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

I have an Dept of EdXXXX account that was opened on XX/XX/XXXX thats reporting 2 late payments. I have disputed the late payments with the 3 credit bureaus on the basis of reporting inaccurate information. Each time the 3 credit bureaus stated that the Dept of EdXXXX verified the late payments as accurate. I received a email from Dept of EdXXXX on XX/XX/XXXX. It states that ; this is a reminder that your current 12- month Income-Driven Repayment ( IDR ) period will expire soon. How are the late payments accurate if I was on a 12 month IDR plan? I am uploading my email and a screenshot from XXXX XXXX of the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX an unknown company reported a collection on my account. I disputed this on XX/XX/XXXX with XXXX  XX/XX/XXXX with XXXX, and XX/XX/XXXX with Transunion. 

After some research, I determined the account was related to an old account from XXXX. It was an old electricity bill that I never received when I moved. I was made aware of it in XXXX, paid it immediately as agreed, and obtained a release of debt from the original creditor / agency XXXX XXXX XXXX / XXXX XXXX ). At that time in XXXX I disputed the charges, provided my release of debt letter, and it was removed from my reports with all 3 bureaus.

Providing the release of debt letter this time around, resulted in only 1 of 3 bureaus removing the information ( XXXX removed it but the others did not ). Not only is the debt more than 6 years old ( possibly past the statute of limitations ) and already settled and paid as agreed, abut the 2 agencies in question are reporting it as a new collection with a date of XX/XX/XXXX. 

Recently, I applied for a mortgage and noticed my scores with Transunion and XXXX are over 100 points worse than my scores with XXXX. This error on their part is costing me significant money in addition to the time I've spent and frustration I've felt in dealing with this error. 

Transunion doesn't even have a way to dispute the item, when I log into their system it doesn't show up as an item that can be disputed. I had to dispute it thru XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts for multiple inaccuracies and requested multiple times from the credit bureaus to provide me with all method of verification which they never responded or provided. I want these accounts removed as they should be in correlation with FCRA. They are required to provide 100 % accurate information and submit all methods of verification which they failed to do. 

1. XXXX XXXX  - XXXX PAYMENT STATUS - COLLECTION, LATE 120 DAYS, COLLECTION DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

2. XXXX XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

3. XXXX  - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 4. XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 5. XXXX XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

6. XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 7. XXXX/XXXX  - XXXX REPORTING A COLLECTION/CHARGE-OFF BUT STILL REFLECTING A BALANCE OF {$1100.00}. 
DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  REMOVE DUE TO INACCURATE REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

Ifiled Bankruptcy in XX/XX/XXXX, was XXXX in XX/XX/XXXX. XXXX and XXXX still show the following : 1. XXXX as past due and in Collection. XXXX was Part of my Discharge 2.XXXX As past due and in Collection. XXXX was part of my Discharge 3.Sterling Jewerly as past due and in Collection. Sterling was Part of my Discharge 4. XXXX does not have my Bankruptcy as a public Record 5. XXXX account and XXXX acct i was only Authorized User, and Should be Removed from my Profile
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today X/XX/2017 equifax has updated 2 closed account without a 5 day notice and to make it worse they are not mine and need to be removed because it is effecting my credit! I have sent out notice before and they keep udating inaccurate i formation and not making aware of what they are doing. XXXX XXXX and XXXX XXXX XXXX and trust were closed because they werw not mine! I want valadation of these with my signature. Which will be none and then promptly delete.
Product: Debt collection

XXXX, XXXX and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as USAA, XXXX AND ALL COLLECTIONS. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fl XXXX
Product: Mortgage

On XX/XX/2016, I called into Chase Mortgage customer service department and did not request that ACH be stopped. I called on this date to change ACH banking info. and upon completion of call everything was setup over the phone. Chase has repeatedly denied the above and I'm seeking counsel on this matter.
Product: Credit reporting or other personal consumer reports

Im disputing these accounts from my Experian credit report by the name of XXXX XXXX  and XXXX XXXX on my credit report, as reported by Experian. These accounts are in violation including Experian of 15 USC 1681i section 5, as Experian has allowed these unidentified accounts willing to be reported on my credit without verifiable documentation or any written, signed contract agreement demonstrating my ownership of debt to these accounts. Which will be considered fraud to me not knowing how these account obtain my personal information without my consent. This failure from Experian to verify ownership is a direct violation of 15 USC 1681B ( a ) ( 2 ). 

Experian 's actions have damaged my credit credibility, making it difficult to obtain credit with certain lenders. I have documented proof through the Consumer Financial Protection Bureau ( CFPB ) that I have previously requested information regarding these accounts and have lodged numerous complaints in writing, via certified mail, directly to Experian. Despite these efforts, Experian has neglected my consumer rights by allowing these accounts to remain on my credit report. 

