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

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account : XXXX  XXXX
Product: Credit card

I applied American Express Platinum charge card this XXXX and spent XXXX dollars in 3 months using this card. I got XXXX membership rewards points as the bonus in XXXX. 
But American Express took the XXXX points from my account without notifying me.
Product: Credit reporting or other personal consumer reports

I have tried to resolve this issue with the company and have been cause injuries due to the reporting of unauthorized or fraudulent transactions.
Product: Credit reporting or other personal consumer reports

My credit report contains multiple billing mistakes, including late payments that are not consistent with my payment history. Please address and fix these errors.
Product: Mortgage

I sold my home on XX/XX/2021. Later I received a call from the lender, NewRez Shellpoint Mortgage Services telling me the title/escrow company had not sent enough money to close the loan. I reached out to my escrow agent at XXXX XXXX XXXX and they double checked on the phone that they sent the amount in the Payoff they received. I forwarded on the information, and telephone number of the agent that called me from NewRez Shellpoint. They spoke one time and were suppose to receive additional documents. They never received anything and have continued to reach out to this agent with no reply. I have attempted to reach this agent with no reply. I am being charged around XXXX dollars interest a day. This amount left is on my credit report and potentially damaging my credit. I need this addressed. 

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

Subject : Incorrect Information Reported by Credit Bureau : XXXX I am writing to file a new complaint against XXXX for the following items that were reported negatively and should be removed because it can not be validated. The accounts are XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. XXXX  account # XXXX, date opened XX/XX/XXXX. And XXXX XXXX account # XXXX date opened XX/XX/XXXX. 
There is not enough creditor information being reported by XXXX and it does not even match with the other reporting agencies either. I have attached the correspondence letters that I sent to them originally, and they havent responded accordingly and also WITHHELD information that I requested previously. 
These items listed above are inaccurate, unfair and unverifiable derogatory, an according to 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, XXXX as violated the law and ignore the procedures and did not release any information to me on how they verified these accounts and reported them on my credit report.
Product: Checking or savings account

On XX/XX/24 I stayed at the XXXX XXXX & I paid {$160.00} + {$12.00} for 1 night. At XXXX I was charged again for another night. I called my bank they refunded 1 charge of {$160.00}. On XX/XX/24 I was charged again for the 1 night. I've been filing disputes with my bank since the XXXX. They continously Dispute incorrect purchaes ; some of which I authorized. I don't want to close the account. I just want my balance to reflect the {$160.00} refund as I didn't authorize charges from The XXXX XXXX. I can make a police report but my employer provided the funds & were hoping this complaint works.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$460.00} XXXX XXXX XXXXXXXX {$280.00} XXXX XXXX XXXX {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on acct is accurate and not mine I did write bureaus and ask to provide original contract bearing my signature that failed to do so or provide any type of proof other than saying it was verified XXXX XXXX XXXX amount XXXX last reported XXXX this information is inaccurate I have also been a victim of identity theft where my credit is being ran without my knowledge have reported this info to bureaus but have gotten no response
Product: Credit reporting, credit repair services, 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 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. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was already removed from my report almost XXXX  years ago and now its popped back up and i dont understand why. when this was settled XXXX yeras ago if not longer.
Product: Credit card or prepaid card

I was shipped out a credit card that I never signed up for before it even reached my hands it was maxed out {$5000.00} full of fraud I then called Citibank to get it fixed and they managed to take about {$4200.00} off of it but have refused to take off the remainder of the balance I have called them over 40 times and they keep saying they'll take care of it now it's become an issue with my credit score and my score is dropped from XXXX down to XXXX because of them. They are not handling the situation they are not taking care of the problem and they are posting false statements on the credit bureaus. They keep calling me and telling me I have to make payments and then they put me on hold for a half an hour and never get back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Exter Finance Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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

I sent the credit 6letters asking them to verify the late payment on my report. They have sent back stating that everything is verified correctly. According to my findings, XXXX XXXX XXXX  is reporting a late payment date on XX/XX/2021. Where as XXXX and XXXX XXXX are reporting different dates. This account was never late and these dates are reporting incorrectly. Which has damaged my credit score Tremendously. 


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. 

XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$350.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/year> I am not a robot Complete Credit solutions # XXXX This collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they place a collection on my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Checking or savings account

On XX/XX/2020 a check from chase checking account made out to XXXX XXXX XXXX XXXX for the amount {$14000.00} Was meant to be deposited into the account of XXXX XXXX XXXX XXXXXXXX in XXXX XXXX XXXX, but the XXXX  XXXX XXXX returned the check to Chase or lack of endorsement and the funds went missing. I filed a claim for a check fraud with Chase and they did not refund the money.
Product: Credit card or prepaid card

I was supposed to get a credit for fees and interest to bring my account to a XXXX balance after the CFPB complaint I had to file after my XXXX billing issues and TERRIBLE customer service. Somehow there still was a small balance left, and now they've been charging fees on this leftover balance that I wasn't aware of because I had paid my purchase balance in full minus fees and interest back in XXXX. I have not made any charges on this card since then and now refuse to use ANY of my cards held by Comenity Bank after this XXXX XXXX card nightmare.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

