone dropped. I immediately called back from my work phone and cell phone and upon calling the number back, the line does not work, there is no answer.
Product: Credit reporting or other personal consumer reports

I have an old account with equifax, I don't have the password so I want to create a new password so I can freeze credit, after trying online and failing ( it was on their part ) I was directed to call, after waiting 15 min to talk to a real person I was told they can't help me and was directed to try online again or call, this is day two of trying to no avail how can I freeze my credit if they won't help!
Product: Credit card or prepaid card

Subject : Billing Statement Dear sir/madam, This letter is regarding my Home Depot Credit Card Interest rate. I must begin by saying I have been a loyal customer since 2015. I have always paid my dues on time and I always pay more than the minimum requested. Home Depot uses promotions as an appealing way to entice their customers to join their credit card services. I signed up for the home depot card with the entry offer being 12 months zero interest. So, I was quite surprised with I opened my online statement and see that I went from a zero percent interest rate to a {$210.00} interest charge, especially being that my bill was only a remaining balance of {$560.00}. When I called Home Depot to discuss the large interest charge I was told the following : Customers are given zero percent interest rate for the first 12 months. I kindly asked where home depot came up with the calculated large amount considering the remaining balance was so low. The representative went on to explain that in the fine print of the final statement it states that if the remaining balance is not paid before the final statement, then the customer is charged a 12-month interest rate of 25.99 % for the year. The representative went on to explain that no one can assist with adjusting the rate and I have no option but to pay the increased rate.
So, Home Depot went from what I thought was a zero percent interest rate to now a rollover interest rate of 25.99 %. So, 25.99 % of {$560.00} is {$140.00}, yet I am paying a 37.6 % interest rate for the year. So, not only am I blindsided with their fine print agreement but I am being charged interest on top of the interest rate. I feel betrayed that I as a loyal customer for 3 years with no tardiness and paying more than the minimum due that Home Depot would not do more to personally notify their loyal customer of such an increase and make matter worse do nothing to assist them. This is a way for conglomerate companies to take advantage of their loyal customers and charging an in-interest rate of 37.6 % is outrageous.
Product: Student loan

On XX/XX/2020, XXXX XXXX mailed a letter stating that they returned {$3200.00} back to Fedloan to reduce my student debt. I contacted Fedloan and they said it would take sometime, I waited for six months and I did not see my debt reduced. I contacted the Department of Education and they said that there was no check for {$3200.00} however XXXX XXXX said they sought the check and wrote a letter to prove it.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding fraudulent accounts that have been opened in my name as a result of a recent data breach. My personal information was compromised, and as a result, several unauthorized accounts have been reported on my credit report. These fraudulent accounts were opened without my consent, and I have taken steps to request their removal from my credit file. 

I have already contacted Equifax, as the breach involved their system, and I have requested that the accounts be blocked and deleted in accordance with my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). The accounts in question are : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX
Product: Credit card or prepaid card

To whom it may concern I have been a member on credit karma for a number of years they continue to send me referrals for credit cards saying that I was {$90.00} to 100 % pre-approved for cards I continue to apply for them as well as multiple loans continuously being denied which affected my credit score dramatically. Also they don't keep my records up to date they have false information on my account about my credit scores and I've had multiple hard inquiries but never approved a number of 10 to 12 in the last year because they kept directing me to apply because I was pre-approved and I never got approved with any of them I have a stack of denial letters from these places I applied that credit karma directed me to
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am trying to dispute my account with XXXX XXXX XXXX, and have not been resolved. This account has been closed and was taken care of. There are also XXXX inquiries on my report that I do not recognize and they must be fraudulent. According to the Fair Credit Reporting Act, unverified and unauthorized items must be removed. Below are the dates of the inquiries that need to be removed and the other account on file. Please remove it asap. Thank you. 

Inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX As you can see- they have it on there twice. 

XXXX  XXXX XXXX XXXX XX/XX/XXXX - $ XXXX Credit card this was resolved and closed!
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for FCRA XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX ( NFCU ) for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b ( a ) ( 2 ), as well as for reporting inaccurate and misleading information related to my account. These violations have significantly and unfairly impacted my XXXX XXXX, and despite my initial dispute filed on XX/XX/year>, XXXX XXXX has failed to address or correct the inaccuracies. 

Violations and Issues 1.Unauthorized Access to My Credit Report XXXX XXXX accessed my credit report without my written consent after initial approval of loan and after the account was closed and paid off. This constitutes a clear violation of 15 U.S. Code 1681b ( a ) ( 2 ), which requires that entities must have a permissible purpose or written authorization to access a consumers credit report. 

2.Inaccurate Reporting of Loan Terms and Account XXXX XXXX XXXX has reported incorrect loan terms acocrding to open and close date for this account, which fails to align with the actual loan agreement. 
The length of time the account is being reported is incorrect, further demonstrating negligence in maintaining accurate records as required under the FCRA. 
3.Addition of Redeemed Repossession Notes After Account Closure XXXX XXXX added redeemed repossession notes to the account after the loan was paid in full and closed and went against agreement made at time of redemption. This misleading reporting is inaccurate and unjustly portrays a negative status on the account. 
4.Inaccurate Late Payments Due to XXXX XXXX XXXX XXXX has reported inaccurate late payments that occurred during the time my vehicle was fraudulently stolen. These payments were delayed because they were being held by the insurance company during their investigation. 
Under the FCRA, credit reporting agencies and creditors are required to report only accurate and verifiable information, which has not occurred in this case. 
5.Failure to Correct Errors After Dispute I disputed these inaccuracies directly with XXXX XXXX XXXX XX/XX/year>. To date, they have failed to respond or correct the errors in violation of FCRA 1681i, which requires a timely investigation and resolution of disputes.
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX My Date of birthday is| XXXX XXXX 
My Social Securite Number 's is XXXX To : Mid Tlantic Finance XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX RE : XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; To Whom it may concern.. 

This account : XXXX XXXX XXXX Account Number : XXXX The company XXXX XXXX XXXX claims that this account was paid by the creditor in XX/XX/XXXXXXXX  ( PAID BY CREDITOR ), but is reporting erroneous and inaccurate information to the credit bureaus. 
This account was returned to XXXX XXXX XXXX due to problems with the car 's transmission, In XX/XX/XXXX, and the status the this account was reported paid and closed in XX/XX/XXXX So how do you explain that in XX/XX/XXXX the account status is ( paid by creditor ) if it was closed a year before and was paid and closed by XXXX XXXX XXXX? 

XXXX XXXX had already reported the account as ( closed and paid ) and changed it back to ( paid by the creditor ) which is false, under the law 15 U.S. Code 1681i ( 5 ) it stipulates that if after a reinvestigation inaccurate information continues to be reported, the account must be deleted immediately. 

Law 15 U.S. Code 1681i ( 5 ) - Procedure in case of disputed accuracy.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


15 U.S.C 1681s-2 ( A ) 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. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 

A copy will be sent to the CFPB, FTC and my Attorney General.