I demand the immediate removal of these accounts from my credit report. If Experian continues to neglect this matter, I will have no choice but to seek legal counsel to address this issue. 



Remember to include any supporting documentation and send the letter via certified mail to ensure it's received and documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$9700.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I w

as never late on the account and they need to reference the Care Act 2020 for this account as well. Please provide the method if verification and all the parties involved with names, phones, e-mail ; dates, bank transactions etc ... Please proof I was late on this as account it reporting different on all three credit agencies. 

XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

My mortgage was sold to Bayview Loan Servicing from XXXX XXXX. Everything regarding my loan remained the same ( payment, etc. ). I made XXXX payments of my original amount to Bayview for the months of XXXX and XXXX 2015. In XX/XX/XXXX, my payment increased from XXXX to XXXX. I was told this was because they added escrow. When I was with XXXX XXXX, I did not pay escrow because we were responsible for our own taxes and insurance. Bayview paid the escrow on my property and that is why my payment went up. I called and was instructed by them to send them a letter stating that we were responsible for escrow payments and they would restore my payment to its original amount. We paid {$1500.00} for our mortgage in XX/XX/XXXX because it was the end of the month. I mailed a certified letter to Bayview regarding my escrow and taxes and was told that it would take XXXX days to process. When I called after the XXXX day, I was told that it would take XXXX days, so my payment would go back to its original amount on XXXX XXXX. I was also told that they had received my paperwork. It is now XXXX XXXX. I called Bayview to make my payment ( late fees were waived ). The payment has not changed. We are now being informed that they will not remove the escrow because we were a day late paying our taxes. Bayview is not abiding by the original terms of my loan. I do n't understand this. We have not been delinquent in paying our taxes or our insurance. My mortgage payment has now doubled which is putting me and my family in a financial hardship. All we are asking is that our payment return to the original amount. We have the funds to pay Bayview back for the escrow that they paid. We had it the whole time. We need your assistance immediately!!!! Thank you. I was just informed that their systems went down and that I could no longer speak to anyone there. I would have to call back and speak to someone else. I have explained this situation to so many people over and over again.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Early Warning 's Risk Solutions, detailing their egregious violations of my rights under the Gramm-Leach-Bliley Act ( 15 USC 6802-6805 ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. These violations have resulted in severe hardships and emotional distress for me.

Under the Gramm-Leach-Bliley Act, financial institutions, including Early Warning, are mandated to safeguard nonpublic personal information. Regrettably, I have experienced a blatant disregard for this obligation, causing a breach of my privacy rights and the mishandling of my personal information.

In addition to the GLBA and FCRA, the Privacy Act of 1974 sets forth strict guidelines for federal agencies regarding the collection, maintenance, use, and dissemination of personal information. Early Warning 's Risk Solutions has egregiously neglected to adhere to these standards, contributing to the distressing situation I find myself in.

I assertively and specifically outline the following instances of violation : Failure to Safeguard Personal Information : Early Warning has failed to adhere to the Gramm-Leach-Bliley Act, leading to the unauthorized use and sharing of my nonpublic personal information, directly violating my privacy rights. 

Lack of Transparency : Despite my rights under the Privacy Act of 1974, Early Warning has not provided the necessary transparency in the collection, maintenance, and sharing of my personal information, leading to an unacceptable lack of control over my own data. 

Third-Party Marketing and Promotional Activities : Early Warning 's involvement in third-party marketing or promotional activities without my explicit consent is a clear violation of my rights, causing unwarranted distress and inconvenience.

The aforementioned violations have resulted in tangible hardships, including financial repercussions and emotional distress, impacting my overall well-being. I have taken steps to formally request an opt-out of these practices from Early Warning, but their non-compliance exacerbates the situation.

I am seeking your intervention and assistance in rectifying these violations, ensuring that Early Warning is held accountable for their actions. I request a thorough investigation into the matter, appropriate sanctions against Early Warning if deemed necessary, and guidance on how to mitigate the damages caused by these violations.

Your immediate attention to this matter is crucial in alleviating the ongoing distress and securing my rights to privacy and data protection.

Thank you for your prompt consideration.
Product: Debt or credit management

Equalfax stated that I could obtain a credit card, With a certain score then to come out my score isn't what they say it is. Then upon following Equifax statements I applied for auto loan come to find out my credit score was way lower than when I attempted to follow equal faxes direction
Product: Credit card or prepaid card

I called each of the past two months asking for forbearance on my credit card account due to an abnormally large minimum payment ( $ 1000+ ) and recent job loss. I was lead to believe that I was issued a payment plan by the representative on the phone, but in reality, only scheduled payments that could not be cancelled in an amount less than the true minimum were created and no forbearance options offered. 

