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

XXXX XXXX XXXX Account # XXXX. I paid this account in full on XX/XX/year>, and made all payments on or before my due date. In XX/XX/year>, I received an XXXX credit monitoring alert that this account was reporting 60 days late for the month of XX/XX/year>. Upon a detailed review of my XXXX and Experian credit reports I noticed that this account was reporting 30 days late for the month of XX/XX/year>. This account is reporting inaccurately. All payment were made on time. In fact, I paid the full balance prior to the contractual terms. My XX/XX/year> payment was made on XX/XX/year>. My payments were auto drafted on a monthly basis. 

On XX/XX/year>, I spoke to a XXXX 's representative over the phone to dispute the last payment remarks on my credit report. He identified as " XXXX '' and he informed me that owed {$170.00}. He was unable to explain what the charges were for. However, he told me that once I paid this amount this derogatory information would be deleted from all three major credit reports. The balance was updated to zero and the account now is closed. However, they did not correct the payment for XX/XX/year> as paid as agreed. Still showing late. I feel deceived and taken advantage of. I fulfilled my contractual obligation ahead of time and this credit is penalizing me for it. I have a recording of the conversation with XXXX and bank statements to prove my on-time payments.
Product: Student loan

To start, all of the parent loans i took out so my son could finish his degreemy son has been out of school for 12 years. Originally I was paying to the Dept of Education but since Nelnet took over my loans, I have made no traction in getting these paid down. Its been 12 years of paying and I havent even scratched the surface! I have spoken with Nelnet multiple times, last on XX/XX/year> to get some clarification on what is going on and why these loans feel VERY predatory at this point and they havent offered any solutions. I am XXXX XXXX XXXX and make XXXX XXXX a yearI cant make almost {$600.00} payments every month until the day i die especially when my balance doesnt seem to be going anywhere! 

PLEASE HELP.
Product: Checking or savings account

I received a targeted offer in the email ( deposit {$20000.00}, get {$200.00} bonus ). I decided to take advantage of the offer and headed to my local BoA branch, where I spoke to a banker. I inquired whether I was eligible for the bonus ( we used to have more assets at BoA prior to receiving the offer, but we moved them a savings account in a different bank, which at that time had an APR of around 1.8-1.9 % ) because one of the points in the fine print stated that the money deposited could not have been previously held in my name. Looking at my account, the banker assured me that I was indeed eligible and that I would receive {$200.00} bonus after depositing {$20000.00} into the account. The banker enrolled me in the offer, I deposited the money on and kept it for the required period, but never received the bonus. If I didn't think I was eligible, I would not have move the money from 1.8-1.9 % to 0.01 % account - that would not make any sense. 
I called the customer support and was informed that I was never enrolled and even if I was, I would be ineligible for the bonus. This was in contrast to what the banker said. However, the banker was unresponsive to my email. 
I feel I was misled by the BoA representative ( either intentionally, or by neglect ) and I would be grateful if the offer was honored. Alternatively, I would like to receive the compensation for the interests I lost by moving the assets from a higher-yielding savings account to BoA for the duration it was held there ).
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been unable to use my Comenity Capital Bank XXXX XXXX credit card in over a month. I have made numerous phone calls to get resolved only to be told I have to speak with the Security Department and left on hold for over 40 minutes at a time with no Representative ever picking up. I do not have an hour to sit on hold and wait for a non-existent representative. I am very frustrated, I have never missed a payment or made a late payment and I just want to be able to use my credit card. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, TRANSUNION, AND XXXX USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL.

THIS IS WHAT CAUSES HACKING AND DATA BREACHES.

THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX  XXXX
Product: Debt collection

I pulled my credit report and noticed a collection account from XXXX XXXX in the amount of XXXX. I mailed a letter to XXXX XXXX requesting the documents that validates this debt. They mailed me a letter back demanding my attorney contact information, and failed to send me validated proof.
Product: Credit reporting or other personal consumer reports

I noticed some accounts that were not mine on my report, including some inquiries. Please remove these inquiries because I did not authorize them. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX of XXXX  ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 
1. Bankruptcy XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. Inquiries XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a copy of my credit reports from XXXX, XXXX, and Experian. Those credit reports contained inaccurate information on my credit reports. I have reached out to each credit bureau asking requesting them to show me proof that the information on my credit reports are accurate and each time, they have failed to do so. I am becoming very frustrated with the response of these bureaus as I have mailed them proof of my identity and address and each time they have corresponded with only copies of my credit reports. The following information is incorrect on my credit reports from each credit bureau : XXXX XXXX XXXX reporting a late payment of 30 days, I was never late XXXX XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX  XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX  XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXX I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX  XXXX XXXX XXXX I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX  XXXX XXXX XXXX I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof The following inquires I did not authorize XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  Experian XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX The inaccurate reporting on my credit profile are causing harm to me as a consumer. I have given XXXX, XXXX, and Experian plenty of time to respond to me and show me proof of where these debts and inquiries have originated from and they have not given me any such information. My rights as a consumer have been violated and I have the rights to take legal actions against them.
Product: Mortgage

The mortgage company charged fees and assessed interest on miss payments when the entire country was protected by COVID relief legislation.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX a debt collection agency by the name of " CREDIT PROTECTION '' has reported on my credit in collections that I owe two amounts to the original creditor " XXXX XXXX XXXX XXXX ''. The amount balance for the XX/XX/XXXX is {$180.00} and the amount balance for the XX/XX/XXXX is {$89.00}. I have attempted to contact the collection agency to remove these inaccurate accurate accounts from all 3 credit reporting agencies and I have not received any response. Please advise that I do not owe this and this is not my debt. They do not meet FCRA guidelines and I have gotten calls and voicemails during work hours when I am on the national do not call list. This is illegal.
Product: Credit reporting or other personal consumer reports

Previous disputed items from the following case numbers reappeared after being removed for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Please see the attachments for your review. The following items that reappeared after being removed showed more than XXXX name, more than XXXX address, old accounts over XXXX XXXX XXXX, accounts that do not belong to me, and accounts that have been disputed. Transunion agreed to remove the disputed accounts but months later reappeared. I'm reporting the inaccuracies and requesting they be permanently deleted from my credit report, ASAP, ( AS SOON AS POSSIBLE ). And not allow these inaccuracies to never reappear again on my credit file months later, XXXX. 

This Account Is Involved In Litigation.

I Have Not Supplied Proof Under The Doctrine Of Estoppel By XXXX Silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I Presume That Alleged Debt, NOR Therefore Any Such Debt, In Fact Therefore Exists Pursuant To 18 USC 8, L Owe No Debt, This Company Is Violating My Consumer Right To Privacy Pursuant To 15 USC 1681- B2 Company Has No Permission To Report My Information Per 15 USC 16814.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benet from any of the following accounts. Block and remove them.
Product: Debt collection

On XX/XX/2020 I the federally protected consumer entered a consumer credit transaction with an open-credit plan and have been using the vehicle for household and personal use. As Captial One credit company is the extention of my credit extended back to me the original creditor. Using my social security card they were fully paid at the start of the transaction, using my social security card. They don't have nor can provide me with the original contract for this alleged debt. Anything purchased using my social security card which is under the administration of the United States Corporation. They are responsible and liable for, that's why the alleged statements come in the positive balance and you can't pay on a positive balance. They are a ambiguous debt collector furnishing deceptive forms in this corporation and need to be legally accountable for their actions as a debt collector. I am demanding the agency to work with me the federal protected consumer under the guidelines Fair Debt Collection Practices Act and the amendments to the Truth and Lending Act or else I will pursue federal litigation 's if needing the re-enforcements on the facts of Federal Law.
Product: Bank account or service

I received a letter from XXXX with a debit card of {$50.00} representing a rebate because of prior repairs made to my XXXX Ford Taurus. The letter stated that if I did not want the debit card I could call XXXX to request a check of {$50.00} and cancel the debit card issued by the Bank of America. I paid for the Ford repairs in US legal tender and since I am entitled to a rebate I want my rebate in US legal tender and not in the form of a debit card issued by the Bank of America. I called in XXXX XXXX and cancelled the card and the customer representative from the Bank of America said that I would have the {$50.00} refund check in XXXX days. In the meantime the debit card was cancelled. I have not received the check and it has been 4 months and I have made numerous inquiries with the Bank of America and each time they say the check will be in the mail within 7-11 days. My XXXX communication was on XXXX XXXX, XXXX and the supervisor, whose XXXX name was XXXX promised that a check would be in the mail within 11 days. The check has not been received. I want my {$50.00} check in lieu of the debit card which was cancelled. I am tired of making telephone calls and being ignored. The number of the original debit card which was cancelled is XXXX expiration XXXX ccv XXXX XXXX XXXX
Product: Debt collection

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX {$1600.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity  theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX {$1600.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

JP Morgan Chase filed a foreclosure action case number XXXX, they would not allow a modification or honor the consent agreement. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth-less.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft as a result of recent data leaks online. I discovered this back in XXXX and have disputed all the fraudulent accounts with all three CRAs. XXXX and XXXX both promptly removed the fraudulent accounts ( within 30 days ) from me providing documentation supporting the id theft ( police report, FTC id theft report, proof of address, ID, and SSN ). Equifax however stated that I would have to wait 30 days for the dispute to complete which is completely fine but after the 30 days ended I was told to submit another 30 day dispute to remove the accounts leftover. The second round of disputes ended and the result was the same the accounts were not removed. I then submitted a block request under 605b of the FCRA and provided all the required documentation. Equifax again treated this as a 30 day dispute and said they would not block the items but did not state why. This is a direct violation of 605b. I've tried resolving this with the individual creditors however they treat this like an attempt to collect debt instead of resolving a matter of fraud. I've been dealing with this since the beginning of XXXX and it seems like there is no end in sight. Federal laws are in place for a reason I don't see how a Credit Reporting Agency can get away with not abiding by Federal Laws. Im tired of being given the run-around and being told to wait another 30 days. If they're submitted the same information with the disputes to the same creditors the result is going to be the same every time. The definition of insanity is doing the same things and expecting different results but yet this is exactly what Equifax is telling me to do!
Product: Debt collection

Arcadia Recovery Bureau keeps calling me and leaving messages despite nothing being owed to them and nothing in collections on my credit report, they won't tell me what the collection is for because I refuse to give them my personal information to verify. They called me again at XXXX so I called them back and the first rep I spoke to said that they didn't call me today and as I was telling them I don't want any additional contact or I would report them, she hung up me midsentence.
Product: Debt collection

Please immediately block and remove several incorrect accounts recently found on my credit report.