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

Last month, I discovered that a previously unreported credit account suddenly appeared on my Equifax and XXXX credit reports, yet it is absent from my XXXX file. This unexpected appearance of the account raises serious concerns about its legitimacy. Upon reviewing the reports, I found significant discrepancies in how the account is presented between the two bureaus : Account Name and Number Differences : On Equifax, the account is listed under the name XXXX XXXX XXXXl with the Account Number unknown. On XXXX, the same account is reported under the name XXXX XXXX with Account Number XXXX. 
Timing of Reporting : This account was not present on any of my credit files before last month, indicating that it was added without my knowledge or authorization. 
Additional Reporting Inconsistencies : In addition to the differences in the account name and number, the two reports show further discrepancies in the reported payment history and creditor information. These variances suggest that the information is unverifiable and possibly fraudulent. 
The inconsistent and unauthorized appearance of this account violates the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 611 requires that any disputed or unverifiable information must be promptly deleted from a consumers credit report. In addition, FCRA Section 623 mandates that furnishers provide only accurate and verifiable data, while FCRA Section 604 restricts the reporting of credit inquiries and accounts to those with a legally permissible purpose. The conflicting details between Equifax and XXXX indicate that the information being reported is inaccurate and unverified, which has already adversely affected my credit profile. 
I have attached copies of the relevant Equifax and XXXX reports as supporting evidence of these discrepancies.
Product: Student loan

Is the US DEPARTMENT of Education XXXX? 

WHY do I KEEP receiving these assenine e-mails AFTER payments post to my AidVantage account? 

See attached documents for further information.
Product: Credit card or prepaid card

I am being XXXX XXXX for the US Military. Per the SCRA and California XXXX, American Express was to respond and lower my APR to less than 6 % within 30 days. I opened a case with them ( XXXX ) on XX/XX/XXXX. To date, XX/XX/2023, they still have not responded. I have called, emailed, and uploaded all the required documents. This is very frustrating and stressful, frustrating, and illegal. 

Please help.
Product: Credit reporting

I reached out to Equifax via phone about excessive amount of unauthorized/Fraudulent inquiries on my report. Numerous rep refuse to dispute and or remove the inquiries. I 've sent in certified letters disputing the unauthorized inquiries and they refuse to remove them. I finally went online after finally having access to online disputes and I disputed these inquiries and as of yet Equifax is refusing to remove the fraudulent/unauthorized information from my credit report
Product: Debt collection

I have disputed a debt from XXXX XXXX XXXX and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXX XXXX stating the amount owed and correspondence from XXXX XXXX wherein XXXXXXXX XXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the credit reporting agencies multiple letters about inquiries reporting on my report without authorization from me, I have tried to contact the company as well with no success. I have uploaded the letters that was returned to me due to vacant property, FTC REPORTS ALL COMPANYS AND CREDIT REPORTING AGENCIES MUST BE IN COMPLIANCE DISPLYING ACCURATE INFORMATION.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which 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 ( learned through more research both parties require ). Please block/remove these files. 
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
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Pentagon Federal Credit Union ( penfed.org ) Application for Line of Credit for Investment Property Closing documents for loan received XX/XX/2019. 

Closing documents included a document entitled : " Occupancy and Financial Status Affidavit '' ( PenFed XXXX ( XX/XX/XXXX ) - XXXX XXXX This document requires a signature certifying that the property being mortgaged will serve as my primary residence. 

PenFed Credit Union was aware that the property WOULD NOT serve as my primary residence. I brought this fact to their attention ( representative name XXXX XXXX ). XXXX XXXX assured me that PenFed understood that the property was not to be my primary residence, yet he informed me that the document needed to be signed, anyway. 

The document states that the Federal Credit Union Act ( 12.U.S.C.1751 ) prohibits Pentagon Federal Credit Union from making a mortgage loan on a home that will not be the principal residence of the member. 

The fact that the property WOULD NOT be my principal residence was submitted multiple times, although the application process encouraged me to say that I " could possibly '' reside in the property ( apparently in order to get around the FCUA regulations ).
Product: Checking or savings account

I disputed unauthorized transactions with XXXX XXXX from XXXX XXXX XXXX  for XXXX it was a duplicated trasaction. XXXX for XXXX from quality inn. And a new one for peer to peer transfer for {$30.00}. The denied the first XXXX. I wasnt able to dispute the peer to peer. And they claimed to have sent me an email regarding the dispute but i have no record of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and had 143 million accounts stolen including social security number, drivers licenses, personal information. 
This happened in XXXX 2017 and I did not know anything about it until I saw it on the news. 
They need to be investigated and taken to task and be for why it took a month and a half before it was known they had a security breach of this magnitude. 
Also why are they not required to notify every single person by mail whose information may have been impacted. 
Thank you
Product: Checking or savings account

This Account is with Capital One Bank, the account in question belong to my decease brother XXXX XXXX who pass away, XXXX XXXX. My brother was not married nor did he get any children 's. So I found out that my brother had his account with Capital One, went to Capital one bank, I informationed the bank of the passing of brother, showed the paperwork that I got from the XXXX XXXX listed Me XXXX XXXX XXXX as his admin for his estate even thought he does not have nothing much, Now from that time till now Capital one Bank is giving me a run a round about the money that was in the account. After the back an fourth between email 's and phone calls, I saw a statement for the account where the funds was taken from his account by XXXX, I file a complain with capital one bank fraud department about it, and still haven't got no response from capital one bank to this day.
Product: Vehicle loan or lease

I have had a used vehicle with Lobel Financial for almost 5 years. They have received my information for insurance and I have maintained full coverage throughout the entire time. The never verify check that the insurance is still in force before charging an LDW fee on the policy. This has gone on for years. They add this fee onto your regular monthly payment. My monthly payment I make is about {$500.00}. I tried to make my payment this month and it was increased to {$730.00}. It would not allow any payment below. It would not take any form of partial payment. I talked with their representative on the phone which the company has recorded. They do not allow communications via email or give a contact number for anyone. At about 11 days past due I found a representative that was going to resolve the issue by verifying my insurance. They told me they will look into this over the next week to 2 weeks. I asked if I can just make my regular monthly payment while he resolves the issue because I don't want it to harm my credit. He said he needs to resolve it first. He told me to make sure I answer when he calls back so I can make the payment. I confirmed with their employee that while he is resolving the issue, my account would not be reported to credit reporting agencies if it made it to the 30 days past due while they are resolving the issue. He assured me that it wouldn't report to the credit agencies and I would need to make my payment once it is resolve. He did not give me any other options to pay.

Since that conversation 2 and a half weeks ago. I received a 30 day past due on my credit report. I have contacted the company multiple times between then and requested to be put in contact with a supervisor. No supervisor has returned my calls. I was able to have a representative tell me XXXX a supervisor would call me on XX/XX/23 and he did not. I called again today XX/XX/23 and was able to reach him. He said they resolved the insurance issue on XX/XX/23 after I called again. I said great I would like to continue resolving the issue and make my payment without it harming my credit like I agreed to with their representative. XXXX said they will still report it as 30 days past due. He said he doesn't have the power to resolve the issue, and even though the employee agreed to that, they can still report it. He said he will ask the Manager to call me. He refused to give me an email address, or number to them. He also refused to give me a name of who is above them.
Product: Credit reporting or other personal consumer reports

I am requesting My payment history to be deleted from all 3 credit XXXX, Equifax and XXXX. I Have explained truly and detailed that i was going through financial hardship during the month XX/XX/2023. I Lost my XXXX grandmother during that month. I was out of the country, Going thru grieving and out of my 3 year lease term I have never once missed a payment.
Product: Debt collection

Ive disputed the validity of this debt. The company previously removed this debt because it was the result of identity theft. Portfolio Recovery is now reporting this debt again, they just changed the amount theyre reporting. Theyve provided no information for debt validation and/or debt verification. The amounts are between the original creditor and this collection company dont match and neither have been validated. This is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXX should be promptly removed to prevent further damages related to the FCRA violation. The information is incorrect. It hasnt been validated. This collection company are reporting different information for the same account than what the original creditor listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$760.00}, XXXX XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX Balance : {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a Capital One credit card that I m cardholder since 2006, I never had a late payment or any type of issue, this card has not been used since 2 or 3 years since I decided not to used anymore but I didn't closed the account to not affect my credit score since I m not using the card I do not use my online access either but was until last week that I realized that my credit score went down 95 points and i started researching and they had charge me a card membership fee for {$39.00} dollars what I didn't know or didn't remember and they try to charge my bank account but they had an old bank information and the payment was returned, I do understand that its my responsibility and that this credit card even though I m not using for almost 3 years they haven't closed the account. But I would like to get help since because of {$89.00} dollars they report to the credit bureau and that make my credit go down by XXXX points, I m in the process of buying a house and this has stop the process, since this has affected so much the process, I'm asking to please help me to remove this from my credit since my credit history has never been so affected.
Product: Credit reporting or other personal consumer reports

They said i missed payments on XXXX and XXXX of 2024 Ill show you proof that I paid They also have other payments when I had a XXXX balance and still reported late payments when I had no balance that they said they were going to delete. Its currently 8 late payments on my credit thats reporting that I did not miss and its affecting my credit score. I am currently current on this card and have been but I keep having this issue. If they do no remove late payments I will pay the card off and close
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zell 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Mortgage

Today XX/XX/XXXX I received a letter dated XX/XX/XXXX that my mortgage is increasing by {$74.00} per mom after an escrow analysis was done. The letter informed me that the increase is effective on XX/XX/XXXX. I immediately called XXXXhe servicing company XXXX  number listed on the letter and was greeted by a young lady by the name of XXXX ID number XXXX who explained that since the letter was dated XX/XX/XXXX that there is nothing she could do to assist me in extending the effective date even though I was only notified 19 days prior. I asked her why nothing could be done, She told me that since I didnt seem to like her answer that I could with call Lakeview the Finance company or speak with her manager. She transferred me to a woman who claimed to be a manager by the name of XXXX ID number XXXX who stated that because the letter was dated XX/XX/XXXX theres nothing she could do to help me. She placed me on hold and came back and said that the letter was available to me online under my account on XX/XX/XXXX. I then asked her to confirm for me when they received my XXXX mortgage payment thats made online every month, she stated on XX/XX/XXXX. I asked her then how am I supposed to know as a first time homebuyer to look for such a letter AFTER Ive already made my XXXX payment, that I access my account when its time to make a payment and at that time there was no letter there. She then offered to transfer me to an escalation line. I asked if I would have to explain all this to yet another person, XXXX assured me that she would warm transfer me so that she could let the person who answered know what was going on. After being on hold a few minutes a person greeted me by the name of XXXX ID XXXX, she had no knowledge of what was going on and stated that no one told her that a call was being transferred to her so I had to explain all over again and to no avail I got nowhere with her. She stated that all she could do was waive a late fee if I needed to pay late. I explained to her how hard Ive worked on my credit, that my payments are always early for that very reason, that what Im asking is for a proper 30 day notice that a XX/XX/XXXX effective date would be fair ... she was no help AT ALL. I am now forced to try to figure out how I will be able to come up with the rest of the funds for this increase. The amount may not seem like much to most but to a single Mother, it means a great deal.
Product: Credit reporting or other personal consumer reports

In accurate credit monitoring and the fees associated with the card.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XX/XX/XXXX po box 27170 Washington, DC 20038 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX cell XXXX XXXX XX/XX/XXXX. 
Last 4 of SSN *** ** XXXX To Whom it may concern : My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I attached proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports. 

See attached : 1.Letter sent to Equifax on XX/XX/XXXX and 2nd letter sent on XX/XX/XXXX. 
2. Letter to Equifax evidence of credit score manipulation.

3. Letter from XXXX XXXXXXXX XXXX fraud investigation removing fraudulent account from my credit reports.
Product: Payday loan, title loan, or personal loan

Cash for whatever rep : XXXX called my work to request payment. I advise him I am not allowed to receive calls at work. For the company to contact me only through written form. This was on XX/XX/XXXX. Since then they have contacted my personal phone every day and they keep calling my work several times now. They just contacted me today XX/XX/XXXX to my work. Rep. XXXX called to request payment. I advised them I'm aware of the debt and will pay it as soon as I can. And still they keep on calling.