23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon disputing the information with the creditor, XXXX XXXX XXXX, they provided a payment history document that includes details of another person with the name of XXXX XXXX. This erroneous document raises serious concerns about the accuracy of the information provided by the creditor. 
Account Information : -Account Name : XXXX XXXX XXXX XXXXAccount Number : XXXX -Date Opened : XX/XX/2018 I am troubled by the fact that XXXX XXXX XXXX XXXX can not guarantee the accuracy of the information they provided, as they mistakenly included the payment history of another individual. This oversight demonstrates a failure on the part of the creditor to provide precise and reliable information to the credit reporting bureaus. 
I want to emphasize that the late payment dates reported on my credit file do not accurately reflect the resolution of the delinquency. 
Given the uncertainty and potential for inaccuracies in the information provided by XXXX XXXX XXXX, I urge Equifax to conduct an independent and thorough investigation into this matter. It is imperative that the credit report accurately reflects my financial history, and the reporting of late payments that have been resolved must be corrected promptly.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been in prison for XXXXXXXX XXXX, I've just recently came home to XXXX XXXX and I'm in the halfway house. I've tried to view my credit report on multiple sites. And I have not received a review. I would really like some assistance so I am able to start to put my life together. If you could help me give me a number to call or email some one it would be appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my Experian consumer report from XXXX Bank ( hereinafter referred to as " XXXX '' ), which is dated XX/XX/XXXX. In late XXXX, I noticed this inquiry and did not recognize it. Therefore, I asked XXXX Bank to investigate it and, if unfounded, to remove it. 

On XX/XX/XXXX, XXXX Bank wrote to me to inform me of their findings of their investigation. XXXX indicated that they were unable to verify my authorization for the inquiry in question. Therefore, they requested that the major credit bureaus ( including Experian ) remove the inquiry in question immediately. Additionally, I sent a copy of the letter to Experian, just for good measure. 

It has more been more than XXXX ( 30 ) days since XXXX Bank ordered the removal of said inquiry, as well as after I mailed Experian a copy of XXXX 's letter. Evidentially, Experian is willfully ignoring our correspondence. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), Experian only had XXXX ( 30 ) days to remove the inquiry in question. As of today XX/XX/XXXX, Experian as so far failed to remove the inquiry. Therefore, I ask that the CFPB to intervene and order Experian to remove the inquiry from XXXX Bank.
Product: Checking or savings account

I did send in a report to CFPB along with proof telling them of the fraud and theft identity that I went through and they open an investigation which was done with in XX/XX/XXXX along with XXXX, XXXX, XXXX, XXXX XXXX and Federal Trade Commission. 

They all admitted there was a fraud and it wasnt my fault but Well Fargo did a deduction of {$2600.00} that was deposited into my account and said that the investigation came back that I dont owed them XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give these companies my permission to post or give my credit information. It is a violation of my consumer rights according to Fair Credit Reporting Act under 15 USC 1681.

15 USC 1681, section 602 A, states I have a right to privacy.

15 USC 1681 section 2 states that a consumer can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which antedotes 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have reviewed my credit report in XX/XX/2022 and sent certified letters to creditors as well a XXXX, XXXX and Transunion Credit Reporting agencies, asking them to delete the information from my credit report because of inaccuracies, not my accounts and/or because it was published without my permission. Of course it is well over 30 days and they have not deleted these accounts from my credit report. 

On XX/XX/2022, I sent a certified letter for XXXX XXXX {$5900.00}, it has been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts are charged off, but they are still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; XXXX is on my new credit report 4 times for 2 loans. Some of the accounts dont have account number or other information is missing making it look like its a different account. the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to Transunion for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX  for XXXX {$84.00} ; it sold it to XXXX XXXX XXXXXXXX on XX/XX/2022 and the accounts is on my XXXX credit report, but I never owed them anything and it is still on my credit report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX has an account on my credit report in the amount of XXXXThat is past 7years old.Theres no last payment date on the report.The information is not accurate.I would like it removed.The credit reporting agency is All 3.
Product: Student loan

Today, on XX/XX/year>, I waited over 5 hours on the phone to speak to somebody at MOHELA. I first waited an hour and a half to speak to a rep who could not assist me. He transferred me to another department, where I waited almost 4 hours to speak to someone, and then they closed for the day. I also sent them this written documentation today, which describes my issue and requests in detail : Hello, here is my situation : I received a letter on XX/XX/year> saying my SAVE loans that are in forbearance are still accruing interest, even though they should not be, according to all other documentation on your website ( please reference this message that you sent to me for context ). When I compare the " unpaid accrued interest to date '' in the letter to my loan balances, it seems that those interest amounts have indeed been added to my balances .... My questions are : 1 ) is additional interest accruing on my loans under the current 0 % rate? 2 ) if not, why did I receive this notice about accrued interest if my interest rate is 0 %? 3 ) why is interest accruing in the first place if I'm under the SAVE plan and I've been paying my monthly minimums on time? There should be no interest at all. In fact, I've done research on this topic, and the interest should be subsidized each month - see this XXXX thread in XXXX for an explanation : XXXX XXXX XXXXXXXX 4 ) I would like a detailed breakdown that explicitly distinguishes between my principal and unpaid interest as well as written documentation that no unpaid interest has been or will be capitalized into my principal balance as long as SAVE conditions are met, which they have been 5 ) I would also like for you to subsidize all of my interest that has been paid and will be paid in the future. Thank you for your help, I really appreciate your assistance on this important matter.
Product: Payday loan, title loan, or personal loan

In XX/XX/2023, XXXX XXXX of Tower Loan discriminated against myself by deciding he was more qualified than my psychiatrist when he dismissed the status of my mental and emotional health as mere trigger words, intending to paint the company in a negative light, as if harassing someone at their place of work and coming to their house at XXXX made them look like heroes.
Product: Credit reporting or other personal consumer reports

My account was listed as closed on XX/XX/XXXX due to a repossession. My account is not closed and my car was not repossessed. I reached out to them to ask them to report the correct information to the credit bureaus. They are refusing. I want them to show proof of my car being repossessed in XXXX of XXXX. I want them to prove what they are saying about my account.
Product: Credit reporting or other personal consumer reports

My home was destroyed by flood in XXXX of XXXX due to hurricane Ian and declared a FEMA disaster area. As a result we requested and were granted a disaster area forbearance on mortgage number XXXX. The home had to be rebuilt and was rebuilt in XX/XX/XXXX and ready for move in. We requested with XXXX XXXX a loan modification on XX/XX/XXXX and were told on a recorded line that we did not need any paperwork because we were in a disaster recovery forbearance. We then received a notification later on the next day that XXXXXXXX XXXX did in fact require paperwork for the underwriter. We started the application requirements prior to XX/XX/XXXX. The forbearance expired XXXX XX/XX/XXXX. We turned all documentation in a timely manner as request and XXXX XXXX still reported us 180 days late to all three major credit bureaus dropping me and my wife 's credit over XXXXXXXX XXXX  while we await a loan modification decision from their underwriter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a XXXX complaint against XXXX XXXX XXXX on XXXX/XXXX/XXXX for inconsistent credit reporting for a repossession in XXXX XXXX ; after numerous disputes with the creditor ( XXXX XXXX XXXX. I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the XXXX XXXX XXXX/XXXX/XXXX XXXX, this company has been reporting this account closed XXXX month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within XXXX  days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. 

I have more information attached in the XXXX complaint below.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX the company XXXX XXXX charged my account for a {$99.00} Membership fee, after I cancelled the account. I signed up for a trail period and did not like what they were giving I canceled within the 30 day timeframe allowed for the trail. XXXX XXXX still took {$99.00} out of my account and now I can not reach anyone from this company via phone or email I have been calling and sending emails and no response whatsoever. The telephone service seems sketchy when calling and no response to emails/tickets being submitted by me. The site has a chat icon that Ive tried reaching out there also.
Product: Credit reporting or other personal consumer reports

After reviewing my report, there are several deviations from mandatory reportingstandards therefore the data in my report can not be accurate and complete! Withthat said, I refute your allegations and challenge you to provide proof that you havethe right to report this incomplete negative information about me. Document thatyou have complied with the reporting requirements, and report without anydeviations. If you have not complied with the requirements or there are any negativeaspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumerreport it shall follow reasonable procedures to assure maximum possible accuracy ofthe information concerning the individual about whom the report relates. Accordingto 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish informationconcerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C-Conduct reasonable investigations of consumer disputes According to CRRG, inorder to make a lawful report, you must follow the Metro 2 compliance standards. I HAVE AN ACCOUNT ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AS EVERDOING ANY BUSINESS WITH THESE COMPANY. Please delete the following unknown account : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My XXXX XXXX  and XXXX XXXX XXXX balances are incorrect, they had larger balances and now are COMPLETELY paid off. Equifax didnt post updated information and now removed points for my XXXX account goung up. 
ALL OF MY CARDS ARE PAID EVERY MONTH and over the min amount due. 3 are COMPLETELY paid off but Equifax refuses to acknowledge any account that would drastically improve my credit score.
Product: Student loan

I set up automatic payments that were set to begin in XXXX, but the company did not draw the funds from my bank account. Thus creating a past-due account and now requesting that I pay XXXX 's payment and XXXX 's payment with no other option. I submitted those two months of payments on XXXX XXXX to avoid delinquency. On XXXX XXXX and XXXX, the payment was reversed by Edfinancial. After online research, it appears the company is intentionally trying to manufacturer late payments for customers.
Product: Debt collection

I took the action to dispute the amount of {$650.00} from United we collect inc. I have no idea this account was being placed into collections, I received no letter of that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several dispute about XXXX XXXX XXXX XXXX with XXXX, TransUnion, and XXXX on reporting inaccurate information on my consumer report. The consumer reporting agencies stated that they properly investigated my account with XXXX XXXX XXXX on these two accounts. 

The first one # XXXX for {$350.00}, last active date or to be removed on TransUnion has XX/XX/XXXX, XXXX has XX/XX/XXXX, XXXX no data. 

Second acct # XXXX for {$640.00} Last active date or to be removed on TransUnion has XX/XX/XXXX, XXXX has XX/XX/XXXX. 
I didn't give my consent to report on my consumer report to XXXX XXXX XXXX and didn't have validation of debt sent me as I requested a long time on XX/XX/XXXX. I did not receive notice and disclosure from XXXX XXXX XXXX until after I dispute the debt in XXXX. Received a threatening letter for judgement and disclosed my private information to third parties. 

XXXX XXXX XXXX XXXX already have been ordered by CFPB but they continue to violated my rights. 

They have violated my rights and since my consumer report is inaccurate and incomplete I demand immediately deletion from my consumer reports. See proof below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX  Inquiry from XX/XX/XXXX Misc.

XXXX Inquiry from XX/XX/XXXX Misc.

XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry fromXX/XX/XXXX Bank XXXX Inquiry fromXX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance To Whom It May Concern : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand to delete the following hard inquiries.

I have attempted several times to resolve this matter directly with the furnishers but never received any communication from them. Therefore, I am going to file a lawsuit against each for violating the Fair Credit Reporting Act.

I request you delete these inquiries in an effort to maintain an accurate credit file and reflect my creditworthiness. Your willful and negligent non-compliance reached outrageous proportions a long time ago. This notice is to inform you that legal action is now imminent pursuant to FCRA 616 ( Civil liability for willful noncompliance ) promulgated at 15 U.S.C. 1681n.

The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violations of its provisions. It states : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.

Please delete these inquiries or I will commence legal action.

Sincerely,
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effectively immediately. I am attaching proof that Equifax admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all these negative accounts from your Equafax credit reports. account names and account numbers and file your complaint with the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over three weeks ago I sent Equifax a dispute letter letting them know that the information reporting on my credit was not accurate and I needed them to provide me the documentation they have on file for Chapter XXXX Bankruptcy Case number XXXX. Equifax responded a view weeks later with a new credit report, and in the report they stated that they have validated the information for the Bankruptcy with a 3RD party XXXX! This had me a bit confused because about 3 weeks prior I had put a Security Freeze with XXXX! to make sure no one was using my information with out my consent. So I called XXXX to confirm that Equifax did indeed reach out to them to verify the account. It was told to me that they were never contacted by Equifax and they provided me a copy of the Security Freeze I requested. So I sent Equifax a another dispute asking why they provided me with this false information. Section 609 protects me against false reporting.
Product: Credit card or prepaid card

Last month I was charged interest for not paying my credit card on time. I missed the due date, and paid in full. In addition, this month I paid off my credit card entirely so that I wouldn't have any more fees. 

However, I was charged with a considerable interest fee this month because I was out of my " grace period '' when I didn't pay the balance in full last month ( even though I paid the interest fee and all other related fees ). They pro-rated the amount remaining after I paid last month 's fee up until I paid off the entirety of my balance this month, and charged me for *every day* because I was out of my grace period. The grace period clause was unknown to me, so I called Bank of of America to determine why I had been charged when my account was paid in full. 

When I called into Bank of America the representative described the fee and the grace period clause to me. I asked where this clause was located, and she said it was written on the second page of the monthly statement. I asked if the fee could be removed since I had paid in full, had already paid interest fees on the amount the previous month, and because the grace period clause was not well-publicized to me as a consumer. They refused saying it was written on the statement. I told them that it was a hidden fee, and they said I should have read all of the paperwork. I mentioned that even the U.S. government has not held that persons are responsible for reading the exorbitant amount of legal jargon on excessive agreement documents because it would be too onerous to do so at every juncture in which these agreements are determined to be needed. 

After I mentioned this, the rep changed tactics and said it wouldn't be fair to the other Bank of America customers not to charge me, because they were getting charged as well. I mentioned that, in actuality, Bank of America is actually being *unfair* to *all* of its customers by charging this hidden fee. I asked again if anyone could remove the fee, and the rep said that neither she nor her manager could remove the fee. I asked her if there is anyone else who could remove the fee, and she gave me the name of the CEO of Bank of America, XXXX XXXX XXXX. I asked her if there is anyone in between her and the CEO of the company who could remove this hidden fee, and she said that there was not. 

I believe her statement about fee removal to be false, that this is a hidden and unjust fee being thrust upon all Bank of America customers, and that this type of fee should be either removed or more well-publicized by the company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has agree to delete both accounts from my consumer profile with the response reported by the CFPB they stated that XXXX XXXXXXXX trade line is to be deleted due to inaccurate reporting. These accounts are still not reporting accurately on my consumer reports please remove both accounts from all my consumer reports that you do not have my permission.I will pursue legal matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up on complaint XXXX in which Equifax claims an erroneous record on my credit report doesn't exist. The account XXXX XXXX XXXX XXXXE XXXX still exists on my credit file with Equifax as of XX/XX/2022, I verified this using my.equifax.com. This account is over seven years old and needs to be deleted immediately. Equifax refuses to respond to disputes. XXXX and XXXX already deleted this months ago.