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

( 1 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX, has violated my rights. 

( 2 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX # XXXX, has violated my rights ( 3 ) n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights ( 4 ) n accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights ( 5 ) n accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX advised me there was a fraudulent account in my name opened on XX/XX/2022. XXXX XXXX sent a letter to the Credit bureaus ( XX/XX/2022 ), letting them know it was identified as fraud and that the account and inquiry should be removed. 

Since then, I have been going back and forth with Transunion with no results ; XXXX and XXXX have updated my credit report accordingly.
Product: Credit card or prepaid card

This is a report about a XXXX XXXX that I was approved for on XX/XX/2022. To date ( XX/XX/2022 ) I haven't even received the card yet but I got an email what looks like a message from XXXX, " Thanking me for my XXXX purchase with this credit card '' and it hasn't even been used yet. It wanted me to click a link to make sure I received my rewards.whic I DIDN'T do. 
None of your pre-screening data had this as a choice but after speaking to an XXXX agent he said I needed to report/forward the message to XXXX and your site. I quit using credit cards over 25 years ago but needed one to help drop the price of my truck insurance where they use credit scores to adjust your rates now. That makes no since to me but I want get into that here. 
I get alerts all the time about how someone stole a bunch of personal contact info and they want me to change my password. Millions of peoples persons had there information stole from a company and they want me to change my password? Sounds like a little work on their end needs work. It's never bothered me because nothing I have is worth stealing until now, when I have a credit card..
Product: Credit reporting

The following account debt was dismissed by the courts with documentation, but Collection Company is still aggressively attacking credit bureaus with constant adverse credit report scouring. This account was a joint account with my XXXX year old mother who had perfect credit, but now it`s ruin because they constantly report this collection to the credit bureaus in a very negative way. This excessive negative reporting is interfering with me purchasing a home. Thank you for your help and support. 

Fair Collections and Outsourcing XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Account # : XXXX Balance Stated : {$4400.00}
Product: Debt collection

Subject : Dispute Regarding Alleged Unverifiable Debt and Violation of Permissible Purpose for Consumer Credit Report - Complaint Against the CRA ( s ) I am writing to file a formal complaint against all three CRAs regarding the furnishing of an alleged unverifiable debt reported by XXXX XXXX XXXXn my consumer credit report. Additionally, I am deeply concerned about a potential violation of my rights under the permissible purpose provision of the Fair Credit Reporting Act ( FCRA ) in relation to this matter. Despite multiple attempts to verify the accuracy and legitimacy of the debt in question with XXXX XXXX, I have been unable to obtain any verifiable information or documentation supporting its validity. It appears that Experian has included this derogatory entry on my credit report without conducting a thorough investigation into its accuracy or verifying the information provided by XXXX XXXX. Furthermore, I believe that Experian may have violated my rights under the FCRA by furnishing this alleged unverifiable debt without a valid permissible purpose. I have not authorized any entity or individual to access my credit information for the purpose of reporting unverifiable debts, and I strongly believe that such actions constitute a violation of my rights as a consumer. I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to ensure that Experian complies with the FCRA and rectifies any violations of consumer rights. Additionally, I request copies of any documentation related to this investigation and any actions taken by the Consumer Financial Protection Bureau in response to this complaint.
Product: Vehicle loan or lease

XX/XX/2021 company was Credit acceptance amount owe XXXX XXXX XXXX I think not for sure. Due to the Covid 19 loss my job couldnt afford the payments anymore. The repo the truck sold it and now its still a balance owe. I cant get another vehicle because this is on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Equifax decided to add a closed account I've never had to my credit report that dropped my credit a whopping XXXX points! It's a XXXX XXXX XXXX XXXX account for XXXX flat. They just so decide to add that to my account and a few days later, my credit takes that massive hit. I've personally never opened or closed any account like that. 

The thing is, Equifax is being Equifax, and I can not log in to their website to dispute it. When logging in, their website just says, " We are temporarily unable to complete your request '' every single time I try to log in. 

Another thing is, I've had actual closed accounts before, and they only take my credit down a few points, not near XXXX. 

I worked super hard to keep my credit up, and it was XXXX near XXXX then Equifax comes and ruins it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$4500.00}
Product: Debt collection

On XX/XX/XXXX of 2017, I reacted to an offer made at an XXXX  retail store in XXXX NJ. I was trying to replace a XXXX XXXX  XXXX to the latest version, XXXX  XXXX. The salesman convinced me to take the package deal that included XXXX, and so I agreed and was expecting my new phone to arrive in the mail. On XX/XX/2017 I received the phone and it was not the model that I was supposed to get. 

I immediately returned the incorrect phone and asked for the proper phone o be sent. I was told that the phone was not part of the package so I cancelled everything but my wife 's XXXX. 


No phone, no telephone service and I have been subjected to harassment 's ever since this event. My credit score is near perfect and has been for a very long time. After the confirmed cancellation apparently XXXX XXXX XXXX sent my account to a collection agency. I refuted it through one of the credit reporting agencies, XXXX and the matter disappeared for a while until I suspect the debt collection company sold it once again to another company which is where we are now. I am harassed daily by them with phone calls. I recently disputed it one more time through XXXX. Went through the same fiasco with XXXX  and their handing of this is the most egregious. After what they said was an investigation and communication with this collection agency they had the gall to report t hat hey have determined that the debt was valid based on, get this, a certification made by the collection agency that the debt was valid. 

So that's all it took to continue this travesty. A certification without backup. 

My complaint is against XXXX XXXX XXXX for selling a fraudulent debt that they knew was invalid to a collection agency, who was grossly negligent and did the same and sold to the current collection agency, who has certified that an invalid debt was valid. What duty do these three have to take care that what they are doing is justified. I have suffered much emotionally in seeing my credit score maliciously attacked.
Product: Student loan

I consolidated three XXXX school loans with Sallie Mae, totaling XXXX. As I was going to work in a XXXX XXXX shortage area ( a rural XXXX XXXX XXXX XXXX ), I received some repayment funds through the XXXX XXXX XXXX XXXX. I requested that payments be applied to principal. I made payments totaling XXXX between XX/XX/XXXX and XX/XX/XXXX. The loan was handled by Navient. When I became aware that Sallie Mae/Navient were applying very little of the payments to principal, I contacted them. I was told the situation would be corrected. It was not corrected, despite Navient 's promises. Their solution every time I called to was place me on forbearance while the problem " was fixed ''. I did not wish to be on forbearance. In XX/XX/XXXX I advised that I would not make further payments until payments were correctly applied. My payments of over 100,000 show my willingness to acknowledge my debt. Instead of helping me to resolve the situation, Navient continued to put me into forbearance without my consent while charging late fees and capitalizing interest. As of XX/XX/XXXX Navient claims I owe XXXX in spite of the XXXX paid. Since I would not consent to forbearance, Navient has placed the three separate loans on my credit report. I have challenged these. They have acknowledged to the three credit bureaus that all of these facts are correct. I have worked for over 11 years at a rural XXXX, and was never advised of the Public Service Loan Forgiveness program Navient told me this would be referred to their " fraud department '', but I never heard from them. I have made every attempt to resolve this without pouring more money into interest only payments, but Navient shows no willingness to work with me.
Product: Debt collection

While I was employed I was garnished for almost 2000 $ when calling and trying to make payment I was told I couldn't as it had been sent to a different area in the legal department. I was then on XXXX and received notification that I still owe roughly the same amount. What started as a XXXX debt has been raised to XXXX paid to XXXX and now above XXXX again. Im Currently unemployed and it's a never ending cycle with no resolve In sight. I asked to work out a settlement and was given an amount that was no way feasible.
Product: Credit card

Subject : Complaint Against Kohl 's Credit Card ( Owned by Capital One ) I am writing to formally lodge a complaint against Kohl 's credit card, owned by Capital One, for closing my account without notification and other violations of applicable laws and regulations. 

I had a Kohl 's credit card since XXXX, which was in good standing and had been given a higher credit limit. In XX/XX/XXXX, I attempted to use my card at Kohl 's, and it was declined. Upon speaking with a representative in XX/XX/XXXX, I was advised that the account had been closed, but no additional information was provided. Despite sending a letter to Kohl 's to resolve this issue, I received no response. They violated my rights by not providing any notice of their decision to close my account. 

Additionally, Kohl 's reported a negative account status to all three credit bureaus, which has adversely impacted my credit score. In XX/XX/XXXX, Kohl 's charged off the balance. Last month, XX/XX/XXXX, I received communication from a third-party debt collector attempting to collect the Kohl 's balance. Once Kohl 's wrote off the debt, they were paid, making further collection attempts unwarranted.

Kohl 's has violated multiple regulations, including but not limited to : UCC Subsection 1-304 : This subsection mandates that every contract or duty within the Uniform Commercial Code imposes an obligation of good faith in its performance and enforcement. Kohl 's actions breached this obligation by failing to notify me of the account closure and subsequently reporting negatively to credit bureaus without justification.

UCC Subsection 1-201 : This subsection defines " good faith '' as honesty in fact and the observance of reasonable commercial standards of fair dealing. Kohl 's actions were not in line with reasonable commercial standards, particularly in terms of transparency and fair dealing.

5 USC Subsection 552 : This subsection pertains to the Freedom of Information Act ( FOIA ), ensuring public access to government records and information. Kohl 's lack of transparency and failure to provide necessary information when requested is a violation of this principle. 

Despite my efforts to resolve these issues directly with Kohl 's, including multiple communications in the month of XX/XX/XXXX, the institution has not taken the necessary steps to address my concerns adequately. 

As a consumer, I have the right to fair and transparent dealings, and it is evident that Kohl 's has not adhered to these principles. I respectfully request that the CFPB investigate this matter to ensure that Kohl 's complies with all relevant laws and regulations. 

Attached are all relevant documentation supporting my complaint, including my letter to Kohl 's, the invoice, and a list of violations. 

Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that XXXX, my student loan provider has reported my current loan status to credit bureaus. I noticed my credit score dropped for no reason. The only thing I believe could have impacted my score is utilizing the CARES Act and going into an emergency forbearance. However, based on Cares Act sect. 3513 loan servicers are supposed to report suspended payments to credit bureaus as if the payments have been made and NOT use any type of forbearance or deferment code. I believe some of the servicers are not reporting correctly. On XX/XX/13 my Experian score dropped by XX/XX/XXXX points even though my balance for my student loan had dropped. After filing an investigation with Experian it appears that XXXX is reporting to the credit bureau that my repayment status shows no payment with the remark paused due to natural disaster. This goes against Cares Act sect. 3513 : ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ; or and ( d ) REPORTING TO CONSUMER REPORTING AGENCIES.During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. Forbearance is typically a derogatory mark on ones credit report but since this is a special forbearance it shouldn't be counted as such per the above section of the CARES Act. According to the Cares Act sect. 3513 loan servicers are supposed to report suspended payments to credit bureaus as if the payments have been made and NOT use any type of forbearance or deferment code. I believe Cornerstone is not reporting correctly. I will be filing disputes with all three credit bureaus as this has had a negative impact on my score when per legislation this should not be the case. I have filed a complaint against XXXX and have yet to hear back - over a month has lapsed.
Product: Credit reporting 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 XXXXXXXX and Equifax Credit Agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX and Equifax Credit Report and I noticed that both are still showing charge off/ collections from XXXX XXXX Account # XXXX is still posted on my report : Your company XXXX XXXX XXXX and Equifax Credit Agency has XXXX violations. XXXX XXXX XXXX has DELETED this account from my credit report. XXXX and Equifax has violated the laws by keeping the account on my credit report, and not providing accuracy. Under 15 USC 1681 Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All XXXX  credit agencies are to provide the same information for accuracy. Also, Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE the this account.This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character.

2. Negligent Enablement of Identity Fraud. 
3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . 
Best Regards, XXXX XXXX Attachments are enclosed.
Product: Credit reporting or other personal consumer reports

Well according to 15 U.S. Code 6802 ( b ) it does state A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 1 ) The original creditor XXXX XXXX violated this law. My information was shared without my consent. Also XXXX XXXX is currently in violation because they have been reporting to two third parties. XXXX and Transunion. Without my knowledge and consent. 
As the consumer I was unaware that my personal information was given to a third party and then by that third party reported to two other parties.

I havent received an initial notice by mail or electronically from this company. This is my second complaint to this company.

15 Usc & 1692 C does state Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681c no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX and Transunion have both violated this. My personal information such as my birth date, employment history, phone numbers, and old addresses. The only thing that should be on my report are criminal convictions. These are violations of the FCRA. Also the account from XXXX XXXX XXXX XXXX XXXX on my reports is another violation. 

12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' As I have carefully mentioned in the complaint before. I am opting out their reporting services.
Product: Credit card or prepaid card

I apply in branch for a secured card they made me open a savings account to freeze it now I call they said I was denied and to apply for a loan instead this is crazy they cant tell me what to do or which product I want not fair they refuse to approve me secured card application after doing what I was told to go in branch and open the savings which I did and they now tell me I dont qualify such a waste of time
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XXXX XXXX : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XX/XX/XXXX ( 90days late ) XX/XX/XXXX ( 120 days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late ) XXXX XXXX XXXX XXXX : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late )
Product: Credit card

I have been dealing with some serious health issues and forgot to pay my Sam 's Club Mastercard bill on-time. The total due that month was {$59.00} and due on XX/XX/24. I have paid my bill in full now today, XX/XX/24 which included charges not even due. On XX/XX/24, I was charged a {$40.00} late charge on a less than {$60.00} bill! I contacted Synchrony Bank to get the late charge reduced to the {$8.00} that is now the cap implemented by CFPB. They refused. They stated ; " The government has provided credit card companies a period of time to make the necessary changes. Synchrony will implement any required changes to late fees by the required date and will inform our customers of changes via the usual channels. '' The change was made in XXXX and companies were given 60 days to implement the change. It is now past the 60 days given to banks. Synchrony Bank, with a market cap of {$17.00} XXXX dollars should have been able to implement the change in 60 days. They chose not to in order to continue to charge exorbitant late charges hoping that the average consumer wouldn't know or remember this change was coming. I believe this is taking advantage of consumers who don't keep up to date on these changes. They will continue to charge these excessive late fees unless the government steps in and stops them.