I was still charged a late fee, was still marked as 30+ days late on my credit report, and was not warned of this in advance of these consequences in any way, even when verbally asked if I would be reported 30+ days late to the representative. 

I want to keep this account and am committed to paying it down, but Chase 's unwillingness to give any assistance has left me with my first ever late payments and a crushed budget.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter out on XX/XX/2022, XX/XX/2022 to Experian, XXXX, and XXXX. Here is my tracking numberXXXX, XXXX, XXXX, XXXX, XXXX, XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to.

How did they complete this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Therefore, without giving me the opportunity to opt out, your institution furnished nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and Experian ). This is a blatant violation and infringement of my consumer and privacy rights but you have also violated multiple Federal Laws as you are intentionally withholding consumer rights information from borrowers by not providing an " opt out '' clause or opportunity in the same agreement. Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications to any non-affiliated third party including Consumer Reporting Agency. regarding " LATE PAYMENTS '' Regarding XXXX XXXX  # XXXX The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA and FDCPA. If you do not cease communication I will escalate the matter to a Federal Complaint. Any further contact regarding LATE PAYMENTS by youXXXX XXXX XXXX XXXX XXXXXXXX your Agent or any affiliated party to non-affiliated third parties except a communication, confirming your acknowledgment of this letter within 7 days of receiving this notice, is in violation of my Federally Protected Consumer Rights. I would also like to further clarify that I am writing on my own behalf as an educated consumer and have not hired or outsourced this correspondence to a lawyer, credit repair service or any individual. Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged LATE PAYMENTS. Please do not provide me with statements, payment history, or any other specific details pertaining to the account. This cease and desists only gives you consent to remove. LATE PAYMENTS and is not consenting you to REMOVE, DELETE or SUPPRESS the entire account information from my credit report. You are to only delete and remove ALL LATE PAYMENTS. Any other action taken outside of the stipulations outlined in this letter will e viewed as an ADVERSE ACTION and will constitute further violations of my consumer and privacy rights. I also require that this letter is to be read by a human being that is qualified, trained and equipped to provide an appropriate response. Task that you respect my consumer rights.
Product: Money transfer, virtual currency, or money service

Well Fargo wouldnt let me go back to the date of incident, the amount was XXXX $ for a purchase of a puppy for my wife, we did file a complaint and claim to well Fargo but as the company say once u send the money there no way you can get it back.
Product: Credit card

XX/XX/year> I called XXXX XXXX XXXX on a medical debt ( XXXX ). My doctor 's office ( XXXX XXXX XXXX XXXX ) uses this company to collect. 

While making a payment, the person repeated all details of my credit card number/date/etc. back to me verbally on a recorded call with no other apparent security in place. This is not compliant with PCI rules and regulations. I wanted to make you aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. My cellular phone was hacked, someone accessed my online accounts and these fraudulent inquiries were made. I contacted the police department and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


2. The inquiry was not authorized XXXX XXXX Date of XXXX : XX/XX/2022 Please remove it from my credit report. 


Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX to have these addresses deleted have disputed these addresses by way of web/app and I have also called on XXXX different dates for the removal of them they assured they would be removed in XXXX hours they however were never deleted These addresses are being reported and are not accurate. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX 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 I demand that they are removed
Product: Credit reporting or other personal consumer reports

Despite my previous disputes Experian has failed to conduct a proper investiongation. I am aware that Consumer Financial Protection Bureau ( CFPB ) is suing XXXX for failing to conduct proper investigations, which directly relates to my situation. 15 U.S.C. 1681 are requires to conduct a reinvestigation of disputed information. 

15 U.S.C. 1681e ( b ) mandates that Experianensures accuracy of my information on my credit report. The failure to properly investigate my dispute and correct these inaccuracies is a clear violation of federal law.
Product: Debt collection

I was notified my credit report had negative activity. Upon looking at the XXXX report I saw a debt listed from Enhanced Recovery which was originally an XXXX XXXX XXXX account. I do not have any business with XXXX XXXX XXXX This is the third time this has happened due to an XXXX XXXX XXXX  error.. Earlier this year it happened to be for someone with an address in a different town. I have spent entirely too many hours of my life trying to correct errors made by XXXX XXXX XXXX due to their failure to confirm identities.
Product: Credit card or prepaid card

This account appears to have been opened up fraudulently.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Hello, I did not authorize or even recognize this inquiry on my Equifax account. I do not have and account with the company so please remove this inquiry from my account. Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX