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

On several occasions I requested that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX be removed from my credit report for unlawfully re-aged payment and charge-off dates Proof of Charge off Status are easily track via the credit reporting agencies own internal data and reports given to me. I never committed any act that trigger the re-aging of the account or starts the statute of limitations clock all over again. XXXX XXXX XXXX has submitted numerous dates as the Charge off date and has also submitted various updates to payment status. Due to situations beyond my control my last payment to XXXX XXXX XXXX was XXXX of XXXX. However XXXX continued to update as if payments were being made. XX/XX/XXXX. Later the debt was posted with new charge-off date of XX/XX/XXXX, then again as XX/XX/XXXX. The date that the creditor places the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency, not the creditors later actions. The Credit Reporting Agencies also makes it difficult to Request consumer disclosure file. The consumer disclosure file would assist me in providing proof of my claim. However when I have called the credit reporting agencies I have been told that I could only receive a credit report not my full disclosure file not even if I paid for it. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out my account was re-aged the Credit Reporting Agencies allowed XXXX XXXX XXXX to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. 

Re-aged charge-off dates according tot the Credit Reporting Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ).

Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

THERE IS XXXX INQUIRES ON MY CREDIT REPORT. AND WHEN I CALL BARCLAYS BANK DELAWARE THEY HAVE FAILED TO SEND ME PROOF THAT I MADE THE INQUIRES
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputing the presence of fraudulent accounts on my credit report, as the banks have confirmed the validity of the provided documentation and agreed to remove these accounts over the phone. Compliance with the law mandates the immediate removal of these fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a security freeze with all the major credit agencies for myself and my spouse XXXX XXXX, XXXX, and Equifax. The complaint is only with Equifax. On XXXX XXXX We temporarily lifted the freeze on these accounts. We were unable to access our online accounts with Equifax, we called and spoke to a representative at Equifax to complete the order. We then spoke to several representatives about this access for our accounts. These conversations lasted over three hours on XX/XX/XXXX. We are unable to check our credit report or credit score or lock or unlock our accounts. We were assigned case numbers for this problem. Equifax stated that they would close the old accounts and reset for new ones as they were unable to recover the accounts. I was told to wait three to five days and check back. We called again on XXXX XXXX which lasted another two hours the cases were escalated. We were told a second time to wait 24 to 48 hours. Still the same problem. We need our myequifax accounts accessible because we can not manage a freeze. We can not start or stop a security freeze.
Product: Debt collection

I have tried numerous times to talk to someone at Ally Financial about an auto debt that I paid off last year, on XX/XX/2020. If and when I actually get to talk to someone about my account, they say they cant help me. It was sent to a collections agency XXXX XXXX XXXX XXXX. I had set up payments with them on behalf of Ally Financial to resolve this debt and it was paid in full. XXXX XXXX XXXX said they notified Ally that the debt was taken care of. Ally will not only update with the credit Bureaus that the account was settled and that there is a XXXX  balance. They are alleging I now owe another {$10000.00} 's. Which is the amount that was already paid. My credit score is dropping so far down, because they refuse to change my status. One of there representatives told me to file disputes, which I have done numerous times with no resolve. I have documents, and receipts with proof of payments made. I am not sure what else to do at this point. This derogatory remark is ruining me and my families ability to apply for any type of loans. During these difficult times.
Product: Credit reporting

I do not owe XXXX XXXX {$500.00}. I would like to dispute this charge. I am wiling to settle the debt for less than that amount. I would settle for {$200.00} and a payment plan. Please let me know if you can help with this, thank you.
Product: Bank account or service

i bank at chase bank, on XXXX a transaction was debited to my acct in the amt of XXXX the debit still showed pending on XXXX @ XXXX. chase bank posted the debit, plus charged me a XXXX overdraft fee. my payroll came into my acct at XXXX. this is not the 1st time I 've had this problem with chase bank. they had to reverse some fees in 2015 when they did my acct like this. they post pymts and will back date the date that it posted so they can charge an overdraft fee. this is going to cause my acct to be in the negative once my other bills come into my acct.
Product: Student loan

So FedLoans have said over and over that my XXXX form is complete and is pending final review. I submitted this information and documentation XXXX. It has been over four months of waiting! I was told by their staff that it would be processed in 2-3 months. I have completed the required payments and have worked at qualifying locations for the correct amount of time which has all been verified. There is no reason why this should take over 120 days to complete. Now they say Unfortunately the review is not being completed by us. The review is being completed by the XXXX XXXX XXXX ( XXXX ). We have to wait for their response. But when I contacted Federal Student Aid about it, the XXXX said We apologize for the inconvenience, but we are unable to perform you request, but considering on your information on Fedloan Servicing 's behavior and delays on processing your Loan Forgiveness, you may need to report the servicer 's suspicious activity via the XXXX Feedback System. I just want to have my XXXX XXXX XXXX XXXX approved in a timely manner. It has been almost five months since I submitted my XXXX Form in XXXX of XXXX. This needs resolved immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX  XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Checking or savings account

I would like to see if you can accept additional documentation on my original claim. I called earlier and XXXX said I could not since it had already been sent to the company. I have a copy of a check sent to me by Bitcoin for $ XXXX that I was supposed to send to a bank in California for safekeeping from the hackers. I did that, then I started getting suspicious when they asked for another {$90000.00}. I emailed Bitcoin and asked for a copy of the font and back of the check with no response ever. 

