23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

WHAT HAPPENEDProduct : Experian Credit ReportingIssue : Credit reporting agencies ' ( CRA ) investigation was inadequate and failed to consider Creditor Payment History spreadsheet and Borrower Check LedgerDescribe what happened so we can understand the issue ... 

Experian Refused to Require Credible Debt Verification on the Part of Major Subscriber XXXX. 

The Federal Trade Commission and the Consumer Financial Protection Bureau should take the lead in forcing Experian and XXXX to comply with Federal Law and Federal Court Order. Moreover, CFPB has recently issued a Bulletin finding inadequacies in the CRA validation process and there is a pending Federal Court case challenging same ( State of Mississippi XXXX Experian Information solutions , Inc. XXXX ). 

Experian refuses to require " Furnisher '' XXXX to bring its credit reporting system into compliance with the Fair Credit Reporting Act ( FCRA ) ; acceptable debt validation process in general ; and, the XXXX 2014 United States District Court Consent Order, in particular. Experian continues to use unverified data provided by XXXX in its valuation of credit reports and resulting credit scores. Although the Consent Order systematically invalidates XXXX data collection/reporting process, Experian appears to be acting in tandem with XXXX to refuse to facilitate credible/acceptable debt verification. In fact, Experian simply ignores the existence of clear and convincing evidence that XXXX has " routinely '' misreported debtor payment history and otherwise made inappropriate " assessments '' to Borrower accounts. 

In the instant matter, Experian unilaterally accepts XXXX undocumented position that I am {$15000.00} behind in mortgage-related " assessments '' and 12 months behind in mortgage payments. Among other credit report wrong-doings, I am legally entitled to copies of Experian 's debt validation referral to Furnisher XXXX - and XXXX response. XXXX and Experian should not be allowed to engage in secret communications concerning debtor account and inquiries. I have repeatedly requested a detailed breakdown of the alleged and bogus {$15000.00} assessments and identification of the specific 12 months of mortgage payments I am allegedly in arrears. Providing this information is crucial given the District Court 's invalidation of XXXX internal reporting system, and the fact most of these charges were assessed during the period I was under Chapter XXXX protection ; a clear violation of Federal Bankruptcy law. 

Experian should not be allowed to ignore un-refuted evidence ( in the form of the Consent Order, check ledger and Payment History spreadsheet ) of wrong-doing and systematic misreporting on the part of XXXX of its major subscribers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : 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 the records of conviction 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: Credit reporting or other personal consumer reports

I have discovered items on my credit report that do not belong to me, as well as accounts that were opened in my name using my Social Security number without my authorization. I did not open these accounts, nor did I authorize anyone else to do so on my behalf. I am filing this report to dispute these fraudulent accounts and to initiate the necessary steps to remove them from my credit report and secure my personal information. The company violated my right to privacy and giving my information to a third-party which is considered identity theft. 15 usc 6802.
Product: Debt collection

Resurgent Capital Services is a third party debt collector that sent me a letter to collect a debt that they apparently purchased from XXXX XXXX XXXX. 

I, the consumer and true original creditor, did not give XXXX XXXX XXXX  consent to sell any debt allegedly owed to them, to this third party debt collector. I also did not give XXXX XXXX XXXX  consent to speak with Resurgent Capital Services on any matter in connection with the collection of this debt. 15 USC 1692c ( b ) has been violated.

Also, it is unlawful to design, compile, or furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating pursuant to 15 USC 1692j. Resurgent Capital Services violated this law when they sent me a deceptive debt collection letter.

Also, In the letter sent, the were 60 words of profane language which abused me as the reader and highly offended me violating 15 USC 1692d ( 2 ).
Product: Credit reporting or other personal consumer reports

I am disputing the debt in your recent communication. My records show it was written off, but I haven't received a Form XXXX. Per IRC Section XXXX, creditors must issue this form for canceled debts of $ XXXX. Please provide documentation or confirm cancellation and issue the form. Cease collection and remove negative info from my credit report.I have attempted to dispute these accounts for not providing the requested documents multiple times with no success. I would like these accounts removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called AMEX prior to making a larger purchase to confirm my spending power and the over time pay limit on my card. 
I was informed that later was {$31000.00} I subsequently made a purchase of c. {$44000.00} My bill now requests back the full amount without applying the overpay limit of {$31000.00} I am being told that next time I should split the transaction into 2, as when the amount is over the {$31000.00} the over time pay limit would not apply This was deliberately omitted from the explanation when I called the first time round I would have used a different card/other means to pay if I had know that!
Product: Debt collection

XX/XX/2017 amount is {$3800.00}, debt was added have attempted to fix this with collection agents but will not listen and fail to prove debt is mine. This was my fathers apartment and he since filed bankruptcy and they are trying to say i owe this debt.
Product: Debt collection

There was an incident at the apartment complex. 

The complex fined several tenants and attempted to evict me Ive went to court because reported fees were incorrect, Ive paid them and they havent removed themselves from my credit reports
Product: Mortgage

I hired XXXX XXXX XXXX to contact JPMorganChase on my behalf to do a short sale on my home. On XXXX XXXX, my attorney notified me that Chase wanted another appraisal due to the last XXXX being canceled. I thought that was strange because XXXX people came out to appraise my home. I contacted the last appraiser and she assured me that she submitted all of her documents. I reached out to the customer service rep handling my case with Chase on the same day and she told me she did n't receive the appraiser 's documents. She claimed to have checked again while on the phone with me and insisted that there was no appraisal. On XXXX XXXX, my attorney received a call indicated that Chase wanted about $ XXXX on the purchase price and that the rep said the documents were no uploaded to her. My attorney said they would counteroffer because my buyer offered $ XXXX. I thought everything was going okay. The next thing I knew a letter from Chase arrived on XXXX XXXX, saying the short sale was denied. My attorney called back to Chase and the rep said that the rep said the short sale was declined due to the arrearage of the home. I am totally shocked by this since Chase knew of the arrearage and should have said something months ago. Anyway, on XXXX XXXX, I got a XXXX check from chase with a letter saying that the check is to compensate me for finding an error that could have extending the document collection period during my application for mortgage assistance. I am totally confused. I notified my attorney about the letter but obviously, she did n't get an answer about the letter otherwise she would have told me. I want to know what happened. I have a feeling that this situation explains the denial of the short sale. As of XXXX XXXX, I got a letter from Chase notifying me of my foreclosure on the XXXX. I want to reapply for the short sale and I will be sending in my documents again because I do want to leave the property. But I need answers and I need my foreclosure stopped. In addition, I have another question about the notice sent by the foreclosing attorney. The first line of the letter from them says that the initial communication letter was XXXX XXXX, XXXX. Can they continue to use that date? Because during that time I had this modification going on. Should n't they start over and renotify me?
Product: Debt collection

XXXX XXXX SYNCB/PPC Account number : XXXX Amount : {$650.00} Open/Closed : Closed I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau.

I am disputing this claim due to : 15 usc 1692c If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

This is my official request to have the aforementioned item to be deleted off my credit report. 

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

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX, XXXX   XXXX
Product: Checking or savings account

On XX/XX/XXXX, at XXXX a transfer was made to a unknown user for {$2000.00} from my Chime account. I disputed the transaction because there was several new logins from unknown user with the name of XXXX XXXX. Despite this fact the very next day Chime said my dispute was denied which is the fastest Chime has ever moved. I requested the information that Chime used to determine their decision on the XXXX and reopened my claim but Chime again denied it the next day and never sent me the information used to determine their decision.
Product: Student loan

I applied for the IDR repayment plan through studentaid.gov on XX/XX/23 and have yet to hear anything back from EDFinancial about whether or not my application has been received, even though on Studentaid.gov it says my application has been reviewed by them. I tried applying again on XX/XX/23 and again it says my application was reviewed by them but no changes have been made to my account, nor have I received any type of email communication from them. I tried calling the customer service line and got a wait time of 530 minutes. I then tried the online chat and was immediately told that the chat was available.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate and unverified information reported on my ChexSystems file under the codes GC and GD. The reporting institution has failed to provide any original contract or documentation proving that this debt is tied to me. Under the Fair Credit Reporting Act ( FCRA ) 609, 611, and 623, I am requesting full validation. If they can not provide proof, they must immediately remove this information from my report. Failure to comply violates my rights under the FCRA and could result in further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

When I initially started paying these loans they were around XXXX dollars for 1semester of university which. Over the years they have ballooned to XXXX dollars due to interest. Due to XXXX XXXX   and other issues i have always struggled financially and have never been able to pay anything consistently. 

The majority of the time my loans have been in default, forbearance, or deferment. I never really understood how this worked other than my payments would be put on hold. I never really understood how the interest accrued and could balloon. 

It wasnt until maybe the last 5 or 6 years i learned about income contingent payment plans as it was never presented to me when I called in for forbearance or deferment. 

Just in the past couple months i was told there are plans where the government covers the interest on some payment plans. 

This is something that has been a dark cloud over my life and has contributed to my XXXX as i feel i was taken advantage of or scammed because i am an easy target. The payment i owe is literally for nothing. I have no valid credits from my 1 semester of University. 

The interest on my loan begin removed would be ideal outcome. I'm not saying i shouldn't pay anything but i was never educated on the interest accrual. They just always said it will still accrue. 

Also i should never been allowed to put my loans in forbearance or deferment for this long. Income contingent plans should have always been the first option suggested to me. I didn't even know they existed for a long time. 

I'm sending this because i just saw a article navient is being audited for similar complaints and this is something i have stressed about for years
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX from XXXX of XXXX XXXX and allegedly according to Santander Consumer USA I made agreements with to pay monthly installments of {$510.00} for 75 months and made a {$2000.00} down payment. Although the car had a used sticker value at the time of around {$17000.00}. The initial balance was {$19000.00} and so far ive made 41 installments on this loan 3 of which were late none exceeding 30 days. I still owe a balanced on my credit report of {$13000.00}. The last three months i have not been able to make the payments, due to my vehicle not being able to run for the past 5 months and now needing a new engine because of a mistake a mechanic made on the car. Also my business recently has been running into some low income and the rising costs of my rent, utilities and other bare necessities has been making the payments very difficult. Its is one of a few things that is causing my entire family of six a massive mental hardship. For this has not only lowered my credit score and but the creditor has already threatened to put derogatory marks on my credit and even some instances where they mentioned collections. Which will do nothing but just subtract points from my low credit score. This is something that has prevented me from buying a home for my family as well as withholding my ability to utilize my credit in the ways I intended. The balance is the largest balance on my credit report and can and i can ill-afford and will not be making any future payments to the creditor.
Product: Credit card

I booked a reservation to stay one night in the hotel XXXX XXXX XXXX between XXXX to XXXX. I did my checking with my friend XXXX XXXX that booked XXXX nights reservation. The hotel attendant mixed or room and I stayed in her room so on XXXX I called the receptionist and I asked to do my check out, I was told that I just need to leave the key inside the room and was all set. Thats what I did. After couple days I saw XXXX $ extra charge in my account. When I contacted the hotel they told me that I stayed 1 more night but I did not. Later I understood that they charged 1 more night because my friend was i my room and I was in her room. 
Now after open a cdpb report they came and informed that the hotel discovered that I had a pet on my room.. I dont have any kind of pet! It was me and my wife only, they are charging me for the wrong room! 
I already explained XXXX times to the hotel and the credit card. I was in the room XXXX not XXXX! 
They gave the wrong key.. XXXX was a friend reservation and yes she have a dog not me! 
Also the email explaining that never came to me.. I have to be asking on the chat XXXX times to be able to understand something.. very bad experience!!!
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to the failure of [ XXXX, Equifax, or XXXX ] to accurately investigate and correct erroneous information on my credit report, despite multiple dispute attempts, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : On XX/XX/XXXX, I noticed a significant inaccuracy on my credit report. Specifically, an account listed under the creditor is inaccurately reported as delinquent, unpaid, or otherwise incorrect. This account is either completely unrecognized or inaccurately portrayed in terms of payment history, balance, or status. 

Actions Taken : I formally disputed this inaccurate information with XXXX, Equifax, and XXXX on, providing supporting documentation to prove that this account either does not belong to me or contains errors that are materially affecting my credit standing. Despite this, XXXX, Equifax, or XXXX failed to properly investigate, verify, or remove the inaccurate information within the legally required XXXX period stipulated by the FCRA. Instead, they either provided an inadequate or automated response or reinserted the erroneous information without adequate verification. 