To Whom it may Concern ; This letter is in response to your phone call on XX/XX/XXXX I received 2 private calls at XXXX and at XXXX, XXXX XXXX left a message " stating that they have notification of delivery of legal documents delivered to me to my previous address and that they have not heard any response on my behalf, the reason for this is that i never received any legal paperwork or knew of this matter, today XX/XX/XXXX was the first time that i learned or was aware of this matter. he stated to return the call to XXXX at ( XXXX ) XXXX with file # XXXX to return the call before the end of the business day will be best or they would consider it as negligence, and this matter will be submitted against me without my statements included. 
Then at XXXX they called again but this time on my mother 's personal number and that's when i spoke with XXXX XXXX , he stated that i needed to call XXXX no later than today because someone was suing me and if i didnt they were going to submit the legal lawsuit to the XXXX XXXX county courts, so i panic, called XXXX and he told me that i owe a debt of {$5200.00} from XXXX and the last payment on this was given on XX/XX/XXXX, which by the way the ( STATUTE OF LIMITATION has Expired ) from a Weight Loss program, Breach of contract. so i told him i was not aware or recall of this because i have never inquire or have been in any weight loss program. so he continue to say that if i don't take responsibility of this debt, make arrangements or pay i would have to go to the XXXX XXXX legal courts and i would be responsible on paying court fees plus the debt and the balance would go higher ... he was threatening. If this type of debt has an expired STATUTE of LIMITATIONS, if they pursue with this matter in court i will be forced to show proof that the statute of limitation has expired. 
Let this letter serve as notification that i do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated any other communication regarding this debt will be taken as violation of the fair debt collection practices acts.
Product: Debt collection

I called XXXX XXXX in XX/XX/XXXX and ask for pay to delete my account. And they told me that they would delete the account after it was settled. They never deleted the account off my credit files. They just updated it as paid. I pay this debt on XX/XX/XXXX for the amount of {$860.00}.
Product: Debt collection

Since XX/XX/year>, I have been experiencing persistent technical errors that prevent Navient from processing my student loan payments via debit card or checking account. Despite multiple attempts to make payments and numerous communications with both Navient and my bank, the issue remains unresolved. 

Details of Issues : 1. Payment Processing Failure : Navient has been unable to process my payments using my debit card or checking account. These are the same payment methods I use daily for other transactions without any issues.

2. Bank Verification : I have confirmed with my bank that there are no blocks or issues on their end that would prevent payments from being processed. The bank has investigated and found no reason why the payments should be returned as " fictitious. '' 3. Navients Lack of Resolution : Despite contacting Navient multiple times, including speaking with a representative via XXXX while I was out of the country, the technical error remains unresolved. Navient 's response has been insufficient, and they have advised me to use alternative payment methods, which are not feasible long-term solutions ( e.g. purchase a XXXX gift card for payments ). 

4. Impact on Credit Profile : This ongoing issue is negatively affecting my credit profile, as it appears that I am not making payments on my student loan, which is far from the truth. This misrepresentation is harming my creditworthiness.

5. Repeated Threats and Intimidation : Navient has repeatedly threatened me with " disassignment '' and default due to the payment issues, which are beyond my control. These threats are causing significant stress and anxiety.

6. Violation of Communication Preferences : I have requested that Navient communicate with me exclusively via email. Despite this, they continue to send letters and use other means of communication, disregarding my specified preferences. This behavior may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ).

7. Lack of Documentation and Support : Navient has failed to provide necessary documentation, such as screenshots and error codes, that could help my bank investigate the issue more effectively. Their statement that the transactions are " fictitious '' is not a valid output and can not be properly investigated without further details.

Actions Taken : - I have communicated extensively with both Navient and my bank to resolve the payment processing issue.

- I have requested multiple times for Navient to adhere to my communication preferences and provide detailed documentation via email of the errors which they refuse and keep calling and mailing threatening letters. 
- I have kept detailed records of all communications and attempts to make payments.
Product: Credit card or prepaid card

As Im currently in the midst of dealing with the fallout of being a victim of identity theft, my bank was unable to process some payments to my credit card, and as a result American Express closed my account without warning and without valid justification. My most recent payments went through and debited my bank account, and so I believe only one to three payments of a small value were reversed due to the aforementioned issues. Its quite shocking and sinister, after I paid my annual {$690.00} fee for the card itself, then they close it, and after my payments that debited too. I expected more from American Express, especially as a large shareholder in the corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Experian Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Balance {$230.00} U S DEPT OF EDXXXX XXXX XXXX {$4200.00} U S DEPT OF EDXXXX XXXX XXXX {$650.00} XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$2200.00}
Product: Debt collection

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( XXXX ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXXXXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX. 
Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I do not know who stole my personal information but I am a victim of identity theft and there have been accounts opened under my name without my authorization, consent, or knowledge. These accounts are showing up on my credit report but I never opened these accounts! 

The data breaches my personal information was involved in are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was stolen multiple data breaches! 

The following account was opened fraudulently and MUST be removed from my credit report : XXXX XXXX XXXXXXXX XXXX XXXX {$660.00}
Product: Credit card or prepaid card

I have had four American Express cards for two years now with an impeccable record with no late or returned payments. 

This month, two payments were made erroneously to an old bank account on file which was no longer open. I contacted AMEX to cancel the payment and they didnt, this resulted in a returned payment. 

On XX/XX/20, my cards were closed due to the single returned payment even after explaining the issue and having it notated on my account.