23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to 15 usc 1681c-2 Experian is still reporting inaccurate information on my credit report that has been labeled as identity theft.

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code Notes prev | next ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I demand removal of these items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an identity theft report with the FTC, My local sherrifs department And i will persue litigation if Experian continues utes to report innaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

According to company response # XXXX from CFPB!! 
ON THE RECEIPTS FROM XXXX XXXX 
I HAVE NOT USED THE CREDIT CARD!!! 
THESE RECEIPTS SHOW XXXX XXXX FEES AND LATE CHARGES AND INTEREST DEVOURING THE CARD!!! 
DOES NOT SHOW ME PURCHASING ANYTHING, SO HOW DO THEY GIVE ME CREDIT AND CHARGE ME ALL TYPES OF FEES AND I DIDNT USE THE CARD IN MY POSSESSION AND ALSO I LOST MY WALLET AND STILL DID CALL THE FRAUD DEPT AND TOLD THEM I LOST MY WALLET AND THEY TRIED TO SEND ME BACK TO CUSTOMER CARE WHEN THEY REALIZED I DIDN'T USE THE CARD, BUT CREDIT XXXX CLOSED THE CARD BECAUSE OF NONUSAGE, BEFORE I LOST THE CARD!!! 
HOW COULD CREDIT XXXX DO THIS, IT SHOULD BE ILLEGAL OR CRIMINAL TO GIVE AND TAKE BACK AND CHARGE FEES FOR NOT USING THE CARD AND PUT ME OR ANYONE INTO DEBT AND REPORT TO ALL XXXX MAJOR REPORTING AGENCIES, TRANSUNION, XXXX and XXXX!!!!!!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute Regarding Equifax Credit Reporting Practices Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against Equifax regarding their handling of my credit report and consumer disputes. Despite my attempts to address inaccuracies, I have encountered numerous issues with their reporting practices, which I believe violate the Fair Credit Reporting Act. 

**Details of the Complaint : ** **Equifax Account Information** : - Equifax Report Date XXXX XX/XX/year> - Disputed Account : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) **Nature of the Dispute** : I submitted a dispute regarding my credit report, specifically related to the high utilization rate reported on my revolving accounts. Equifaxs process for submitting disputes has limited my ability to fully describe the inaccuracies. Furthermore, I believe that they failed to consider relevant information I provided during the dispute process. 

**Specific Violations** : - Equifax did not thoroughly investigate my dispute, as required under 15 USC 1681i .

- They did not appropriately consider contradictory information that I submitted.

- Their reporting practices regarding credit utilization are misleading, and I request that they either adjust my utilization to XXXX XXXX or below or remove all credit utilization from my report. 

**Desired Resolution** : I am seeking your assistance in investigating this matter and ensuring that Equifax complies with the Fair Credit Reporting Act. I would like to see corrective actions taken regarding the inaccuracies on my credit report. 

Thank you for your attention to this matter. I appreciate your assistance in resolving these issues and protecting consumer rights. 

Sincerely,
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please address the fraudulent inquiries on my credit report immediately. They were not authorized by me and are causing me distress.
Product: Mortgage

On Monday, XX/XX/XXXX, I received a letter from Lakeview, stating that my monthly payment was increasing from {$1500.00} to {$2100.00} per month. Every year that they have service my account, they have managed to increase my monthly payment. This year they said it was because my homeowners insurance was increasing by {$270.00} per month. They said it is their policy to pay the full amount up front and then charge the customer double the amount of the increase each month, to pay them back and pay for the following year. This is very clearly just an attempt to XXXX up the price of the monthly mortgage payment, so that their customers can't make the payment and will default on their mortgage. So, I changed insurance companies, to one that is more reasonable and decided to pay the insurance monthly myself, rather than via escrow, where I would have to pay double each month. I informed the insurance company that I would make the payment and setup an automatic withdrawal for payment. Then, I contacted Lakeview to update my insurance and inform them that I would not be paying by escrow any longer. They told me that the choice to pay m y own insurance is not up to me and that they decide if I am allowed to do that. They said they would get back to me within 5 business days with their decision. Then, this morning, I received a notification from my insurance company, XXXX, that my homeowners insurance had been switched to escrow. So, I called them and asked how it had changed. They stated that Lakeview had contacted them and told them that I requested it to be changed, which is a complete and total lie. I literally spend 30 minutes on the phone with them yesterday, telling them that I absolutely did not want to do that. Is it legal for them to do that? To lie to my insurance company, and make policy changes that I have repeatedly stated that I absolutely do not want?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX. After returning equipment in CtXXXX on XX/XX/2020 and paying balance owed by automatic payment method, an additional bill was sent in error. I disputed this with the credit card company and after several weeks a credit was issued. 
Several months later i received a collection notice from XXXX XXXX XXXX requesting payment for the previously credited amount. I discussed all pertaining issues and thought it was over. Several months later I receive a collection request from XXXX XXXX XXXX for the same account. I gave them all pertinent info re : the issue and requested a full history of my account so as to forensically correct the issue. I receive a plain non descript bill for the claimed amount due and nothing else. I recently again received a collection notice from a third collection agency, Sequium Asset Solution requesting same payment.

The biggest issue I have is that 3 companies are reporting me in a negative manner and affecting my credit score, all for the same acct. And amount. 
Not only has the bill been paid in full but i continue to be a loyal customer in good standings with XXXX. 

I would like to see the negative portion of my credit report corrected.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnisher of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : [ List any supporting documents you are including, e.g., copies of your dispute letters.
Product: Credit card or prepaid card

My XXXX yr old son clicked on an icon on XXXX XXXX, my credit card was charged XXXX. This is not the first time it happened the first time it happened I filed a complaint with google, they refused to issue a refund. I took my banking information off their site. I don't know why my banking information was still being retained after removing it. I again filed a complaint for the latest purchase letting them know I did not authorize it. Again they refused to refund my money. Google is doing something illegal with people 's banking information. I have since filed a complaint with my bank and will be filing with other agencies as well. They also have the incorrect last four digits of the debit card information, in their refusal email, but the correct one on their site which I have since removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Credit Reporting act. the list accounts below have violated my federally protected consumer rights to privacy and confidentiality. Account # XXXX XXXX XXXX open date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX U.S.C 1681section 602A.Section 1 States I have the right to privacy. 15 U.S.C 1681section 604A Section 2 : It also states a consumer reporting agency can not furnished an account without out my written instruction. 15 U.S.C. 1681c ( @ ) ( 5 ) Sections states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedate more than seven years,
Product: Student loan

Navient held my loans when I applied for the PSLF program 3 times. Each time, I was told I did not have the " right type of loans '' and that I needed direct loans. I had old loans, some of which were already consolidated, but many were direct loans. I applied 3 times but was denied each time. I now know I received incorrect advice : I did have federal loans including some direct loans and should have qualified for the PSLF program by consolidating them under the federal umbrella. Based on this incorrect information, I gave up on the PSLF program after the third denial and consolidated with XXXX for XXXX. I attempted to go through CFPB to try and get XXXX for XXXX to reverse the consolidation. They agreed to do so, but Navient refused to refund the money to them and reinstate my loans. I would ask CFPB to reach out to Navient to see if they would agree to refund the money to XXXX for XXXX and reinstate my federal loans. This would allow me to apply for the PSFL program and receive loan forgiveness. The amount I initially consolidated with XXXX for XXXX is around {$37000.00}. Thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

Request for Assistance in Removing Incorrect Information Credit Report. 

I am writing to : XXXX. Requesting that you investigate USAA practices on which households ( by race and zip code ) they granted XXXX XXXX forbearance. 

XXXX. Your assistance in removing late payments from my credit file as reported by USAA Bank. In XXXX of 2021, I notified both USAA and XXXX XXXX of a financial hardship because of XXXX. XXXX XXXX promptly replied and placed my accounts in forbearance for ( 3 ) months, then an additional ( 3 ) months. I contacted USAA via phone and letter requesting the same XXXX forbearance request. My account was in good standing and my credit score was over XXXX. Even though USAA had also posted on their website for members to contact them if they were experiencing a XXXX financial hardship, I was treated with very unfairly. Instead of working with me during the hardship, USAA reported late pays, threatened a short sale or foreclosure. 
After contacting XXXX XXXX in XX/XX/2021, USAA finally agreed to modify my Loan. I returned to work in XX/XX/2021 and able to resume payments. 
I believe USAAs reporting is inaccurate and damaging to my credit score. I have tried to resolve this issue with USAA, but they have been unfair. I am now turning to you for help. 
I would appreciate your assistance in investigating this matter and taking appropriate action to correct the inaccuracies on my credit report, as reported by USAA. I have included all relevant documentation, including my original request for XXXX forbearance and my load modification agreement. 
Thank you for you time and attention to this matter. I look forward to your prompt response.
Product: Credit card

American Express Company is restricting the bonus point I earned via their program. 
I earned bonus points by using the American Express 's credit card and wanted to use the point for my travel. 
However, American Express Company is restricting my use ; I am told that they need to do special review. 
This restriction was not indicated in original terms and conditions.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my provacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681 ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to. any transaction made by me, the consumer.
Product: Bank account or service

I have recurring bill payments being handled by Bank of America being set to XXXX. Beginning XXXX/XXXX/XXXX payments were made by bill payment every two weeks and sent by corporate check ; XXXX payments to be exact. For other payments in my bill payment with Bank of America since I because a customer all my non-electronic payments made via bill payment were made by corporate check. My payment scheduled for XXXX/XXXX/XXXX to XXXX was made by personal check drawn on my XXXX. This action was taken with out notice to me, causing me harm. In my option this was a calculated action of the part of Bank of America to cause myself and other customers harm. The action is a deliberate move on the part of the bank to increase NSF fees which are probably dropping due to the increase use of electronic payment and the drop in personal checks being written. Although their bill payment agreement says that they have the right to send by electronic, corporate check or personal check, the established delivery method over years with the bank voids this and requires that they provide proper ADVANCED notice to me as a consumer. I have been harmed by this negative action and forced to spend additional funds to purchase adequate software to maintain a proper check register because I can no longer rely on the on line banking function provided by the bank to know my balance. I do not write checks out of my account, I do not own any checks for this account. The actions taken by Bank of America are discriminatory and predatory because they adversely impact on lower income customers who maintain low balances. The fees charged have a greater impact on customer like myself who can lest afford to have to pay these fees. According to my XXXX records all my payments scheduled for XXXX/XXXX/XXXX will be going by personal check they are no longer doing electronic payments even.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested to have the freeze temp unlocked/lifted. They said to send COPIES of specific documents. This was done via Priority Mail. Just received in mail that I did not send in the req. docs. I did. I marked off what they wanted. 
XXXX is refusing to do their job and the companies that are requesting this ( NOT I ) are still waiting after over a months for these people to do what the person ( I ) have asked them to do. THIS IS ILLEGAL. 
Lift temp.the freeze IMMEDIATELY. THAT IS MY RIGHT. 
This is a formal claim against TransUnion. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTITY THEFT REPORTED ON THE ACCOUNTS BELOW : ACCOUNTS WERE OPENED AND INQUIRIES WERE DONE ON MY CREDIT REPORT. 

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

During the Federal Government shutdown of 2019 I requested a loan deferment from XXXX XXXX XXXX XXXX ( XXXX ). I submitted all required documents electronically. In XX/XX/2019 I received a letter from XXXX stating their intent to repossess my vehicle. Confused I immediately contacted customer service to be informed by the representative my loan deferment application was received on the day I sent it electronically but it was never processed. After resubmitting I asked if they can remove the late payment from my credit reports since the error was on their end for failure to process my document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got care credit in my name and also got a credit card in my name in 2020 if XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received a loan from XXXX on XX/XX/2024. My 1st payment to them for the principle was due on XX/XX/2024. Instead of paying the initial principle, I paid the whole loan off ( a practice that I have done with this company at least twice prior ) and received confirmation for paying the loan off ( on XX/XX/2024 ). Today XX/XX/2024, I received a notice saying that I owed them {$210.00} ( appx ) for not paying the principle because they tried to take payment on the same day I already paid the loan in full. One of the service agents even tried to tell me that the installment payment was already slated on the XXXX, instead of the XXXX, even though the 2nd is when XXXX XXXX  was slated to take payment ( which didn't make sense at all to me considering they weren't supposed to do anything until the XXXX ). As it stands, I do not agree to what XXXX XXXX  is attempting to do, and would like protection from their tactics regarding this situation.
Product: Payday loan, title loan, or personal loan

Speedy Cash 3 inaccurate account balance {$5900.00}.

5 payday advance loans issued and paid as follows in 2019 : XX/XX/XXXX - {$250.00} loan XX/XX/XXXX - {$300.00} paid XX/XX/XXXX {$250.00} loan XX/XX/XXXX - {$300.00} paid XX/XX/XXXX - {$250.00} loan XXXX XXXX - {$300.00} paid XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$250.00} loan XX/XX/XXXX - {$300.00} paid ( check ) full price for 2 weeks Credit reporting shows none of the above. Please add to credit report. Please correct and update balance due to {$0.00} on Speedy 3 balance of {$5900.00}.
Product: Mortgage

I sent you a complaint case # XXXX and Ditech did not adjust my payment until I called them back a second time about changing my mortgage payment XXXX dollars more a month. While they gave me the run a round two times, they told me that I was to wait until they get back in touch with me and do not worry about paying them and my credit would not be affected. Guess what, my credit was affected after they told me it was their fault that this problem occured and they would correct their error. I have NEVER been late with a mortgage payment until this incident happened. Every customer service person woul always tell me a different reason for the problem except XXXX. She admitted to the problem and she told me it would not affect my credit and said it would be noted on my record and I would receive a letter stating the same. I received neither the letter or correction staing that my credit would not be affected.