I have also made 2 police reports that I made, 1 with the intake policeman at the police station, then it was turned over to the fraud department. They didn't deal with it at all. 

I contacted the FDIC and was referred to you. Please inform me of anything I can send in addition to what I have already sent in that would help to determine my case. 

I am XXXX XXXX XXXX next month and do not deal much on the computer and know what is expected in correspondence of this magnitude. This money was withdrawn from my retirement account as part of my daughter 's inheritance and she is very ill at the moment so I wanted to give it toher early. 

I can send you copies of the check and the police department. The hackers told me I couldn't go to the Bank to discuss this because they thought it was an inside job. That made sense to me because I never have that kind of money in my checking account.. I would like for the CFPB to wait until the decision has been made because I was told by the police not to communicate with Bitcoin or the hackers again after that. I don't want the hackers to be aware that I am delving deeper into this. I am old and not in great helalth, worked hard for my retirement. Please help I can fax the info to you or email it.
Product: Debt collection

I have received numerous calls from this company and have submitted XXXX separate complaints prior to this XXXX. On XXXX XXXX, 2016 they called my brother, sister, wife, sister in law and nephew. They keep leaving recorded messages for me on my nephews voice mail. In the call to my sister on XXXX XXXX, 2016 they said they were calling from www.investigation and said that I listed her as a contact person and that she does n't know but it may be a timing issue and that she needs her to verify some information and told my sister my address. My sister asked her to email her a copy where I put her down as a contact person. The woman said she 'll just put down that I falsified information. 

Firstly, I have never given this company or this person prior express consent. 

Second, they threatened legal action in an attempt to intimidate in a call to the cell phone of my mother in law. 

Thirdly, they disclosed the last XXXX digits of my social security # in a voice mail in a call placed to my mother in law. 

Fourthly, they placed a call using automated telephone equipment or an artificial or prerecorded voice to my cell phone as well as the cell phones of my mother in law, sister in law, brother, sister, nephew and wife. 

Fifthly, they disclosed my address to my sister. 

This company is menacing, threatening, stalking and harassing me and my family.
Product: Debt collection

I have received a phone call from XXXX in regards to a debt owed to Citibank. Theystated they are a medication service. I have advised them i am working with a 3rd party on this matter and all of this information went into a judgement back in XX/XX/2014. I have requested supervisors, and never received a call back. Advised agents that I am already working on this and to stop the calls. I was advised that calls will continue because they dont have the documentation on their side. I have asked not to be contacted, and still receiving calls. This matter is being handled through XXXX XXXX  XXXX in XXXX, AL and my bank statements show payments are being made and are on time.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute XXXX late payments reported on my credit reports by XXXX during XXXX XXXX XXXX period. 
These payments, marked late on : XXXX XXXX 30 Days Late.- XXXX XXXXXXXX 30 Days Late.- XXXX XXXX 30 Days Late.- -XXXX : - Account Number : XXXX Have been inaccurately reported by both XXXX, TransUnion and XXXX have severely impacted my credit score. I am seeking assistance for their removal based on protections outlined in the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 
Background of the Account : Due to financial hardship during the XXXX pandemic, I encountered unexpected challenges that made timely payments difficult. During this period, I understood that creditors were encouraged under the CARES Act to provide accommodations for those financially impacted by XXXX, including continuing to report accounts as current when payments were deferred, or forbearance was granted. XXXX, TransUnion and XXXX, continued to report these payments as late, despite the economic strain caused by the pandemic and the expectation of flexibility. 
Request for Immediate Correction under the CARES Act : The CARES Act specifically mandates that creditors offer accommodations to consumers impacted by XXXX by maintaining current account status during agreed-upon relief periods. I believe XXXX, Transunion and XXXX failed to follow these guidelines and, as such, has inaccurately reported late payments. 
Given that these late payments occurred during a pandemic-related hardship ; I am requesting that these entries be removed from my credit report. 
Violation of Fair Credit Reporting Act ( FCRA ) Standards : The FCRA mandates that all information reported to credit bureaus be accurate and fair. Reporting these payments as late is not only inaccurate given the conditions of the CARES Act, but also fails to reflect the reality of my situation during a federally recognized period of financial strain. Reporting these late payments, when they should have been classified as current under accommodations, is therefore misleading and in violation of FCRA standards. 
Truth in Lending Transparency Issues : The Truth in Lending Act ( TILA ) requires creditors to act with transparency and fairness, particularly in times of economic hardship. During the pandemic, XXXX, TransUnion and XXXX did not adequately communicate options for accommodations or relief, despite the extraordinary circumstances. As a result, I was not provided with fair access to options that could have helped me avoid these late payments. 
Resolution Requested : Considering the CARES Act, FCRA, and TILA guidelines, I request that the CFPB review this case and require XXXX, TransUnion and XXXX to remove the XXXX late payments from my credit reports. 
Thank you for your time and assistance in correcting this matter. I look forward to a prompt resolution that accurately reflects my credit history. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS, SPECIFICALLY A REHABILIATED LOAN THAT I HAVE CONSECUTIVELY PAID AS AGREED WHICH VIOLATES 15 USC 1681 S-2 ( i ) ( l ) I'VE CONTACTED EACH BUREAU BY PHONE AND CERTIFIED MAIL AND NONE OF THIS INFORMATION HAS BEEN VERIFED BUT STILL REPORTING ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B
Product: Debt collection

