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

I worked for a company that had an XXXX XXXX account and that issued employees cards. If an employee used the card for personal purchases, then the company policy was to pay XXXX XXXX directly for the amount used. Which I an other employee 's did. The company went under during Covid and I began getting notice 's and bills from XXXX XXXX addressed to me personally. Mind you I have never had a personal XXXX XXXX card or account and in fact was denied a card the only time I applied. I Made disputes which XXXX  replied to the credit bureaus that it was legitimate without supplying a copy of the application or any personal identifying information. I notified the Consumer Financial Protection Bureau and XXXX  at least adjusted my credit score but did not remove the false delinquency information. The other two agencies still have my score over XXXX points below XXXX ( XXXX XXXX. XXXX XXXX responded to me that since I paid my portion of the Bill I was responsible for the balance of the Company 's bill! I spoke with a person who would only provide her first name, XXXX, and she said its their policy. It's a crime to tell a deliberate falsehood to a regulatory type agency like credit bureau 's. I questioned if the other former employee 's were also targeted and they would not answer. But my contact with them disclosed that none of them contacted received any deliquencies from XXXX XXXX. The company was a S-corporation with its own tax id number and the law provides XXXX XXXX with a way of addressing the corporation. XXXX XXXX choose to notify the credit bureau that the accounts were closed but in doing so the closure remains as a delinquency on my personal report. a delinquency that has been closed is still a delinquency in the eyes of other creditors. I have been denied the smallest of credit lines and denied the ability to refinance my mortgage with the historically low interest rates because of this action. i know that XXXX XXXX is a large corporation but they should not have the right to submit false unsubstantiated delinquencies without governance. I would like your help in having the false information completely removed from all of my credit reports. Closing of the account is not removal from the report. if the CFPB is unable to have the credit bureau 's correct clearly wrong delinquency information on a Credit Report, then it's effectiveness is limited at best and useless at it worse. 
My research shows that this is a new agency and therefore may not be fully aware of the effect that actions like mine have on a persons credit life, but I also found it that the creation of the Bureau was for such a time as this. Thank you for your time and anticipated help in this very important matter.
Product: Mortgage

On XX/XX/XXXX, I submitted an online mortgage payment that was due on XX/XX/XXXX. I immediately received an electronic confirmation that my XX/XX/XXXX payment had been received and processed. On or about XX/XX/XXXX, I received a letter from the lender dated XX/XX/XXXX, stating that the lender had " received the funds to pay off [ my ] loan. '' Although my property address, Loan number, and FHA Sec/Case Number appeared to be correctly referenced in the lender 's XX/XX/XXXX letter, I was puzzled because I had not paid off the loan, had not discussed paying off the loan with the lender, and had already made important arrangements to celebrate with family and dear friends, the unprecedented occasion of me paying off my first home mortgage loan after what had been planned to be my final payment on XX/XX/XXXX. 

On XX/XX/XXXX, I reached out to the lender concerned that perhaps another borrower 's payment had been incorrectly applied to my account. When I called the Customer Service telephone number that appears on my monthly loan statement ( XXXX ), I was connected with " XXXX '' who explained to me, unsatisfactorily, that it is a " ... standard, and common practice for mortgage accounts to be paid off with the escrow whenever the principal balance is less than the escrow. ''
Product: Debt collection

I am extremely dissastified and frustrated with the handling of my recent disputes regarding certain accounts on my credit report. Despite my repeated efforts to seek validation of the debts in question, there has been a glaring lack of information provided by your bureau. The following accounts are causing me immense distress, and I have yet to receive sufficient evidence validating these debts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I emphasize that I am the victim of identity theft, and it is perplexing and infuriating that your bureau has not complied with the law to ensure accurate reporting and debt validation. The other credit bureaus have responded appropriately to my disputes, leaving me bewildered as to why your bureau persists in this non-compliance. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows 2 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.
Product: Credit card

Never received original letter discussing debt nor repayment options Have been garnished for over the original amount owed Account continues to accrue interest No statement provided each period as required by law- FDCPA and truth in lending disclosure AAFES defers to XXXX however AAFES  still garnished tax return- if debt belongs to XXXX now , how can it be treated as federal??
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following Accounts, has violated my rights. 

DPT ED/XXXX Account # XXXX, XXXX, XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX, XXXX XXXX- Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX- Account # RPPJ**** XXXX XXXX- Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX- Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also there are unauthorized Inquiries that are not made by me and need to be removed immediately according to FCRA Section 609 & 611. 

XXXX XXXX XXXX Date Inquiry : XX/XX/XXXX - Experian XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date XXXX : XX/XX/XXXX - Experian XXXX XXXX- Date Inquiry : XX/XX/XXXX XXXX Experian XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX - Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX  - Date Inquiry : XX/XX/XXXX - Experian XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX  - Date Inquiry : XX/XX/XXXX - Experian XXXX - XXXX Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX
Product: Credit reporting, credit repair services, 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 rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022 ;
Product: Student loan

I called Navient about repayment options on my loans. I have two private loans, and it is difficult to pay the minimum monthly payments. When I called they advised me that they do not have repayment options available for me. Basically saying if you fall behind oh well, but these are your terms and we cant do anything for you. I need flexible payment options like extending the maturity date to lower the payments and a lower interest rate.
Product: Credit card or prepaid card

My elderly parents ' " XXXX XXXX XXXX MasterCards '' were stolen from their assisted living apartment. I called MasterCard when I discovered this. I provided my parents ' social security numbers, and XXXX confirmed that the address on the account had been changed and that fraudulent charges had been made. MasterCard would not speak with me further without a written power of attorney ( POA ) in their possession or oral authorization from the primary account holder, my father. I explained that my father had just had a XXXX, was partially paralyzed, was on a heavy XXXX regimen, was on XXXX, and could not speak to them. Nonetheless, they refused to speak further with me or to cancel the cards or put a block on the account. Some days later, I faxed them the POA. They advised it would take 3-5 business days to process the POA. I called back 4 days later. They still were not willing to speak to me, saying the POA had not been processed yet, but would be at some time in the future. They still refused to send new cards, change the account number, or otherwise protect my parents ' interests.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and EQUIFAX credit bureaus to confirm these records XXXX XXXX XXXX XXXX XXXX XXXX. I'm confident the contested records are settled. 
US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

a Federally protected consumer under title 15 chapter 41 ; Pursuant to subsections ( a ) and ( b ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent, I NEVER GAVE XXXX my written consent to report anything on my consumer report 15 U.S Code 6802 ( a ) and 15 U.S Code 6802 ( b ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k. A copy of the law is attached with this dispute letter. 

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

XXXX ( Tracking # XXXX ) The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

Equifax ( XXXX # XXXX ) The item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

XXXX ( Tracking # XXXX ) The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX 

In my attached files are copies of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax constantly reports incorrect payment information, balance history, and says an account is valid after dispute when it is not. I have the statements from the merchant to prove that it isnt being reported correctly and they fail to change it. This has been going on for months preventing me from getting lines of credit to survive this pandemic. The account in concern is XXXX XXXX Credit Card XXXX The account is paid in full and closed since XX/XX/XXXX. It is reporting as maxed out with negative payment history and it is now XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have been having issues with Equifax reporting my score. I have been denied applications because the credit score cant be pulled from Equifax. I called several times to have this issue fixed and it continues to happen. I can not access it on the website or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted previous disputes to XXXX, XXXX  and Equifax on the following dates : XX/XX/20 ; XX/XX/20 ; XX/XX/20 ; XX/XX/20 and XX/XX/20 to update my personal information ; remove all previous addresses, all other names know to only reflect my current address and submitted a copy of my driver 's license and utility bill as proof of my residence. 

I have submitted previous disputes to all 3 credit bureaus to address hard inquiries : XXXX  is the only one who actually addressed the process. XXXX  and Equifax have not anything to address and or resolve this remedy of updating my personal information : of previous addresses, names, and hard inquiries which is impacting my credit worthiness. XXXX has not followed up on dispute on an alleged collection account and sent in 3 disputes to address this matter ; I have also sent 3 disputes to XXXX  of an alleged collection account to reported updated but nothing has been updated. I have provided evidence from XXXX  XXXX XXXX  Credit Reports as well a 3 bureau credit monitoring services from XXXX  XXXX to show further evidence of Date of Last Activity, ( DOLA ), Date of Last Reporting, ( DOLR ) which the bureaus are failure to utilize in my disputes. I have placed screen shots and even highlighted the inaccurate information to provide factual disputes to better my chances to have inaccurate information removed from my credit report. 

I am asking assistance from CFPB to address this matter and hope my resolution to have all inaccurate information removed from my credit report using factual disputes to remove these inaccuracies of my credit report to make myself more credit worthy.
Product: Checking or savings account

bank of america is showing on my report for something and can opne a new acct till this is fixed.
Product: Credit card

On or around XXXX/XXXX/XXXX i contacted Huntingon Bank to remove myself as an authorized user on a friends credit card account ( XXXX XXXX ). In XXXX XXXX I was assigned account number XXXX. The Bank did remove me as an authorized user on the referenced account, but is showing non willful compliance to have this account removed completely from all XXXX credit bureaus. I sent a credit bureau dispute form to all XXXX credit bureaus and was told that they will not be removing this account from credit report and it will remain 7-10 years. I am in the middle of purchasing a home and with this showing on my credit, it has affected my chances for loan approval.Huntington Bank supervisors show no compliance. Huntington Bank under federal law must remove an account from credit report in which the account does not belong. Every other bank has honored my request and has fulfilled the federal law requirements
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. 

XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXXXXXX XXXX XXXX Account XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX  :, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX : Account number : XXXX I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today!
Product: Credit card or prepaid card

Payment made to account in full and on time. The amount of {$1500.00} processed through my bank on XX/XX/19. I called customer service but Synchrony did not apply the payment to my account and has refused to look for it. They have charged me interest, and penalties since then.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Tel : XXXX Alleged Debt Owed : {$600.00} Original Creditor : $ XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received and closely studied a copy of my credit report. To my dismay, it seems as though this company is reporting a few alleged Inquiry ( ies ) for  dates of service : XX/XX/2019 XX/XX/2019 that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of  truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.