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

Dear CFPB, I am filing a formal complaint against Equifax for reporting inaccurate and misleading information on my credit report. Despite my efforts to dispute this directly with Equifax, the incorrect information remains uncorrected, causing harm to my credit profile. 

Details of the Complaint : Credit Reporting Agency : Equifax Account in Question : XXXX XXXX ( Closed Account ) Date of Credit Report : XX/XX/year> Nature of the Inaccuracy : Incorrect Charge-Off Reporting : Equifax is reporting a {$460.00} charge-off that is inaccurate. 
Incorrect Delinquency Information : The report incorrectly reflects a {$310.00} past due balance and multiple charge-off notations, despite this information being either outdated or incorrect. 
Improper Payment History Reporting : There are inconsistent and erroneous late payment records on this account that require verification. 
I have attached a screenshot of my Equifax report, showing these inaccuracies. 

Violation of Consumer Rights : Equifax is legally required under the Fair Credit Reporting Act ( FCRA ) to ensure that credit information is accurate, complete, and verifiable. However, they have failed to investigate and correct the disputed inaccuracies. Given the recent {$480.00} XXXX CFPB fine against Equifax, it is clear that Equifax has ongoing systemic issues in handling disputes and maintaining accurate consumer records. 

Requested Resolution : CFPB Investigation : I request the CFPB to investigate Equifaxs failure to properly verify and correct inaccurate information. 
Correction of Credit Report : I demand Equifax remove or correct the disputed items and provide written confirmation of the correction. 
Accountability : Given Equifaxs history of mishandling consumer data, I urge the CFPB to ensure compliance and impose further penalties if necessary. 
This inaccuracy has negatively impacted my credit score and financial opportunities. I appreciate the CFPBs prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Product: Student loan

Ive been paying back my loans fairly aggressively. On XX/XX/XXXX of this year, my balance was XXXX. Now, six days later, my balance is XXXX. I havent taken out any more student loans and I need to know how my balance jumped {$160.00} in 1 week. Someone needs to explain that to me.
Product: Checking or savings account

I deposited a XXXX XXXX check of {$400.00} via my mobile device to my Wellsfargo checking account on XX/XX/XXXX. The next day I have withdrawn the {$400.00} from my account as my sister issued the check to me for a specific transaction. At the beginning of XX/XX/XXXX, I received a notice from Wells Fargo stating that the same check was deposited a second time with XXXX XXXX on XX/XX/XXXX. As a result, on XX/XX/XXXX, Wells Fargo deducted {$400.00} from my checking account. I made more than 3 claims with wells Fargo to get my money back but all of them were denied even I never deposited this check twice. When I got back to my sister and she checked with her bank ( XXXX XXXX ) to find what happened with the check, XXXX XXXX made searches on her account related to the issues for weeks, and in conclusion XXXX XXXX never found such duplicate transaction as Well Fargo stated before in his notice to me. On XX/XX/XXXX, XXXX XXXX issued a notice confirming that the in question was only presented one time for payment on XX/XX/XXXX. So I will attach all documentation supporting my statement. As wells, Fargo never refunds me my money even proof provided to the Wells Fargo representative that the check was deposited one time, I fell victim to Wells Fargo and I am not treated fairly by this financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

Hi, I appreciate XXXX and your hard work but you are incorrect on your last response on my home loan. This is very simple the lender I had was Penny Mac I'm not disputing that ok. What I'm disputing is the loan balance it's been paid in full. I sold the house! Sighned the closing on XX/XX/2018. I want the balance to be shown as a XXXX balance on my report and XXXX debt under where it says realastate debt. Since a buyer has already bought the house. XXXX XXXX XXXX XXXX  is the company that closed the house. XXXX is the number to XXXX XXXX XXXX XXXX. I have uploaded and by mail sent proof house was sold and closed to XXXX already. But XXXX  has failed to get the correct response on my report. I want a zero balance showing on my report under Penny Mac. Thank you!
Product: Credit reporting or other personal consumer reports

I submitted a dispute to TransUnion on XX/XX/2024 and they sent the results on XX/XX/2024, File Identification Number : XXXX. I submitted supporting documentation. They did a cursory investigation which is not allowed by law and are in violation of multiple FCRA statutes. The reason I'm stating this is the account is still reflecting 60 days late to include a " 30 days late '' for XX/XX/2024. TransUnion is now " willfully '' in noncompliance according to FCRA 616 and " negligent '' non-compliance to FCRA 617. TransUnion continues to report inaccurate data after multiple requests to fix it, against FCRA 623 ( a ) ( 1 ) ( A ) " knows or consciously avoids knowing that the information is inaccurate. '' FCRA 623 ( 2 ) ( B ), FCRA 623 ( b ) ( 1 ). FCRA 611 ( a ) ( 5 ) ( A ) states that " inaccurate '' data must be DELETED. I want this account DELETED because they continue to report inaccurate data with this account which is detrimental to my financial stability. They are unable to report accurate data so they should relieve themselves of this duty and DELETE the account. I'm attaching a ledger from the Family Support Division that I downloaded from their website that reflects no 30, 60, or 90, days late for the periods in question. This is causing great harm to my financial status. I'm attaching previous results, the payment ledger, the first and second dispute letter sent to TransUnion, and a support order reflecting a {$400.00} payment that needs to be made due to the age of children per California law.
Product: Bank account or service

The bank that I have my business account with always finds a way to tack on fees. The balance every two hours and they NEVER sleep so posting for withdraws is happening ALL night but deposits only post during normal business hours. The balance that shows up online does not match what they can see in the customer service department and there are as much as XXXX different balances that show up on the online website. I would like to see if this bank can be monitored for fraudulent practices.
Product: Debt collection

IQ Data International, representing XXXX XXXX XXXX, is reporting that I owe their client {$3300.00}. This is false. 

I called them and they told me to dispute this with the three credit bureaus and have them deal with it. It refused to acknowledge any responsibility even after I submitted the last four of my ss number ( XXXX ). 

I respectively submit this complaint and ask that the reported account be removed AND that IQ Data is  reported as being uncooperative.
Product: Debt collection

A debt collector posted a debt on my credit reports abruptly this year and has changed the year a few times after I disputed it. One of the bureaus has since deleted after finding the information was changed. However, XXXX and XXXX has not removed this debt. I have not received any requested information from this company and have told them the original creditor had no information in their system. I've requested documents showing debt and/or XXXX XXXX XXXX of the amount they paid for it. I know sometimes the bureaus are paid but my consumer rights have been violated and unfair. The most recent the bureaus have done instead of deleting is adding remarks stating the consumer disputes this information. It doesn't show the account type, says account open which is against the law as this affects my credit. Now on one of them it shows account opened XX/XX/2021. I've requested the date and it is now changed. Both credit bureaus previously had different information. I want this account deleted immediately. The bureaus have my previous reports and can clearly see this account was not there two years ago including the original creditor 's information. Nothing from original creditor on my reports. Please request information from debt collector also showing this was reported in 2021. The debt collector is CCS Collections in the amount {$620.00}. Original creditor XXXX. This was added after first dispute. 

Creditor Information CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago I've paid debts on my credit report to Portfolio RC Acct # XXXX although I did not owe the accounts per I thought it would be faster and in good faith to do so however the hardship of my unfortunate situation of identity theft and deceptive practices to my name and credit. Portfolio then removed the negative marking from my credit report and months later harmed my credit score greater by adding the same negative marking on my report again with XXXX balance paid collection which dropped my score dramatically. this goes against the Fair Credit Reporting Act. After disputes Portfolio RC did not correct this matter. I demand this account be removed from my reports of the 3 Reporting agencies.

am aware that per the provisions of the Federal Fair and Accurate Transaction Act ( FACT Act ), also known as the 2003 Amendments to the Fair Credit Reporting Act, section 609 ( e ), identity theft victims are entitled to obtain from a business entity a copy of the application and other business transaction records related to their identity theft free of charge. Businesses must provide those records within 30 days of receipt of the victims request. 
I respectfully demand a copy of the application records and detailed billing records for this account in my name ( and/or Social Security number, etc. ) a physical contract bearing my signature from the date the service started until service ended and any other account records in your possession relating to this account. This account ( indicate circumstances such as i.e., appears on the credit report maintained for my name, as an inquiry or referral from your company, created a debt for which I am being held responsible, etc. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history is incorrect. Equifax is reporting my payment incorrectly for several accounts. The payment history is going from current one month to 60 days the next month. This is inactive credit reporting. 
XXXX XXXX XXXX- went from current into 60 days past due XXXX XXXXXXXX went from current in XX/XX/XXXX to 60 days delinquent on XX/XX/XXXX XXXX XXXX XXXXXXXX-went from current in XXXX to 60 days delinquent in XXXX XXXX XXXX went from current in XX/XX/XXXX to 60 days in XX/XX/XXXX XXXXXXXX XXXX went from current to 60 days in XX/XX/XXXX XXXX XXXX went from current in XX/XX/XXXX to 60 days in XX/XX/XXXX. The service remained current XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. In XX/XX/XXXX the account was reported at 60 days past due. 
XXXX went from current in XXXX to 60 days in XXXXXXXX XXXX was current until XX/XX/XXXX and was days past due XXXX  went from current to 60 days in XX/XX/XXXXXXXX XXXX XXXX went from current to 60 days in XX/XX/XXXX XXXX XXXX went from current in XXXX to 60 days in XX/XX/XXXX XXXX  went from current to 60 days in XXXX, 90 days in XXXX and XXXX, 120 days in XXXX. Current in XXXX. Then 60 days in XXXX. 
XXXX went from current in XX/XX/XXXX to 60 days past due in XX/XX/XXXX 2022
Product: Debt collection

Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 
This complaint is due to the Consumer Credit Transaction with t
his companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked multiple times to remove an authorized user account you are reporting to the three bureaus. Each time you have granted my wish to have the account removed, how ever, as of this date, XX/XX/2020 it is still showing up on my credit reports. 

Please see that this gets remove asap.
Product: Mortgage

I wrote previously Fay Servicing BLOCKED my online access to make payments, XXXX responded with everything I did wrong or I did not do. XXXX XXXX to accept, listen to or own any of their own issues. A consumer can not access the company live agent without a XXXX minute process or making numerous calls as the phone tree requires a dozen questions then ends with " would you be willing to answer XXXX survey questions, press XXXX '' and that is XXXX. There is NO option to NO answer the questions. If you do not hit XXXX and answer questions BEFORE you are even serviced the system hangs up. If you answer the questions, it then hangs up on you. There is truly no rhyme or reason to defeat this process. The last time - month ago - I could not make a payment I opted to send via my XXXX XXXX XXXX. XXXX would issue an physical check and mail it. When I kept trying to reach a human and finally did, I told the agent I did bill pay. I was instantly scolded that XXXX did NOT accept bill pay!! WHAT??! I said but it is a check. I was told it would be rejected and I would be in default. Suddenly my online access was fixed and I could pay online and I did. Then again this month, SAME THING! I was able to finally pay last week, and my bank showed a pending payment and then it never cleared. XXXX called me last week to ask about a payment and I told them it was paid, the agent agreed she saw it and thanked me for paying. Now today, XX/XX/XXXX I see it is not yet posted. I tried to pay online and again XXXX BLOCKED BOX! I spent XXXX attempts and ALOT of button pushing to finally get through. XXXX in XXXX told me I now owe {$450.00} in DEFAULT INTEREST!!! THIS IS UNACCEPTABLE! I have been trying to pay this. XXXX XXXX puts customers in default to reap additional monies. PLEASE INVESTIGATE THIS! Per my call last week, the agent told me if payment not received by XXXX I would be in default. So how or WHY should I have DEFAULT interest ALL THE WAY BACK to XX/XX/XXXX?? I have interest due by loan itself for the month of XXXX. I should not also pay a default interest for all the same month as well, ESPECIALLY since I am trying to pay and the system is not allowing it. There is ZERO way of escalating anything with this company. I need a negotiated settlement on this interest. While I do NOT agree that I am in default, for the sake to settle this ROBBERY I will agree to 50 % of the {$450.00} and I want HALF of the late fees reversed. I want my escrow account UPDATED AND REMOVED upon payment of escrow arrears when paid tomorrow XXXX - because apparently your system REFUSES to take more than XXXX payment. Seriously, what bank does not want money?? Again, I am TRYING TO PAY and I am being REFUSED!!!
Product: Bank account or service

This is new information regarding complaint XXXX, XXXX and XXXX. FCC has complaint XXXX, all complaints need to be reviewed due to all responses being conflicting. Google requested i contact them. the last email refereed me to the merchants instead of the bank like usual. I would like the back up from the first complaint attached to this complaint. I also have complaints against XXXX XXXX XXXX, and XXXX all companies have done this and continue to do this at the same time. This is past frustrating! Please help me! 

Google asked me to Repsond to a specific email in their response said I did not respond to it please below find the false statements given by Google for these transactions. I have never received back up to actually show what was ran through the account. By Google responding like they have it shows they are not investigating what was done. I have shown that numerous times. Google is who benifited the monies taken from my account that is not a guess the merchants stated that in writing. It was their charge they bought the app rights and they received monies yet Google wants to confuse this more my sending me to who they listed to contact knowing fully that the merchants do not have the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency is violating my consumer rights under 15 U.S. Code SUBCHAPTER IIICREDIT REPORTING AGENCIES. 

There are multiple federal violations that the consumer reporting agency are knowingly violating. I have previous notified them of these violations through CFPB. I have also submitted an affidavit of truth and a demand of removal from my consumer report. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I hold the consumer reporting agency civilly liable for their gross negligence. 

Attached are the Demand of Removal Letter and affidavit of truth that includes the FCRA violations and resolution.
Product: Mortgage

I have a 30 year fixed, VA loan at 3.25 % with Mid America Mortgage. 
My payment has historically been XXXX/month until I was notified that my payment would increase to XXXX/month beginning XX/XX/XXXX and another increase to XXXX on XX/XX/XXXX. I was told that this was due to increases to insurance premiums. 
My insurance is only $ XXXX/year and the cumulative increase from XX/XX/XXXX to XX/XX/XXXX is XXXX or XXXX/year. I was already paying PITI monthly when my payment was XXXX/month so something is drastically wrong with the management and administration of my account. 
I have brought this to their attention ( Your reference/ticket number is XXXX ) but no one is responding to me. When I attempt to call customer service, the automated menu system does not recognize my SSN or account and dumps me out.
Product: Credit reporting or other personal consumer reports

Inquiries I did not authorize! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The collections agency never sent me a letter in the mail to dispute the debt. The debt collection is listed on my credit report by Central Portfolio Control for {$4100.00}. The original creditor is listed as Central portfolio Control, I never had an account with them. This information is incorrect and inaccurate.
Product: Debt collection

I received a debt collection notice regarding a bank I do not have an account with Synchrony Bank ), I believe this is a fraudulent mailing- dated XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I am invited to 'pay with cash at XXXX and & - XXXX XXXX  '' in the amount of {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Product: Money transfer, virtual currency, or money service

I used cash app for business and between XXXX XXXX and cash app Ive had over a XXXX  of charges I didnt make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and noticed that Experian unlawfully reported an unauthorized account ( XXXX XXXX # XXXX ) on my consumer report. I did not give written permission to Experian put anything on my credit profile. They had no permissible purpose by law to contact third parties with my private or personal information. I informed Experian that their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. Because they have knowingly transferred, possessed, or used, without lawful authority, a means of identifying me. I asked for them to update my consumer report and send me copy in which they never did. I waited well over 30 days and I havent received nothing. Here is my tracking number : XXXX. Its been over 30 days. 

Experian is not only holding me back from raising my credit score but reporting such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. XXXX inaccurate reporting have damaged my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

account balance is incorrect, account has been settled thru negoations by XXXX XXXX XXXX, account number is a regenerated number and not the correct account number and account has been redated from the original account date.