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

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account # XXXX on my credit report. This account is reported inconsistently across the three major credit bureaus ( XXXX, Equifax, and XXXX ), with the following discrepancies : XXXX : The account is reported as closed, with a date last active of XXXX. 
Equifax : The account is reported as open, with a date last active of XXXX. 
XXXX : The account is reported as open, with a date last active of XXXX. 

Additionally, both XXXX and XXXX have placed this account for collection without my consent. The payment status is incorrectly listed as collection or charge-off. These discrepancies are not only misleading but also potentially damaging to my credit profile. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information to credit reporting agencies. The inconsistent reporting of this account, including the incorrect dates and statuses, constitutes a violation of this section. Furthermore, the FCRA mandates that credit bureaus ensure the accuracy and integrity of the information they report ( 15 U.S.C. 1681e ( b ) ). 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The placement of this account for collection without my consent violates the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of a debt. The incorrect collection status also violates 15 U.S.C. 1692f, which prohibits unfair practices in the collection of debts.
Product: Payday loan, title loan, or personal loan

I sold my house in XXXX California in XXXX. I had a loan for XXXX to fix my home and sell it. I paid everything off. The loan on my house and the additional loan. XXXX XXXX XXXX XXXX XXXXXXXX but my Aunt received a bill for XXXX. I couldn't do anything because I was XXXX Wells Fargo ruined my credit. Not until XXXX has my credit been restored. I paid everything off. Then get a bill for XXXX.
Product: Debt collection

I filed XXXX  XXXX XXXX of XXXX  and Citibank was listed on the schedule when I filed. Citi bank filed a lien on my property XX/XX/. Citibank has never sent a release to the registry of deeds to release the lien despite many calls requesting them to.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX all have incorrect or incomplete information on my credit reports regarding the only XXXX XXXX Account ( # XXXX ) on my report. I sent them dispute letters in XXXX, XXXX, XXXX, and XXXX, and they have yet to fix the problems with the reporting. They are also reporting inconsistent information across the three of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried in good faith to dispute this information with Experian and my disputes are falling on deaf ears. Experian is refusing to investigate my dispute and continues to report incorrect information. There are 2 pieces of information incorrect on my credit report. 

My first concern is Experian is reporting incorrect Account Status. Experian changed my account status to past due 90 days on XX/XX/XXXX. The account was not past due in XX/XX/XXXX so why was the Account status changed to past due account on this date? Experian can not explain why they changed the account status to past due account in XX/XX/XXXX when the account was in fact paid off in XX/XX/XXXX. As a result of this incorrect information I have been denied credit for something that never happened. I have made several requests which have also been done in writing and experian has ignored my requests to investigate this incorrect information. 

My second issue is Experian has failed to report all of my payments. Experian is reporting I failed to make a payment in XX/XX/XXXX. I have asked experian to update the correct payment history and reflect the payment made XX/XX/XXXX and Experian has yet to update this information. Please publish this information in hopes of other consumers experiencing the same problems can come together for a class action lawsuit. Experian refuse to investigate my disputes and this is incorrect information has hurt me beyond my worst expectations.
Product: Debt collection

Debt firm purchased medical debt for XXXX on the dollar, got a judgment, let the account sit dormant until about a year and a half near end of the 10 year statute for a judgment, are trying to garnish my wages. 
I called the firm and asked if I could settle it for a lump sum and they refused, stating they are n't allowed to settle medical debt. I asked why she said, " We do n't write the law so I dont know '' I called the Collection firm who placed it with the Attorney and they also refused to settle, stating they wanted every XXXX from me. All of this and I find out the hospital wrote the debt off -- {$2000.00} so I 'm assuming the firm paid maybe {$500.00}, and are now forcing me to pay {$5000.00} to them through garnishment without consideration of a lump sump payment of a lesser amount. Where is the CFPB when you need them???
Product: Credit reporting, credit repair services, or other personal consumer reports

I am enforcing my rights required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

This school is not accredited and is not recognized with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I was never able to get a job with the certificate acquired from this school because the company is fraudulent. I do not feel like I should be responsible for repaying this loan. I tried to reach out to XXXX XXXX, Experian and XXXX regarding the situation and their response to it was that the loans were verified and that I would need to continue being responsible for the loan. I do not believe that these companies did enough research into the school or the loans so now I am reaching out to you.
Product: Credit reporting

I went to experian.com to recieve my credit report. It showed that I would be charged {$1.00} to receive my credit report I was not told that I would be signed up as a paid experian member and would be billed monthly for services I did not know about or intend to use. I called experian to find out about these charges to my debit card and they told me that I should have read the fine print of the terms and service agreement. This is a scam. Experian does not notify you when your free trial is going to expire and you will be billed. They will not refund my money. Advertising that a credit report is {$1.00} and then signing people to be billed {$21.00} dollars every month without telling them is predatory and just plain wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being, i have rights under 15 usc 1681.

Equifax is govern by 15 usc 1681. and they violented my rights numerous of times. i demand these accounts listed below be remove because according to 15 usc : i have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX  OF XXXX ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

There was fee charged from XXXX all the way until XXXX and there was no good results there was nothing removed from credit file
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late ! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

My dispute wont be resolved I provided everything they asked and proof that it was suppose to be refunded and they have denied the dispute for almost 2 years and now have closed my account and added the amount back saying I owe it they keep saying there is no evidence to substantiate the claim even though I provided all proof they required
Product: Debt collection

I have been receiving harassing, threatening, profane and XXXX threats telephone calls from American Accounts Advisors in regards to a debt of {$120.00} and {$240.00} I do not owe. The debt do n't belong to me. I am a victim of identity theft.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against XXXX, XXXX, and Equifax for improperly reporting incorrect and invalid information from a account called XXXX XXXX account number XXXX. Disputes were filed with all 3 bureaus and deem verified or correct. No other disputes are pending. A copy of XXXX XXXX XXXX XXXX XXXX report is included in this complaint so all errors can be verified. XXXX errors or violations are as follows : XXXX. Both XXXX and Equifax are currently reporting this account as a open account under account status on both reports. This is a closed account placed in collections and sold to a collection agency. This account is not open and can not be viewed as open. XXXX. On all three different credit reports, all XXXX reports a different date of last activity. XXXX reports XXXX. XXXX reports XXXX. Equifax reports XXXX. All differ and is impossible to verify all as correct. XXXX of last payment is also missing from all XXXX bureau reports. XXXX. XXXX reports on report under Dispute status that account is not disputed. Contrary on same report under XXXX 's Remarks it says account disputed. Both can't be correct. It's either or. XXXX. XXXX reports that account is disputed under XXXX 's Remarks. No disputed exist or are pending. Once dispute is over XXXX was obligated to remove all codes and remarks about disputes from report but failed to do so. XXXX. XXXX reports on its report under dispute status that account is not disputed. Contrary on same report under XXXX 's Remarks it says account is disputed. Both can't be correct. XXXX. XXXX also reports account disputed under XXXX 's Remarks. Once my dispute was final or concluded XXXX was legally obligated to remove all codes and remarks about disputes from that account report but has failed to do so. This is mandatory! XXXX. Equifax also reports that the account is disputed under XXXX 's Remarks and even though no dispute exist or is pending, they have also failed to remove all codes and remarks about disputes from the account which violates the FCRA. XXXX. Finally, on all three reports under late payment history both XXXX and XXXX show XXXX 90 days late. Contrary, Equifax shows 1 90 days late. Which is it.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have a incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balnances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting that XXXX XXXX  XXXX remove the 30 day & 60 day and 90 day late payments for XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX from my credit reports on XXXX, Equifax, XXXX  and any other reporting agencies. XXXX and XX/XX/XXXX mortgages payments are in Deferment. XX/XX/XXXX mortgage payment was made on time as reported on my XXXX credit report. 
From XX/XX/XXXX my XXXX XXXX  XXXX  XXXX  was hit hard by XXXX XXXX. My clients are restaurants and bars. They too were devastated by Covid 19 because they were forced to close. My revenue plummeted. By the end of XX/XX/XXXX I exhausted all of my savings. 
I requested a Forbearance for the XXXX and XXXX payments because of the negative effects of the virus and was approved on XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX  XXXX posted a 30 day & 60 day late payments on my credit reports. On XX/XX/XXXX i wrote XXXX and requested the late payments be removed due to the negative effects of Covid 19. XXXX denied my request, stating that I didn't say specifically " XXXX XXXX " was the reason for my request for Forbearance and that I had a prior late payment. 
The 2 late payments are negatively affecting my ability to acquire new contracts and credit which will grow my business revenue. On XX/XX/XXXX XXXX  XXXX  Servicing added a late payment for XX/XX/XXXX on my Equifax credit report, My Equifax is now reporting a 90 day late. This is an error, i made the XX/XX/XXXX payment on time. 
I'm determined to make my mortgage payments. I made 9 consecutive payments starting XX/XX/XXXX. It wasn't easy. I had to beg and borrow money from friends and family. I took out high interest rate payday loans and took on odd jobs to ensure that I made the mortgage payments. Due to the late payments I am no longer able to borrow money to help me pay the mortgage. I'm at the end of my rope. I'm trying my very best to avoid Bankruptcy. 
I ask that XXXX take in consideration the 9 consecutive mortgage payments and remove the 30 day & 60 day and 90 day lates from all of the reporting agencies. This will allow me to obtain new contracts and credit. My revenue will increase and I will be able to Honor My Commitment With XXXX  XXXX XXXX. Thank You For Your Consideration And Your Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$94.00}, {$0.00}.

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-CLOSED ACCOUNTS- 1. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$94.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.
Product: Student loan

We have several loans with sallie mae. It was not made clear how re-payment works. Interest is accrued daily from the very start of the loan, even though re-payment is deferred while the child is in school. This effectively balloons the loan before any principle is paid down. 

Additionally, interest is being charged on the balance of the loan which never decreases, since the minimum payment only covers the interest. There is no reasonable way to decrease the principle unless you make very large payments, and for multiple loans accruing interest daily, this is egregious. 

I've paid {$200000.00} to sallie mae in XXXX and the loan balances are actually higher than last year. 

Also, you can not download a simple ledger that shows all payments balances. You can only see payments per loan in the portal, which makes it very difficult to see how all your payments are being applied.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian XXXX report, and I noticed some late payments posted on my consumer report. 
XXXX  XXXX XXXX Account # XXXX for the months of XXXX XXXX XXXX # XXXX for the months of XXXX XXXX XXXX # XXXX for the months of XXXX XXXX XXXX XXXXXXXX XXXX # XXXX for the months of XXXX your consumer reporting agency is illegally reporting late payments on my consumer report which is a clear violation of the Law. 
15 U.S. Code 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report your agency is also in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave you permission to are written instructions to furnish. Late payments are anything on my consumer report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Experians handling of disputes and inaccurate reporting on my credit report. My report includes numerous accounts with late payments, charge-offs, delinquencies, and settled accounts that were not properly investigated or corrected, despite submitting disputes and providing relevant information. This appears to align with the systemic issues described in the CFPBs lawsuit against Experian for sham investigations. 

Key Issues from My Credit Report : 1. Accounts with Charge-offs and Written-off Amounts : Account Name : XXXX  XXXX Account Number : XXXX Details : Account charged off, {$420.00} written off as of XX/XX/XXXX. Past due amount remains unresolved, and previous dispute status indicates investigation complete. 
Account Name : XXXX XXXX  Account Number : XXXX Details : Account charged off, {$140.00} written off. Past due amount remains unresolved. Dispute process lacks transparency.

Account Name : XXXX XXXX XXXX  Account Number : XXXX Details : Account charged off, {$12000.00} written off, with {$7200.00} past due as of XX/XX/XXXX. This account has a lengthy history of negative reporting without resolution.

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Details : Account charged off, {$11000.00} written off. Past due balance of {$14000.00} remains unresolved. No clear evidence of a proper dispute investigation.

2. Accounts Paid in Settlement : Account Name : XXXX  XXXX Account Number : XXXX Details : Account paid in settlement, with {$360.00} written off. Reporting suggests prior disputes, but errors remain unresolved.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Details : Account paid in settlement, with {$9700.00} written off. Dispute process unclear, and status continues to reflect negatively on my credit report.

3. Accounts with Late Payments or Delinquency : Account Name : XXXX XXXX  Account Number : XXXX Details : Account has 1 late payment and is currently reported as 94 % credit usage ( {$490.00} balance out of {$520.00} limit ).

Account Name : XXXX XXXX XXXX Account Number : XXXX Details : Account has two late payments, with a past due amount during its reporting period. Closed status does not match provided dispute records.

4. Accounts with Disputes Marked Complete Without Proper Resolution : Several accounts ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX ) show a dispute completed status, yet errors persist. These include inaccurate charge-offs, incorrect balance details, and unresolved derogatory indicators.

Impact on Me : The errors and unresolved disputes in my credit report have caused significant harm : A reduced credit score ( XXXX FICO Score as of XX/XX/XXXX ), making it difficult to secure loans or favorable financial terms. Ongoing financial hardship and stress due to
Experians lack of proper dispute resolution.

Emotional distress caused by the perception of financial unreliability based on inaccurate reporting.
Product: Debt collection

I am being charged for a debt via a card I have never used or heard of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the inquiries furnished on my report. They are XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX -- XX/XX/XXXX -- XXXX XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. JPMCB card, XX/XX/XXXX XXXX. XXXX XXXX XXXX. XX/XX/XXXX
Product: Checking or savings account

My bank of america savings account was compromised of about {$48000.00} the bank was contacted with some online transactions