23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX for Account : XXXX XXXX XXXX  Account XXXX XXXXXXXX ) Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. XXXX is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. 

These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigations completion, along with details of any actions taken to rectify this matter. Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned about the Equifax security breach and went on their web site and entered my information. it says i am one of the millions whose information was involved. it then asked if i would like free credit monitoring services for a year. I said that i would lime that. 
now i am reading that if in fact i end up with financial problems or identity theft due to the breach that i have waived my recourse against equifax merely by agreeing to accept this offered service. 
I believe this is fraud and tbey fraudulently got me to waive my rights to sue re : any future damages or losses by offering a free service.
Product: Credit reporting or other personal consumer reports

These inquiries are fraudulent and should be removed. 

XX/XX/scrub>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 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 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: Credit card or prepaid card

XX/XX/17 I purchase a photo package for {$87.00}. The company charge {$8700.00} to my credit card. I opened a dispute to Capital One. I canceled the transaction by phone and email to the company. Also I called Capital One to inform about the fraud they told me that nothing that can do. Finally, after too many phone calls to get answer. Capital One fail my dispute saying XXXX did not accept my dispute because I did not have a cancellation document. I told them I canceled by phone and also by email. I have prove for all documents and also recorded phone calls.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX account XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

When I filed for bankruptcy to protect my home, my timely mortgage payments were not applied to any arrears. 

I am now in foreclosure. The mortgage company refused to accept my payments and continues to charge me monthly late fees. Previously, some late fees were applied before the payment grace period. 

I applied for ERMA. When I constantly inquired with the mortgage company about the receipt of ERMA 's requests for reinstatement, the mortgage company continuously denied receipt and did not return my telephone calls. After I made countless telephone calls to the mortgage company regarding receipt of ERMA 's request for reinstatement information, during the last stage of the application, and several requests made by ERMA, six months later the mortgage company responded through the attorney which was not a part of the request. Therefore, the amount was delayed and inflated, and my application was denied. ERMA assistance was denied because at that point I was over the maximum allowed for assistance. Also, there is {$20000.00} as a part of the reinstatement statement that an attorney, free NJ counsel, can not find legitimate. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The spelling of my name is incorrect. It should be XXXX XXXX and NOT XXXX XXXX.
Product: Vehicle loan or lease

Our vehicle was deemed a total loss on XX/XX/XXXX. Our insurance company ( XXXX XXXX ) issued 2 checks to GM Financial on XX/XX/XXXX in the amounts of {$17000.00} and {$4500.00}. These payments were never reflected on to our account. After calling repeatedly, there was no resolution. GM Financial did a system upgrade where they stated they would be unavailable from XX/XX/XXXX-XX/XX/XXXX, so we were unable to follow up during this time. Once they reopened, the payments have still not shown. On XX/XX/XXXX, Progressive insurance placed a stop payment on the original 2 checks, and issued 2 new checks which they overnighted on that date. Even though the checks were received overnighted ( validated through shippers website ), a payment was not credited to the account until XX/XX/XXXX. The payment for {$17000.00} was credited to the account, however, the payment for {$4500.00} has disappeared again! I have spent hours on the phone waiting to speak to a representative, and in each case they state it does not appear, and are unable to locate the payment as an unmatched payment in their system. Both of these checks were sent together in the same overnight delivery package. 1 was processed, and 1 came missing. I contacted XXXX XXXX for help, which they traced both payments to show that both checks cleared payment on XX/XX/XXXX. So, the missing payment of {$4500.00} was received and cashed by GM Financial, but no where to be located in their newly upgraded systems. ( I have attached the payment trace document from XXXX XXXX to this complaint ). In the last several days, I have attempted to call several times, but now their customer service line states that the call can not be completed at this time due to high call volumes, and then disconnects the call. We still have an outstanding balance of {$3000.00} on the account as a payoff amount that has not been paid due to the neglect of payment processing and application on behalf of GM Financial.
Product: Mortgage

I was approved for a XXXX modification in XXXX. I accepted all of the terms discussed. However on the final papers the Chase bank included a balloon payment. I declined the offer, circled the amount and wrote " what is this? '' This was not part of the agreement. I sent a letter and was waiting for a new offer. They processed the modification and included the balloon payment despite my letter of expressing disapproval, also requesting a fixed interest rate. 
On XXXX of XXXX, I sent a certified letter and requested to exercise my right for extended rescission. They reviewed the modification and offered me new terms. I currently owe {$120000.00}, the new modification makes the new balance at {$140000.00}, they included a balloon payment AGAIN and said they will forbear {$15000.00}. Again, I only owe {$120000.00}. I need help cancelling this fraudulent loan. After I wrote the bank a letter to request the modification to be cancelled they offered a bad faith offer adding $ XXXX to my mortgage balance without an explanation. 
This was predatory lending and violates TILA and RESPA rules. It also does not follow HAMP guidelines for the balloon payment ( {$65000.00} ). 
A financial attorney informed me that if I wrote on the margin of the HAMP final agreement that I did not agree with the term, and I initialed and dated, and they approved it, it implies that they removed the balloon. It is arguable in court. He explains that I changed the agreement by writing on the margin new terms. And if the bank approved and notarized it two weeks AFTER my signature. 
Further, I obtained the originals from the bank and it includes my notes, disapproval and question on the margin. 
I need the mortgage modification cancelled, so I do not have to pay for the balloon payment AT all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXX, Acoount # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 section 602 A 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 accounts without my written instructions.
Product: Debt collection

The mother of my grandson, XXXX XXXX, rented a home from me at XXXX XXXX XXXX, XXXX XXXX Michigan from XXXX XXXX XXXX XXXX XXXX when she left suddenly and moved back to XXXX. During the time she rented, she apparently installed XXXX cable in the home, and put it in my name without my knowledge or permission. She had access to our home and personal information as the mother of my grandson and a " family member '' of sorts. When she left the home on XXXX XXXX, there was a bill with XXXX in the amount of {$440.00}. I was not aware of the bill until a subsequent tenant gave me a copy of the bill being sent to that home, in my name. I immediately called XXXX and was given the name of a collection company named XXXX that I was to contact. I completed a fraud packet with Convergent as well as a police report and I was told the bill was removed from my credit. Subsequently, XXXX engaged the services of another collection company named Credit Management. Once again I completed a fraud packet for credit management and attempted to have the debt cleared. I later learned that XXXX refused to remove the debt, and in order to close on my mortgage loan I was forced to pay XXXX {$440.00} on XXXX XXXX, XXXX. I did so under duress, because I needed to close on my mortgage loan, and do not understand why they did not acknowledge all the proof I had that this was not my account. I never lived in the home on XXXX XXXX, and I never requested cable and internet service to be placed in my name at that location.
Product: Checking or savings account

I have a couple personal accounts as well as a hand full of business accounts with Chase Bank. Because of the amount of funds in the combined accounts, I am not to have any bank fees. Chase was to link the accounts together to prevent this from happening. I have been having fees on some of my accounts and every time I go in there to address the situation, they refund the fees and say the accounts are now all linked together. This has been going on for a handful of years and I have went to Chase multiple times to address this situation. They stated that they have record of this. This last time I contacted Chase and made a big deal about the fees. The branch manager made a complaint with chase. I received a call from the complaint department. After going back and forth for a couple of weeks, they stated that the bank accounts are now linked so I will not be receiving he fees but they can not return the {$2800.00} in fees because the fees were noted on my bank statements and it was my responsibility to notify them in a timely manor. They have not shown to me what the time frame is to notify them for fees illegally taken from my account. Furthermore, I have notified them multiple time which they state they have record of. 

Because of Chases mistakes in linking the accounts togethers, they have been taking funds from my accounts without my permission ( about {$2800.00} ). Once they realized it was a mistake on their part, they addressed the linking issue then stated its my fault that they took my money. In a normal world, this would be considered theft as its a mistake on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX stating that " Action needed to process your credit card account application # XXXX ''. 
I DID NOT apply for this credit card. I called XXXX XXXX at XXXX to tell them it wasn't me who applied for this cardt and they said I needed to call Equifax and file a complaint for Fraud right away. I logged into Equifax and found this Hard inquiry on my account See Below : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CREDIT BUREAU DISPUTE RESOLUTI, XXXX XXXX, IA XXXX I have no idea who this is or why there would be a Hard Inquiry on my account. Equifax told me that I can NOT remove it or Dispute it until I file here and send them a copy of the report from here. Equifaxe also told me to file a police report BUT ... .how do I file a police report when all I have is the info I saw on Equifaxand aa letter from XXXX XXXX saying that they can not process the credit card because they need more info from me. 

I am so confused and now worried that someone is applying for credit cards using my info. Can you help me? 

Sincerely, XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I established an investigation of some accounts with erroneous information and after reviewing the Credit Bureaus ' response I perceived that the disputed accounts are still incorrect, with verified status. Related information similar to this is amazingly harmful to my current credit record. Please provide that the particular information is 100 % verifiable and accurate. Please investigate and correct the following accounts : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/ReportedXXXX
Product: Debt collection

I RETURNED EQUIPMENT XXXX CABLE BOXES AND XXXX REMOTES TO THE FRONTIER OFFICE AND THEY ACCEPTED IT. I LATER GOT BILLED FOR UNRETURNED EQUIPMENT. I CONTACTED THEM AND THEY STATED THAT I HAD XXXX BALALNCED OWED. CUSTOMER SERVICE VIA PHONE SAID THEY HAVE NO RECORD
Product: Debt collection

Starting back in XXXX, a debt collection company that goes by the name XXXX XXXX XXXX EOS XXXX, and XXXX XXXX XXXX XXXX  XXXX has been continually mailing me letters claiming I owe them {$810.00} and XXXX is the original creditor. Its come to my attention that this debt was XXXX in my Chapter XXXX Bankruptcy back in early XX/XX/XXXX. And that is public information through XXXX. Plus Ive also written to this company on a couple occasions in the past and also just recently explaining to them that this debt was XXXX in bankruptcy back in XXXX. This is a clear violation of Title 11 U.S. Code 524 ( a ) ( 2 ). They have ignored and disregarded this information every time Ive told them and they still continue to insist that I owe them this money. In XXXX of XXXX I even had one representative from their customer relations department, via a phone call, say to me she didnt care about the bankruptcy that all she cared about was collecting money from me for this debt. On XX/XX/XXXX they openly admitted to you CFPB that the XXXX statements that they are in possession of are dated XX/XX/XXXX & XX/XX/XXXX, which shows they were aware this debt was XXXX in my XX/XX/XXXX bankruptcy. 
And in addition to all of that they are currently paying to report negative derogatory information on all 3 of my major credit bureau files. Which is in violation of the FCRA which states that while an item is being investigated the debt collector MUST indicate that the account is under dispute and must remove/cease from reporting any information on the item. Again they completely disregard this as well. 
Public records show across the entire US show that XXXX XXXX XXXX EOS XXXX XXXX XXXX XXXX XXXX XXXX continually violate the laws set forth regulating their practices in multiple lawsuits filed against them, many of which have been found in favor of the consumer. And theyve already been the defendant in class action suites as well. And yet they still remain in business to continue on with their unfair illegal collection practices. Obviously money paid out for law suites against them does nothing to make them change their practices so to be within the law. 
I sincerely appreciate the helping with the matter. But ultimately what really needs to take place is someone / some agency looking into all the complaints and lawsuits against them as a whole big picture of the company and stopping them from continually being able to break the law and hurt many consumers. Its not fair to all of us consumers that they essentially get away with deceptive, hurtful, illegal practices with no more than a financial slap on the wrist.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

I have a 360 XXXX  account and, after CapitalOne was sued for stealing interest, they sent an email saying they were freezing deposits and withdrawals.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX, and it has been brought to my attention that my social security number was apart of a Data Breach. After care review of my consumer report I have notice several Inaccurate accounts being reported on there as well as Inquiries. At this time I would ask if those inaccurate accounts on my report be Deleted immediately. Thank you. This is not a third party filing this complaint.
Product: Student loan

I have been applying for loan forgiveness for over a year, and finally applied for consolidation of the XXXX loans I have due to a recommendation from FSA. 

Had not heard anything in weeks, and I logged onto my account and it says that my loan has been paid off and is in good at standing, so I proceeded to message Mohela and ask about it, and they told me that I had no balance in my loan was paid in full and that I would get a letter saying so. I was excited, thinking my loan had finally been forgiven. I went ahead and called to make sure, and was put on a 20 minute hold, only to be told that it was the consolidation process and the loan would reappear in full. Which is HORRIBLE. This was not communicated with me in the slightest, and is very misleading. It also XXXX  out on the FSA website which just confirmed to me that the loans were gone. This should not have happened
Product: Checking or savings account

Hello, yesterday I changed my quickpay  with chase and had my sister send it to my second bank account with chase .My sister sent an {$100.00} quickpay to chase, and the default account did not change .I went to  the bank and they can see it had been changed on my end in their system, but when I call the  XXXX  number they ca n't see that change and the second account I had with them is in the Negative so I could not just transfer the money .They said it is nothing they could do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refused to remove Hard inquires that were on my credit report that I did not approve to have my credit pulled. They stated that hard inquires can not be disputed. the list of companies pulled my credit without my approval and I want these hard inquires removed. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Monterey Collections is attempting to collect on an alleged debt that don't own and are furnishing information without my consent. They alleged debt 's original creditor is XXXX XXXX XXXX and the debt can not be transferred, pursuant to UCC 9-109 ( d ) ( 5 ). Monterey Collections was put on notice XX/XX/2022 to no longer furnish information on this account and have refused.