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

Equifax has made it impossible to log in and dispute inaccuracies on my credit report. The website system is at fault. It ca n't locate me, even with the extensive list of information the made me confirm, the website still has problems and ca n't find me. It tells me the information does n't match. I assure you, the information provided is accurate. If it does n't match, it is due to inaccuracies in THEIR bookkeeping. They are essentially using poorly maintained technical mechanics on their website, to prevent me from disputing inaccuracies. How ever convenient for them. Yes infuriating for me. I need CFPB to get someone from Equifax ( and I mean XXXX XXXX NOT the terrible XXXX based customer service people they employ. These people are useless beyond measure. I need a high level manager at Equifax to CALL ME. Leave a message with a return number in case they end up leaving a message. I want to talk to someone HIGH UP in their organization who can make things happen, so that I can successfully log into my account, pull up my report, and file a dispute. At present, due to website glitches, I ca n't do any of this. I DEMAND a sr manager in credit reporting and inaccuracies to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! My two student loans that I have with XXXX XXXX XXXX are currently reporting incorrect information to all three credit bureaus ( Transunion, XXXX  & XXXX  ). On XX/XX/XXXX ; I took a settlement offer for {$7500.00} with XXXX but through their " sister company '' XXXX XXXX XXXX. That settlement agreement was to pay {$300.00} over a course of 24 months ; which I've been making monthly payments every month. 
XXXX XXXX XXXX is reporting my account as charged off, past due, & showing/reporting that I'm not making payments at all. XXXX still owns my account & is reporting this incorrect information monthly. I have disputed it with all three credit bureaus agencies ( Transunion, XXXX  & XXXX ) for the 3rd time as of XX/XX/XXXX with supporting documentation. If this comes back for a 3rd time, that XXXX states " information is correct '', the credit bureaus will be investigating it as " fraudulent reporting ''. I have contacted XXXX  on XX/XX/XXXX & spoke with a lady named XXXX, agent ID # XXXX ; she was very rude and made it very clear that XXXX would not report that information correctly. XXXX ( XXXX Employee ) admitted that they've received payments every month & my current balance showing is {$6700.00}. I explained to her that this was not right but she didn't care. 
I've been working with my financial advisor & mortgage lender ; they recommended reaching out to the Fair Credit Reporting Act because this is causing my credit report to look extremely bad & causing my credit score to be lower every month.

At this point, I need help getting this issue resolved and at least reporting the correct information.

Thanks!
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally dispute the presence of certain charge-off accounts on my credit report. These accounts, although previously marked as charged-off, have since been paid in full, and I kindly request their prompt removal from my credit reports. 

XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by XXXX XXXX XXXX. While checking my credit report, it came to my notice that XXXX XXXX XXXX has furnished an account ACCOUNT # XXXX ACCOUNT # XXXX on my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the XXXX major XXXX XXXX, XXXX, and Equifax. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by XXXX XXXX XXXX will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and Equifax. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, Equifax, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT # XXXX -ACCOUNT # XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or XXXX XXXX XXXX, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. If you do not cease communication, I will escalate the matter to a Federal Complaint. Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not reporting the proper amount of available credit on my credit report. They are missing credit cards, loans and the length of credit history is also wrong as is the amount of available credit and total number of accounts. I have Two XXXX XXXX cards and only one is being reported on my credit report, I also have loans that are not being reported on my credit report as well. This time I will include proof instead of just typing a complaint as Equifax did not even read my last complaint and you closed the case without my issue being addressed. How this company stays in business is beyond me. They probably run these complaints through E-Oscar looking for key words because whoever responded to my last complaint, did not read it and/or lacks reading comprehension skills. How can XXXX XXXX and XXXX have the correct account information but Equifax have everything wrong??? If I have to sue them in court, I will. Attached is a copy of XXXX XXXX, XXXX and Equifax 's overview of my credit reports. You can see the enormous discrepancy Equifax compared to XXXX XXXX and XXXX. XXXX and XXXX XXXX are reporting correctly as Equifax is not at all, on anything!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

ive been in contact with XXXX XXXX  in regards to a public record on my credit report. XXXX XXXX made a dispute on my behalf on XX/XX/2022 dispute # ( XXXX ) to transunion XXXX, and XXXX and with no reply stating they have no record of a public record bankruptcy on my credit report they never replied 30 days has exceeded from first dispute. after awaiting the resolution of the dispute i called back XX/XX/XXXX and filled a second dispute ( XXXX ) still after 5 days no reply today XX/XX/XXXX i personally also filled a dispute and asked about prior dispute on my behalf they claim to never received a dispute. ive also filled a dispute before they claim they receive information form XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a Identity theft report and haven't received any response from the credit bureaus. These accounts are hurting my ability to purchase a home
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment regarding the unresolved issue of fraudulent items. 

The presence of these fraudulent items not only undermines my financial security but also erodes my trust in your company 's ability to safeguard my interests as a customer. Furthermore, the lack of resolution has caused me significant stress, inconvenience, and potential financial losses. 

Therefore, I demand immediate and effective action to rectify this matter. Specifically, I request the following : A thorough investigation into the root cause of these fraudulent activities and a transparent explanation of the steps being taken to prevent similar occurrences in the future. 
Compensation for any financial losses, damages, or inconvenience incurred as a result of the presence of these fraudulent items on my account. 
Assurance of enhanced security measures and proactive monitoring to prevent future instances of fraud. With this, I am asking for your assistance to remove these accounts fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with those creditors was 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 those account 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.

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: Debt collection

I have provided proof with XXXX, XXXX. And XXXX in dispute to this account. XXXX who is now under investigation with the CFPB who has failed to accurately report accounts are now being sued. I have reached out to them and advised I am joining the suit as they have allowed improper channels of reporting and inaccurate reporting. So, now I am seeking legal compensation from them and will seek additionally legal compensation from Eastern Account. I have sent a certified mail to cease and desist and I have received attempts since. They are to immediately remove this from my account or face the ramifications of their actions. I have never done business with your company and you have no legal right to report to my credit.
Product: Credit card or prepaid card

I opened an XXXX  XXXX XXXX XXXX through Barclays in XX/XX/XXXX ( approved on XX/XX/XXXX ). I made some intitial purchases and logged into the online account management system. A week or 2 later, I attempted to set up and schedule my first payment. It asked numerous questions, I assume to confirm my identity, but I was unable to recall all the cars I've owned in the last XXXX yrs apparently, and it locked me out of my online account. I called the number it showed and was placed on hold for over 30 min. I called a different day/time, same thing. I did this multiple times, waiting over 3 hrs cumulatively on hold. I finally called different numbers and pressed 0 a lot, and was able to reach someone, they said they were unable to help me. I said I simply wanted to make my payment, they stated they could not process that, and I'd have to wait on hold for the online security department. They placed me on hold for over 30 min. Since then, I have tried calling multiple times, all to no avail. They can't have someone call me back. There is no way to email. So, I've sent a letter, by regular USPS to their complaint department. 
I don't know what else to do. I typically pay my balances in full each month and just want to pay my bill. It is now past due, and I'm sure they are charging fees and interest. 
I was able to reach someone today and she said the same thing. They can't help me or process my payment, she said she couldn't even closed my account when I asked for that today! She placed me on hold again for the security department - I waited over 30 min again. I'm a XXXX  and have kids, I don't have time for this. I just want to pay my bill and get into the account moving forward or close it and no one there will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that there are unauthorized inquiries reporting fruadulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to consuct these inquiries without my permission or knowledge. The following inqquiries were incurred due to fraudulent charges, which means I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS INQUIRIES : EXPERIAN : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX ) in the ( BALANCE ) & ( PAYMENT STATUS ) section. XXXX is reporting a balance of {$7600.00} with a derogatory payment status, XXXX is reporting a balance of XXXX with a current payment status and, XXXX is reporting a balance of {$7200.00} with not applicable as the payment status now all three of these balances can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied approval for a rental agreement because of miss-information present on my TransUnion credit report regarding all my student loans with XXXX. 

It is stating " Payment Deferred, Collateral : Deferred to XXXX '', showing on 8 different Student Loans managed through XXXX  " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}
Product: Debt collection

For the past month I receive a robo call every evening between XXXX and XXXX. I have recordings of it. XXXX XXXX XXXX. For a few weeks the call came from XXXX. Lately it's from XXXX. Last night it came from XXXX. It's 27 seconds in length. It instructs me to call XXXX. 

I have no debts. I owe no one. I am XXXX and retired. 

I am on the Do Not Call. I am tired of getting this call every day. I have exceeded my blocking capacity.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was 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 those account to be updated.

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 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 or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Debt collection

I have voice mails and threats to deliver documents to me to take me to court. Left on my house phone and cell phone. Called the companies they say they are collecting from and that these companies tell me they have never heard from them. 

The XXXX numbers they are calling are XXXX ( registered with XXXX XXXX, XXXX - MO XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute a car loan account associated with my name, specifically account number [ XXXX ] in the amount of {$30000.00}. Date opened, XX/XX/year> due tq identity theft. I have recently discovered that this loan was fruadulemtly opened in my name without my authorization. Additionally, i have not signed a promissory note or any other documentation related to this loan. 

As a victim of identity theft, i am exercising my right under The Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practice Act ( FDCPA ) and The Identity Theft and Assumption Deterrence Act ( ITADA ). these laws protect individuals against fruadulent activities and incorrect credit reporting. Specifically, these statues entitle me to dispute unauthorized accounts and demand the removal of such fruadulent entries from my credit report.
Product: Credit card

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Product: Debt or credit management

Tried contacting them regarding my debt accounts becuase 1. Didn't resolved any of my pending accounts even after paying them monthly 2. They suddenly closed their business without a warning or notification, as I gave tried calling & they state on the machine that they are officially closed. 

What the hell?! I have been with them since XXXX trying to resolved & consolidate my debts. None of my loans were getting paid as I have called the companies this month XX/XX/XXXX directly & I still have outstanding balances with all the debts. So you're telling me I have been paying Elite every month & they are keeping it all??? This is a total scam!!!
Product: Debt collection

See attatched usaa bill. This is not mine. Card XXXX. XXXX. Please usaa, provide verifiable documentation of the activation on this creditcard. 
This is not mine.