23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # 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 reporting, credit repair services, or other personal consumer reports

I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit card account was opened with a {$500.00} limit. Hadn't used it since I was only using it for the credit from its existence. On XX/XX/XXXX I went to increase the card 's limit to {$2500.00} ( Hard inquiry to XXXX ). 

Within a month, I discovered all three credit bureaus were reporting that the credit account 's opening date was changed to the date of the credit increase. A huge no-no, considering this account is one of two ( Three including an auto lease, which expires later this year ) with the account in question being the oldest. I immediately contacted all three credit bureaus and started disputes with them to correct this information. 

XXXX and XXXX promptly confirmed the original opening date and corrected it within their credit reports. Although XXXX seems to have reverted the correction in the very next report. I am unsure if XXXX has adhered to their correction. 

Now here 's the beef. When I went to file a dispute with Equifax on XX/XX/XXXX explicitly about the account 's opening date, they concluded on XX/XX/XXXX : " Verified the date of last payment. '' without correcting the necessary information. I opened another dispute on XX/XX/XXXX, making myself even clearer. Same response received XX/XX/XXXX. I nearly just made a third with bountiful supporting documentation, but it wouldn't let me attach any documents because of a few " Bugs ''. 

The bank is reporting the account 's information opening date to the credit bureaus correctly and continues to do so. Equifax, XXXX, and XXXX have received disputes from me regarding the matter. XXXX  and XXXX seem to have corrected the issue, but I can not monitor the former 's consistency ; the latter has resumed reporting the incorrect opening date ; and Equifax has " Verified '' irrelevant information after two separate disputes were filed. 

I did some digging about Equifax 's troublesome process ( Or lack-there-of ) and PR quagmire, even stumbling onto a recent lawsuit regarding similar issues that I'm experiencing. Time to step my game up and get someone to light a fire under their pants, my credit is on the line. We're talking about a 60 point+ neutering that drop kicked me two brackets down.
Product: Credit reporting

I closed out my credit card account with XXXX XXXX bank but they reported that I was delinquent in paying starting in XXXX XXXX. I asked them to close my account in XXXX but they did not and reported me as delinquent instead. I attached a letter from XXXX XXXX Bank stating I have a {$0.00} balance and the account is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This is for XXXX XXXX SYNCHRONY BANK credit card I, XXXX XXXX, sent a validation of debt letter to SYNCHRONY BANK on XX/XX/XXXX and they recieved it on XX/XX/XXXX with a tracking number of XXXX certified mail. SYNCHRONY BANK failed to validate the debt with an affidavit in the 15 days I provided them. I then had sent a cease and desist letter on XX/XX/XXXX and SYNCHRONY BANK received is on XX/XX/XXXX with a tracking number of XXXX certified mail. SYNCHRONY BANK has since been mailing a bill due and has not provided a letter validate the debt with an affidavit. SYNCHRONY BANK has since reported late payments to XXXX, XXXX, AND XXXX. I sent an affidavit of truth letter on XX/XX/XXXX and they received in on XX/XX/XXXX with a tracking number of XXXX certified mail. I provided them another 10 days to validate the debt via an affidavit. Today is XX/XX/XXXX and I am formally sending in a complaint
Product: Debt collection

I believe my HIPPA PHI rights have been violated. I DID NOT AUTHORIZE the sale/maufacture/contract of my personal health with this company. I recently created an account with Equifax. Upon account creation I noticed a collection account ( XXXX ) to the tune of {$1700.00} was on my credit report for medical collections. XXXX XXXX XXXX XXXXXXXX ( FL ) is the agency reporting this information. Once I recieved the information behind the collection on the Equifax portal ; I began communications with the collection agency via a Debt Validation letter. The letter was mailed certified XX/XX/XXXX. I have received a response from the company XX/XX/XXXX. The contents of their database disclose Reason for service. Not only is that my PHI but the " XXXX '' is a complete lie. I was only at the XXXX  for XXXX XXXX. I was processed in and back out within the time period of 2 hours. After reading further into their findings they included a document from the XXXX ( XXXX XXXXXXXX XXXX XXXX ). I never signed this document, received a copy from the hospital, nor signing this document. I was no incapacitated and was in a conscious state of mind. This document is signed via " Verbal Consent '' " Self '' and initialed " Verbal '' " Verbal. '' Not only was I not aware of this document but it also discloses my personal health information. I DID NOT SIGN/ AUTHORIZE this document. This is a clear violation and my personal health information was included along with extremely erroneous and false information. I need help settling this issue. The false medical reason of service is an extreme DEFEMATION OF CHARACTER. I am current awaiting response from XXXX and FTC. Seeking possible litigation if this issue is not resolved immediately. Please review my complaint as soon as possible. Thank you.
Product: Mortgage

Due to COVID-19 & the complete shutdown of the economy. I am no longer employed. I applied for the government sponsored CARES program through Wells Fargo My lone servicer. I'm am the original owner of the home. I've lived in the home since XXXX & have never missed payment until this COVID-19 global pandemic. 

On XX/XX/XXXX, Wells Fargo sent a repo company to my home at XXXX. I was told by the people sent, that they where told by Wells Fargo that my home was " abandoned '' & that no one lived there. I was told that Wells Fargo commonly lies about this sort of thing. Knowing fully well the home is occupied. 

Wells Fargo attempt to steal my house, empty its contents, & change the locks all without any communications with me the home owner. They never contacted me nor communicated any issues with my account. All of this in the middle of the greatest social crisis we've faced collectively as a nation. Effectively a vicious attempt to disposes me of property, freedom, health & ultimately attempt to kill me via exposure to COVID-19 on the streets. 

It should be noted that I'm not in foreclosure & only missed payments are a result of COVID-19 which prevents me from working due to world wide government mandated lock down.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer 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 Funds Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations
Product: Student loan

As of XX/XX/XXXX my wife and I had prepaid her Wells Fargo student loan to a point where our next payment due was listed as XX/XX/XXXX. For two years we continued to receive statements showing our principal balance in the amount of XXXX. What was not disclosed anywhere on the statement was the interest which was accumulating on our balance. Last month we paid off the statement balance of XXXX. When I logged on to the account to verify that the payment had been applied I was somewhat surprised to see a {$2100.00} balance representing the interest which had been accumulating over the past 2 years. It is common sense that lenders should be required to clearly depict the full balance of the account on the monthly account statement. Not representing the exact status of an account is clearly a deceptive and predatory practice. Please require lenders to be upfront and honest with their customers. Had I been clearly informed as to the status of accumulating interest I would have taken steps to pay down accumulating interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent several letters and faxes to  XXXX , Transunion,  XXXX  requesting that information be removed that has not been validated with supporting documents/contracts. This has not happen.  XXXX , Transunion,  XXXX  keeps coming back stating the information has been verified, but will not respond to me requesting supporting documents to validate the account or information pertaining to who verified and validated the information from the creditor.  XXXX , Transunion,   XXXX   is violation under the FCRA.
Product: Credit reporting or other personal consumer reports

Demand to comply with Consumer Notice of Identity Theft EXPERIAN has not complied with Fair Credit Reporting Act 15 USC 1681 c-2 for items identified to be a result of identity theft within 4 business days. SEE ATTACHED
Product: Debt collection

South West credit system states I have a det of XXXX I have never work with any company they do business with. Or this deat is per  XXXX XXXX deat. Any thing before XXXX was listed under the XXXX XXXX
Product: Mortgage

We have a home equity loan with Bank of America. We have to carry flood insurance on the home-which we do-now they want us to pay for flood insurance on out buildings-a garage and a 3 sided barn because they think we could live in them. When we last check with FEMA they don't cover out buildings. We tried to resolve this and had our insurance agent send the information that they asked for. They ( BOA ) decided we needed flood insurance on a three sided barn still. They also stated that the insurance agent didn't send the info on her letterhead. As far as we are concerned this is harassement. We have never missed a payment and have great credit. BOA seems to want more money any way that they can get it. Our land value along with no buildings is worth more than the loan. " XXXX also stated that the garage was now not having to have insurance but got the insurance papers in the mail the dame day we got a letter that they were reviewing this issue.
Product: Credit card or prepaid card

American Express is a disgraceful company. I asked them on multiple and multiple occasions to give me a refund, send me a check. I have a - {$200.00} balance on balance. I asked them several times months ago, THEY REFUSED TO SEND ME A CHECK. One customer service guy even laughed at me for Having an XXXX Name, VERY RACIST. Why did they not send the check? I had trouble with buying food and rent. I asked them multiple mulitple times, send me a check. And then when they finally send me check, i asked what compensation do you have for FAILING to ABIDE by contracts, and failing to following government consumer law, and failing to provide customer service, or abide by California policy. They said NOTHING, and laughed at me, it is like they do everything to disrespect/fraud people, THEY STOLE my money for a while, laughed at my face, and did nothing.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiri

es : 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: Student loan

I XXXX being a XXXX woman trying to better the lives of my family by attending school to become a XXXX, carrying XXXX full time jobs while I obtain that education, find the credit reporting actions of Federal Loan Servicing to be discriminatory to my race. I am not borowing any further student loans as I work XXXX full time jobs, but I do have a great deal of student loan debts that I will start paying on as soon as I complete my XXXX in XX/XX/2017. All of my student loans to date have been deferred of payments. So how can this agency report my payment history as 90-days late from the beginning. I have attached copies of how these accounts are reported with the credit bureaus. I never had to make payments while the loans were in deferment. I can not obtain credit due to the abusive reporting practices of this agency on my personal credit reports. I demand that since no payment history was ever legally established, that all payments histories be purged from each and every account posted on credit. This abusive reporting action must cease immediately.
Product: Credit reporting or other personal consumer reports

Hard inquiries are on my credit that I don't recognize. I want all of them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.

Seeking remedy for these violations
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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, credit repair services, 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. 

XXXX XXXX XXXX account number:XXXX, XXXX XXXX account number:XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXXXXXX XXXX account number : XXXX, XXXX XXXX XXXX  account number : XXXX, XXXX XXXX account number: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 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

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

My utility company XXXX XXXX says that I owe them {$510.00} for and unpaid bill that was sent to collections ( Bull City Financial ) back in XXXX. I'm currently working on trying to fix my credit and I discovered this bill, when I spoke with the agency and XXXX XXXX neither company could provide me proof that I owe this bill. The guy that I spoke with from XXXX told me that back in XXXX  they were updating they're systems during that time and that something could of went wrong the issue that I'm having is I know that I paid my bill, and I also know that there's no way I would be able to transfer or get lights anywhere with and outstanding bill. The guy proceeded to tell me that In the state of NC the statue of limitations says that I don't have to pay a bill that's 3 years old something like that, I also have an recording of our conversation I moved from that home that's associated with that bill during the time he says it was owe again there no proof I ask him out of 3 years why haven't anyone mentioned to me about this outstanding bill or sent anything in the mail no one hasn't call or anything I can't get statements either because of their new system I feel that has absolutely nothing to do with me when it comes to their systems.
Product: Debt collection

Merchants and Medical Credit is has continuously attempted to collect one 2 debts that do not belong to me. I have submitted disputes with all XXXX credit bureaus advising that these accounts do not belong to me. On XX/XX/2017, I mailed a letter directly to Merchants and Medical Credit requesting verification of the alleged debt. I did not receive a response, but they communicated with the credit bureaus. Until this point, they reported the accounts as in collection. After my letter was sent, Merchants and Medical increased the balance on one of the accounts by {$1.00} ( from {$440.00} to {$440.00} ) and listed them both as closed collection accounts. The following week, the accounts are listed as open collections with the balance on one being decreased by {$1.00} ( {$440.00} to {$440.00} ). In doing so, my credit score was further damaged. Photos are attached as proof that you changed the balance due. 
On XX/XX/2017, Merchants and Medical replied to a complaint filed with CFPB. They state that the alleged debt was for medical treatment for a minor child. They said that they will send an itemized bill that they just received. If the bill was just received, how could all of my previous disputes come back as verified if they are just now receiving the bill. 
Merchants and Medical Credit has failed on numerous occasions to provide written auditable proof that either of these accounts belong to me. It seems that Merchants and Medical may not be compliant with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

n Accordance with the fair credit reporting act XXXX Account # 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 XXXX XXXX  # XXXX XXXX XXXX # XXXX