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

My XXXX XXXX by XXXX was reported as 30 days late on credit reports when I was not able to make a payment to avoid it. XXXX claims to been doing system updates for over a week now and people have not been able to log to account, make payments online or over phone for several days and therefore were not able to make payments by due date. I wanted to make payment by due date and pay past due amount to avoid late payment on report but was not able to as their system has been so messed up and got reported. XXXX  has complaint after complaint on social media about all this and they just keep giving everyone the same automated answers over and over and no real clear answers. People are worried about a data breach or something as none of us have ever seen a system update take a week or longer where sites and phone lines all go down with no one able to do anything.
Product: Credit reporting or other personal consumer reports

I sent dispute letters to all three Credit Bureau 's, including all accounts. I also requested that they XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law and if they fail to comply with its obligations under FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.
Product: Debt collection

I received a copy of my credit report and i had to collections account from this company CREDIT CONTROL SERVICES Which I Do n't recall oweing i have also been getting phone calls from them they are refusing to send me any documents showing that i am the correct person they need to follow the Law and stop calling my cell phone all the time and send me proof that i owe these debts or delete them off my credit profile partial account #  XXXX ,  XXXX
Product: Credit card

I have contacted Chase to validate a debt that is being reported on my Credit Trade Line. XXXX XXXX XXXXXX/XX/XXXX # XXXX. This debt is over 7 years old, since XX/XX/XXXX, but continues to be reported and collections continue. In accordance with the provisions of the Federal and State Fair Debt Collection Practices Acts and the Federal Fair Credit Reporting Act, please consider this letter a formal dispute as to the inaccuracy of the item posted. 

FCRA 605 ( C ) running of reporting period states : ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ) charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the day of commencement of the delinquency which immediately proceeded the collection activity, charged to profit and loss or similar action. This debt originated XX/XX/XXXX, but continued collections XX/XX/XXXX and beyond. ACCORDING TO THE CONSENT ORDERFILE NO. XXXX Chase JP Morgan ; Chase BankCard Services continues to collect on this debt in violations of Sections 1036 ( a ) ( 1 ) and ( a ) ( 3 ) of the Consumer Financial Protection Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my credit report and other personal information ( as reported by their website https : //www.equifaxsecurity2017.com/ ), along with that of 143 million other Americans. It is readily apparent that for such a significant breach to occur, Equifax does not take information security seriously enough. 

Other concerning aspects of this breach include the lack of timely disclosure by Equifax ( over 5 weeks )  and the above website reporting whether consumers were impacted by the leak that appears to yield random responses ( I visited the site several times and got alternating answers each time ). 

I contacted Equifax 's call center with my concerns about the leak and the website and was encouraged to sign up for fraud monitoring. This response does not address the root of the problem, that Equifax does not take my, and other Americans ', personal information and identity protectional seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$710.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX  ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I asked for HAMP Loan Modification for 30-40 years for 2 % interest, instead I am getting a loan modification for 2 % for 2 years only. Inaddition the letter says the interest rate goes up to 6.75 % which iswhat the current rate is now. Again Nationstar is asking me to pay {$9200.00} up front before they agree to do the 2 years modification. 
To me this is not the HAMP Program modification I am expecting fromNationstar. To me this is more of scamming than anything else. 
Scamming in HAMP Program is illegal. Therefore I refused to sign their letter ofagreement/acknowledgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX XXXX XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX 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 of 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

Capital one ran two hard inquiries for a secured credit line, bringing my credit down 17 points, devastating as the secured credit card is for helping build credit and the creditors take zero risk as I cant spend over my own deposit,. This act is predatory and no reason for two hard inquiries for a credit line that was excepted? was also told it would be a soft i inquiry as its a secured credit card
Product: Money transfer, virtual currency, or money service

My funds were liquidated from Coinbase after a couple of years of building my portfolio. They locked my account then they swept all my money. I tried to contact them multiple times unfortunately they didnt respond. I got an email stating that my funds were moved to the XXXX XXXX XXXX, I submitted my claim and they said I must wait for a few days at the XXXX XXXX XXXX, after submitting supporting documents they said I must wait for 6-7 weeks.
Product: Student loan

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

NAVIENT XX/XX/2007
Product: Credit reporting or other personal consumer reports

I am disputing a debt on my credit report that does not belong to me. This debt is the result of identity theft, and I have no association with the account. I am requesting its immediate removal from my credit report under the Fair Credit Reporting Act. 

Please investigate this matter and take appropriate action.
Product: Credit reporting

I have contacted Equifax to get these hard inquiries removed off of my account as well as some addresses that is not mines that keep popping up on there. They said they removed it but it has not been removed. I am a victim of identity theft and the companies is suppose to call me before they run my credit and it causes me to get a hard inquire. 

The inquiries that I did not authorize or make is XXXX XXXX on XX/XX/2016 and also an address of XXXX XXXX XXXX, Georgia XXXX that needs to be removed off of my credit report as well as XXXX collections that is not mines. 

XXXX for XXXX XXXX XXXX for {$440.00} and also XXXX XXXX for {$780.00} that is not mines. Please remove all of this off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a letter dated XX/XX/2020, I mailed a dispute to XXXX This dispute alleged that 19 hard inquiries were not authorized. XXXX did not investigate and simply asserted that the hard inquiries were a factual matter. IT took XXXX  until XX/XX/2020 or more than 30 days to resolve the matter. 


On XX/XX/2020, I filed an online dispute with Equifax with respect to hard inquiries. I stated that these disputes were not authorized by me. On the very same day, Equifax closed the Dispute and refused to investigate. 

On XX/XX/2020, the court, Norman v.Trans Union, LLC, Case No. 18-5225 ( E.D. PA XX/XX/2020 ), held that XXXX could be held liable for reporting unauthorized credit pulls.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting a re-investigation of the following item : Account Information : Creditor Name : XXXX Description of Inaccuracy : Wrong Balance : The account in question is reflecting different balances on each Bureau, none of which match the actual balance on my account. 
Equifax : amount {$350.00} XXXX : amount {$0.00} XXXX XXXX : {$350.00} closed XX/XX/XXXX Incorrect Dates : The accounts dates of last activity, payment dates and account opening date is being reported inconsistently or inaccurately. 
Equifax : date shown as XX/XX/XXXX XXXX : date shown XX/XX/XXXX XXXX XXXX : date shown XX/XX/XXXX closed XX/XX/XXXX I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C.

1681 ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable re-investigation to determine the accuracy of the disputed information. 

I kindly request that you contact the furnished of the information to verify the accuracy of the disputed item. During this re-investigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the re-investigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 

If, after your re investigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report. 

Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX  - Balance : {$270.00} - Account # : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that items will be corrected. 
XXXX XXXX XXXX XXXX Balance : {$58000.0XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Receivables Performance/XXXX XXXX XXXX Scam, con-artist company that calls my house all day, every day. I am deaf but they continue to call and now there 's a collection on my credit report for a bill that 's not mine. I feel like I 've been taken advantage of. I do not owe XXXX money for services they did not provide. I actually received a letter apologizing for their poor broadband performance but no other effort to rectify the problem or make it right. I had to retake a class that cost me $ $ $ because XXXX 's ISP connection had another outage during the final exam. ( I took the class online ) I moved onto a different ISP because they were not providing services I was paying for, yet they continued to try and bill me for when I was not using their ISP or bundled TV service. They refused to allow XXXX to port my new number and held up the process. They exhibited extremely poor service and failed to follow through with promises on a regular basis. Now these scam artists are calling all hours of the day and while my elementary school aged son is asleep in bed for school. The other collections via XXXX have been removed from my report, but this new one just popped up via XXXX and XXXX. 

XXXX and Receivables Performance are XXXX companies that need to go out of business.
Product: Credit reporting or other personal consumer reports

1. XXXX XXXX XXXX opened XXXX XXXX. XXXX  without my permission. I realized this fraud opened an account in XX/XX/XXXXXXXX  with a notice from three credit bureaus about delinquent status. 

2. I also got the mail from the XXXX  that there was a data breach and my information belonged to this data breach accident. 

3. I sent all of the evidence to three credit bureaus and a XXXX XXXX  company. 
The other fraud activity accounts were successfully deleted from my credit files. 
But XXXX still remains on my credit files. 
The three credit bureaus noticed today that the XXXX XXXX  was not accepted delete this fraud account with charge-off status. 

4. I got a Data breach notice on XX/XX/XXXX, but I did not live in XXXX  in XXXX. I lived in XXXX, XXXX. I moved to XXXX  in XXXX
Product: Money transfer, virtual currency, or money service

I attempted to send a {$70.00} purchase payment to a peer via Google Pay. 

Immediately following my execution of the transaction, ( I'm the sender ), the recipient received a message from Google stating " This payment has been reversed to the sender due to your security settings '' ( message attached ), which the recipient immediately sent to me while we were transacting on the phone. 

Recipient and I ended the transaction without exchanging goods ( because Google stated my payment had been reversed ). 

It's been 3+ weeks and the payment has not been reversed. I've contacted Google Pay multiple times and they will not reverse the payment or re-credit my account ( most recent email exchange attached ). 

Google 's actions put recipient and me in a bind. 

Recipient can't safely send me back {$70.00} because for all he knows, the payment may yet reverse ( since Google definitively stated it was reversed ) and he could lose {$70.00}. 

And I'm not in a position to convince the recipient that Google sent him a false statement ( stating the payment was reversed ), and that he should instead trust me and send me {$70.00}. 

I need Google to do what it said was done and reverse the payment. 

I strongly believe Google sending a message to a party in a payment saying " this payment has been reversed to the sender '' but then failing to reverse the payment constitutes an error under the Electronic Fund Transfer Act as an " incorrect electronic fund transfer from or to the consumer 's account ''. 

Google is the trusted intermediary in a payment like this, and Google 's false/inaccurate statement materially interfered with the payment process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit card

I can't log in without a 2 step verification I did not sign up for a 2 step yet they are making me do this 2 step.

I currently have a complaint against them which is open.

I want to add to it but I don't know how, I just now tried to log in but couldn't because of the 2 step. 
Here is my case # which is open XXXX Please add this additional complaint to the open case. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My wife and I are XXXX and XXXX respectively. We are currently Platinum Rewards customers with Bank of America ( BOA ) and have been faithful customers for more that 30 years. Up until XXXX of XXXX our credit rating had been in the mid to upper XXXX. However, in XXXX of 2021 we received a letter from BOA stating that our credit rating was now in mid XXXX due to missed payment in XXXX and XXXX, 2021. 
As a result, our credit limit on our Travel Rewards Card went from {$14000.00} to {$3000.00}. Although the minimum payment was {$43.00} per month we paid {$200.00} each month. I want to add that in XXXX of 2021 I underwent a XXXXXXXX XXXX  and in XXXX of 2021 my baby brother XXXX from a sudden and massive XXXX XXXX at the age of XXXX. 
We consider these extenuating circumstances ( as well as I accidentally unchecked mailed bills on bank setting ) that resulted in our being late on these payments. 
I contacted a Vice-president of Complaint Resolution for BOA in XXXX of 2021 by the name of XXXX XXXX XXXX XXXX and explained our situation. My request to her was to consider our past reliability of XXXX late payments to BOA for ANY accounts for our entire history with the bank as well as the above mentioned medical and death in the family events. We wanted our credit limit on our travel card and our superior credit rating returned to their previous levels. Unfortunately, this request has been denied by BOA. This was not a satis My wife and I are appalled and disappointed that even during a pandemic and with life changing events as noted above, that a banking institution, that just recently in an email thanked us for being Platinum Rewards members, could not make a special allowance to restore our exceptional credit history and financial reputation. 
Is there anything that you can do to help us in matter?