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

in accordance with fair credit reporting Act Experian, XXXX, XXXX has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 According to 15U.S.C 1681 section 602 A States I have the right to privacy. these address and phone do not belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Pa XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX and phone number XXXX
Product: Vehicle loan or lease

This loan was established in 2014 for 6 years. Every year I feel that no matter how hard I try to pay off this loan the loan amount never decreases. In addition the website shows 4 different amounts owed so it is impossible to understand where I am and impossible to devise a plan to pay it off when I sign into my account I see the following amounts due : 1.  Account Balance - XXXX 2. Amount Due - XXXX XXXX. When making the payment ( Outstanding ) XXXX XXXX. Payoff - XXXX Which one is correct? I feel this is a predatory loan as this loan applies unfair deceptive and abusive terms on borrowers and tries to make it impossible to ever completely pay this loan off. This has been going on to long. What are my options.
Product: Debt collection

On XX/XX/XXXX, I made an ACH payment to Rent Debt Automated Collection, an account that was under my maiden name at the time. Since then, I have received a collection letter from XXXX XXXX XXXX, dated XX/XX/XXXX for credit card debt in which I owe {$5400.00}. I called and spoke with Mr XXXX XXXX on XX/XX/XXXX to initiate a payment plan. It was agreed and electronically signed to begin making {$270.00} monthly installments on XX/XX/XXXX. However, the payment was rejected by XXXX XXXX as a " non transaction account, '' ineligible to receive this type of payment. I continued to call the collection agency for about a month with no answer, until XX/XX/XXXX. Again, I spoke with Mr XXXX to initiate the payment plan process. Installments are suppopsed to resume on XX/XX/XXXX. My complaint is regarding the timing of receiving debt collection letters. XXXX was the payee, however XXXX XXXX XXXX must have had ownership of my account since XXXX, XXXX when I received their letter. Regardless, not realizing my account was being sold to another collection agency is where my frustration lies. In addition, I have had two more collection account letters for credit card debt under my maiden name from XXXX XXXX XXXX dated XX/XX/XXXX. This collection agency along with the original creditor, XXXX XXXX, is listed as ( 4 ) delinquent ( deragatory ) accounts on my credit file with amounts of {$11000.00} ( 2x ) and {$6200.00} ( 2x ). I began working with a local credit repair company, XXXX XXXX XXXX, in XX/XX/XXXX with no success of the removing deragotory accounts from credit file. Currently, I am working with XXXX XXXX XXXX NY ), who is assisting me with inquiry removals and credit repair. After months of not being able to reach XXXX XXXX XXXX, I finally spoke with a live person on XX/XX/XXXX. Apparantly, my account was transferred to the Law Offices of Daniel C Consegra in Tampa, FL. I spoke with XXXX the same day to initate a payment agreement and have yet to receive a response.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Auto Loan on My Credit Reports Dear XXXX, XXXX and TransUnion, I am writing to formally dispute a fraudulent auto loan appearing on my credit reports with both XXXX and TransUnion. I did not authorize or apply for this loan, and I believe it is a result of identity theft. My personal information was compromised in the XXXX data breach as well as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX which has led to unauthorized activity on my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), 611, I am requesting an immediate investigation into this matter. This auto loan is not mine and is inaccurately reported. I demand that it be permanently removed from my credit reports. 

To support my dispute, I am enclosing the following documents : A copy of my FTC Identity Theft Affidavit A copy of the police report related to my identity theft A copy of my government-issued identification for verification Please complete this investigation promptly and confirm in writing once the fraudulent auto loan has been removed from my credit reports. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I took covid forbearance because of quickly rising cost of living during covid. In 2021 had nervous breakdown & had to leave job because was no longer capable; was XXXX for XXXX months & put in XXXX applications. Was finally hired by family member who made many accommodations so I was capable. With the change in jobs lost XXXX  % of my income. Multiple major life events led to another nervous breakdown & no longer capable of working. Have applied for XXXX. 

Approved for XXXX XXXX XXXX XXXX freedom " lost '' the XXXX {$9000.00} payment for XXXX  months; was told to not do anything until heard back from fm once they got it straightened out. By time they contacted me was already XXXX months late again. And when XXXX requested reinstatement quote, fm did not include almost {$1000.00} of fees. 
Approved for XXXX round ilhaf, still didn't include fees in reinstatement quote. 
Then received assistance from XXXX XXXX bc was having trouble transitioning back into making mortgage payments. Then my mom was diagnosed with stage XXXX & my expenses increased by about $ XXXX. 
-was told they'd put past due into secondary loan on end of first one. Submitted requested paperwork, due to helping mom, missed return by date. Restarted process, they claimed they didn't receive requested paperwork ( although I received confirmation email ) so they could begin foreclosure. Resubmitted paperwork & suddenly decided they wouldn't accept same documents ( but updated ) as submitted & accepted first 2 times. 
-appeared like there were XXXX withdrawals in XXXX year from my escrow XXXX year was told overage in escrow that would be paid when account became current, never received -every other year claimed huge shortage ( even though much more $ than expected had been paid into escrow year of ilhaf assistance & cost of property taxes had decreased ) -many other shady events can't think of at moment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Minnesota debt collector, has filed a derogatory report at Experian for {$14000.00}. I have never heard of this company.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward, consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and right as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Immediate Removal of Inaccurately Reported Account Due to Non-Compliance with FCRA Timelines Dear Dispute Department, I am writing to request the immediate removal of a derogatory account listed by XXXX XXXX from my credit report, as the statutory period for investigation has exceeded the 30 days required by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i. 

Here are the details of the disputed account : Account Number : XXXX High Balance : {$1500.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : Derogatory Account Description : Individual Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off account, Transferred to recovery Last Payment : XX/XX/XXXX Term Length : 15 Months Past Due Amount : {$0.00} Given that the required investigation into the discrepancies and inaccuracies reported on this account has not been completed within the mandated 30 days, I urge Equifax to comply with the FCRA by removing this entry from my credit report immediately. This request is based on the failure to adhere to statutory requirements, which impacts my credit standing unduly. 

Please notify me as soon as this removal has been processed, and provide written confirmation including a revised copy of my credit report. If for any reason you consider this matter to be resolved without removal, I request detailed documentation and justification for continuing to report this information. 

I appreciate your immediate attention to rectifying this issue and look forward to your prompt response, ensuring compliance with federal regulations. 

Thank you for addressing this significant matter. 

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

I am writing to file a formal complaint to BARCLAYS BANK DELAWARE regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the BARCLAYS BANK DELAWARE will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.
Product: Credit card or prepaid card

I have a number of fees for two of my credit cards for late payments. These statement balances were paid in full within a 24 hour period. My statement balances are paid, in full, every single month. The CC company decline to go back more than three months for any of the fees listed.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXXXXXX are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. Equifax is also reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION, XXXX ARE REPORTING FRAUDULENT INQUIRIES ON MY CREDIT FILES. IVE ATTACHED FTC FORMS AND OTHER DOCUMENTS SHOWING THE FRAUD.
Product: Payday loan, title loan, personal loan, or advance loan

Another predatory loan with an interest rate at almost XXXX XXXX .. this is highly illegal in my state and I believe it is also federally illegal.. I absolutely can't pay back a small loan and by the time I'm done have paid over quadruple what I borrowed
Product: Prepaid card

On XX/XX/XXXX we received a letter in the mail from Netspend, that included a XXXX prepaid card issued by XXXX, XXXX. Bank. The letter included my name, an account and routing number. I never applied for an account with this company, never requested information from this company and never have heard of this company. I tried multiple times to contact the company via phone and chat of which each time entered the account # it the voice respond system says it does not recognize. When trying to pursue a fraud department, it was not an option. There is no phone number on the letter or the card.
Product: Student loan

Received email on XX/XX/2022 from American Education Services with faulty and misleading information including IN BOLD or HIGHLIGHTED text that makes the message appear super misleading, faulty, and fraudulent about student loan forgiveness and then directs consumers to apply to re-finance their student loans at what would most likely be MUCH HIGHER INTEREST RATES with HIGHER monthly payments.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its leg obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Eqifax 's inaction violates federal law and my rights as a consumer.
Product: Credit card

I used my Best Buy credit card to buy the XXXX XXXX service for 1 year. The following year, when my service was about to end, I got an email asking if I wanted to continue the XXXX XXXX service for another year. I answered yes to the email and my credit card was billed for 1 year of service. As my 2nd year of service ends, I do n't get an email about continuing the service. I 'm auto-renewed and billed for another year of XXXX XXXX service without my knowledge or consent. Citi Bank customer service says I was enrolled in auto-renew because I previously paid for the XXXX XXXX service using my credit card. I do n't ask for auto-renew and I did n't want buy the XXXX XXXX service for another year. I made a complaint with Citi Bank, but it 'll take 6 weeks for their reply. In the mean time, I 'm forced to pay the bill and late fees for this charge or my credit rating will be damaged.
Product: Debt collection

This is my third complaint through CFPB for this company that has been reporting information on my credit report without notifying me of the collection or giving me a right to dispute the debt before reporting to my credit report. Reporting a debt without notice or right to dispute is a violation of the FCRA. This company had continued to report even during multiple disputes which is also a violation since items can not be collected or reported during a dispute. Reporting an item is still an attempt to collect. There are so many violations and this account still had not been removed. This debtor also still had not proved that I owe this debt at all which I know I dont owe
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to work with me to correct a collection account being reported by them that has been resolved. I don't understand why XXXX  and XXXX  have removed the disputed item but Equifax refuses to correct it's error. I have tried many many times to get Equifax to get their act together but they just ignore me. numerous times I have sent letters initiating a dispute that goes without any response from them - they just ignore my dispute and violate the fair credit reporting act by not addressing the dispute - many times after 30 days I have not received anything from them on a dispute which in itself is reason to remove the item - I pointed this out to them but they ignore me over and over again. they report a XXXX dollar collections for XXXX hospital that I do not owe. Equifax needs to get in line with the other reporting agencies and fix this incorrect information on my file.
Product: Debt collection

During the summer of XXXX I had tests done at XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX My responsibility for that testing came to {$420.00} which we paid with a check that was cashed by XXXX. This was about the same time that XXXX started using an off-site billing service. They no longer have anyone within the medical group that you can call and speak with. The bill ended up being sent to a collection agency that contacted us. We provided that agency with the check number and the financial transaction number along with date of payment, XX/XX/XXXX and when the check was cashed. The electronic check number sent by XXXX XXXX  was XXXX processed on XX/XX/XXXX, confirmation number XXXX was told at that time that the issue was resolved. Apparently on XX/XX/XXXX XXXX sent this account to another collection agency. I just got off the phone with them where they initially said the bill was {$100.00} more than originally stated, When I called them on it they stated they had misspoke and the bill was {$420.00} and they confirmed that it was sent to them by XXXX. When we try and contact anyone with the XXXX system we are transferred to their contract billing office and told the amount was sent to collection.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am reaching out with regards to the following adverse actions conducted by XXXX XXXXXXXX XXXX XXXX 

- Inaccurate Payment reporting for XX/XX/XXXX and XX/XX/XXXX - Inaccurate Balance Details ( XXXX XXXX ), resulting from Fraudulent Charges I have attempted to resolve these issues multiple times by calling since XX/XX/XXXX. I have been met with abhorrent treatment by the Fraud division, lack of knowledge by " Collection '', and repeatedly cold transferred further exposing my personal information as I was being asked to repeat my full social security number numerous times. When I requested management, I was faced with Call Avoidance by numerous representatives who were attempting to " XXXX XXXX' the tone of the call in order to get me to disconnect.
Product: Debt collection

I have been a victim of identity theft since 2020 when my information was stolen and sold to others. I have had numerous people attempt to live in apartments in my name and successfully do so. I then have to deal with the collectors and the consequences that falsely affect my credit, my time, and my sanity. This is despite having a police report and a drivers license, a social security card, etc to verify my actual identity and to confirm I have never lived in the apartments that I am repeatedly accused of owing money too.

I am sick of being re-victimized by greedy unethical apartment communities with limited standards of care and or outright negligence just to rent an apartment out. 

I have exceptional credit and have worked my XXXX off for it. I am a XXXX  that works all day and then gets to come home and file disputes, call apartment communities, chase down collectors file complaints etc.. due to someone/s complete negligence and XXXX accountabiility. Why is it me that continues to suffer at the hands of your negligence. I will continue to exercise every legal avenue to the fullest extent to ensure you compensate me for the damages you continue to cause me. 

I have never lived at XXXX XXXX XXXX XXXX. I do not owe you anything but you owe me an apology for all my lost time, effort, mental anguish and most importantly a renewed credit score after attempting to collect on fraudulent debts.

I am also owed an apology for closing my complaint and stating it resolved. Excuse me XXXX XXXX XXXX at Hunter Warfield it is not resolved. You send a generic response on CFPB that you never followed through on. You ignored my requests and failed to uphold your responsibility to me as a proven victim of identity theft.

I am seeking action against Hunter Warfield, XXXX XXXX XXXX, and XXXX and any bureau that continues to publish false information that furthers my harm. 

Account Number XXXX for the amount of {$13000.00} is not valid nor is it mine. Continue to refuse to resolve this and you are furthering my case against you.