23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I received my credit file months ago and I found that there is a judgment in Public Records that has been reporting for many years in my Equifax file I have no knowledge why or who is reporting against me. I have contacted each or the XXXX Credit Bureau and disputed it and requested that it be investigated on ( XXXX XXXX separate occasions but I have not been able to get a response. I am now in the process of purchasing my home and require that it is removed from my credit history. I I know nothing of this account and require verification including all information used by this party to determine that it belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

the student loan are over 20 years old and were at one point in default then they were removed of report almost 10 years ago. for some reason the student loans are back on my reports and reporting CURRENT. I have not seen or heard from these loans and could nit be current at all I called the loan carriers and they said they have no answers because they show no payments in over 10 years.
Product: Credit reporting or other personal consumer reports

My credit score don't reflect the items on my report. On transunion or experian low scores and good payment history is not accurate and I want it fix ASAP
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-Account # XXXX XXXX XXXX-Account # XXXX XXXX Account # : XXXX XXXX # XXXX XXXX Account # : XXXX XXXX XXXX  ACCT # XXXX XXXX Account XXXX XXXX XXXX XXXX # Account # XXXX XXXX XXXX # Account # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # Account # : XXXX XXXX XXXX # XXXX XXXX XXXX  # Account # : XXXX 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. 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 instructions15 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: Debt collection

I have a collection/charge-off listed on my credit report of {$40.00} to Pinnacle Credit Service, LLC. I 'm not disputing that I owe the money, but I ca n't get any information from XXXX on what the debt is for or even how to pay it. I have emailed and left voicemail with no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting four accounts without my consent I've tried to resolve the matter but no response, nor proof on why I wasn't notified to request a reinvestigation. accounts listed below XXXX XXXX XXXX XXXX XXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company was given all pertinent information on this fraudulent account. I don't have account numbers as the account is not mine as I stated before. When I sent my letter I gave them all the information I had on this account. These tactics are used to put my information on this fraudulent account and continue to leave it on my credit report. My name and address were also included in my first complaint. If this item is not removed so that I can move and buy a home I will be left no other choice than to file legal action agains XXXX XXXXXXXX for fraud and Intention infliction of emotional distress ( IIED ) as well as other damages suffered as a result of these attacks on my personal credit, character and overall wellbeing. As I requested before I want these items removed from my credit report. I have already sent numerous letters and given my information I don't have any further information as this is all that is on my report ; the account isn't mine so I will never have the information they are looking for. They need to prove with wet ink signatures which they don't have as this is fraud and these accounts are not mine. We are beyond the request for information. Remove this account or I will be left no other choice but to pursue legal action. 


Previous complaint : I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 1. XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2.  XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,
Product: Credit reporting or other personal consumer reports

I requested a payment plan that they offered due to me losing my job that would not impact my payment history. They still reported me for XXXX past due payments. This has decreased my credit score.
Product: Credit card or prepaid card

I am XXXX XXXX  and found on my credit card extremely high interest rates on cash advances ... when I requested info on them I get a letter instructing me to call them so I can't hear or understand what they are telling me. At any rate I asked how many cash advances were taken on my card and where they occurred. I received one reply stating they could not waive the cash advance fee ... I didn't ask them too. All I wanted to know was how many and where. Now I tried several times to get a hold of them and can not get a response. They even hit me for a XXXX dollar late fee because they said my payment was one day late ... no grace period at all ... but I want answers and they won't tell me them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian, XXXX, and XXXX numerous times in regards to the blatant of inaccuracies listed on my report by the following institutions XXXX XXXX XXXX XXXX of these institutions have reported on my credit report that I was late on payments : XXXX XXXX XXXX XXXX reported that I was late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. Most of these instances happened during the pandemic which I requested that XXXX defer these payments while I was experiencing financial hardship as a direct result of the pandemic. In XXXX, I requested deferments timely due to experiencing financial hardship. All of these times, I reached out to XXXX and requested deferments timely and was told that these deferment requests would not cause them to report to the credit bureaus that I was late. Considering XXXX, did not follow those statements made on a recorded line, I requested all documents as it relates to those requests as required by law. XXXX never responsed to my requests or completed an investigation. All credit bureaus never responded to my requests for results of their investigation via mail.
Product: Checking or savings account

This is the 3rd complaint about funds that were not issued to my checking account. One of my checks was fraudulently cashed. They first washed the check. This is a check from XX/XX/2022. The fraud team from my last complaint said that they never received a copy of the washed check. We sent it 2 times and they finally sent an email saying that they received the copy of the check. Now the branch XXXX emailed me to see if I had a carbon copy of the original check. The checks that I order from TDBank do not come with the carbon copy. They never originally asked for it and now, all of a sudden they are asking for it. They are making this a very difficult process tor a check in the amount of {$1100.00}. Please help to expedite this process XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( 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 Autopay. 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 in ( MONTHS REPORTING LATE ) 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 ) 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: Mortgage

I bought my home XXXX XXXX2023. Im now about XXXX XXXX into my mortgage. My family is growing and the townhome that I purchased is too small for my family. I requested an occupancy waiver from Freedom Mortgage to allow me to move out of my current home before the XXXX XXXX period is up and I explained my situation to them. They denied me and I feel they are holding consent unreasonably because they are not providing me with a reason as to why they can not waive the occupancy reqiurement being that its only XXXX XXXX  left for my XXXX  year. I spoke with the Va and they are aware of my situation and have already approved me for another Va Home Loan so that I can relocate my family into a larger home
Product: Credit reporting, credit repair services, or other personal consumer reports

As per lender the late payment reported are incorrect and lender has request on XXXX XX/XX/XXXX andXX/XX/XXXX ( more than once ) to delete late payment from all 3 credit reporting companies and but its not removed from the reports. I have contacted all 3 credit bureau but they says they have not received any such communication but when i talk to lender they says they have already communicated to delete from credit report. 

I am going through this loop again and again and no solution yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
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
Product: Debt collection

Asked for validation of account the account has been reported as charge off but still showing a balance which is in violation of the consumer law.
Product: Bank account or service

The IRS sent my XXXX Income Tax Refund to my account ( correct account numbers have repeatedly been verified with both the IRS and Bank of America ) with Bank of America via Electronic Direct Deposit in XXXX of XXXX. The IRS has steadily stated throughout their investigation until the end that Bank of America has misplaced my Income Tax Refund. I have encountered several rude and disinterested Bank of America Customer Service Representatives and Managers that have continuously stated that the IRS had never sent the refund, there is nothing further that Bank of America can do about it and that I need to contact the IRS. Other representatives of Bank of America just did not follow through and/or they claimed that their hands were tied. Today in XXXX XXXX, Bank of America still refuses to investigate past what can be seen in front of them on a computer screen, will not escalate my complaint higher up the ladder until issue is resolved and continues to point the finger at the IRS. Bank of America seems to have a lack of communication connection throughout their institution. I have experienced this fact in several instances through this bad situation. My Direct Deposited Income Tax Refunds in the past have always entered my account on the date that the IRS has stated. I have been a customer of Bank of America for many years but I was treated as if I were nobody to them. My Income Tax Refund may be pennies and nothing to Bank of America but it was gold to me, I depended on that money and this has created a negative downward spiral effect in my life and Bank of America has proved that they could care less.
Product: Student loan

I had XXXX different loans under XXXX different accounts through Great Lakes. My beginning balance was {$26000.00} over those XXXX loans. I recently consolidated the XXXX accounts for ease of convenience in paying them off, and to adjust my interest rate. By doing so, my credit score took a XXXX point hit through XXXX. My loans are now being reported with a beginning balance of {$21000.00}, not reflecting the almost {$5000.00} I 've already paid down on them. My installment balances are now calculating at XXXX % of the loaned amount instead of giving me credit for paying down XXXX % of my loans. I believe they should still report the beginning balance as {$26000.00} instead of my current balance.
Product: Debt collection

I received a letter from TRS recovery services/XXXX  - Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, telephone XXXX, XXXX. Letter states they're communicating from a debt collector and its an attempt to collect debt and that any information obtained will be used for that purpose. Reason Check returned, account closed. The amount they are trying to collect is TRS/XXXX  for {$28.00}, fee {$25.00} total amount due {$53.00}. It also states to send the money to Return Mail Processing Center, XXXX. XXXX XXXX, XXXX, GA XXXX. I called my bank and they warned me that it was fraud because another customer had reported the same. I call XXXX and they did have the correct amount but I did not owe them anything because my purchase had gone through ok.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS. MY INFORMATION WAS EXPOSED DURING A DATA BREACH. UPON LOOKING AT MY CREDIT REPORT FOR EXPERIAN, EXPERIAN IS VIOLATING MY RIGHT TO PRIVACY. UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I HAVE A RIGHT TO PRIVACY. 
MY INFORMATION AND ALL LISTED ACCOUNTS BELOW HAVE BEEN AFFECTED IN A DATA BREACH. I HAVE NO KNOWLEDGE OF THAT I HAVE NOT IN ANY WAY SHAPE OR FORM SEEN. PLEASE DELETE THESE ACCOUNTS. 


XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$230.00}. 
DEPT OF EDUCATIONXXXX Education Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5700.00}. 
DEPT OF EDUCATIONXXXX Education Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$6800.00}. 
DEPT OF EDUCATIONXXXX Education Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
DEPT OF EDUCATIONXXXX Education Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$6700.00}.
Product: Credit card

I have disputed this credit card account numerous times to no avail. They are fraudulently marking the account as delinquent due to payments being XXXX  days past due. I made a payment less than XXXX weeks ago on the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection on the XXXX  account number XXXX, in the amount of {$240.00}. ( Please see page XXXX of the attached credit report. ) XXXX mistakenly opened a new account when I moved to a new apartment. They transferred my account and consequently added a new account. There were XXXX separate accounts. I called XXXX multiple times and consequently spoke to multiple representatives who were not posting my payments to the correct account. Some payments were posted to XXXX account and some payments were made to the new account. The accounting error belongs to XXXX. This incorrect reporting is harming my credit score and this trade line item needs to be removed from my credit report.
Product: Debt collection

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. I did not knowingly obtained or should have known that I obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. The identified transaction is not information related to any transaction by me as the consumer. The request to block information was based on factual misrepresentation and not on a material misrepresentation. 

Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX  : # XXXXXXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
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 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. 
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

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a 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 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 any of the following items of information or 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.