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

It is Equifaxs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting two inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/ and XXXX 60 day late payment dated XX/XX/. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

This complaint serves as a formal complaint regarding the inaccurate and incomplete information that you are reporting on my Credit Report, which I wish to dispute. 
While I acknowledge that errors can occur, it is important to rectify this inaccuracies promptly, as they could potentially lead to higher interest rates for me. Given my current financial obligations, such additional expenses are unwelcome. 
XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am filing a formal dispute regarding inaccurate information reported on my credit file concerning late payments for account # XXXX. Despite multiple attempts to resolve this issue ( letters sent on XX/XX/XXXX and XX/XX/XXXX ), no corrective action has been taken. 
The reported 30-day late payment for XX/XX/XXXX is inaccurate. I have verified with my records and provided supporting evidence showing payments were made on time, and yet this error persists. 
Details of the Account : Account Number : XXXX High Balance : {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Credit Limit : {$3500.00} FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are obligated to ensure the accuracy of information. This has not been upheld. Additionally, 15 U.S. Code 1666b requires creditors to send statements at least 21 days prior to the due date, which has been violated as evidenced by the late reporting.

TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The incorrect reporting of a late payment has harmed my creditworthiness and caused undue stress.

Desired Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/XXXX. 
Written confirmation of the correction within 15 business days. 
Please consider this letter as formal notice under the FCRA and provide the requested corrections promptly. If this issue remains unresolved, I am prepared to escalate the matter, including filing additional complaints with relevant agencies and pursuing legal action. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not request my account to be locked & will file a CFPB Case against the company for compliance fraud if my account is not reopened I sent my identity documents in case # XXXX XXXXmonths ago. This is a consumer data privacy violation breach & will be report to the FTC.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 


Account name XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX CT XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Student loan

My first issue is I have been charged an exorbitant amount of interest. Ive been paying on this loan for 19 years steadily and Ive been employed full-time steadily. I have only had one year of deferment and one year of forbidden in the 19 years. In that time alone they tacked on {$6000.00} of interest. After 19 years what I owe now is more than the origination balance. How is that possible? 
My second issue is that I should be approved for public service student loan forgiveness. I have worked in a nonprofit agencies for 16 years as a social worker and I have made over 120 payments yet. I keep getting denied. My salary has also never been as high as the cost of my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a current balance of {$1000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was turned back in per the terms of the agreement. There is no outstanding balance due. Please update and/or remove this line item from my credit report. This false reporting of a balance due is harming my credit score. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX account XXXX derogatory trade dated XX/XX/2020. 

Violation of Fair Credit reporting act 15 USC 1681 section 602, XXXX and Equifax are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared. This is backed by 15 USC 6801 which states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it verbal, no non verbal, written or implied may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item that they are reporting without my permission. They are acting in violation of the law. Further 12 CFR 1016.7 states that a consumer has the right to opt out at any time. I am opting out officially and lawfully on the record.
Product: Credit card or prepaid card

I just really need to figure it how long it's going to be till the money is going to be on there
Product: Credit card or prepaid card

I signed up for the Chase XXXX card a year ago, and paid the first annual fee because of the advertised 2 free nights. However, when I logged into the website to book a hotel stay to use those nights, I was unable to do so. I contacted the XXXX Rewards service, but they did nothing to help me. 

Because of this, I went the rest of the first year without using the card ( because why use it if I can't get any rewards ). Today, I attempted to cancel the card, and was met with a lot of resistance in the process, but was eventually able to do so. However, I am still being to pay the second annual fee, despite not having used the card in over a year, and despite the fact that I did not consent to a renewal. I consider this fee to be completely fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00} XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$52.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$3400.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Prepaid card

I purchased 4 gift cards from amexgiftcard.com each worth {$300.00} ( totally {$1200.00} ) on XX/XX/year>. With those, I tried to make a bill payment of {$30.00} at XXXX XXXX XXXX on XX/XX/year>, but the payment attempts got declined. Multiple payments attempts didn't work out as well. 

Upon contacting the amexgiftcard.com customer care, first I was told to give it another try which I did try during the call but was declined again. Then I was asked to try a different merchant. So, I tried to add each one of the 4 cards to my XXXX wallet, but all of them were declined. So, I couldn't use it for my XXXX transaction as well. 

After searching the internet, I came across many consumer complaints and XXXX posts on Amex Gift Cards, all pointing to the cards being unusable across several merchants both online and in-store. All complaints pointed to the card getting declined everywhere and there were also reports of users mentioning about the card blocked after several attempts and the money getting completely locked. There were also some people who mentioned that the replacement cards given also had the same issue. 

Since, I do not want to go through the hassle of trying different merchants and end up locking my {$1200.00} in unusable gift cards, I want the entire amount refunded back to me.
Product: Mortgage

My homeowners insurance was due XXXX-24 and was not paid by early XXXX. I paid the insurance company and since that time there has been no change in my escrow account and no reimbursement. 
XXXX XXXX has the paper, servicing was transferred from XXXX to XXXX XXXX in XXXX. I called XXXX XXXX in XXXX and was told they were unable to help me as the transfer was ongoing. I was told I would be contacted and to date Ive not been contacted, reimbursed or received a new escrow statement. 
Sincerely XXXX XXXX
Product: Debt collection

Credit Protection Association has been harassing me foe months now trying to collect a frivolous or fraudulent {$440.00} charge. the reference number is XXXX. Their phone number is XXXX attn : XXXX XXXX. I am having to laboriously submit documentation proving that i am not the debtor. Please advise them to stop calling me and remove my name from their records. I do not want them to blemish my credit. There has got to be a better way for a consumer to not have to prove fraudulent charges.
Product: Credit reporting or other personal consumer reports

I was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. that has been hurting me as i am in the process of buying a home for my family. please remove the fradulent accounts from my credit reporting as possible. This account are reporting inaccurate information XXXX XXXX XXXX, {$340.00} no XXXX or XXXX  days reporting but it show XXXX XXXX day late payment it skip XXXX and XXXX  days. XXXX XXXX XXXX XXXX, this account show {$2000.00} no balance but XXXX XXXX XXXX XXXX XXXX XXXX this is inaccurate information. XXXX XXXX XXXX XXXX XXXX show XXXX XXXX  days late payment XXXX XXXX late payment and XXXX XXXX day late payment. How is thats this all inaccurate information.
Product: Checking or savings account

Dear Sir/Madam, I am writing to file a formal dispute and seek your intervention in a matter of grave concern regarding my banking relationship with Chase Bank XXXX On XX/XX/XXXX, I received a notice from Chase informing me that my accounts may be closed if I did not reach out to them. When I reached out the same day I was informed that my accounts has been closed, and my funds have been withheld without any explanation provided. 

I have been a loyal and responsible customer of Chase Bank for quite some time, and I have always maintained my account in good standing. I have never engaged in any activities that violate the terms and conditions of my account agreement. Therefore, I am utterly perplexed and deeply troubled by the sudden closure of my account and the withholding of my funds without any prior warning or explanation. 

Despite numerous attempts to contact Chase Bank and seek clarification regarding the reasons for this abrupt action, I have been met with evasive responses and lack of transparency. The lack of communication and accountability demonstrated by Chase Bank has left me in a state of financial uncertainty and distress.

Additionally, I was advised by Chase Bank branch representatives on XX/XX/XXXX that my funds would be sent overnight to me. However, upon following up, I was informed that there were no funds in my account to send, despite the fact that over {$5500.00}, including my XXXX benefits from the Department of Veteran Affairs, is missing. This situation has put me at risk of eviction and has caused severe financial hardship. 

I am consistently met with dead ends and endless transfers when attempting to resolve this issue with Chase Bank. I believe I am a victim of theft by the bank, as they have failed to provide a reasonable explanation for withholding my funds and closing my account. 

As a consumer, I believe that I am entitled to clear and justifiable reasons for any actions taken by my banking institution, especially when they involve the closure of my account and the withholding of my hard-earned funds, including critical benefits. Therefore, I am reaching out to the Consumer Financial Protection Bureau to request your urgent assistance in resolving this matter promptly and ensuring that Chase Bank provides me with a satisfactory explanation for their actions. 

Furthermore, I urge the Consumer Financial Protection Bureau to investigate this issue thoroughly and take appropriate measures to hold Chase Bank accountable for their conduct. No consumer should have to endure the XXXX  and frustration of having their account closed and their funds withheld without valid justification. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if you require any further information or clarification. 

Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I sent a XXXX payment to my friend XXXX XXXX for {$350.00} as payment for a loan. I am a XXXX y/o male on XXXX and have used XXXX a few times in the past. The only thing I did different was I used my cell phone instead of my pc to send the money and I don't understand how my friends payment information came up wrong. I have never used it to pay her but I have received payment by her many times. Anyhow the first thing we noticed was that her name came up wrong on my payment to here. It is usually sent to XXXX XXXX. This one went to XXXX XXXX XXXX and the phone number was off by just one number. I know for a fact that I didn't will out her name wrong or type in the wrong number. When she told me she hadn't received payment I alerted the bank which was on XX/XX/XXXX and they started a investigation which will take 30 days to complete and I just don't have that kind of money to throw away especially now trying to get by on a fixed income with the cost of living so high. So we are waiting for First Bank in XXXX to finish the investigation. Praying I get my money back. Will I ever use XXXX again? No ......
Product: Debt collection

XX/XX/XXXX XXXX  XXXX filed on my behalf. Penfed sold a debt to another collection agency of {$9600.00} on XX/XX/XXXX Account ending XXXX and penfed Federal credit union, still trying to collect the debt after they sold the debt this is all public record. on XX/XX/XXXX XXXX XXXX Discharged I get letters in mail, Email, phone calls, from Penfed! Penfed sold my debt and reclaimed it during bankruptcy. I have all document to prove in court when I file. Penfed reports on XXXX XXXX XXXX discharge and penfed go back and reports charge off bad debt/collections. Penfed reports multiple times to manipulate credit bureau. They also send collections to collect debt while manipulating false practice in reporting to credit bureau. I have been threatened to be sued for bad debt and my home have lien put on it if I do not pay. BANKRUPTCY CODE SECTION 362 AUTOMATIC STAY have been a VIOLATION OF AUTOMATIC STAY UNDER ITS POWER OF CONTEMPT. PENFED VIOLATED THE COURTS ORDER. I WILL FILE FOR DAMAGES SOON. PENFED WILL LIE ABOUT CALLING SO THEY CAN IGNORE THIS I DO NOT WANT THEM CALLING ME IM TIRED OF HURASSMENT. This month Penfed again each month reports multiple times to XXXX in one month at same time. First penfed will acknowledge its XXXX  XXXX discharge and penfed will report after that BAD DEBT and penfed will go in and state collection. Penfed is manipulating credit bureaus. Penfed hit my report 4 times back-to-back on same bureau same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern : On XX/XX/2020, Equifax, XXXX, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR Equifax 1. The high credit under this account is reported inconsistently on all three bureau reports. All information must be consistent on all three bureaus. Additionally, a charged-off account should not report any past due amount but this is particularly posting {$2600.00} as past due. How is that possible? 
XXXX Account Number : XXXX Delete this account for reporting all those inaccuracies. 
2. Why are both the dates under the XXXX and the XXXX  are not accurate on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA. 
XXXX Account Number : XXXX Please remove this account from my credit report for reporting inaccurate information. 

FOR XXXX  1. The high credit under this account is reported inconsistently on all three bureau reports. All information must be consistent on all three bureaus. Additionally, a charged-off account should not report any past due amount but this is particularly posting {$2600.00} as past due. How is that possible? 
XXXX Account Number : XXXX Delete this account for reporting all those inaccuracies. 
2. Why are both the dates under the XXXX and the XXXX  are not accurate on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA. 
XXXX Account Number : XXXX Please remove this account from my credit report for reporting inaccurate information. 
3. This is a collection account so the balance should be XXXX but it is showing an amount balance of {$370.00}. How is it even possible? 
XXXX Account Number : XXXX Please remove it from my credit report right away! 

FOR XXXX  1. The high credit under this account is reported inconsistently on all three bureau reports. All information must be consistent on all three bureaus. Additionally, a charged-off account should not report any past due amount but this is particularly posting {$2600.00} as past due. How is that possible? 
XXXX Account Number : XXXX Delete this account for reporting all those inaccuracies. 
2. Why are both the dates under the XXXX and the XXXX  are not accurate on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA. 
XXXX Account Number : XXXX Please remove this account from my credit report for reporting inaccurate information. 
3. This is an unknown account and I never received any paperwork to legally validate and verify this. I reached out to the collection company but I never heard back from them. 
XXXX  Account Number : XXXX I don't recognize this account and I need for you to remove it please. 
4. This is a collection account so the balance should be XXXX but it is showing an amount balance of {$370.00}. How is it even possible? 
XXXX Account Number : XXXX Please remove it from my credit report right away!