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

I submitted a dispute with Equifax online after waiting on hold for over 2 hours. I could not get any answers from agents over the phone and they didn't even undestand what I was talking about. I followed the directions and submitted the dispute using my Equifax account. I went to check the status and was met with the following message : " It looks like we need more information to securely match you to your dispute file. Our consumer care team is ready to assist you with that. Please call us at XXXX between XXXX XXXX  until XXXX XXXX  EST, seven days a week so that we can help. '' I called the number and the systems hangs up every time you press 1 to speak with an agent. I called corporate and I was put through to a specialist and a supervisor who did not know what the message meant and said they could not help. Equifax is not assisting me and not correcting the information on my credit report. I even uploaded a letter from a lender to dispute the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off balances are still showing on my XXXX  & Equifax credit reports. 

An amount of {$160.00} from XXXX XXXX was paid with a settlement as agreed upon by XXXX yet is still showing as due on both XXXX  & Equifax. 

An amount of {$190.00} from XXXX XXXX is still showing due but was paid in full for {$190.00}. Still showing on both XXXX & Equifax. 

An amount of {$160.00} & {$150.00} from XXXX XXXX is still showing past due but was paid as part of a settlement as agreed upon by XXXX XXXX. Still showing {$160.00} & {$150.00} on Equifax & {$150.00} on Equifax & XXXX. 

An amount of {$240.00} from XXXX XXXX is still showing past due but was written off last month by XXXX  XXXX but still shows on Equifax. 

I have not received the documents from the Collections Agencies as they said they have to mail them rather than email.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against GM FINANCIAL for furnishing false and misleading information to my consumer report as means to bring harm to me and my financial reputation. This account is listed as a CHARGE OFF on my consumer report as shown in attached Exhibit A. This is false and misleading. I am aware the definition of a charge off, pursuant to 7 CFR 1956.54, is " the writing off of a debt and termination of collection activity without release of personal liability. I am also aware that once a debt is cancelled, it not becomes gross income. Gross income does not belong on consumer reports. Also, pursuant to 26 USC 61 ( a ) ( 11 ), gross income includes income from discharge of indebtedness. Was a 1099-C filed on this account? If so, I have never received one. I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar in which the identifiable event occurs. If GM FINANCIAL has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I, in fact, received and was aware of a 1099-C. Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 USC 1681s-2. If GM FINANCIAL has filed a 1099C form with the IRS and is continuing any kind of collection activity, as defined under 31 USC 3711 ( e ), by performing any of the following conduct : administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure ; GM FINANCIAL is committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I am fully aware and am invoking my right as the consumer to demand the audit trail in accordance with 12 USC 5562 ( c ) ( 10 ). This includes accounting documents, transactional history, account file, and/or ledgers. I would need this product of document material as documentary evidence in order to properly address this subject matter, and without this documentary evidence, there can be no validation of such debt. Furthermore, in order to validate this alleged debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, Basel 3, and UNCITRAL conversions. If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
Product: Student loan

I received a letter from EDFINANCIAL on XX/XX/XXXX stating that End of Grace has occurred and payments are due XX/XX/XXXX. I am enrolled in an eligible institution and want my loans deferred. On XX/XX/XXXX, I submitted documentation to EDFINANCIAL through their loan portal but never received confirmation via email or in the correspondence history on their documentation portal. It only shows the information they have sent me. Again on XX/XX/XXXX, I submitted documentation verifying enrollment. The documents are not shown in the portal on the loan servicer website. In contacting the customer service, she checked my account and notated that I am not to pay and they have received my documents from XX/XX/XXXX and it will take XXXX business days not including holidays to process this request. I attempted to request documentation mailed to my physical address or email and was refused documentation. I can not get a transcription of the conversation following the end of the chat either. XXXX notated in my account but stated that the notes were for internal use only. I completed an authorization to release your student loan account information and named myself and my address. When I requested my loan information again from XXXX she stated she could not email me anything. Attached below are screenshots of the conversation occurring XX/XX/XXXX. XXXX could not provide me with documentation of what she has seen on my account, my account has not been updated to show that they have received any of my enrollment verifications. On multiple occasions XXXX attempted to end the conversation stating I was not " here '' while I was waiting for a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completely disagree with this response. Please see the supported document Ive attached with this feedback. This account was a car that my husband and I brought in XX/XX/XXXX from the XXXX XXXX in XXXX XXXX New York. Than we got to a car accident in the month of XX/XX/XXXX, we had reported that to our insurance company which was XXXX XXXX at that time. Our insurance told us that the car was total loss. They started a claim. Than our insurance told us that they pay off the amount that was left on the car and they didnt have nothing left to even sent to us. One month after I received a message that stated that my credit score had dropped when I check my report thats when I saw that XXXX had reported the account as a charge off and collection with an amount of {$2000.00} due. They did not even sent us a notice about this before putting reporting it on our credit report. My husband and I called the XXXX company we brought the car from and ask why is that, they didnt really say much they just told us oh yeah you owe {$2000.00} which we think it was absurd because our insurance company told us we do not owe anything because they payed off the amount that was left on the car even so we agreed to pay off that amount as an installment and ask if after paying that amount would it be removed from our report they say yes and still today this account is reported on my report and it have been effecting me deeply. Also I do see that on the report they say this account was late thats not true. We had automatic payment for this account every month they just take the money out of our account. Please I need this to be resolved. This is wrong thank you. 

Account # XXXX XXXX regards,
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report and found hard inquires that i do not recognize. please take these inquires off my report. These companies did not have permission to report anything using my information pursuant to 15 usc 1681 4 they are violating my consumer right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase keep putting a charge off from XXXX on my credit report as if the Charge-off is current. The original card was a Chase XXXX XXXX XXXX. I recently was denied a personal loan because I had {$1000.00} Charge off debt from JP Morgan dated XXXX. I receiving JP Morgan number XXXX from the bank that denied me. I was informed that JP Morgan credit service knew the debt was charged off and they kept reporting it a current on purpose. They informed me to get it removed I need to contact the credit bureau. The Credit bureau stated JP Morgan is reporting it as current which is not true. JP Morgan is using unfair credit practices. I believe they JP Morgan Chase is doing this to other customers and needs to be stopped.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the unauthorized reporting of several accounts and inquiries on my consumer credit report maintained by your agency. I have never provided written consent for the following accounts and inquiries to be included in my credit report, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I dispute the unauthorized inquiry made by XXXX XXXX XXXXXXXX on XX/XX/, which was conducted without my consent and without any permissible purpose as defined by the FCRA. 

I want to emphasize that my dispute is not with the creditors associated with these accounts, but with your consumer reporting agency for including this information without my consent. Furthermore, I have reported this incident to the Federal Trade Commission ( FTC ) as a form of identity theft my reference number is XXXX, as I did not authorize the inclusion of these accounts and inquiries on my credit report. 

In accordance with 15 U.S.C. 1681c2, which allows for the blocking of information resulting from identity theft, I request the immediate removal of the aforementioned accounts and inquiry from my credit report. I expect your agency to conduct a thorough investigation into this matter and provide me with a written response within the statutory time frame, confirming the removal of these items from my credit report. 

Please be advised that failure to comply with the FCRA and the requested actions within the stipulated time frame will leave me no choice but to take legal action to protect my rights under the law. I trust that your agency will address this dispute promptly and responsibly. 

Thank you for your immediate attention to this matter. I look forward to receiving your written response within the legally mandated time frame of 30 days.
Product: Mortgage

My payment was declined by my bank for insufficient funds. At this point, I did not receive any email or communication from the lender ( despite being enrolled in paperless communications ). 13 days after my statement was due, I get a text message from a third party collector saying I owed a payment. I promptly paid the balance but was charged a late fee. 

Not receiving a communication from the lender when a payment fails is a deceptive practice I would like to get corrected.
Product: Checking or savings account

I was charged {$300.00} from cash app on XX/XX/ my debit card is hooked up to my cash app I did not authorize it so somebody got into my cash app account since then I closed my account & opened a new one with a new card Im just trying to get MY money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate debts on my credit report which is hindering my choice of getting housing for my XXXX  and I. I have disputed these inaccuracies for three years, and the credit collections have yet to send me the original contract bearing my signature and what method is being used to verify these false debts. These credit collection companies are not adhering to The Fair Credit Reporting Act. It's been three years that I've been requesting the validity of these debts belonging to me, and they can't verify anything. 

I DO NOT WISH FOR ANY INFORMATION TO BE VERIFIED VIA E-OSCAR!!! Please speak to real people so that I can get real results!!! 

These inaccurate reportings are hindering me being a mother and providing housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, These two mortgage companies reported false information on my credit reports. XXXX XXXX and XXXX XXXX XXXX. 
I have NEVER done business with them. 
I NEVER applied for a mortgage with them. 
I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only Transunion removed XXXX XXXX   from my report but not XXXX XXXX XXXX. At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.
Product: Payday loan, title loan, or personal loan

I have returned the XXXX associated with this loan and yet they are not stopping harassing me asking for payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX 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 is not information relating to any transaction by the consumer.
Product: Credit card

Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIME OF THE IDENITY THEFT. I FOUND NUMEROUS FRAUDULENT OPENED ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPEN BY ME. THIS BEEN HURTING ME SINCE I AM IN THE PROCCESS BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE ALL FRAUDULENT OPENED ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSIBLE. HERE ARE THE FRAUDULENT OPEN ACCOUNTS XXXX XXXX IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, ACCOUNT NUMBER IS XXXX, BALANCE {$380.00}. XXXX ONE IS XXXX OPEN DATE XX/XX/year>, ACCOUNT NUMBER IS XXXX, XXXX {$590.00}. ALSO I AM ATTACHING MY ID, SOCIAL SECURITY, UTILITY BILL AND IDENITY THEFT REPORT. THANK YOU IN ADVANCE.
Product: Credit reporting or other personal consumer reports

I recently had all of my student loans discharged. I informed XXXX, Equifax and XXXX of this and sent them documentation that proves this and they have not updated the information to reflect the loans as having a XXXX balance.
Product: Debt collection

I received a collection notice from First Credit Services , Inc. of XXXX, NJ claiming a debt for XXXX XXXX of XXXX, IL on XX/XX/XXXX. I contacted First Credit Services regarding the debt and was told at first that the debt was initiated on XXXX XXXX, then by another person it was initiated on XX/XX/XXXX. I looked up the name of the business they were collecting for and found the business was closed XXXX of XXXX, and the owner had since opened another business. I contacted the owner 's new business and was able to get confirmation through email that no debts had ever been taken out by him with regard to XXXX XXXX. I asked First Credit Services to provide proof of the debt and have it mailed to me. I am at this time waiting for proof of the debt from First Credit Services , Inc. and would request an investigation into their business practices to prevent further fraud from being committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in on XX/XX/XXXX. I received a response denying my dispute a week later. I then mailed in a method of verification request for this dispute. The letter was mailed certified and was signed for on XX/XX/XXXX. I had not received a response within the 15 days required by law. Therefore, on XX/XX/XXXX ( over 30 days after the letter had been signed for ) I mailed in a letter demanding this item be removed since the FRCA had been violated. This letter was signed for on XX/XX/XXXX. They still have not removed this item or given me a response. The person on the phone told me they did not have to do this investigation. Completely unprofessional.
Product: Debt collection

I received a letter from Hunt and Henriques saying I would be sued for a delinquent account. The account is {$2200.00} and held by XXXX XXXX XXXX with the original owner being XXXX XXXX XXXX. I was never notified about this debt from XXXX XXXX XXXX or notified of their intention to file a suit.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against Experian Regarding Inaccurate Late Payment Reporting for XXXXXXXX XXXX Account Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX ( XXXX XXXX Account Rating : Closed Account Description : Individual, Closed or paid account/XXXX balance Dispute Status : Account not disputed Creditor Type : Auto Finance ( XXXX ), Auto Financing ( Experian and XXXX ) Account XXXX : Closed Payment Status : Current Creditor Remarks : Closed ( XXXX and Experian ), Closed or paid accountXXXX balance ( XXXX ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$0.00} Two-Year Payment History Discrepancies XXXX : Reports XXXX late payment for XX/XX/XXXX, which is inaccurate. 
Experian : Reports XXXX late payment for XX/XX/XXXX, conflicting with other bureaus. 
XXXX : Reports XXXX late payment for XX/XX/XXXX, which does not align with payment records. 
Desired XXXX I am formally requesting the following : XXXX removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

16. U.S.C.1681 SECTION 604A Section 2. It also States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681 ( c ) ( 2 ) ( 5 ) Section states :. No consumer reporting agency may make any consumer reports containing any of the following items of info, any other adverse item of info other than the records of convictions a crimes which dates report by more than 7 years.

15 U.S.C. 1Y81-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the info is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report. I am a victim of identity theft stemming from a recent data breach, and these items were added to my report fraudulently. Under the Fair Credit Reporting Act ( 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) ), I am entitled to have these unauthorized items blocked and permanently deleted from my credit report. 
Fraudulent Accounts : XXXX. XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$310.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} Fraudulent Inquiries : XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I attempted to initiate a dispute with Experian in regards to my account with XXXX XXXX XXXX. The account is reporting a balance ; however, the account is paid in full. Experian would not allow me to submit a dispute.