I had went to the dentist about 3 years ago in XXXX for a check up they offered to do a deep cleaning service on my teeth and told me if approved I can start in a few weeks they took a {$50.00} payment from me and 2 days later I called and told them to cancel the cleaning because I didnt feel it was needed a year later on my credit report it shows that I was charged {$1200.00} for the treatment and I kept getting emails and phone calls from debt collectors which I tried talking to and they ignored me and told me I have to still pay them regardless of the situation when I told them dozens of times I havent received a cleaning I found a credit repair to dispute it off of my credit which has dropped over XXXX points from my credit and a year later it pops back up in XXXX in XXXX and I explained to them again I do not owe you guys for a treatment I never received and as they said to me as well I still have to pay them and that my credit will continue to drop for 7 years till I pay them and that they were willing to Negotiate how much I need to pay them up front and I kept refusing to pay for a treatment I never did and as one guy stated it doesnt matter if you call them and try to negotiate with them once its reported to us you have to pay this debt. Ive been fighting to take this off for almost 2 years now
Product: Credit reporting, credit repair services, or other personal consumer reports

1. 
( XXXX XXXX ) account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

2. 
XXXXXXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

3. 
XXXXXXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

4. 
XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

5. 


XXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed.
Product: Mortgage

For decades consumers have been making bi-monthly payments for the purpose of reducing the number of years for payment. I myself have been doing this with mortgage and financial companies for over 30 years. Typically mortgage companies and financial institutions would charge a " set-up '' fee for the privilege of bi-monthly payments, or if a customer was savvy enough, they could just simply do it themselves. 

Today I realized via some wording on their payment page - Quicken Loans does not apply bi-monthly payments. They hold the consumer 's payment in a " suspend '' account and only apply the payment to the consumer 's loan when the entire loan payment has been received. Not only is this practice immoral and unethical - it is reprehensible. 

I am sure they have found some legal loophole? How can they create a " suspend '' account and hold my funds? They are earning interest on MY money I have thought has been applied to my loan for years!!!!!! How can this practice be legal?
Product: Credit card

I have unable to make an online payment for my Target RedCard account. The option is simply missing. The autopay I had previously set up is no longer processing and I no longer have an option for that, either. 
The option to contact support is also non-functional. 

I have tried multiple devices and multiple browsers. 

Contacting via phone has been unsuccessful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN Recently, I looked at my credit record, and it brought on a tremendous sadness.

I have been feeling down and suicidal lately. This is harmful to my health and a defamation of my character. I found evidence that your organization didn't double-check for accuracy before reporting it.In accordance with Section 1681e ( b ) ( b ) Accuracy of report of the United States Code ( 15 U.S.C When a consumer reporting service creates a report on an individual, they are required to take reasonable measures to ensure the data is as accurate as feasible.

According to my research, Section 1681i ( 5A ) of Title 15 of the United States Code deals with how false or questionable facts are handled.

As soon as possible after the completion of any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, the consumer reporting agency shall immediately delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation : and immediately notify the furnisher of that information that it has been deleted or modified.

I require you to delete the below accounts and/or information if you are unable to provide me with a copy of verifiable proof within 15 days of your inquiry.

In any case i appreciate your assistance with this.

Under 15 U.S Code 1681e ( b ) AND 15 U.S Code1681i ( 5 ) these accounts is in violation not reporting 100 % accurate. 


XXXX. XXXX Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX debt collector that stated I had to pay XXXX ..this debt was originally purchased from Jefferson capital date XX/XX/XXXX. from premier credit card back on date XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX @ XXXX I spoke to a woman wouldnt give me her name I told her this debt had been paid off back in XXXX to Jefferson capital I have proof ... she told me that the original debt was only paid on for XXXX back on XX/XX/XXXX ... I had set up payment plans for XXXX after the initial payment of XXXX on date XX/XX/XXXX ... the woman spoke in XXXX accesnt and couldnt provide any proof stating the original account from Jefferson capital was paid off. I asked for them to send me proof of the account agreement from the company Jefferson capital she immediately got discouraged with me stating it wasnt her job to prove or provide that information.. then she stated YOU CAN STAY IN COLLECTIONS FOR ALL I CARE ... then hung up on me