23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have paid my bills my whole life and never missed a payment. I had a misunderstanding with XXXX, which was not my fault, and there is no documentary evidence to support my contention of the following facts. XXXX records all phone calls, so XXXX is in control of all of the documentation necessary to remove this item from my credit report. 

I moved out of California, where I had been a XXXX customer, on XXXX XXXX, 2014. On that date, I was told by the XXXX representative who disconnected me that I was paid in full. I received a bill from XXXX a month later for about {$150.00}. I called and the representative told me that I needed to return my router, which I did. I mailed the router and called to confirm. I received another bill and called and was told again that it was a mistake. Only upon receipt of a collection notice did I finally receive the correct information regarding my bill and I paid it immediately, pleading with the representative who promised me that if I paid it would not impact my credit. I submitted a dispute to XXXX XXXX the dispute confirmation number is pasted above ) after discovering to my horror that I had been misled and lied to. XXXX asked for documentary proof, of which I have none. All I have is my unblemished history of payments of all debts. I applied to refinance my student loans and was denied a week ago because of this. 

This information will obviously be on all credit reports with the largest credit reporting agencies, so if the CFPB could help me dispute across all agencies, it would mean so much to me. I worked so hard and to have a misunderstanding affect me like this is really heartbreaking. 

Please help me. I really hope that you can help me resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

ILLINOIS XXXX COLLEGE/TEK-COLLECT XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You
Product: Debt collection

This company continues to call about an alleged debt I owe to XXXX. At first it was XXXX  XXXX XXXX. They keep saying I will be served at work and home but also claim to have sent a settlement letter to me for the debt. I asked them not to call before and a lady said no. The legal company told me their name was XXXX XXXX XXXX, and the man I spoke to, XXXX was a lawyer. They threatened to have my wages garnished and bank accounts closed, if I didnt respond.
Product: Credit card

Us bank added Interest changes to my credit card for no XXXX  reason I told them that I had wonted to cancel my credit card because they did that to me I sent letter 's in the mail telling that I guess they cant read I am mother XXXX XXXX off at them they sent me another bill today in mail adding more Interest and late fees they are hassing me and I wont it stop because I am not pay those XXXX  XXXX any money XXXX them!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data.

This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX XXXX XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

this company failed to provide proof of verification multiple times and refused to remove bad debt from my credit report this violates so many laws and will be reporting to BBB of this fraudulent information. told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX ALSO THESE 2 ACCOUNTS ARE THE SAME PEOPLE UNDER 2 DIFFERENT NAMES " Original creditor : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX '' Account name : XXXX XXXX XXXX  Original creditor : XXXX XXXX  FOR YOU Account # XXXX Account name : XXXX XXXX XXXX XXXX  Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.
Product: Mortgage

my loan with bayview loan servicing was sold to XXXX on XX/XX/2015 according to XXXX there was no escrow in my account to transfer to XXXX.my mortgage was then increased by XXXX as you have to have XXXX to start escrow .I can not understand what happened to the escrow acct with bayview loan servicing.i get help from nj tax freeze every year. I can not understand if I had to have XXXX. XXXX for escrow to started with XXXX did I have extra money the the bayview account. also my mortgage was sold to XXXX 2x in one month what is that all about.also I would like this resolved with bayview as it has really messed up my loan with XXXX. I have contacted the dept of banking reguarding both of these companys. as I think they should not be allowed to be in business.
Product: Student loan

Call Aidvantage on XXXX XXXXXXXX XXXX to request refund on student loan payments. Request was submitted. Advised could take up to XXXX weeks for money to be refunded. Called back in XXXX and XXXX to check status. Advised still processing. Called back XX/XX/XXXX and was told Aidvantage had finished processing on XX/XX/XXXX and forwarded it Federal Student Aid which then has to be sent to the Treasury. Advised it would take up to another 8 to 12 weeks and refund would be mailed not direct deposit. Which means I have to wait approximately 6 months for my money to be refunded.
Product: Debt collection

