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

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need you to DELETE the accounts listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Calling for another person ( nephew ) to collect debt. 

Nephew XXXX XXXX was being contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/2018 ( Reference : XXXX ). They said that emailed me a Credit Score, but I never got it. And still companies can not retrieve my credit score from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time going and submitting the appropriate information and I keep getting push back when I have provided all correct documents- They keep saying they have reached out to me for a second time but I never get that communication. 

Just as a reminder I have had consultation so I know I have provided the appropriate documents because I called the support line, and they walked me through the process and looked over all my documents so please delete and block the information in the allotted time so that I can move on please. 


I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation notarized, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under trafficking according to Trafficking-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 



I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW.

Which I have provided both all of my documentation as well as an attestation validated by a court appointed representative hence the form was read and notarized. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the trafficking CFPB -FCRA FINAL FACT. I have been in therapy since before the final ruling effective date XX/XX/2022, and I have self- attested as well as provided documentation showing I am in group sessions with an advocacy group and my attestation was signed by a State appointed rep from the courts with time stamp and dates. I have provided all appropriate documentation and Im in compliance under the Final Rule which established me as a victim of debt bondage which falls under trafficking. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Very RESPECTFULLY, PLEASE DELETE AND BLOCK the requested information on the previous communication.
Product: Debt collection

Firstly it says inpatient count of Florida so I'm assuming it's medical that's impossible because I haven't lived in that state that time of year I haven't even lived in that state for over 7 years so that can't possibly be my debt not to mention how Phoenix financial service is reported it on my report six times can't you see something's wrong here
Product: Credit reporting or other personal consumer reports

I did a review of my credit report and noticed that I had late payments on an account and I have never been late according to the credit reporting agencies and they have assumed a vital role and responsibility of submitting consumer information to the maximum accuracy. I have never been late in payment of this account XXXX XXXX XXXX XXXXXXXX please investigate and provide proof of status showing that these payments are late, if proof can not be provided I demand that this payment be updated in a timely manner, because I I have not been behind on this account. thank you.
Product: Money transfer, virtual currency, or money service

ISSUE 1 : XXXX XXXX, 2017 XXXX XXXX UTC -- XXXX LTC ( Litecoin ) was sold from my account for XXXX BTC with a fee of XXXX BTC. At that time the rate for BTC/LTC was about XXXX BTC/LTC. This is currently worth over {$10000.00} USD. ISSUE 2 : It has been nearly 1 week after this incident. I can not access ANY of my funds in XXXX since the above time. Furthermore, Coinbase is having a week-long " minor outage '' affecting everyone. ISSUE 3 : Customer service? There is none. They do not respond and I can not speak with a person.
Product: Credit reporting or other personal consumer reports

I am aware that despite customers providing precise information, you have been using pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand that this is illegal, as each customer complaint should be individually considered and handled appropriately.

My letters are created using accessible software available to everyone. If you choose not to process my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay processing based on the assumption of third-party assistance. This does not qualify as a legal exception. I am the sole author of letters bearing my name, or they are written by my advisors with my knowledge and consent. Failure to respond promptly will be seen as a willful disregard for my rights, and legal action will be taken.

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and Metro 2 data field reporting standards, I have the right to dispute incorrect information on my credit report. It is essential that all data in a consumer 's file is properly documented and validated. The allegations against me are false, and I won't tolerate misinformation about my financial history. I challenge these claims due to their failure to comply with reporting standards. It is your responsibility to report data accurately and in compliance with FCRA and METRO 2 standards. Handle this matter with care and diligence.
Product: Mortgage

I make my monthly payment online to my mortgage company ( Associated Bank ), as encouraged by my lender. My payment amount is about {$680.00}. and I generally pay more. Associated Bank 's online payment program allows customers to select from the following XXXX options ; ( 1 ) Payment ( 2 ) Principal Only ( 3 ) Escrow Only. For my XX/XX/XXXX and XX/XX/XXXX payments I selected ( XXXX ) Payment - with the expectation that the payment would be applied to Principal and Interest. After making my XX/XX/XXXX payment, I noticed that both, my XX/XX/XXXX and XX/XX/XXXX payments were applied XXXX % to Principal. 
I called Associated Bank and advised this was not as intended and I needed the payments to be applied to Principal and interest otherwise, I was being harmed as a customer and would need to pay more. 
They said they would look into it and get back to me. They have since said they can not reapply my payments and that I have not been harmed. But here are the facts. 
3 payments of {$680.00} is {$2000.00}. 
I paid {$720.00} in XX/XX/XXXX, {$750.00} in XX/XX/XXXX for a total of {$1400.00}. 
I was informed that since my last two payments were applied only to Principal that my accrued interests balance is more than {$1400.00} ( which I would need to get to XXXX for future payments to be applied to principal ). So if I add what I 've paid for XX/XX/XXXX and XX/XX/XXXX {$1400.00} and {$1400.00} ( accrued interest ) that totals {$2800.00}, which is more than {$800.00} more than I would be required to pay during the same 3 month period. 
Not only am I being forced to pay more over a three-month period. It appears there is a systemic problem with Associated Banks online payment process that applies payments in a manner that harms their customers. I never requested that my payments be applied only to principal and now they are telling me it will not cost me more ( not correct as noted above ) and that they can not fix it ( not true, I am sure they can re-apply payments whenever they want ). 
Again, all I ask is that my payments be applied as they were intended, which is to Principal and Interest and not in a manner that benefits Associated Bank, or harms me, which is what they are doing. 
Again, it seems to me there is clearly a systemic issue at Associated Bank that is benefiting them while harming their customers.
Product: Credit card

