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

A dispute was created on XX/XX/XXXX regarding an existing issue. The issue is that a negative pay status was reported on my account on XX/XX/XXXX which caused credit score to decline. Since XX/XX/XXXX my credit has been increasing due to timely payment, loan pay-off, etc. Credit score has increased by at least 30 points. Recently, an inquiry/dispute was opened with Experian due to new evidence which I believed would have been helpful for Experian to over-turn the neagtive pay status. On XX/XX/XXXX, 10-days after the dispute was opened, Experian reached out with the dispute result. 

The result stated that the negative report can not be over-turned. The issue is that Experian removed the negative pay status that was created on XX/XX/XXXX and re-inserted the negative pay status once again on XX/XX/XXXX which caused credit score to decline sharply. Not only there was no gain from the dispute/inquiry created with Experian, but somehow the dispute adversely affected my credit score. I was not warned that creating a dispute will cause credit score to decline. I have been paying all my bills on time which was causing credit score to increase. It is extremely unethical for a credit reporting agency to adversely affect a credit score for a simple inquiry. This adverse activity was not caused by new untimely payment or any new issue. The negative pay status had already existed and nothing was gained. 

I am asking that Experian would re-adjust the negative reporting status as well as the credit score. A  simple dispute should not decrease a credit score by any margin. I have been paying all bills in a timely manner. If I had know this would happen, I would have never created an account or created any inquiry/dispute. The dispute was outstanding for only 10 days and there was no again. My credit score was adversely affected by creating a dispute, how is this ethical?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights. 
15 U.S.C. 1681 section 602 A. States that I have a 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.

This company has not validate any debt.
Product: Credit reporting

I have never gone by the name of XXXX XXXX as reported in the Experian credit report.
Product: Student loan

Hello, I suspect that my student loan servicer, Edfinancial, is deliberately committing financial fraud and I believe I have enough evidence to prove a probable cause for investigation. I hope that, upon reviewing my evidence below, you are willing to work with both the Department of Education and the Department of Justice to remedy this issue.

A policy of Federal student loans is that if a borrower signs up for auto-pay, there is a .25 % deduction in their interest rate. This may not sound like much, but adds up over a large loan and a long enough time. To take advantage of this incentive, I signed up for auto-pay with Edfinancial and received a confirmation email for it. I regularly auto-pay out of this bank account and was not informed of any failures by Edfinancial. When the payments were due, however, the auto-pay did not happen. This went on for a while without my notice. I eventually noticed the failure and had to pay manually. My .25 % deduction did not apply as autopay was not actually set up despite their confirmation email. Additionally, my otherwise solid credit score has been negatively impacted by this failure and potentially cascading consequences for my financial situation in the future. 

Believing this to be an error, I looked online for further examples and found examples going back many months. Here are some examples of others online who had the same struggle as I did : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are just the examples from the front page of XXXX found within my first minute of research. I am certain that there will be many more if, for example, a federal government department that was paid to investigate fraud were to look into it. As reported by users here, this is a problem repeatedly reported by many users across many months. As someone who works in an IT company that often pushes out fixes in a couple of weeks, I hope you can trust me when I say that this is well enough time for a company to program a fix. The fact that this is an ongoing issue makes me believe that this is deliberate and that Edfinancial has a monetary incentive to not give us the .25 % interest deduction.

If you agree with me that this evidence is at minimum suspect, I hope you work with the appropriate authorities to stop Edfinancial from unjustly enriching themselves at the expense of studentsandgraduates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. I also request that Liens ref numbers : FEDERAL TAX LIEN Ref # XXXX, FEDERAL TAX LIEN Ref # XXXX. Verified with the courts last XX/XX/XXXX, that these liens have been withdrawn. No citation of my name, SSN or DOB. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment history. Please conduct a proper investigation and remove these items from my credit report.
Product: Vehicle loan or lease

Was told I will receive restitution from the company because of the illegal or interest rate charges and CF pb ordered the company to deposit money into account for victims relief fund file previous complaint was told the company was out of business so I'm filing a new complaint and I'm going to upload some documents relating to the business idea with the company
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 


XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

I want to start off by saying I am a consumer of the United States of America Corporation, pursuant to 28 USC 3002 and I am aware of my rights. I recently attempted to extend my credit by doing a consumer transaction on XX/XX/2022, and was shocked when I was denied, there were a number of frivolous reasons on why you did not approve this transaction. This included you all going to third party agencies and receiving information, that I the consumer, did not grant access to, which is infringing upon my rights to privacy, pursuant to 15 USC 1681 ( a ) ( 4 ) I am protected under the FCRA ( Fair Credit Reporting Act ) and I can not be discriminated against, with respect to any aspect of a credit transaction according to 15 USC 1691 ( a ). You used my social security number, which by law is a credit card and still denied me, when I am the one doing you a favor. Pursuant to 15 USC 1602 ( g ). I am the original creditor, and lender who was attempting to extend my services to you. Additionally the use of your elaborate mechanisms that did not provide specific reasoning on why I was denied pursuant to 15 USC 1681 ( a ) ( 2 ). I would like you to be straight forward with me, as I am with you and tell me why you thought it was okay to infringe upon my right of privacy, just to reject me extending my credit to you, because there are no valid reasons pursuant to 15 USC 1681 ( m ). With all of that being said I am fully aware that I can't be denied for credit ( only insurance and employment ) you can not send me an adverse action seeing as I already completed the transaction when I did the credit application ( extended credit ) 15 USC 1691 ( d ) ( 6 ).

2. ) It's aggravated identity theft because you took my application and entered me into a consumer credit transaction ( knowingly took my l business credit application and opened up a checking account without my permission ). 
I swear that all of the information provided herein, under the penalty of perjury that the information i so affirm to be true and accurate to the best of my ability and knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$17000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX
Product: Mortgage

After XXXX years we finally received an escrow statement from our mortgage company. There were several items that we incorrect. 
1 ) We had overages that we were never notified of, and have no idea where the money was applied. 
2 ) They do n't show a XX/XX/XXXX, or XX/XX/XXXX and XX/XX/XXXX. They do have XXXX payments posted without a month attached. 
3 ) We have made extra payments From XX/XX/XXXX-XX/XX/XXXX and have no way of knowing where the money was posted. 
4 ) The beginning balance they show as XXXX, it should have been the amount they received from XXXX XXXX XXXX which was {$2100.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX XXXX Report. 



Subject : Urgent Notice for Immediate Removal of Inaccurate and Unverifiable Accounts Dear Credit Agencies, This letter serves as an urgent notice regarding your failure to properly investigate and dispute the accounts on my credit report. These items are inaccurate, unverifiable, and the result of identity theft. The continued reporting of false information not only violates my consumer rights but also invades my privacy with damaging and false data. 

Under FCRA 607 ( b ) and FCRA 611 ( a ) ( 1 ) ( A ), you are required to ensure the maximum accuracy of reported information and thoroughly investigate disputes. Additionally, FCRA 609 ( a ) ( 1 ) mandates providing verifiable documentation to justify the reporting of any accounts. 

Case Law References : XXXX XXXX XXXX Bank of XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ) Creditors and bureaus must remove unverifiable items. 
XXXX XXXX XXXX ( XXXX XXXX XXXX ) Reiterates the requirement for accurate and verified credit reporting. 
XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) Prohibits re-reporting unverifiable accounts without notice. 
This matter can not wait 15 or 30 days for resolution. I demand the immediate deletion of the following accounts within five ( 5 ) days : Potentially Negative XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$700.00} Status Collection account. {$700.00} past due as of XX/XX/XXXX. 
- Unverifiable and identity theft. Breached Equifax XXXX XXXX - Unverifiable and identity theft. Breached Equifax Date opened XX/XX/XXXX Balance {$330.00} Status Collection account. {$330.00} Failure to comply with this demand will result in formal complaints filed with the CFPB and FTC and potential legal action for damages caused by these inaccuracies. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

This is a follow-up to this complaint ID : XXXX. 

In this complaint, I think BOA is violating regulation E by not issuing me a provisional credit after 10 business days of the investigation. I was contacted by BOA agent via email after my first complaint but was never replied again ( Attached screenshot of email below ). I think BOA is deliberately ignoring my request and breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX this account was paid in full and lien released to XXXX XXXX and reported/updated to all three credit bureaus on XXXX XXXX, stating this account was paid in full and closed. The car I purchased had an acceleration defect in which the dealer I purchased the car from, after several attempts was unable to fix the issue ; I made a compliant to XXXX, who decided to repurchase the car under the California Lemon Law. Under this law it states that if a car is bought back by the dealer or it's manufacturer, all money paid toward the car ( down payment, car notes, repairs, car rentals etc. ) is to be refunded minus the mileage usage. I received a letter dated XX/XX/XXXX as proof of the account being paid in full and closed and lien released by Credit Acceptance, as well as the breakdown of all monies received to pay off the car and what i would receive as a refund. After a couple months Credit Acceptance reopened the account and reported that I owed XXXX, followed by another XXXX a couple of months after that totaling XXXX showing that I owe on all three credit reports. These are the two car payments that were due to be refund to me from the repurchase of the car. I do not owe this money and have disputed this inaccurate information with the credit bureaus numerous times and the company keeps reporting back that they have certified that the information is accurate and for the account to remain on my report as is. So I decided to dispute this account directly to XXXX  on XX/XX/XXXX and uploaded all the proof to verified this account was indeed paid in full/closed per the letter from Credit Acceptance. I received results today, XX/XX/XXXX stating the account status remains the same as me owing, and that the company sent certification again that this information was accurate. I asked XXXX  numerous times to send me the certified information to me so I can review it and the representative named XXXX at XXXX, stated that I would have to subpoena that information if i wanted it. XXXX has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. XXXX is basically taking the word of Credit Acceptance because  they are being paid by that company to report this inaccuracy on my credit report. I am tired of the back and forth with both the company and XXXX. I need help from another agency now.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX. In XXXX, I was attacked at work and caught XXXX caught in addition to the attack. I became XXXX and required XXXX XXXX. I am still recuperating. 
XXXX offered me XXXX forbearance for 3 months in XXXX. I accepted. This extended the lease by three months. I have paid the payments faithfully. 
When the lease expired, I explained to XXXX that I could not sign a one year additional lease because I was unsure of the disposition of my XXXX case. I agreed on four months. But when they sent the paperwork, it was a one year lease. 
XXXX says I signed a other lease but I did not. It was not as we agreed. 
My payments are current but this morning they towed my truck to an impound yard 40 miles away. They gave me no notice. 
I had to keep large items in the truck such as cases of my dog 's food. When I needed things, I would get help to bring it into the house. 
My son was XXXX  in XXXX. There were sentimental items I kept in the truck because I used them at his memorials. 
I was in the XXXX  XXXX XXXX from XXXX with a XXXX of XXXX. 
My daughter is XXXX with XXXX right now. She can't help me. 
I was struggling to make the {$420.00} payment with insurance on top of that but the payments are current. I rarely drove the truck due to my XXXX. I was hoping someday to be well enough to visit friends and family again. 
I feel XXXX was very unfair to consider my XXXX XXXX as 3 missed payments a year after the plan terminated. I am unable to get my personal property at this time as they took it so far away. I believe XXXX violated their commitment to the Forbarence plan and disrespected me as a XXXX person. 
I've sacrificed to keep my credit in decent shape during this disaster and I'm afraid XXXX will put a repossession on my record. 
Thank you
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, I want to highlight how my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681, have been violated by the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK. 

In particular, 15 U.S.C. 1681 Section 602 A emphasizes my fundamental right to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 clearly states that a consumer reporting agency can not furnish an account without my written instructions, underscoring the importance of my explicit consent.

Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) Section asserts that no consumer reporting agency may include certain adverse information in a consumer report, unless it is related to records of convictions of crimes that precede the report by more than seven years. This provision further safeguards my privacy.

Lastly, according to 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for any entity to provide inaccurate information about a consumer to a consumer reporting agency. This stipulation reinforces the necessity for accurate and fair reporting.

In summary, I believe that the actions of these accounts, as outlined in the Fair Credit Reporting Act, have infringed upon my rights and compromised my privacy and confidentiality.This stopping me to get new credit cards, get a new card, grow my business and help my family and improve my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please correct my XXXX Credit and all credit reports including Equifax and XXXX to ONLY show address listed from the two required forms of documentation I have provided. These other addresses are incorrect and belong to someone else. Please advise ASAP! Thx! XXXX
Product: Credit reporting or other personal consumer reports

PLEASE HARD RESET MY EXPERIAN BECAUSE THE MEMBERSHIP WAS NOT OPENED BY ME AND I WANT TO OPEN ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

this credit card account is on my credit reports I ask this copany to send me something in writing with my signature on it showing that this account belongs to me they have not produced yet if they cant prove that it is my account then it needs to be removed from my credit file
Product: Debt collection

I had 18 missed phone calls from Thunder Bird Collections within like fifteen minutes. XXXX would call and go to till voice mail and then immediately called back. He also called my grandfather and utilized the same tactics. This was also done after I had told him not to ever contact anyone besides my cell phone number that I provided. Today he even called the place I work when I told him to only contact my cell phone.
Product: Credit card or prepaid card

Disputed Account still remains on my report. Card was opened fraudulently. I had no knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, and do not belong to me in any way, not even sure how someone else account crossed with mines, Im demanding that these accounts be removed immediately.

1 ) XXXX XXXX XXXX 2 ) XXXX Card Services
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far in disregarding my disputes. AGAIN, this state is unbelievable! Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation or Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE these items that caused me so much trauma. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

The Chase banks credit card information balance listed is not correct. 
The erroneous reports a balance on the card. 
The credit card balance is paid in full.