On XX/XX/XXXX I mailed a certified letter, return receipt requested to Wakefield and Associates disputing my debts and informed them in the letter to only contact me by mail. On XX/XX/XXXX a XXXX XXXX signed for the letter at Wakefield and Associates. XX/XX/XXXX XXXX from Wakefield and Associates called me and left a voicemail message stating who he was and this was an attempt to collect a debt and to return his phone call.
Product: Debt collection

I received a collection notice from a PayPal account I never had I disputed with the collection company and they suggested I reported identity theft. I reached out to PayPal to gain info on the account. Waiting for response
Product: Credit reporting or other personal consumer reports

My personal information was leaked in a data breach concerning Equifax and XXXX. As per 15 U.S.C. Sec 1681i ( a ) they were required to complete an investigation regarding the inaccurate items on my credit report. In accordance with the fair credit reporting act, I requested they be removed, but it can back the next day as verified without an explanation of how it was investigated or verified.
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 debt bondage, 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  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and Equifax. 

Please delete the following accounts : XXXX XXXX  Account Number : XXXX Balance : {$330.00} XXXX XXXX  Account Number : XXXX Balance : {$820.00} XXXX  Account Number : XXXX Balance : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never late for XX/XX/2023 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Two fraudulent Hard Inquiries on my account. 
The first one is from XXXX Bank. It is showing up only on my TransUnion credit report. It shows up as : XXXX on XXXX/XXXX/XXXX, I was alerted and called XXXX on XXXX and told them was not me and that I need the inquiry reversed. They said they would have the inquiry removed. It is now XXXX XXXX XXXX and it is still showing on my XXXX XXXX account. I spoke to XXXX Bank agai, spoke with XXXX in their fraud department today, XXXX/XXXX/XXXX XXXX EST and they are again promising that they will remove the inquiry with XXXX days. anything you can do to make sure they really do it would be appreciated. 
2nd one was on XXXX/XXXX/XXXX. It is only showing up on my XXXX report and it registered as XXXX. I called the number that was associated with this also on XXXX/XXXX/XXXX and again was assured the inquiry would be removed. It also has not been removed off my XXXX report. I have been told that the XXXX stands for XXXX XXXX XXXX someone was trying to open a credit card in my name at XXXX XXXX. They have my social security number and a prior address of mine. I have put a freeze on all credit bureaus because of this but need these hard inquiries removed from credit report. Thx
Product: Credit card or prepaid card

1. I purchased a prepaid credit card from https : //www.amexgiftcard.com/ on XXXX XXXX for {$81.00}. I used my citi credit card to make the purchase. 

2. I tried to use the card and ran into problems. I called amexgiftcard on XXXX, and they processed a refund, including purchase fees, and emailed me that I will get it in 5-7 business days XXXX XXXX. The card is canceled as it was being refunded and can not be used. At the same time, I purchased another card from them, which worked and I was able to use it.

3. After waiting for several weeks and not receiving a refund, I called them. They told me they are sorry, and they will email the " back office '' to process the refund.

4. Nothing happened. I called 3 more times, each time spending at least an hour on the phone, with the same response in # 3.

5. They never processed my refund or gave me back my money.
Product: Credit card or prepaid card

I was extended an offer to upgrade my XXXX card, and was told I would receive XXXX bonus points and a waived annual fee. The annual fee was not waived, I paid for it XX/XX/XXXX and have been dealing with Chase via SM for almost three months now to get it refunded. I paid an {$85.00} annual fee that should have been waived.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I got this letter from experian saying they won't reinvestigate but its nothing that needs investigating. The U.S department of education has been providing misleading information and attaching its bad payments on my consumer report. they say they are telling the truth and have " verified '' this account to be accurately reporting yet they can't be FACTUAL. If this was valid wouldn't the information in regards to account XXXX be reporting hard proof, information, dates etc? If they claim the information they are providing experian is to be true then WHY/HOW is it that they are reporting different information to different companies? attached are photos of my credit reports. DOTS are next to the misleading information .... such as the account status, date open, payment status etc. DELETE THIS " CLOSED '' ACCOUNTS THAT WERENT EVEN OPEN WITH MY CONSENT IN THE FIRST PLACE OFF MY REPORT. this account is reporting 100 accurate i see so many errors which is a FCRA violation.

Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance : {$18000.00} Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance : {$23000.00} Account Name : US DEPT ED Account Number : XXXX Account was openedXXXX Account Balance : {$27000.00}
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed inaccurate information on my credit report, but your responses continue to verify the same incorrect details. Despite the evidence Ive provided, the inaccuracies remain uncorrected. 

This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires 100 % accuracy on credit reports.
Product: Debt collection

I started receiving phone calls from Trans Union. They leave a message saying they are a debit collection service and I need to call XXXX, ask for XXXX XXXX and my reference # is XXXX. I noticed that the number that called me was not the number given to call back to but I did not write down what it was. I have attempted to return the call 3 times. Each time I am told that all representatives are busy. That recording will come on periodically. After about 10 minutes of being on hold another recording says no one can help me at this time, please call back. I do not owe anyone anything as far as I know and I want this to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 Also states a consumer Reporting agency can not Furnish a account without my written instructions.

15 U.S.C 1681 C. ( a ) ( 5 ) Section states that no consumer Reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of conviction of crimes which antedates the report more than seven years.

15 U.S.C 1681 S-2 ( a ) ( 1 ) A person shall not Furnish any information relating to a consumer to any consumer Reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I was charged interest on my XX/XX/2024 statement when my balance was paid off on XX/XX/2024. My statement time is from XXXX. Since the credit card was paid off in full before the statement closing date, no interest is allowed to be charged
Product: Credit reporting, credit repair services, or other personal consumer reports

I was behind LAST YEAR on a personal loan for home improvements ( new windows ). I caught it up by making over {$3000.00} in payments on the account. I noticed I had not received a new statement in a while, so I reached out and inquired ... as I was trying to see what the actual balance was. I should also mention that I have made the monthly payments AND THEN SOME since this time. 

After I made the large payments on the account, they apparently sent it to collections... which I NEVER received any communication about. I reported this to you. They then retaliated by reporting that the account was not up to date on credit reporting ... even though the account IS up to date... they are just not reflecting that and are refusing to do so. 

This is clear retaliation for me reporting their illegal practices- and you closed the complaint at their repsonse! I'm shocked by this- but they are now digging in and retaliating by trying to make my credit suffer even though I have made MORE than the required payments since late XXXX. This is truly shocking and I want them to stop. They need to be correctly reporting that they payments are being made TIMELY- they are refusing to do so. This company is TERRIBLE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Charge-Off Information on My Credit Report Dear XXXX, I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( 15 U.S.C. 1681 ) and 611 ( 15 U.S.C. 1681i ). The information in question is a charge-off reported by XXXX XXXX with the account number XXXX. 

This charge-off is inaccurately reported because I have not received a XXXX form from XXXX XXXX, which is required under IRS regulations when a debt of {$600.00} or more is canceled. The absence of this form raises questions about the accuracy and completeness of the information being reported. Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of the information contained in consumer reports ( 15 U.S.C. 1681e ( b ) ).

Additionally, the status update and the status of the charge-off do not correspond and are contradictory. This inconsistency violates the FCRAs requirement for accurate and non-misleading reporting ( 15 U.S.C. 1681s-2 ). It is essential that the status of the account is reported accurately and consistently. 

The details of the inaccurate charge-off are as follows : Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Charge-Off : [ Date of Charge-Off ] Dispute Reason : Account Information Incorrect Attached, please find copies of relevant documentation supporting my claim. According to the FCRA, you have 30 days to complete this investigation and provide me with the results ( 15 U.S.C. 1681i ). If the account can not be verified within this period, the account must be completely removed from my credit report as required by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days of receipt of this letter as required by the FCRA. 

Sincerely,
Product: Debt collection

I'm dealing with a debt issue related to a hospital, but it's not the original debt. I've been receiving letters from different companies regarding this debt for various financial services. I would like to be removed from their mailing lists. Additionally, there is no signature proving that I owe this debt of {$1100.00} to the financial company handling the original debt. 
It's really important to put an end to the debt harassment and make sure your personal information isn't sold without your consent. Let 's work on stopping the harassment and protecting your privacy!