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

In the recent cyberattack against Equifax, my personal information including my SSN, DOB, addresses and drivers license was stolen. I received this message from Equifax : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I placed a 90 day initial fraud alert on my credit.
Product: Debt collection

account was closed and the balance is XXXX so why they keep reporting. that against the law.

31usc3123 15usc1 28usc3002 15usc1666b 15usc1681i 15usc1681s2
Product: Debt collection

I moved in XX/XX/2021 from XXXX to XXXX  and moved my XXXX internet service to my new address. XXXX never informed me that I nneded to return my equipment before moving, and therefore, I kept it to use at my new address in XXXX. I did have a conversation with XXXX about this back in XXXXXXXX XXXX XXXX I do believe so that I would not be charged for the equipment I am still using. I do not have any access to my old XXXX account to contact XXXX about why in the world they would sendd the {$120.00} to XXXX XXXX when they specifically told me that they would not charge me since I am still using the equipment at my new address. Also, XXXX XXXX has not sent me anything regarding this, and also, they continue to try to contact me even after I have told them to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a current late pay reporting on my credit report that is not correct. The bank that reported the late pay has acknowledge through several correspondence that this was indeed an error. I called the XXXX major credit bureaus reporting this error and have provided them proof that this is an error, but they are still choosing to allow this misrepresentation to appear on my credit report. I also sent the XXXX major credit bureaus the letters that I received stating the same. Furthermore, the bank also claimed to have sent the same letters that they shared with me to the credit bureaus, yet these errors still remain. This is causing me great harm. I a hoping The Consumer Financial Protection Bureaus can assist me in making this wrong right.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX  XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} ( Original Creditor : XXXX  ) XXXX Collection {$230.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Collection {$230.00} XXXX XXXX XXXX XXXX Collection {$18000.00} XXXX XXXX XXXX XXXX Collection {$26000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX Charge-off {$510.00} XXXX  XXXX Charge-off {$12000.00} XXXX  XXXX Charge-off {$790.00} XXXX XXXX  XXXX Charge-off {$6400.00} XXXX XXXXXXXX Charge-off {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Equifax : XXXX XXXX XXXX XXXX, account XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income.

The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says you Equifax company are a furnisher of information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Product: Debt collection

ERC had contacted an acquaintance of mine, stating that they were calling from XXXX XXXX, left their name, a reference number and return phone number, enabling this person to look this information up via internet and discover what this call was about. To my knowledge, I have not received any calls or messages from this company. They violated my privacy and personal information.
Product: Checking or savings account

Last time I complained about overdraft fees the companies responce stated they were lowering the charge to XXXX dollars, and no more than 1 fee per day. They did not honor their word.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself. There is no third party involved. 

The Fair Credit Reporting Act ( FCRA ) is intended to protect consumers from invasions of privacy, and my privacy as the consumer has been invaded ; I sent 2 letters already to this reporting agency where I provided my written instruction to remove/delete the Public Record ( Bankruptcy ), and if they could not remove/delete, I asked them to provide the investigated report that was used to verify this record, to provide written authenticated proof of authority sworn under penalties of perjury upon their commercial liability insurance, to provide written authenticated proof of claim sworn under penalties of perjury upon their commercial liability insurance, among few other things, to be able to verify/validate this record ; This company claims to have obtained this Bankruptcy record from XXXX XXXX XXXX XXXX but in the evidence I attached, you can see that United States Bankruptcy Court advised that they do not furnish this type of information to any Bureaus or Credit Reporting Agencies so why is this company reporting this ; Also, in accordance with 12 CFR 1022.41 ( c ) ( 2 ), a furnisher can not be a consumer reporting agency as defined in section 603 ( f ) of the FCRA, therefore, since this company furnished this record to the other reporting agencies such as XXXX and XXXX, these disputed items will need to be removed immediately. 

Lastly, there are inconsistencies and inaccurate information across all three of my consumer credit reports which lack integrity from the furnisher ( s ) in accord with 12 CFR 1022.41 ( d ). For example, the Bankruptcy record in the XXXX report is showing a different address for the Court which is different than what XXXX shows, and XXXX does not have any address at all ; I asked for documentation to be provided to me if the disputed record can not be deleted and this has not been granted. Therefore, I want these removed as soon as possible if such evidence does not exist. 

Proof of the letter from Court is attached.
Product: Checking or savings account

Out of the blue I got a letter in mail from Chime ( www.chime.com ) that contained a welcome letter and a debit card with instructions to activate the card and the account. I was surprised as I had not heard of Chime nor had I submitted any application to open an account. I called the phone number on the card and talked to a woman and stated my problem. She asked me to give my social security number and she said without my social security number she won't be able to proceed or investigate. This made me even more anxious since it meant they already have my social security number and used that to open the account. Or else they were trying to get the social security number from me in the call. The woman said she will record the complaint but with no assurances about how it will be handled or without providing the information about how this account was opened without my knowledge or authorization. 

It is certain that this is one of 2 possibilities : - identity theft where someone has stolen my identity to open the account - opening an account in my name without my authorization ( similar to the XXXX XXXX incident that happened a few years ago ). 

I am very concerned about this episode and would like to get to the bottom of this.
Product: Payday loan, title loan, or personal loan

I signed up for a personal loan in the amount of {$2800.00} on XX/XX/XXXX. I received {$2500.00} in loan funds on XX/XX/XXXX. I have made payments totaling {$820.00} since receiving the loan funds of {$2500.00}. My current balance owed on the personal loan is {$3200.00} and I have been charged interest and fees totaling {$1500.00}. These interest and fee amounts exceed the state legal limits set by Oregon. The current rate of fees and interest being charged on this account have made it impossible for me to pay off the loan. I called Netcredit to discuss this and ask for at least one of the monthly fees to be waived and was told this was not possible. In addition to submitting this complaint I am looking into joining a class action lawsuit against Netcredit. Our government and the CFPB needs to do better at protecting consumers from personal loans like these -- these should not be legal.
Product: Checking or savings account

Cash app took hundreds of dollars out of my account leaving it in the negative. They proceeded to close my account. When I asked why, they gave me a link to terms and conditions and no explanation to what may have been violated.
Product: Mortgage

On XX/XX/XXXX, I contacted PennyMac to let them know I'd lost my job. 
I had already paid the amount due for XXXX and they assured me they could offer a hardship " pause '' in payments for up to 4 months and then we'd assess where I was after that time. 

I apparently did not check in during the month of XXXX ( payment was due just two weeks after I called ) thinking I'd made this arrangement for the month of XXXX. 

I fortunately received an offer letter today ( for a new job ) and immediately attempted to contact PennyMac to make payments for XXXX and XXXX. I was informed that my loan is delinquent, I have been assessed late fees and it's my fault for not calling last month. ( I've been monitoring emails and mail with nothing from them. Any phone call had no details regarding the status of my loan and would likely have been lost in the swirl of overseas scammers I've had to deal with in looking for employment. )
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft. Please see indentity theft report attached. I have consistently disputed fraudulent accounts that are results of identity theft on my credit profiles with all three credit bureaus, and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles.
Product: Money transfer, virtual currency, or money service

I am filling out a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XX/XX/2020, contacted company on credit report, credit management, at XXXX, concerning entry to credit report. I let them know i do not owe XXXX, it was paid im full and that i have a confirmation number to prove it from XXXX, and XXXX billing dept number to confirm. So the agent told me that they would bring it to a {$0.00} balance. I said no remove the entry to my credit report because its done in error and indo not owe XXXX. The company refused to remove it.
Product: Vehicle loan or lease

At the end of XX/XX/XXXX I traded in my Toyota leases ( XXXX XXXX & XXXX XXXX  ) to XXXX XXXX in XXXX NY. XXXX Sent Toyota check ( s ) to pay both off. It appears that Toyota misapplied funds, all monies were apply to XXXX leaving an overage. I received a late notice for the XXXX? I called XXXX to find out why. Mr XXXX, sent me a copy of the canceled check for the highlander. I could not reach Toyota. Mr XXXX DID get through to Toyota XX/XX/XXXX, talked with XXXX ID # XXXX she assured him money would be transferred. I figured that would be the end and Toyota would correct their mistake. The beginning of XX/XX/XXXX I noticed something odd on my credit report reported from Toyota so once again I phoned Toyota on XX/XX/XXXX. On XX/XX/XXXX, I spoke with 3 people XXXX ID # XXXX, XXXX ID # XXXX & XXXX ID # XXXX. XXXX was the only person that seam to have some knowledge and found the mistake, she asked to give it a couple of weeks so the money could get correctly applied after the account was reviewed. I called today XX/XX/XXXX ( 2 wks ), talked to XXXX ID # XXXX, after explaining what happened to the account, she went through the notes. XXXX told me that the account need to be reviewed & give it a couple of weeks. This has given me much trepidation, and is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Product: Credit reporting or other personal consumer reports

Ive been disputing inaccuracies and the company keep updating inaccurate information I asked them to do reinvestigation and still account has not been deleted! Consumer reporting agencies havent sent me any description or relevant information on these accounts. Account name- XXXXXXXX XXXX  XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX Also transunion keep updating XXXX with inaccurate information please have these accounts deleted! These consumer reporting agencies are breaking FCRA LAWS!!!! 15 usc 1681 ( a ) ( 1 )! 15 usc 1681 ( b ) ( 2 ) permissible purpose! 1681 ( 6 ) ( b ) iii description of procedure! And also a consumer report excludes transactions and experiences accordance to 15 usc 1681 ( a ) ( 2 ) i please please delete!
Product: Credit reporting, credit repair services, or other personal consumer reports

when to the car dealership to purchase a vehicle i was told they only going to run my credit with, XXXX XXXX XXXX. 
now i have multiple hard inquiries. I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Due to the institution i attended conducting in predatory lending practices I wish this debt to be discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly ( 120 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages 6, 7, and 8 of the attached credit report. ) This account has been paid in full since XXXX, 2019 and should not be reporting on my credit report. This account has been closed. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score.
Product: Mortgage

I mailed my mortgage payment for XX/XX/year>, with {$8000.00} extra to apply to principal. Instead, they applied it towards XXXX and XXXX mortgage payments and only applied the extra {$4400.00} towards principal. 

I called them on XX/XX/XXXX to explain the error. They said they would fix it in XXXX hours. They did not. 

I called again on XX/XX/XXXX and explained again. They said it would be fixed by XXXX XXXX. It was not. In fact, they applied the {$4400.00} towards the mortgage payments until XXXX XXXX, XXXX. 

I called again on XXXX XXXX and told them they had fixed it backwards. They escalated the process, said they would send forward a complaint and have it fixed in XXXX hours. It was not. 

I called on XXXX XXXX and received an automated message that the issue was being fixed and would be done by XXXX XXXX. It is not.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

On XX/XX/XXXX, I requested credit freezes for a XXXX XXXX  of mine from Equifax. On XX/XX/XXXX, Equifax responded with a confirmation letter with a typo in the name of the minor child. 

I called ( XXXX ) XXXX. 

An automated system asked me to identify myself. The information the automated system asked about was unknown to me. ( I'll be filing a separate complaint about it. ) I was unable to request a name correction for my minor child.