FCRA Violations : Under the FCRA ( Section XXXX ), credit reporting agencies are required to conduct a thorough investigation and remove or correct any information that can not be verified within 30 days. XXXX, Equifax, and XXXX has failed to comply with this federal requirement. Furthermore, they failed to provide documentation verifying the accuracy of the disputed information or a reasonable explanation for its continued presence on my report. 

Impact on My XXXX XXXX : The continued reporting of this inaccurate information has severely and unjustly impacted my credit score, resulting in significant financial harm. This has negatively affected my ability to secure favorable loan terms, housing, and other financial opportunities. 

Desired Resolution : I am requesting the immediate deletion of the inaccurate account information from my credit report and a full investigation to ensure all reported data is accurate and compliant with federal law. Additionally, I am seeking written confirmation that the erroneous information has been permanently removed and will not be reinserted without proper verification.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnesXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As of today XX/XX/year> My Experian credit report is not reporting the following tradelines : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of my positive history and on time payments that are not reporting are making it difficult for me to apply and/or be approve for extension of credit from other lenders.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX : Consumer Credit Department Re : Dispute of Unauthorized Inquiry on Credit Report Date of Inquiry : XX/XX/year>XXXX  Credit Report Source : EXPERIAN I am writing to formally dispute an inquiry made by XXXX XXXX  that appears on my credit report. This inquiry, dated [ Date of Inquiry ], was not authorized by me and I have no record or knowledge of requesting any credit, loan, or financial services from your institution. 

Under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6801, 6802, 6803, 6804, and 6805, financial institutions are required to protect the privacy of their customers ' nonpublic personal information and ensure that their financial practices comply with regulations related to privacy and security. 

15 U.S.C. 6801 ( Privacy of Consumer Financial Information ) mandates that financial institutions must ensure that they do not disclose, share, or use consumer information without proper authorization, unless otherwise allowed by law. 

15 U.S.C. 6802 ( Disclosure of Nonpublic Personal Information ) states that a consumers information can only be shared or used under specific circumstances, including the need for consumer consent, which I did not provide in this case. 

15 U.S.C. 6803 ( Restrictions on Disclosure of Nonpublic Personal Information ) requires financial institutions to adhere to the limitations on sharing consumer data without their explicit consent. The inquiry from your institution appears to have been made in violation of these privacy provisions. 

15 U.S.C. 6804 ( Notice of Information Practices ) stipulates that financial institutions must provide clear and understandable notices regarding their information-sharing practices. I did not receive such a notice from your institution regarding any inquiry or action taken with my credit. 

15 U.S.C. 6805 ( Regulation of Financial Institutions ) compels institutions to adopt safeguards for the privacy and security of consumer information, ensuring that no unauthorized access, disclosure, or inquiry is made without consent. 

As I did not authorize XXXX XXXX to make this inquiry on my credit report, I request that you immediately investigate this matter and take the necessary actions to remove this inquiry from my credit file. Furthermore, I request that you provide me with written confirmation that the inquiry has been removed and that my rights under the GLBA are being respected. 

Please treat this matter with urgency. If the inquiry is not removed within [ 30 ] days of your receipt of this letter, I will be compelled to escalate this matter through the appropriate consumer protection agencies, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), to seek resolution. 

Thank you for your immediate attention to this matter. Please confirm receipt of this letter and provide a status update on your investigation at your earliest convenience. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

With the third party company XXXX I had a debt on my overdue account of {$2300.00}. I came to an agreement with the company and finished paying off the rest of that debt on XX/XX/XXXX. XXXX removed the complete balance from my account on XX/XX/XXXX. They then told me that they will send a deletion request to each of the XXXX credit bureaus by XX/XX/XXXX to have my closed/charged off account ( The account name is Duvera billing services ) completely removed from my credit report from all three bureaus. Present day it looks like it has been removed from my XXXX credit report but still remains on my XXXX and XXXX credit reports. I'm taking this action to have the charged off account removed from my remaining credit reports ( XXXX, XXXX ).