23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/, I received an alert through my personal email account that my someone was requesting access to my credit report. I found out that Mortgage America, Inc. had made an unauthorized request for my credit report. I am not applying for any type of mortgage. XXXX XXXX, Compliance/Sales Support with XXXX ( who is affiliated with Mortgage America. Inc. ) stated that that my credit was mistakenly pulled from an old application on file from one year ago. XXXX XXXX stated that the company is working with Mortgage America Inc. to reach out to the three credit bureaus to have the hard inquiries on my credit changed to soft inquiries so they my credit score will not be impacted. I want to bring this matter to the attention of CFPB because my social security number was used to make an unlawful credit inquiry. I also want to help others in similar situations who can learn from my experience. This was a serious breach of confidential information made by Mortgage America , Inc. and the public needs to be aware of their poor business practices even if it was not intentional.
Product: Debt collection

I filed a complaint and the company did not reply to the two accounts I am disputing. for account numbers XXXX there are two different TSI account numbers XXXX the amount is {$260.00} and for XXXX the amount is {$730.00}. The bill that I have from TSI is for {$970.00} and it appears my insurance paid part of the bill. My Co-Pay should have only been {$100.00}. The amounts they are trying to collect is incorrect. On my credit report under TSI the only bill thewy are showing is {$730.00} which is another incorrect amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute with Midland but no response rcvd yet
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX, I saw alot of pre-approvals on credit Karma at first I didn't pay it no attention but credit karma kept sending me all sorts of all different pre-approvals telling me that I was pre-approved for credit cards, personal loans and that I can refinance my car. Every day I would see these offers I logged in to check my credit scores. So after a few months of being told I was pre-approved I thought I was now in the perfect place to apply. I got so many offers through credit karma I started telling my whole family about vacations and investments we where going to use these pre-approvals for. So I finally applied on are some time around XXXX  and I got denied for two credit cards and a personal loan. I was distract, I was very angry and I felt decived. I was markted to for months, so credit karma told me that I was pre-approved this was a LIE. I was servely stressed out, I was nauseous for weeks, I had XXXX  so bad I became antisocial. My XXXX  went from XXXX to XXXX now everytime I see pre-approvals I immediately close my phone and shut it off. This has made me so uneasy and XXXX  that i haven't checked my credit as frequently.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute on XX/XX/year> to validate the validity of the invalidated items below Which Equifax failed to do so. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency. 

XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX
Product: Credit card or prepaid card

They took me through so much they denied me at first them finally approved my claim XX/XX/XXXX I was told that once it was approved I would have my funds now here we are its approved and I still dont have anything in my account but the Definitely made sure that they took out their adjustment credit fees I need my funds now and dont have them all they have to do is send me my funds and they still have yet to send me my money back to my account this has been my worst nightmare I have until XX/XX/2021 to pay my bill and still do t have my funds and not ton mention I was told that I could not get another card until my balance was brought back up to a positive balance all because One of the agents said that they seen a positive balance in my account back in XXXX and try to re-issue me another card and it not only denied her but it also close my car so now I have to wait until my balance comes back up to a positive to get another card this is ridiculous and very incompetent
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 disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite providing ample evidence, Experian reported these items as accurate with no proper investigation. I have attached the disputes where I was denied, and the items were marked as verified without explanation. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Experian 's failure to comply with this process violates my consumer rights, as they neither corrected nor removed the disputed accounts. This inaction continues to harm my credit standing. 

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 furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. 

This ongoing non-compliance violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure the maximum possible accuracy of the information they report. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's failure to act is in direct violation of federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX account for a car loan on XX/XX/year> for the amount of {$15000.00} and balance of {$4200.00} in collections. I called the company informed them and the police it was identity theft made a report and contacted the collectors still calling to collect no information is provided to me except for the phone number of the bank and the account number no other information is provided to me
Product: Money transfer, virtual currency, or money service

I am trying to link my bank account with Earnin but it did not work you need to fix that very fast because a lot of people use this service to help pay for bills
Product: Credit reporting or other personal consumer reports

Subject : **Complaint Regarding FCRA Violations Unauthorized Reporting of Negative Items** Dear CFPB, I am writing to file a formal complaint regarding ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX, XXXX, EXPERIAN For over [ 4/5 ] years, I have been disputing the following negative items inaccurately reported on my consumer report : Account Name/Number XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Also I have some inquiries that were added to my report 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 These negative items were reported without proper verification or notice, which constitutes a clear violation of my rights under the FCRA. Specifically : 1. **Failure to Provide Notice** : The creditor failed to provide me with the required notice of adverse action as mandated by Section 615 ( a ) of the FCRA before reporting negative information to the credit bureaus.

2. **Lack of Proper Investigation** : Despite my repeated disputes over the past several years, the credit reporting agency has not conducted a proper investigation or corrected the inaccurate information, violating Section 611 ( a ) of the FCRA.

3. **Privacy Violation** : My privacy rights were violated as my personal information was shared without my explicit consent, contrary to Section 604 of the FCRA.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with Lending Point, who then uses a third party selle, XXXX XXXX XXXX, for their loans distributed ( so I understand ), on XX/XX/year>. The loan was for online education, coaching & training, and courses aimed to help individuals master online selling specific to XXXX and other platforms, and I was obligated to pay {$9900.00} over a period of 60 months, with an interest rate of 27.4357 %, amounting to {$300.00} per month. 
However, the lender failed to provide the services or benefits promised in the agreement. Specifically, the contract outlined the services as to be provided as a XXXX month program, consisting of at MINIMUM XXXX coaching sessions online with a XXXX ( XXXX for XXXX weeks ) ; they also claimed it would include a weekly phone session with said coach. Nearly XXXX month after signing the contract, having had only XXXX coaching sessions in total, the company closed down, filed bankruptcy, and was reported by many of its students as fraud. The XXXX  revoked the rating of the company, and I was completely out of luck. In good faith, hoping the company would compensate its students in some form, I continued these payments for months to come, without being rendered any services. I made a total of XXXX payments of {$300.00} each, amounting to {$2700.00} paid. All of this went to XXXX services outside of the few early on that I mentioned. I made several attempts to resolve the matter directly with the lender, including disputes and written communication, but no resolution was provided ; In fact, I was provided the personal cell phone number of the OWNER of the company, and told youll have to contact the owner of XXXX XXXX XXXX. They also provided me the contact information for the third party lender they use, XXXX XXXX XXXX, who did not resolve the issue either. I contacted the owner of the Private XXXX XXXX, who said you will have to speak with the lender and not me, I dont own that company anymore, and so, here I am going in circles. 
When I stopped making payments, it was because I finally realized after 9 months of not receiving the services I was promised that nothing was going to change, it was because the terms of the agreement had not been fulfilled. Now, the lender has reported this account as delinquent on my credit report, which has significantly harmed my credit score. Further, I tried to dispute this on my report ( the only thing I knew to do, initially ) which lowered my score even further, nearly XXXX points in total. I believe this report is highly inappropriate, unjustified, inaccurate and unfair based on the circumstances. 

I request that the lender : - Remove ALL negative information related to this loan from my credit report with all major credit bureaus ( XXXX, XXXX, and XXXX ). 
- Provide a resolution regarding the unfulfilled terms of the original agreement in the form of forgiveness of the remaining loan balance, and compensating me for the total amount already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 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 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 Credit Union ( XXXX ) XXXX All fraud clams and inquiries and a fair decision would be to remove them from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I paid the loan off in full. I called in XX/XX/XXXX to have the company report the account paid in full and closed. Instead, the company reported the account closed, {$0.00} owed, and 30 days past due. I was never 30 days past due.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding XXXXXXXX XXXX XXXX ( # XXXX ) To Whom It May Concern, I am writing to dispute the information being reported on my credit file regarding the XXXX XXXX XXXX account ( # XXXX ). The account is reported as a charge-off, yet there is still a balance being reported, which I believe to be inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and applicable state laws. 

Issue at Hand : 1. Request for 1099-C : I have previously contacted XXXX XXXX XXXX requesting a copy of Form 1099-C, which they are legally obligated to issue if the account has been charged off and the debt is considered canceled for tax purposes. To clarify, my request was not for verification of the account but for documentation proving the issuance of a 1099-C. Failure to provide this documentation raises serious questions about the accuracy and legitimacy of the reported balance.

2. Reporting of a Balance Post-Charge-Off : Under the FCRA ( 15 U.S.C. 1681 et seq. ), creditors and furnishers of information must ensure the accuracy and completeness of the information they report to credit bureaus. Once an account is charged off and the creditor cancels the debt, the balance should no longer be reported as owed by the consumer. Reporting a balance after charging off the account constitutes a misleading practice and damages the accuracy of my credit report. 

Additionally, state laws may impose similar or stricter requirements on creditors to ensure the accuracy and fairness of their reporting practices. By continuing to report a balance without evidence of a 1099-C, XXXX XXXX XXXX  may also be in violation of such laws. 

Requested Action : I respectfully request the following : 1. Immediate investigation into the accuracy of the information reported for this account.

2. Removal or correction of the account to reflect a {$0.00} balance if it has indeed been charged off and/or canceled.

3. Provision of proof that Form 1099-C was issued to the IRS and me, as required by federal tax regulations. 

Please consider this letter as my formal dispute under the FCRA. I request that the results of your investigation, along with any supporting documentation used in the verification process, be provided to me in writing within the time frame specified by law. 

Failure to comply with the requirements of the FCRA and applicable state laws could result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX I thought I purchased a service to trade a time share for a vacation club membership. They asked for nthe transfer costs on XX/XX/XXXX. The first transaction was charged on my American Express Card amount of {$9000.00}. The second charge was {$1500.00} on my American express Card. In XXXX the local offices were closed and I was left holding the bag. XXXX was contacted and I was advised that the corporation that ran the charges on my card did not exist and they were nshut down by the attorney generals office and charged with fraud. This took place in early XXXX of XXXX. I had difficulty getting the old statements mailed to me. On XX/XX/XXXX, XXXX the case was filledand a letter outlining the events, as well as the attorney generals findings. Our case number is case XXXX XXXX. 0ver the ensuing months, we called AMEX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX. Each time there seemed to be a lot of uncertainty on their part as to what was happening and where their investigation stood. Each conversation was an hour or more and included promises of returning ncalls, which never happened. At one point ba card credit was posted on my account was posted and later rescinded and that just added to the overall confusion. AMEX never once alerted me about this company and I felt abandoned. I heve a long history with AMEX and have spent enormous amount of money.
Product: Checking or savings account

In XXXX of XXXX I received an online offer from CITIZENS bank to have {$300.00} deposited to my account if I make a direct deposit of {$500.00} or more with in 60 days. The XXXX was completed on XX/XX/XXXX. I have still not received the promised funds. When calling them they are telling me they do not see this offer at all. This is false, the only reason the account was opened was because of the promotion offered. 

Citizens bank is not honoring their promotion.
Product: Student loan

This is not my first issue Fedloan. 

FSA Feedback Case : XXXX Complaint Case Number : XXXX My first issue was back in XXXX I was on an income based repayment plan and started a new job that increased my salary and I was honest and submitted information regarding this increase and the new income disqualified me from the current repayment plan. I was quickly put into a standard repayment plan which I could not afford. I was confused and frequently called customer service asking for options and help understanding. I ended up being put in a situation that a graduated payment plan was the best option for me based on my circumstances. This is never anyone 's first choice but what I could afford. At one point I had to make 2 payments one month in order to not default. It was such a terrible experience making a change to my account that I have avoided and dreaded the day I have to do it again. I am and have been a XXXX XXXX for 6 years and none of my graduated payments qualify for Public Service Loan Forgiveness ( PSLF ). I am at a place in my repayment plan that the next graduated increase is coming and the payment will not be something I can make every month and I have gotten married since I initially taken my loans out. 

In order to make changes to your account your name has to be updated and must submit documentation to Fedloans about this. I submitted my drivers license XX/XX/XXXX to the upload portal on Fedloans website. I was told 7 to 10 business days for updates to my account by a XXXX customer service rep. I checked XX/XX/XXXX my name was still not updated, I called customer service and they told me wait an additional 7 to 10 business days. I checked today XX/XX/XXXX and my name was still not updated. I called customer service again and customer service stated that the documents were uploaded on XX/XX/XXXX and my name is still not updated. The rep employee number XXXX told me that a request for the name change was put in on XX/XX/XXXX and to wait until early next week for the change to be processed. I asked her what should I have done differently because I thought I did what I need to do. She stated that I should have called customer service immediately after uploading my documentation to the website. There is nothing on the Fedloan website stating that you need to contact Customer Service to inform them that you submitted information and the 3-4 times I had called customer service to discuss this issue these instructions were never stated. I was told to just upload the documents and wait. One would think that if you uploaded information that it would generate a request. This issue predominantly effects women and the company not providing correct information and a timely responds could be detrimental to the lender. How many other people are not receiving correct information or are waiting for information to be updated?
Product: Payday loan, title loan, or personal loan

In XXXX I received a letter in the mail stating that I received a special offer to apply for up to {$4000.00} and then I wouldn't have a payment on my loan until XXXX, so I applied with some upcoming medical bills I am anticipating, they denied the loan, then today, less than 2 weeks after they denied me they sent me a letter with the same wording except no payments until 2023! Stating up to {$10000.00} dollars. This is not an acceptable practice as they KNOW and I KNOW it is NOT something they can do and sending a letter KNOWING nothing is available is not an ethical or correct practice and is very distressing and harassing.