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

My credit report is showing late payments to DISCOVER BANK XXXX and DISCOVER BANK XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DISCOVER BANK 's customer service representative.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts/Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your agency is in breach of the law! 
Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Product: Credit card

Complaint Summary : I am disputing a charge of {$1300.00} ( details : XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX for my stay from XX/XX/XXXX to XX/XX/year>. Despite significant hygiene issues, unprofessional management behavior, and my explicit refusal to sign the final bill, Chase denied my dispute on the basis that I stayed for three nights. I believe Chase failed to fairly review my dispute and violated principles of fair dispute resolution.

Details of the Issue : 1. Severe Hygiene Issues and Health Risks : -- -During my stay, I discovered XXXX  on the bed linens that were not replaced for two nights. This posed serious health concerns for me and the other two guests in my room. -- -Housekeeping also left a dirty cleaning cloth on the bathroom countertop, further demonstrating poor service and hygiene.

2. Refusal to Sign the Bill : -- -At check-out, I explicitly refused to sign the bill because I disagreed with the charges due to the unacceptable service and hygiene failures. This should have been a critical factor in my dispute, yet Chase dismissed it.

3. Unprofessional Handling by Hotel Management : -- -The hotel management attempted to coerce me into accepting insufficient compensation ( {$200.00} off ) under the threat of losing all discounts and being forced into a lengthy claims process. When I declined, the hotel only waived {$100.00} and ignored the severity of my concerns.

4. Chases Failure to Fairly Review My Case : -- -Chase denied my dispute solely on the basis that I stayed for three nights, ignoring the conditions that made my stay unacceptable. This approach failed to consider the evidence I provided and the significant distress caused by the hotels negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing XXXX XXXX loans on my credit report by XXXX. I submitted documents showing that these loans are dismissed due to a lawsuit and Needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, and over 30-60 days later I have not received a response yet.
Product: Debt collection

The consumer received correspondence of account closure XX/XX/year>. Consumer social security number was used for actual cash value to access consumers unlimited credit. The consumer under 42 USC 408 was violated. The consumer has information reported from Bank of America to a third party XXXX XXXX which denies consumer access to portion of unlimited credit.Consumer falls under 18 USC 8 in regards to said debt reported.Due to this reporting the consumer has been denied access to consumers portion of unlimited credit 15 USC 1611.
Product: Credit card or prepaid card

My company received an email alert from the "fraud protection alert" department of this credit card company. Asking if someone from our company made these transactions dated X/X/2017 at XXXX XXXX XXXX, Fl. My company responds "NO" to that email. We received another  "fraud protection alert" again we responded "NO". I called Customer Service explaining what had occurred. They blocked/canceled the fleet cards and reissued new ones. I was told to file a dispute online because customer service could not help me resolve this issue. I asked them to please document every phone call and to please put notes on the account regarding this issue with fraud. I filed a dispute on all charges made in Flordia. The credit card company approved the charges on the card ending in XXXX but did not approve the other charges on card ending in XXXX. Every time I called customer service they said the fraud department handles these issues and they could not resolve that issue. "you have to email them" I tried calling a number XXXX for two weeks no one ever answers that line. So I continue to email that department. The last response from them was that I check off the lost/stolen box on the form and because I check that box off the transaction were not fraudulent or counterfeit. I let them know that it was a mistake and that I had written an explanation in the box provide a detail about what had occurred. This department is not looking at the full details of this case. They are going about it based on a check mark on their form. That was checked and followed by an explanation as well. I have sent several emails with documentation and proof of everything that I have now two months later they are asking for the physical card to be returned that is they are not returned the charger will not be removed. I did everything that was in my power to notify them and explain what was happen we responded no to these charges and their company put a block as well. So how is it that we are liable for these charges just because I check a box and they are refusing to read the full detail of the whole case.
Product: Student loan

Trying to determine if my deceased husbands student loan which is in his name only can be discharged. His loan servicer was XXXX until two months ago transitioned to Mohela. Called Mohela and spent two hours waiting to talk to representative. Someone finally answered and I gave social security number and they have no record of it despite paying them for two months. Representative stated she would escalate the issue and placed me on hold again which no one ever answered after waiting another hour on hold. I still do not have an answer.
Product: Mortgage

In XXXX of 2019 my loan was sold to XXXX loan servicing by XXXX XXXX. Since being with this new servicer, the handling of my loan has been to say the least a disaster. I am in a HAMP incentive repayment program which was never handled correctly, and my loan payments have been misapplied. I was also advised by a supervisor in the United States that I could make a partial payment as there was money sitting in suspense that could be applied to principal. Other staff members of Rushmore took it upon themselves to reverse all this and to make a further disaster of my loan activity. Rushmore is now reporting me incorrectly 30 days late to the credit bureaus. I have tried more than multiple times to resolve this problem. Each time I call and speak with a supervisor I'm assured that I will have no negative credit reporting and that the problems are being fixed. They are not. The only person that tried to help me that is employed by Rushmore is a woman  named XXXX in XXXX customer service. She assured me to send a secured message to Rushmore asking them not to report me as incorrectly delinquent and yet they did it anyways.
Product: Debt collection

I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) due to concerns about their communication practices and the security of their unsubscribe process. 

On XX/XX/year>, at XXXX AM, I received an email from XXXX regarding an overdue payment of {$960.00} for account number XXXX. The email included a link to unsubscribe from future reminders. However, when I clicked on the unsubscribe link, I was redirected to a webpage that displayed a security warning indicating that the connection was not private and that the website might be attempting to steal my information. 

This raises serious concerns about the security and legitimacy of SSTs communication methods. As a consumer, I should be able to trust that any links provided in official communications are secure and do not pose a risk to my personal information. SSTs failure to ensure a safe unsubscribe process could potentially expose consumers to identity theft or other malicious activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

****Attention Credit Bureaus, XXXX XXXX has illegally violated my rights under the FCRA section 605 B by negligently reporting alleged fraud and identity theft debts per FCRA section 623 as the Data furnisher to you all. I have provided them the Data furnisher valid and active police report numbers to retrieve the required documentation from the XXXX XXXX police department which they have negligently failed to do so. Instead XXXX XXXX willingly reported this debt anyways to all 3 credit bureaus. I demand immediate removal of all reporting promptly due to these major violations under the real FCRA federal codes.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX , LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi thank you for allowing me to voice issues I am having with my credit report. Looking over my report there are negative accounts with no company name listed and other accounts with a name not known to me or anyone I know. The credit reporting agencies are listing random information on my credit file and care nothing about the accuracy. 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer is one of many violations for XXXX, Equifax, and XXXX.
Product: Payday loan, title loan, or personal loan

I took out an online loan due to financial crisis. I was advised by a financial counselor to investigate whether this loan is legal/valid, as online loans are illegal in MN and lenders need an XXXX # to do business in MN. They do show an NMLS # on their website, but question whether it's valid # XXXX. Upstart is financed through XXXX XXXX XXXX XXXX, which I have another online loan with ( XXXX XXXX  who has no XXXX  # ) both headquartered in XXXX XXXX XXXX, Utah. Guessing 1 or both loans are illegal/invalid??
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a 30-day late payment.

Misapplication of Payment : Payments for XXXX, XXXX and XX/XX/XXXX were sent and processed on time, but were not properly credited to my account due to an internal error by XXXX, leading t

o the incorrect reporting of 60-day and 90-day late payments. I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that all payments were made on time and within the contractual grace period. Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint.
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Out of all the XXXX credit reporting agencies XXXX has been the worst in keeping and accurately reporting my credit reports! They constantly report old outdated information which then gives me a reduced XXXX score? I will enclose my XXXX XXXX XXXXXXXX balance which is XXXX yet on your XXXX it still shows XXXX owed?? Also all my XXXX XXXX cards are all below 15 % credit utilization? It is not reflected accurately on my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX continues to file fraudulent inquiries on my credit report. I written a letter to the company directly informing them to stop reporting unauthorized inquires on my credit report and that it was against the law to do so. I have not gotten a replied to the certified letter that was mailed direct to XXXX XXXX XXXX here located in XXXX, Georgia. XXXX  XXXX XXXX has violated the law just recently again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. This has been a unwarranted pattern and something needs to be done. This behavior is and has affected my credit with hard hits and negative blemishes. I am also filing a report on all levels because they are breaking the law.
Product: Debt collection

I am XXXX military and have been for XXXX years. In XX/XX/XXXX, I received XXXX, at which time, I had canceled various services to which I had at my home. One of these services, was a home security system. I submitted a copy of my XXXX as I had done with other services I terminated to no issues from the company. Around XXXX years later in XX/XX/XXXX, I started to receive outstanding debt notices from this company stating I owed {$1100.00}. I explained my situation and that I had previously resolved this matter prior to moving. The individual apologized and said they would take care of it. I heard nothing back until XX/XX/XXXX. I had again received XXXX. While in XXXX, my wife was back in the states buying a home for us in the next state we would be living in. It was at this time, we discovered the security system company had reported the debt to the credit bureaus. Before we could purchase the home, we had to have these issues resolved. I presented my case and the items were removed from my credit reports. It is now XX/XX/XXXX and this year, I have received multiple calls from XXXX different collection agencies all referencing this particular debt. Each time I request to have a bill mailed to me, the debt is sold to another agency and the process starts all over again. I have contacted the original debtor and they claim they have nothing further to do with this debt as it was sold off to collection agencies.
Product: Checking or savings account

So Ive been trying to open a bank account, most banks told me that they require a proof of address which was holding me back because I live with my parents. Us Bank told me that I didnt need one to open an account. That was until I opened an account and cashed my payroll check. I was told I would get XXXX $ of the check instantly, and the rest would clear in 5 days, they gave me a temporary card and I thought I was satisfied with my experience at us bank. That was until about 24 hours went by and they put a hold on my account, apparently I need a proof of address, that was never once disclosed to me in person. I was told after they had my money. So far no one at the us bank branch in XXXX has been able to help at all .theyre just holding my money hostage after lying to me. It obvious that this is a scam they run often because they wont send me anything about the hold on my account, they only tell me in person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX  PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX DEPT OF EDUCATION/XXXX PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX  PARTIAL ACCT # XXXX SOCIAL SECURITY ADMIN ACCT # XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ( XXXX Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XXXX XXXX  responded with a document showing that they NEVER received payment from me sinceXX/XX/XXXX ( please see attached document showing them saying I never paid ).

I have made payments to XXXX in XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX ( Please see attached documentation as proof ).

Furthermore, the noted on my credit reports that the account was closed in XX/XX/XXXX, when the account was closed inXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access. 
XXXX. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Credit card or prepaid card

AMEX reversed $ XXXX of credits that were earned, so with no explanation. I called in about it, was told back office did it, but they did not leave any notes. 

This is a massive theft of legitimately earned cash back. 

I have attached the downloaded statement showing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Please Delete the following numbers, I am no longer associated with them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX