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

Charge offs not verify XXXX XXXX equifax reported from telegram with equifax, I requested deleting report no information connected to charge off, inaccurate credit information the provision of the fair credit reporting act, I demand that these items be investigated and removed from my credit report.it is my understanding that they will recheck these items with the creditors who has posted them. Please remove any information that can not verified. Under 15 USC sec. 1681 Please send notices of correction to anyone who received my credit report in the past 6 months Thank you Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are currently loan reporting on my credit I do not know of or took out I never been to school in 2017 the fact that I was busy having my first child I never co sign or told anyone to use my information to get a loan. Although there are in good standing there are still invalid and unknown please remove the following : DEPT OF EDUCATION/XXXX Acct # XXXX {$3500.00} DEPT OF EDUCATION/XXXX XXXX {$4400.00} DEPT OF EDUCATION/XXXX XXXX {$6300.00} DEPT OF EDUCATION/XXXX XXXX {$3500.00} DEPT OF EDUCATION/XXXX  XXXX {$6000.00} DEPT OF EDUCATION/XXXX XXXX {$3500.00} The loan show up 6 times with different amounts
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The Act also creates a cause of action for consumers to sue and recover damages for certain violations. 1681n ( a ) .EQUIFAX IS IN VIOLATION OF THE CONSUMERS FEDERALLY PROTECTED RIGHTS. 15 U.S. Code 1681b - Permissible purposes of consumer report STATES YOU CAN FURNISH INFORMATION ONLY ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX MAY NOT FURNISH ANY OF CONSUMER 'S NON PUBLIC PERSONAL INFORMATION!! POLICY OF CONGRESS STATES EACH INSTITUTION MUST PROTECT THE NON -PUBLIC PERSONAL INFORMATION OF CONSUMERS AND CONSUMER MAY ALSO EXERCISE THEIR RIGHT TO OPT OUT!! I, HEREBY EXERCISE MY RIGHTS TO OPT OUT OF THE FOLLOWING REPORTING AS I HAVE NOT PROVIDED ANY WRITTEN CONSENT TO EQUIFAX TO FURNISH CONSUMER 'S NON PUBLIC PERSONAL INFORMATION. YOU HAVE NO PERMISSION TO FURNISH CONSUMER 'S INFORMATION AND FAILED TO PROVIDE MANDATORY OPT OUT DISCLOSURES, THEREFORE UNTIL YOU CAN PROVIDE THE PROPER DISCLOSURES ADN PRIVACY NOTICES, CONSUMER ELECTS TO HAVE INFORMATION REMOVED FROM CONSUMER 'S CREDIT FILE NUMBER XXXX. COMPLETELY HAULT YOUR FURNISHING OF THE ESTATE 'S NON PUBLIC PERSONAL INFORMATION, UNTIL FURTHER WRITTEN NOTICE OUTLINING EXPLICIT PERMISSION AND CONSENT FOR THE USE OF CONSUMER REPORT FOR A CREDIT EXTENTION OR TRANSACTION INITIATED BY THE CONSUMER. PURSUANT TO 15 USC 6508 & 15 USC 6802- CONSUMER HAS THE RIGHT TO OPT OUT OF ANY REPORTING.
Product: Credit reporting or other personal consumer reports

I provided proper documentation from the XXXX XXXX task force and requested that adverse information be blocked from my file due to victimization.
Product: Credit reporting or other personal consumer reports

Pulled my credit report as today I was approved for an XXXX. Upon review saw XXXX hard inquiries - I dug in. 
XXXX - today XXXX XX/XX/year> for my husband Then this one which is fraudulent- XX/XX/year> Financial Type ; Bank Credit cards Company Name : BK of America I called Bank of America to dispute they cant find me XXXX XXXX in system theyre perplexed why there was hard inquiry as they dont have an application nor account in my name. 

Then I called XXXX who advised I go on XXXX to file complaint. Went to FTC.gov they redirected me here. 

XXXX- agreed with me appears fraudulent, theyve put the hard inquiry under pending Advised I get a letter from you all to remove from my credit report.
Product: Credit card

I used home depot credit card charged {$210.00} on XXXX/XXXX/2015. 
I paid the bill of XXXX on XXXX/XXXX/2015 as the credit card company said that is including the interest. 
But the company keep to sending me the bill of late charge {$39.00} every month since then until now XXXX saying that because I paid XXXX is XXXX day late I have no idea of what after I paid whole balance bill with the late fee charge in full of their bill And they still keep to charge me the fee I have already paid in full And calling XXXX times day from XXXX to evening today XXXX, I had to pay {$78.00} for the company to finalize this pay by the customer service in the local home depot arrangement. 
This is not fair to me that I write this letter to you for your justifying.
Product: Payday loan, title loan, or personal loan

Today I entered a chat session with a XXXX rep to enquire about the balance on my account because no balance ever appears on the account. I was told that my balance was XXXX. So I made the XXXX payment and immediate was advised that my payoff would be XXXX. No explanation as to why I was told one amount and then added an additional amount once paid.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX  were never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. 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 in ( MONTHS REPORTING LATE ) 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, XXXX XXXX XXXX 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 1002 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit reporXXXX XXXX XXXX XXXX XXXX Balance : {$500.00XXXX XXXX XXXX XXXX XXXX Balance : {$500.00}
Product: Mortgage

Since 2010, I have been applying for homeowner assistance with my mortgage loan and my lender has been unwilling to assist, providing me with only canned decline responses after taking an inordinate amount of time to complete the review process. The initial review took over one year, and the most recent over six months. The bank seems determined to foreclose on my home and, therefore, has made no sincere effort to provide any assistance that would allow me to remain in my home, actively pursuing foreclosure the entire time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The philosophy of XXXX XXXX and LVNV seem to be that they allege you owe a debt and the consumer just deals with it or pays debts that are not theirs in order to finally have them removed from a XXXX XXXX XXXX. This is a direct violation of Federal Law 15 U.S.C. 1681. 

I also disputed the presence of XXXX XXXX XXXX being listed on my credit reporting file, I have not received documentation from either XXXX or XXXX XXXX XXXX as requested. I have requested signed documentation authorizing the original account be opened in my name and social security number. No documentation was ever provided by either company. I requested this in order to have the signature compared to years of my signatures to assist in prevention of identity theft and to ensure 100 % accuracy of my credit reporting file. 

I have attached a copy of my dispute letters and every tactic they have used to prevent correcting the bad information, up to and including their claim in one letter that they could not even locate my credit file, as you can see in my dispute letters, they were given their own information to identify my credit file. 

How can a credit reporting agency be trusted to ensure accuracy of the information they are reporting, when they can not even locate a consumer file with their own information and a copy of their own report included with each dispute?
Product: Credit card

Approximately XXXX to XXXX weeks ago, I called in to my XXXX Comenity card and wanted to know the total owed because I finally got a job and I wanted to pay the bill and I wanted to pay it off. I was given the amount of {$200.00} which I paid on XX/XX/XXXX, XXXX approximately a week after I made the payment I get a bill in the mail telling me I still owe {$35.00} and some change. I have called twice speaking to supervisors and they fight with me on the phone and end up hanging up with me telling me theyre going to continue to bill me for the rest of that money, and blame it on me and tell me that the bill is the right thing to look out not what the agent information was so theyre trying to blame it on me to get more money. Additionally, I got another notice today, threatening me and theyve closed my account stating I requested it. These are frustrating people and for some reason I feel like theyre breaking the law and trying to place their mistake on to me. Ive had trouble with them before on the Commenity XXXX and came here to consumer finance and they ended up opening the card back up Im tired of these wicked games. Im going to be XXXX in XXXX and I have limited funds, and Im waiting to go back to work
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 ( a ) : states I have to privacy.

15 U.S.C. 1681 section 604 ( a ) 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

My wife 's business XXXX card was put in my name. I paid it off and asked COMENITY pay for XXXX and XXXX XXXX to close the accounts. My bureaus have been frozen for years but instead of making a hard inquiry and getting rejected they allowed my wife to use my social and income without my permission. I paid them in full filed disputes with XXXX, XXXX and XXXX XXXX and they still allowed her to reopen it. I wasn't present, my name and signature was forged and I told them but they still haven't closed it.
Product: Mortgage

Your new servicer XXXX  is unwilling to investigate my complaint and is stating under RESPA and Regulation X they don't have to address a duplicate matter, but they have failed to resolve the matter. Furthermore, XXXX is instructing me to follow up with the former servicer, XXXX, but the last servicer is telling me to work with XXXX. 

I have provided the ACH information that was requested from my last CFPB complaint # XXXX and XXXX/Cross Country has failed to investigate the matter with XXXX, the third-party payment processor they use to collect electronic payments from XXXX XXXX  XXXX. Furthermore, XXXX is stating the XXXX XXXXXXXX XXXX ACH trace information provided is insufficient, but doesn't explain what additional details are still needed. 

The customer relations specialist handling my case has never returned my calls or my emails despite stating in her letter it is the best way to reach her. 

This continual lack of real customer support from Cross Country Mortgage is an attempt by the mortgage company to not refund the additional mortgage payments as I have worked to get the information requested from the bank.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX
Product: Payday loan

I have dealt with this company before. My paydays are on Thursdays. This is the date that I want it taken out. When I signed up for this loan they did not tell me they were going to take it out on Mondays till after I got the money. Now I am charged banking fees on top of the loan fees. 
Bank of XXXX, XXXX IL. charges XXXX for each charge that is in the negative I called them an told them this and they refuse to move the date
Product: Credit card or prepaid card

Its a Chase XXXX card. XXXX canceled my membership after they couldn't keep my reservation in Mi during my medical procedure. I had to reschedule procedure for 1week later and booked on the fly at a few hotels using points from new card and funds. Paying out of pocket. My accumulated points after procedure were taken and membership canceled. I had a XXXX event within 45days thereafter and have been in and out of hospital. Im XXXX and am being charged annually by XXXX for a membership i don't have and a point program which ive never received proper cash back or points for ( gas grocery travel bills ). Ive discussed this with Chase who say they can do nothing however i wish to be reimbursed the annual fee since it hasn't applied to me. Im XXXX XXXXXXXX member and have never been treated so poorly. This would be FRAUD against a XXXX person. Ive paid my bill and have never been late and paid above amount due. The balance is ALWAYS wrong on credit. I don't use card often, my daughter added my payments and use and feels the balance is lower and they're taking advantage. Please assist and address these issues. Its been stressful dealing with this, worrying about it. Thanks in advance
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX  XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 


I am demanding a deletion of the following account : XXXX  XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Title 15USC 1611 XXXXXXXX XXXX did deny me credit with my Social Security Number used in Application Process in this Consumer transaction discriminating against my unlimited full faith and credit.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to respond within the required 30-day timeframe as mandated by the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) .On XXXX XXXXXXXX I submitted a formal dispute regarding, 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 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 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  In accordance with which contains inaccurate and unverifiable information on my credit report. According to the FCRA, the credit reporting agency and/or the furnisher is required to complete an investigation and respond within 30 days. However, as of today, I have received no response. Since the required time frame has elapsed without proper verification, I demand the immediate deletion of the disputed account ( XXXX ) from my credit report, as failure to verify within the given timeframe means the information must be removed per FCRA 611 ( a ) ( 5 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX I am in receipt of a letter dated XX/XX/2023 from XXXX in response to my demand requesting removal of accounting details, transactions and experiences be removed from my consumer reports as well as remarks and comments that are injuring me as a consumer. Pursuant to Federal Law, ( 15 USC 1681 ( a ) ) and experiences are to be excluded from consumer reports and more importantly, proper disclosures are to be provided in a clear and conspicuous manner affording the Consumer opportunity to opt out of said consumer reporting all together. XXXX has not provided me any annual disclosures or opportunities to opt out of reporting or furnishing this information to any of the consumer reporting agencies. I am demanding XXXX provide me with proof they have provided me with any disclosures regarding my consumer right to opt out of their Customer Agreement. I was never given any clear and conspicuous instruction as to how I could exercise that non disclosure option in the first place. XXXX has assumed they have my expressed or implied permission to do so. That is not the case. Corporate policy does not supersede law. Failure to provide me with the proper disclosures is a violation of law and Consent is what makes the law. XXXX does not have my consent to report this information, nor have they provided any proof of authority to do so. A contract founded on a base and unlawful consideration is null. Every consent involves a submission, but a mere submission does not necessarily involve consent. I am in receipt of copies of the loan modification documents containing account information, however, it does not even contain the original source of funds being loaned out. It also does not provide any disclosure or reflect accurate information you are currently reporting to the credit agencies : Equifax, XXXX and XXXX. If XXXX can not provide this, then the debt can not be validated and you are legally and lawfully required to delete the account from my consumer report. Also, provide the contract and signed disclosure where I agreed for my nonpublic, personal information and/or transactions to be furnished on my consumer report. I am again asking for documentation where you provided me the option to Opt-out from such reporting. I have already asked for this information to be removed from my consumer reports ; as it is false and being reported without my consent. XXXX states : " they are reporting the loan correctly '' as evidenced on the first page of your response dated XXXX, XXXX, XXXX. Assumptions are not facts. Pursuant to : 15 USC 6801 ( B ) 3, 15 USC 6802, 15 USC 6803, 17 CFR 248.124, 17 CFR248.6 ( a ) 6, 17 CFR subsection 248.7 you are violating my consumer rights and breaking federal law.
Product: Mortgage

