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

it states on my credit report that I'm 90 days late but prior to that it states my payment history is on time. 
If the account is reported as OK, OK, 90, it means that the 2 " OK '' payments are inaccurate.
Product: Mortgage

I entered into a forbearance plan on XX/XX/XXXX and was told it wouldnt affect my credit and they told me i would get XXXX months of forbearance. XXXX  months later on XX/XX/XXXX I decided I was ready to exit my plan. I spoke to my mortgage company multiple times and everytime i was told my plan expired till XX/XX/XXXX. When i called to exit forbearance they then informed me i was already out of forbearance and my credit would be affected. I was then told my mortgage was due in XX/XX/XXXX so i made my XXXX payment. I was then told to get my missed payments deferred to the end of the loan i would have to wait 60 days and in that time it would be reported as XXXX missed payments on my credit. I told them its not my fault they take so long to process it and I will resume my payments and they said they cant do anything. Although all the paperwork they sent me on the forbearance rules said my credit wouldnt be affected if i followed their rules they are now saying something different. 

If i didnt get lucky and called to exit i would have never found out that my plan was over. they told me something completely different multiple times on the phone. also they told me my credit shouldnt be affected before and now are saying it will be because they take 60 days to process everything. Citizen one should be held accountable because they cant tell me XXXX thing and do something different. If i knew this would affect my credit i would have took other actions but then again this is against the forbearance rules so why can they do that when other banks dont take 60 days.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate 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 ( CRA ), 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 ( 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. These are the accounts I mark as inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,
Product: Debt collection

The second number is XXXX XXXX XXXX sent letter to all creditors I am XXXX ca n't work its beign 2 years, also advised by phone early part of XXXX to cease and desist all calls to all numbers and relatives by mail only I have no income! Portfolio recovery broke the law FDCPA. They some how got my pre paid cell and my daughters home. Numbers under my name they continue to call herass. I have all phone records! I will seek legal action against company for breaking law. And the collectors not following my. Wishes mI am very ill unable to work living off XXXX and my boyfriendHelp. I wrote letters to the original creditors verbally told. Portfolio recovery cease and desist they continue today I got another call a lout XXXX pacific time and phone records can be providedI have no choice but to file legal action breaking the law
Product: Credit card or prepaid card

I have called 3 times in regards to my Capitol One credit card balance. The first time I called, it was to remove a late charge on the account due to my old bank account being closed out. They told me they could not remove the late fee account and I asked for a supervisor and they sent me to a Senior Accountant with Capitol One Name XXXX. He was not able to remove the late fee charge. I went ahead and payed the full balance. On a recorded line, I asked him if the amount on the account is what I need to pay, his answer was yes. So I went ahead to make that payment. The next day, I saw an interest charge in my account for {$6.00}. I called Capitol One back and asked why there was an interest charge on the account. Throughout this entire process, not one single presin has notified me that there would be a interest charge after paying off my balance on the next statement. Then, I asked for a supervisor and another Senior Accountant from Capitol One name XXXX looked into the account. She did not resolve the issue and she was extremely rude. I am hoping that this case will resolve the issue and better help other credit card holders with Capitol One not to be misled.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, my account is being reported incorrectly. There are open and closed accounts thats showing a balance According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting the updates, below will be the list of accounts thats needs to be removed, XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to Privacy XXXX dont want this account reporting on my credit report. 

15.U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

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: Prepaid card

In XX/XX/XXXX I took an exchange offer line XXXX and they sent me a Citi Bank prepaid card with {$160.00}, I save my card waiting buy something special when I was ready to make my purchase I noticed that the card had expired in XX/XX/XXXX, so call XXXX in XX/XX/XXXX, I told them my situation, the operator told me we will re-send a new card in 15-20 days. 
30 days past again called XXXX to ask the status of my new card so they told me, they can not send a card for that type of card could not send again and them they connect me to the Department of Citi Bank Cards where they say the funds expired with the card. 
I call back and talk to XXXX XXXX ( XXXX ) and commented the situation and says that certainly could not get a new card because they do not manage more funds that XXXX promote, and that the funds expired with the card, so I ask them " t who has my money '' and they said " has expired ''. After talking with XXXX I communicated with XXXX employee number ( XXXX ) who just told me that he was the highest authority and that funds had expired. 
I never used my card or money and they saw the system, I do not understand you can not give me another card, where 's my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the accounts listed below. The accounts were place on my credit report that seems to be fraud activity. 

XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX-i attempted to dispute they would not removed the fraud inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowledge of account XXXXXXXX XXXX XXXX XXXX -this inquiry is on my credit report twice and is fraud XXXXXXXX XXXX XXXX XXXX XXXX XXXX fraud I have no knowledge of account XXXX XXXX XXXX XXXXXXXX fraud account is on credit report twice XXXXXXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXXXXXX fraud account XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXXXXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXX  fraud account
Product: Checking or savings account

On XXXX I wrote 4 checks on my company account for my property taxes, which were intercepted in the USmail then cashed at an ATM for XXXX XXXX. I did not discover this until XXXX when I received a delinquent property tax notice. I checked my check copies and found that someone had written their name after the title of the county on the checks. I immediately contacted my UMB bank and they verified that indeed my checks had been altered and subsequent fraud had occurred. Check XXXX for {$2700.00}, check XXXX for {$2300.00}, check XXXX for {$1200.00}, and check XXXX for {$1900.00}, totaling {$8200.00}. I have the affidavits confirming the fraud and copies of the cashed checks through XXXX bank. UMB bank has given me no provisional credit while they try to secure the funds from XXXX XXXX  who released the funds. UMB bank has confirmed the fraud and XXXX XXXX  has denied it. I have been waiting for the funds to be released since the date the fraud was confirmed.
Product: Debt collection

XXXX XXXX XXXX claimed to own the debt. I asked for verification of the debt and not salemof said account. And the original creditor failed to enact arbitration per their agreement. So the debt collection agency is not entitled to said debt and the original creditor has to honor consumer rights to arbitration.
Product: Debt collection

The debt that was sold from XXXX XXXX Card Services, financed by XXXX, to Midland Credit Management Inc was {$6300.00}. Midland Credit Management Inc is now trying to collect {$6500.00} for the debt. 

After speaking numerous times regarding the balance being inaccurate, Midland Credit Management refuses to change the balance. 

At one point this debt collector attempted to bring me settle via legal arrangement and their own legal defense dismissed the case. 

Also, this debt collector is claiming that I have made payments towards the account and refuse to provide me with proof of the payments and the source of the payment. After other multiple attempts to reach out to this debt collector regarding this information, they continue to rudely speak to me and refused to provide me any documentation related to these " payments '' that was never made. 

I have also submitted a dispute with XXXX Credit Agency under file number : XXXX.
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. Furthermore, I have attached : A new police report confirming fraudulent activity. Updated documentation disputing these debts. This Cease and Desist letter. Violations and Legal Obligations Your failure to respond adequately to my validation requests and your ambiguous statements constitute violations of the following : FDCPA, 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations in connection with debt collection. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Requires debt collectors to verify disputed information with the creditor and ensure accuracy. Federal Trade Commission ( FTC ) Guidance on Debt Collection Practices : Warns against vague or misleading communication, which can constitute an unfair or deceptive act or practice ( UDAP ). You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. Legal Remedies Available Failure to comply with these laws exposes you to civil liability, including actual damages, statutory damages of up to {$1000.00} per violation, and coverage of attorney fees under the FDCPA and FCRA. Cease and Desist Demand Effective immediately, I demand that you : Cease all communication with me regarding these accounts, except to provide the debt validation as required under federal law. Provide a comprehensive validation of the debts, including : A signed agreement or contract proving my responsibility for the alleged debts. Full account histories showing how the amounts were calculated. Evidence that your agency has legal authority to collect these debts. Inform the creditors ( XXXXXXXX XXXX and XXXX XXXX ) that these accounts are in dispute. Next Steps If I do not receive a satisfactory resolution within 30 days, I will have no choice but to file complaints with : The Federal Trade Commission ( FTC ) The Consumer Financial Protection Bureau ( CFPB ) My states Attorney Generals Office the gialed to respond to me so I am filling the complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$930.00}, XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/2022 to Equifax XXXX XXXX, however its been more than 60 days and the credit bureaus failed to send my investigation back after many attempts to correct there inaccurate date they have been reporting. this is not making sense. 

According to the law 15 U.S Code 1681i- Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer notifies the agency directly. they are in violation and haven't complied with the consumer laws that the government has put in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. TRANS UNION deleted the account and then placed it back on ). TRANS UNION has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Bankruptcy that was placed on my Equifax credit report in XXXX an it was deleted from my report. Equifax then decided to reinsert that same inaccurate bankruptcy back on my credit report. This is violation of the Fair Credit Reporting Act. I have since then written letters to Equifax pertaining to this matter and I have not gotten a response. My latest letter was sent out in XXXX of XXXX  and Equifax never acknowledged the letter, nor did the respond at all. The Bankruptcy is still showing on my credit report an it needs to be deleted.
Product: Student loan

I have contacted loan servicer Ed Financial services multiple times to clear up inaccuracies that have been reported to the credit bureaus and negatively impacted my credit score. My inquiries have been met with non-responses and delay tactics. Out of frustration, I referred this matter to the XXXX XXXX XXXX XXXX 's Ombudsman 's office and contacted this office. 

On XX/XX/XXXX, I contacted Ed Financial Services by phone to resolve their inaccurate credit reporting. Ed Financial asked me to send a fax with the information that needed updating and a letter explaining said problem. On XX/XX/XXXX, I received an email from Ed Financial saying they received my correspondence request. I called to follow up on XX/XX/XXXX and was told a supervisor would return my call. No one did. I 've followed up by phone again today ( XX/XX/XXXX ) and was again told someone would return my call, but they do n't have a way to connect me directly ( because it 's a different department ). 

During these calls, I have repeatedly been told Ed Financial has not been inaccurately reporting the information, although my credit report says Ed Financial last reported the account status for several loans in XX/XX/XXXX. Those loans were consolidated through XXXX XXXX in XX/XX/XXXX. I have disputed the inaccuracies with the credit bureaus, and when inquiring about the status with the bureaus I am told that Ed Financial has not contacted the credit bureaus to provide any update. 

These loans have also been reported to the credit bureaus in duplicate, and again as the consolidated accounts, so from anyone reviewing the report ( for credit decisions, renting an apartment, loans, etc. ) it appears like I owe upwards of {$65000.00} in student loans with past due status when the correct balance is approximately {$16000.00}. 
I have attached the correspondence I provided to Ed Financial, including my credit report with the inaccurate information circled. Thank you for reviewing the information.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention a matter of concern regarding the reporting practices of XXXX to third-party credit bureaus. Upon reviewing my credit reports, I have identified discrepancies in the information provided by XXXX across different bureaus, particularly on XXXX, XXXX, and TransUnion. 
On my XXXX report, there is an indication of a past due amount of {$4600.00}, whereas both XXXX and TransUnion reflect that the account in question has been paid off, with no outstanding balance. Such inconsistencies raise serious concerns about the accuracy and Furthermore, I would like to bring to your attention the fact that the debt associated with this account has been transferred to a third-party debt collector. As a result, it has been charged off and is now considered a certificate of indebtedness, constituting income. According to applicable regulations, such discharged debt should not be reported, as it may lead to inaccurate representations of my financial standing.

In conclusion per the FCRA as a federally protected consumer I am now opting out of any and all authorization I consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802.

16 CFR 313 OPT OUT
Product: Money transfer, virtual currency, or money service

I don't know what happened. 
I was doing smoothly with this company for more than a year. my account is already verified. 
But today I was shocked because they limited my account. 
I can't withdraw my money and I cant receive payments. 
I still have money in my account that I can't withdraw. 
They did not send me a notification either what is happening to my account to give me an option to resolve it if it has a problem. 
My account has still {$1700.00} USD, I was so disappointed with this. 

My email linked in PayPal is ( XXXX ). 

Please help me to resolve with this. 

Thank you so much.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Debt collection

The Federal.Trafe Commission Bureau of Competition awards XXXX XXXX upon XXXX XXXXXXXX XXXX  oral contract to.pay said such award. Fees became part of the recipient 's award receipt. XXXX XXXX used my credit card as an option to pay for fees. He orally contract and typed a written texting and email that he will pay the bill. He researched for a scholarship program and therefore it would reduce said such fees as he orally contracted over the phone. His typed texts as written agreements that the scholarship program is to institute a process to receive said such Federal Trade Commission Bureau of Competition award. XXXX XXXX XXXX failed in stating the days to return and disconnection of service. It would need to be reconciled how the XXXX XXXX XXXX equipment would be disconnected and returned. Two other parties XXXX XXXX and XXXX XXXX XXXX are the financial backers and recipients of equipment. They owe the monies XXXX XXXX  XXXX has the dates for disconnection and return based the incorrect information that they stated 12 days to return and it is 21 days. The services are disconnected or if XXXX ate in operation then they owe. XXXX XXXX XXXX failed in properly identifying the process and kept me in a waiting period. As a customer for 30 years and the facts that others used my phone to receive free service.
Product: Credit reporting or other personal consumer reports

15 U.S Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.