i submitted a claim for XXXX XXXX with you all. They wrote me back kindly and said they sold my debt to Calvary. Well calvary wants to sue me. After XXXX XXXX heard why i fell behind and they were sending old bills to wrong address. they were compassionate and said they would forgive it but its now sold to calvary. calvary is now suing me without giving me any chance to explain why i fell behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax several times on XX/XX/XXXX I told them I was a victim of identity theft and I have 3 unauthorized inquiries from XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they did not remove the inquiries.
Product: Debt collection

XXXX informed me that my information such as drivers number, address, email password and social security number was on the dark web. I checked my credit report and seen {$610.00} bill from XXXX and I've never used the service in my life. Im not sure who or how they got my identification but it was done in a fraudulent manner and this is affecting my life and my ability to get a apartment.
Product: Credit reporting or other personal consumer reports

I've reached out to XXXX several times about the information they are reporting to the credit reporting agencies after I've disputed the accuracy of the information that the agencies are showing on my credit reports. Because every time, XXXX, Experian, and XXXX are stating that they have verified the information with XXXX, however, XXXX is stating otherwise. So if I do not owe XXXX and they are not attempting to collect anything from me, why are the Credit Reporting Agencies are reporting such inaccurate information.
Product: Checking or savings account

on XX/XX/XXXX XXXX, someone by the name of XXXX XXXX took at XXXX, from a XXXX  account in my name, i dont know who this was, it was stolen from my account, .I told the bank about it, they investigated and said theres nothing they can do. capital one 360 checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is regarding numerous letters mailed and faxes to XXXX, Equifax, and XXXX Credit Bureaus since XX/XX/2017, I have kept documentations on when letters have been mailed and when they have been received by Transactioins. In these letters I disputed very old accounts that contain concerning information which is not correct and it is affecting my credit report and score. I disputed the accuracy of account # XXXX from XXXX XXXX and the three accounts with XXXX XXXX accounts # XXXX. 

These items are in violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ), I  have never owed this company and wrote XXXX, Equifax, and XXXX  about its accuracy and why it is appearing on my credit report. I have not heard anything from them and asking for proof to show which has been continually ignored and not provided. I have also repeatedly asked for evidence to support there reporting and their method of verification and they have failed to comply accordingly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX IS REPORTING FRAUDULENT INFORMATION TO XXXX, XXXX, AND EXPERIAN AND ALSO STORING FRAUDULENT DATA IN THEIR SYSTEM UNDER MY PERSONAL INFORMATION. DEMANDING THE SHARING OF ANY INFORMATION UNDER SECTION 15 USC 1692CC. THE CHAPTER 13 INFORMATION BEING SHARED IS FRAUD.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Balance - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX - Account Number:XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number:XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX XXXX XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Account Number : XXXX -Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number:XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number:3XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX -Date opened XX/XX/XXXX Account Name : XXXX - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX- Account Number:XXXX opened XX/XX/XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

I am filing this complaint because REGIONAL ACCEPTANCE CO ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Debt collection

I ended up in the hospital for XXXX XXXX XXXX XXXX. Before this experience, I applied for governmental medical insurance and received it ; somehow, the insurer didn't honor the coverage, and the hospital came after me. The hospital reminded me of the debt, which I said was the insurer 's responsibility. The hospital asked me to get on payment arrangements. I couldn't afford any payment then, so it went to collections. Due to that debt on my credit, it interfered with finding jobs to help pay the debt and secure my livelihood. An illness and medical debt should not be hindrances to economic security, so I had to work 1099 jobs, and it was just enough to cover the basics. I shared my concerns with the hospital, collection agency, and XXXX. I have been fighting this battle with XXXX for over two years, complaint after complaint. I just learned that the last administration enacted the Debt Medical Relief Act law on XX/XX/year>. I wrote a letter to XXXX and Aargon Collection Agency about the law. The Aargon Collection Agency supervisor told me that President Trump was in office now and the debt would remain regardless of the law. I couldn't believe her words and found them to be uncouth. Also, XXXX told me to file a complaint with the CFPB because they weren't going to do anything. The arrogance of both agencies is unacceptable, so here I am filing the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I disputed the accuracy of a late payment on my report. I disputed this account with the creditor, XXXX XXXX  and all three major credit bureaus. Unfortunately, my efforts did render a positive outcome. XXXX XXXX  never responded to my request for validation or an exemption for the one time late payment. Under these circumstance, the creditor not responding within a 30 day time frame upon receipt of my dispute, is sufficient means for deletion off my credit report. XXXX  & TransUnion both disregarded the FCRA ruling by not thoroughly investigating this dispute properly. I'm requesting deletion based upon the fact that they did not follow procedures as outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit agencies. XXXX, Experian, and XXXX  asking for account validation/verification from XXXX XXXX. I have sent the disputes a year ago! not only have I have not gotten a response back but they are also still reporting on my credit report. I have proof of delivery to both the collection agency and all three credit bureaus via usps certified mail return receipt and original documents. The bureaus are not responding to my request to provide validation or delete the account, my score is suffering and it is stopping me from purchasing a home!
Product: Student loan

Companies Continued coercing me into FORBEARANCE. Companies names XXXX XXXX subsidized and unsubsidize, FFEL Stanford, and Navient.
Product: Debt collection

Shell point purchased my loan and ever since there has been an administration charge on my account. I didnt contest the charge I called like instructed and paid the {$99.00} charge but the charge did not get removed. Then I called the following month and paid the {$99.00} charge again. This time not only was the charge not paid but my payment was reapplied which has caused me to have additional interest added to my account because this {$99.00} charge on my account prevents me from paying additional principal. I have contacted them 5 times on this issues that has been ongoing since XXXX XXXX XXXX, each time the customer service agent I have talked to agrees that this is their issue however the issues still continues. Having a debit collector force customers into a situation where they can not pay additional principal should be criminal and in my case where I tried to rectify the issue willingly multiple times they should be required to refund the interest accrued on my account t since my first attempt to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX Sent a dispute out on XXXX XXXX on the The following Account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statue of limitations. 

Ive also noticed on the account there were errors in the ( BALANCE ) & ( DATE OF LAST ACTIVITY ) section. Equifax is reporting a balance of {$290.00} with a date of last activity as XX/XX/XXXX, XXXX is reporting a balance of {$0.00} with a date of last activity as XX/XX/XXXX and XXXX is reporting a balance of {$490.00} with a date of last activity as XX/XX/XXXX now all three of these balances and date of last activity cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It was there duty to ensure that all information reported is consistent and most importantly accurate and they have failed to do so. So i asked that if they could Please DELETE this erroneous item immediately they reported that it was updated but nothing was changed. 

All in all theres plenty of discrepancies on this one account alone XXXX is reporting the high balance as {$490.00} XXXX is reporting the high balance at {$0.00} and Equifax is reporting it as {$290.00}. Second is the Dola Date XXXX is reporting it as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and equifax is reporting XX/XX/XXXX. Third error is that XXXX is reporting the closed date as XX/XX/XXXX but XXXX  and equifax has no closed date which makes no sense at all if the account status is reporting as a closed/Charge off then whats the closed date? Fourth error is the last payment transunion is reporting it as XX/XX/XXXX, XXXX is reporting it as the same XX/XX/XXXX but equifax is reporting it as XX/XX/XXXX. The Fifth error is the late payment thats being reported XXXX is reporting that there was no late payment in XXXX but equifax is reporting it as 30 days late and in XXXX XXXX is reporting 30 days late but equifax is reporting 60 days and XX/XX/XXXX XXXX is reporting 60 days when equifax is reporting 90 days but XXXX is reporting 90 days late in fed XXXX. There is so many errors on this one account alone that i distorted and came back verified and updated which you can obviously see was not so there for i believe that they should remove the account from my credit file theyve been reporting wrong information on this account for years
Product: Consumer Loan

I got a loan through Big Picture Loan and was not given correct information about it. I am being charged 968 % interest on a {$350.00} loan. In total i am paying back {$1800.00}. And I have to pay {$120.00} every two weeks. I was never told that I would have to pay so much back or that I would have to make payments every two weeks. If I would have known this I would have never borrowed money from them. Is this legal? Is there any way I can get out of this?