Mortgage company made an encoding error with my XXXX payment and only validated my check for only {$110.00} when I wrote in the line amount {$1100.00}. They called me on XX/XX/XXXX telling me I was late on my mortgage payment. So I made a payment over the phone with them for {$1000.00}. Which was paid via ACH, but on XX/XX/2020 they had debited my account another {$1000.00} for the encoding error that they promised was fixed with the payment made via telephone. I reached out to New Rez on XX/XX/XXXX with a Branch Manager from my bank and I was told it would be refunded back to my checking account in 7-10 business days. Nothing ever came about so I came back into my Bank to have another Manager help me contact New Rez on XX/XX/XXXX were told that the funds would be expedited and put back into my account next business day. Nothing was refunded, So I went back to my bank on XX/XX/XXXX and had another Branch Manager Call with me and he typed up a letter and faxed it to XXXX XXXX he assured the money would be put back into my account in 3-5 days along with {$630.00} worth of fees they owed me. I am not back at the bank on XX/XX/2020 and still have not received funds back. I am on social security with limited income and was without money for multiple weeks because of this mortgage companies errors. My manager advised me submitting a claim with the CFBP and for you to also check to make sure I was not reported late on my credit because of their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked equifax several times even sending them a fax as requested to shut down whatever MY Equifax is. I did not sign up for it, some one put a hold on my credit using thier service and has complete access to my information. The sent a letter by mail that there was nothing to cancel because i have no account. an emaili recieved today that had the following disclosure at the bottom " You are receiving this email because you have a myEquifax account. Please do not reply to this email. For help or support, contact the Equifax Consumer Care team at XXXX. Equifax Consumer Care is available between XXXX XXXX and XXXX  ( ET ), 7 days a week. Or, email us anytime at XXXX. 

They are intentionaly allowing someone to harrass me using my credit profile and refuse to shutit down.
Product: Mortgage

XXXX XXXX account XXXX NOW Truist account XXXX Paid XX/XX/XXXX mortgage statement to XXXX XXXX in full PLUS {$400.00} additional principal via XXXX checks via XXXX mail. Checks were never cashed. XXXX XXXX account shows I never paid XXXX statement. Not true. 

Received letter from Truist that Mortgage has been transferred to said company as of XX/XX/XXXX, nowaccount XXXX. Online account shows that XXXX payment has been made, but I still owe XXXX payment? Checks made out to XXXX XXXX not cashed. Where is the payment I remitted? 

I have never missed or had a late mortgage payment, clearly a problem with transfer process, HOURS OF MY TIME WASTED ON THIS. I can not afford to make another mortgage payment for XXXX only for the original checks to be somehow " found '' and cashed. I should not have to have a missed payment associated with my/my husbands account because of errors on the part of these XXXX companies.