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

XXXX is allowing my student loan creditors to report multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ). The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. My credit report is to be updated to reflect a forbearance status for the months indicated below. Dept of EdXXXX ( XXXX XXXX ) : Placed in forbearance on XXXX XXXX and retroactively backdated to cover the past due month of XXXX XXXX. Placed in forbearance on XXXX XXXX and retroactively backdated to cover past due periods of XXXX XXXX - XXXX XXXX. Place in forbearance on XXXX XXXX and retroactively backdated to cover past due periods of XXXX XXXX - XXXX XXXX. XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ) : Placed in forbearance on XXXX XXXX and retroactively backdated to cover the past due month of XXXX XXXX. Placed in forbearance on XXXX XXXX and retroactively backdated to cover past due months of XXXX XXXX - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Equifax, Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 


XXXX XXXX XXXX - {$87.00} No Account Number listed, has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$140.00} No Account Number listed, has violated my rights. 


REMOVE ALL HARD AND SOFT INQUIRIES- XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2023 There are multiple Hard Inquiries on my credit report that are NOT authorized, - XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 There are multiple Soft Inquiries that are NOT AUTHORIZED : Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. 16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.

REMOVE FRAUD STATEMENT OR PERSONAL STATEMENT Remove ALL EMPLOYMENT INFO
Product: Credit reporting or other personal consumer reports

Re : Compliance Procedures I recently requested a dispute with your agency, and you did not fix the errors regarding inaccurate accounts in my credit report. The status of these accounts is incorrect. XXXX and Equifax are reporting these accounts as current with no derogatory information yet you XXXX are. You can not report an account as a charge off and current at the same time thats like being charged for 1 crime two times. I demand you update these accounts to current or delete them until you correct them, please. I have documentation that prove my dispute. Currently, I ask that you remove these accounts. If you dont remove these accounts, I have no choice but to file litigation and you will be required to compensate me for damaging my reputation and refusing to remove an inaccurate account that you failed to complete a reasonable investigation into. I would appreciate it if this matter could be solved now. 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
Thank you for your time and help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

My legal name is XXXX XXXX my legal address is XXXX XXXX XXXX XXXX SC XXXX. 
on XXXX, Equifax and XXXX  they all have a variety of different names and addresses that are not mine. I work for XXXX county government located at XXXX XXXX XXXX XXXX Georgia XXXX. 

I am request that XXXX, Equifax, and XXXX update, delete and report my information correctly or delete any and all entries such as wrong social security numbers, wrong addresses, wrong dates of birth, i want my credit report to reflect what is on my government issue identification. 

Thank you so very much.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$29000.00} XXXX - XXXX - {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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: Money transfer, virtual currency, or money service

Just recently, I opened a Roth IRA Account with Robinhood Financial , LLC and, I transferred into said account an amount of {$2800.00} via ACAT from my Roth IRA Account with XXXX. Soon after said transfer, when I tried to trade at Robinhood, I did not like the Trading Platform at all. Hence, I called Robinhood numerous times to talk to someone and nobody answered the telephone and nobody returned my call. It seems impossible to be able to talk to a live person at Robinhood. Hence, I decided not to do any business with Robinhood and initiated a transfer back of my money, {$2800.00} from Robinhood Roth IRA Account to my XXXX Roth IRA Account via ACAT. Robinhood is retaliating against me for closing my account with the Company and is preventing me from effecting said transfer by placing unwarranted restrictions on my account and by subjecting me to unwarranted harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a myequifax account for a few years. I suddenly have no access, multiple tickets have been created to resolve the issue. I have received several emails with no resolution. On XX/XX/XXXX a fraudulent account was inserted into my credit profile. On XX/XX/XXXX I contacted Equifax and was told to fax all information. I have contacted this company several times and my faxed documents are still not uploaded to my account and myequifax account is still not accessible.
Product: Checking or savings account

XXXX XXXX, of XXXX Michigan XXXX of ( XXXX ) XXXX file # XXXX sent letter dated XX/XX/2020 requesting return of {$23000.00} of unauthorized with drawl from ex-XXXX  XXXX and they failed to return the money. They created more damages by prematurely closing the account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XXXX I bought a new XXXX. US Bank offered me some incentives if I financed a part of the purchase price. As such I financed {$42000.00}. I made one payment and paid off the loan in XXXX of XXXX. I did not realize that US Bank didnt remove their lien until the next year. I contacted them and they said they would send me a notarized lien release. I never received it. When I called again I found that they sent it to the wrong address. Since then I have been trying to get the lien release. Since XXXX I have called them and they have told me they will file an electronic lien release. After waiting to get my duplicate pink without the lien I went to XXXX. They said they never received it. Since XXXX of XXXX I have called the bank over XXXX times. They then told me there was a hold on my title. I personally went to XXXX and they said that is false. I have emailed, written, called US Bank all without success. My last call was last week when I was told that they were escalating my claim to another department, but refused to give me anyone I could call. I tried to sell my car so I can buy a new car and cant. I got a XXXX offer in XXXX of XXXX for {$54000.00}. As of today the offer is only {$44000.00}. I took money out of my investments to buy a new car but now I have TWO cars with nowhere to put them. HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, XXXX XXXX XXXX, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

My credit report is showing an unauthorized inquiries from 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 these UNAUTHORIZED inquiries has affected my credit profile and is affecting me from using my credit. Under the FCRA, specifically 15 U.S Code 1681 ( n ) | am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy these inquiries needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  website has been broken for years and no one seems to fix it no matter how many reports one makes. This time they do not allow me to view the online dispute or corrected names of fraud that's on my report! They provided a contact number, '' We are sorry we can not correct this now you need to callXXXX ( XXXX ) XXXX-XXXX  '' and when dialing it it is at for memberships only that tells me how I could order services rather than repair my problems. 
email " Dear XXXX  XXXX, XXXX  has completed your dispute for Confirmation Number XXXX. 
View Now! You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 30 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access before XX/XX/2019. Thank you for giving XXXX  the opportunity to serve you! " Lastly, then it shows that the site can not identify and wants me to verify my identity. I'm going to write the WhiteHouse.gov and report this very same letter anybody 's interested in doing this please feel free and submit it to the president ; whether you like him or not he does act you have to admit and he actually looks at these problems this is federal government issues and it's been made peoples!
Product: Debt collection

This company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$2300.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate.
Product: Money transfer, virtual currency, or money service

i got in volved with crypto curriencies and soon learned that the platform i was sending to was fradulant company. when i tried to make a withdrawl they froze my account and requested additional payment to withdraw
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2021, I mailed a dispute letter to Equifax and XXXX  about a collection with XXXX XXXX XXXX XXXX XXXX that was on my report that appear inaccurate. I never received a response from either of the credit bureaus, however after viewing my report online I noticed that they allowed another collection agency XXXX XXXX XXXX XXXX XXXX to add the same debt to my report on top of it already being reported by another collector XXXX XXXX XXXX XXXX XXXX I contacted Equifax and XXXX  in regards to this matter and they have yet to correct it. This is a direct violation of the fair credit reporting act. I sent them another dispute questioning this and still no response. It will soon be 30 days with no response from either of them which would mean they would have to remove said collections from my report. However, I wanted to make you aware of this due to the violation of the laws set in place. Please help as this is causing a great deal of stress. 

Note : XXXX XXXX XXXX, Is reporting I owe {$770.00} Note : XXXX XXXX XXXX, Is reporting I owe {$770.00} Both collectors are trying to collect on the same inaccurate debt with XXXX XXXX for to different amounts,. This is a violation of my rights under the FCRA. 

Ive attached certified mail receipts stamped by the usps and dated from both occasions were I contacted them.
Product: Credit reporting or other personal consumer reports

Well According to the fair credit reporting act 15 usc 1681 section 602 it clearly States to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right. 
And you have ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) Which also grants me the power to charge XXXXXXXX XXXX  per inquiry on my report and any other fraudulent activity
Product: Mortgage

Initiated a refinance with Stonegate Mortgage. Supplied all documentation ( credit report, paystubs, XXXX 's etc. ) scheduled and purchased appraisal, appraisal completed, loan to pre-processing. Lender contacts me about derogatory remark on XXXX account on credit report, states loan can not continue until removal of derogatory remark. Instructed me to contact all XXXX bureaus to have remark removed. By this action, FICO score reset from XXXX to XXXX XXXX ruined as it falls below XXXX. Result : No loan, out {$490.00} appraisal fee, credit ruined. Why did the lender not advise me that requesting a removal of a remark would have negative score reset? After working hard to get score up to XXXX now its XXXX. This will damage my ability to try financing from any other institute or could cause damage in my ability to secure employment or any other credit related financial situation that I might come across. How did simply requesting a removal of a comment that should not have been there in the first place cause my score to suddenly drop XXXX points? If making inquiries to credit companies in an attempt to rectify a wrong how are consumers supposed to 'clean up ' their credit.
Product: Mortgage

This loan was acquired in XX/XX/XXXX, and went through a loan modification in XX/XX/XXXX. Payments were not paid on a monthly basis, leading up to the modification. However, I believe that my mortgage balance is incorrect. The principal amount owed, should not be {$100000.00} with almost XXXX years of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some fraud on my credit report I have sent out the paperwork and account information to all three credit bureaus. I have sent in everything I was told to send.The following account are not mines someone has used my personal ID and information to open up several account fraudulently. I have filed a report and I want to know what else does XXXX XXXX, XXXX, Equifax need from me to move this process forward??
Product: Debt collection

On XX/XX/XXXX I received notice from my mortgage service, XXXX XXXX, that the servicing of my home loan would be transferred to NewRez, LLC effective XX/XX/XXXX. On my bank bill pay app ( XXXX XXXX XXXX Bank ), I promptly changed the address to send the payment as outlined in the notification letter. 
Everything was fine until late XXXX XXXX  when I received a letter from NewRez, LLC that my XXXX payment was late and they were charging me a late fee in the amount of {$110.00}. I called NewRez on XX/XX/XXXX to complain about the late charge, and was told that the late charge would be waived. The manager on the phone, XXXX  XXXX, tried to convince me to establish direct auto-pay with my bank, which I declined. Nothing was mentioned in the phone call about processing issues at NewRez. 

I've had this mortgage since XXXX, thru various servicers, and have consistently sent payment from my bank to arrive between the XXXX and the XXXX of the month. My XXXX score is XXXX and I've no recollection of ever having a late mortgage payment. 

NewRez then charged me a late fee for the XXXX payment {$100.00}, which is still active. In late XXXX, NewRez sent me correspondence that I was entering the wrong account number on my check payments. 

My complaint is the complete lack of communication regarding an account number change from either the previous servicer ( XXXX XXXX ) or New Rez, LLC until after 2 late charges were posted, with one still in effect. I have correspondence dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no mention of an account number issue being conveyed. 

Note the similarities in the account numbers from XXXX XXXX and NewRez LLC : XXXX XXXX : # XXXX NewRez LLC : # XXXX The first 2 numbers and last 3 numbers of the dual 10 number accounts are identical. Without notification of the account number change, it is dubious for the servicer to expect the slight change to be noticed, and I continue to dispute the late charge NewRez is trying to assess. Note that I changed the account number on my bank Bill Pay as soon as I was notified by NewRez LLC that the account number on the checks was incorrect. 

Additionally, the table below shows when my financial institution ( XXXX XXXX XXXXXXXX XXXX  ) reflects delivery of the payments, and the date in which they were cashed starting in XX/XX/XXXX and as recent as today, XXXX XXXX : Bank record - Arrival Date Bank record - Debit Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Note that in good faith, I have been accelerating arrival dates due to the slow processing by NewRez LLC. 

For reference, I've also submitted a complaint with the State of MN Attorney General 's office, RE : XXXX XXXX : XXXX
Product: Debt collection

Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX, XXXX letter re : billing error sent re : consumer credit card per 15 USC Code 1666 ( a ) reporting discrepancy on my account balance. Response XX/XX/XXXX By XXXX XXXX, matter was closed. As of XXXX, XXXX  a XXXX  was accepted by the IRS for the amount of {$500000.00}. Copy B  was received from American Express that they have accepted the approved Copy B from the IRS. Credit card limit has not reflected the approved amount. Since a COPY B is considered an income, it should not be reported as delinquent as the amount will settle the amount due on the credit card account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists