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

XX/XX/2023 On XX/XX/2023, I personally called all three credit bureaus fraud departments to request that each agency verify and investigate each collections that they are reporting and remove all late payments, charge-offs, past due, closed accounts from the collections that are reported on my report. I also requested that all hard and soft unauthorized inquiries, all old addresses, employment and phone numbers that are not associated with me and my present life. To no avail! The Fair Credit Reporting Act also says that all three agencies reporting be consistent and accurate evenly across the report for each account that is reported on or about an consumer in which there are several reporting discrepancies that they have put on my account in regards to the collections account attached to the reports. EQUIFAX, XXXX, and XXXX have not fulled their duties as consumer credit reporting agencies per the Fair Credit Reporting Act and Code of Federal Regulations. 

In accordance with the Fair Credit Reporting Act these creditors ( Equifax, XXXX, XXXX ) have violated my rights under 15 U.S.C 1681 section 602, states that I have a right to privacy. 15 U.S.C 1681 section 604, 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666-B a creditor may not treat a payment on a consumer credit account under a open end consumer credit plan as late for any reason on a collection.
Product: Credit card or prepaid card

There is a credit balance on my Zales account issued by Comenity Bank, an overpayment in the amount {$20.00}. Requests were made to refund this amount, reps refused to refund, claim they are unable to do so, due to a prior refund sent via check in amount {$900.00}, claim they need to wait for check to clear. Previously, I requested this amount, {$900.00}, refunded via ACH deposit, request denied. The current credit amount, {$20.00} has nothing to do with prior refund check, should be refunded ASAP, no reason to hold it. Further, had prior refund sent via ACH instead of check, there would be no reason to hold current credit amount.
Product: Checking or savings account

NFCU continues to redirect accounts that they deem to be " delinquent '' to a different page or access site which makes navigating to your normal account page more difficult. These accounts which are past due are not even 30 days late and includes an actual account meant for overdraft and for which they are being compensated for each time in overdraft fee 's. I will attch screen shots of the " normal '' page and the one with account restrictions. The settlement in XXXX was supposed to prevent them from doing this and in all the years I have been banking have never been subject to this humiliating and unnecessary tactic. Additionally, NFCU sends by certified mail, letters addressing a delinquency on your mortgage a week before it is even 30 days late. That notice threatens foreclosure and some options you may take advantage of. Being XXXX and low income does not mean not knowing when your mortgage is paid late but my mortgage is always paid before it is 30 days late and the amount of mail NFCU sends is wasteful and unnecessary. They have harassed me every single month unless it is paid on the XXXX and I am already suffering from XXXX  XXXX   without them making it worse. Additionally, a prior complaint about their reporting practices was successful in NFCU stating that the late payment would be deleted from the credit bureaus. I made the complaint in XXXX and as of today, XX/XX/XXXX several credit bureaus have received NOTHING from NFCU to that effect. They have failed to notify the bureaus of their promise to correct that and delete it. NFCU is causing me irreparable harm to my scores and has done so for a long time and now during this crisis I need to be able to access credit and unable to do so because of their reporting alate payment on me.
Product: Debt collection

I am writing to formally dispute the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I request that you provide written validation of this debt, including : 1. The original creditors name and address.

2. The full amount of the debt, including any fees or interest added.

3. Proof that you are legally authorized to collect this debt.

4. A copy of the signed agreement or contract proving that I am responsible for this debt.

If you are unable to provide the requested validation, I request that you immediately cease all collection activities and remove this debt from my credit report as required by law. 
Sent on XX/XX/year>2024 Alleged amount {$540.00}
Product: Debt collection

A credit card I had went to collections and I paid the credit card directly to the credit card company. This happened several years ago. A year ago I received a notice from Gurstel Chargo that I was going to be sued over the debt in XXXX County and they sent me some questions in a legal document. I responded, explaining I had paid the debt and asked them for proof of the debt, as I believed I had completely paid off the debt. I hand delivered the response, so I know they received it. I heard nothing for eleven months. Then I get a letter saying they were asking for summary judgment, since I did n't respond to their request for " interrogatories '', which I had never received. Their interrogatories were to have been answered within 30 days, and if I did n't, the debt was admitted to. They made no attempt to actually show that I owed to the debt. I believe they never even mailed me the interrogatories. This was just a way to avoid to have to prove the debt, a way to avoid the burden of proof of the debt. I answered their letter, explaining just this, saying I thought this was misconduct on part of Gurstel Chargo and requesting summary judgment because of attorney misconduct. I tried to hand deliver this to them, they did n't want to accept this letter, but eventually did. In response, they sent me a letter asking me to send them the settlement papers showing the settlement terms and payment proof when I paid the debt. I once again, sent them a registered letter explaining I had paid the debt directly to the credit card company. Gurstel Chargo has made XXXX attempts to switch the burden of proof of debt to me rather than actually prove the debt. They have had my request to prove the debt for over a year and I have received nothing from them. I believe they never mailed the interrogatories to me in attempt to get an " admission '' without having to prove anything. I think this is probably not the first time they have attempted this. When the paralegal was reading my letter accusing them of such, she did not want to accept the letter and was very upset with it.
Product: Credit reporting, credit repair services, 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. Here are the list of items that needs attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$15000.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX  XXXX Balance : {$15000.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX Bankruptcy Reference # : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

This is not a new case. this is an error of correction on my part. The Claim this should be amended to is # XXXX, Bank of America had called me on Thursday in reference to the phone call on XXXX XXXX. I mistakenly kept given her the old names of XXXX XXXX XXXX because that was the files I was going through when the phone distracted me. due to my error of stating the wrong name in which bank of America use to be before it became Bank of America and that was XXXX XXXX  and nations bank. I also had an account with nation bank and made a {$1000.00} Deposit which I never got back because they closed their XXXX XXXX XXXX down in XXXX New Jersey. again, the Bank of America XXXX XXXX and Nationsbank. Thank You. 
for amending and placing the correct information on my claim from the previous phone call from Bank of America. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm victim of identity Theft, I have filed report with FTC as well as a Police Report in my community, I have sent to Equifax disputing letters like 4 times, they still denied removing one of accounts that been opened by fraud. ONLY EQUIFAX has reported this account and keep saying to me like this account has been verified. HOW?? If two other Credit Bureaus removed this account and Equifax has been verified. From my last letter that I mailed to them in XX/XX/XXXX they didn't even responded. All my mails been sent with certified mail and return receipt. I can have all proof of violation my rights. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
Therefore, my position is being clearly stated, this account do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that this in inaccurate account information means that you, this credit-reporting agency, are reporting incorrect account. 


I'm willing to explode all my rights and send all information to Attorney General.
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card - Opened on - XXXX Late Payment - XXXX Still reporting as 30 day late, derogatory reports are supposed to fall off after 7 years, having trouble disputing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I utilize XXXX  to stay updated with my credit score. Recently two reports have been listed in my XXXX  and transunion reports, the reports are from " medical bills ''. One dates back to XX/XX/XXXX and I was unaware of the bill until it became a " collections '' derogatory mark in my credit report XX/XX/XXXX. The other I have reported and requested removed. I've requested for information ( statements / proof of bills from these collection agencies ) from both XXXX  and transunion, which have not been provided. These companies continue to display negative information without " proof '', that is false. Wouldn't this be considered a " hipaa violation '' if my medical bills, or an itemized statement has been submitted to them without my consent for review? These two agencies have ignored my request to remove derogatory false information from my credit report. XXXX has also displayed a medical bill as negative but it was paid. The account was satisfied and paid without going to collections but its still showing in my report, how is this even legal. I have to constantly submit disputes and my disputes are always denied and the information is found to be correct? how can they determine this without proof? I pay all of my bills on time, with the exception of one late payment and it was in XXXX!. The same goes for a report with XXXX XXXX ( my car loan ) they have what's called " skip a payment '' ( due to the pandemic ) these agencies listed I have not followed the payment agreement but also state I pay on time they have the same information on some of my credit cards because I make multiple payments prior to the payment due date. This information is false and inaccurate it hurts my credit, and I pay all of my bills on time. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX it was reported that an late payment occurred on my XXXX XXXX  account from XX/XX/XXXX. I called XXXX XXXX and was advised to reach out to all three ( 3 ) credit bureaus XXXX, Equifax and XXXX. After reaching out to the credit bureaus, asking them to investigate I would only receive auto generated response stating my account was updated. No investigation was performed, no validation of my account being past due NOTHING. Just auto generated response. Attached is my bank statement, reflecting payment being made through XXXX XXXX on XX/XX/XXXX in the amount of {$430.00}. My due date was the XXXX of each month occurring late charges after the XXXX. Account past 30 days would be AFTER the XXXX of the following month. My payment was submitted On time with XXXX XXXX  through their 3rd party collection by phone on the XX/XX/XXXX. Please see my attached bank statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Consumer Affairs sent me a email request to upload the following attachments to dispute the fraudulent inquires on my credit report. I sent the agent a copy of the FTC Report for them to remove the fraudulent items on my credit report. She told me she would do it within XXXX hours. I sent the XXXX a copy of the letter to remove the late of XXXX XXXX XXXX to remove the late payment from my credit file. This item was updated in the month of XXXX when I had covid XXXX in XXXX and there was a late payment mistakenly reported to my file. The agent that verified the document was accurate and told me he would remove the late from the credit report. The 30 day was removed and now it is showing again. It is hindering me with my credit reporting ratings and purchasing a home. I feel I am discriminated because I am victim of domestic XXXX and I am told the agent that.
Product: Checking or savings account

I opened a safety deposit box in XX/XX/XXXX with US Bank, formerly XXXX XXXX XXXX in XXXX XXXX Illinois. I was regularly depositing cash, bonds, cashier checks, wills, deeds, car titles, and other things. In between the end of XX/XX/XXXX, and XX/XX/XXXX, ( this is an approximate date ), I was in the bank and went to check on my safety deposit boxes, ( I had two filled with cash and the other items I previously described ), and they were still full. They were so heavy that the employees at the bank would comment on how heavy my safety deposit boxes were becoming. When I went back on XX/XX/XXXX, the boxes still had the bonds, deeds, and cashier checks but all of the money had been stolen. I went to the police station, made a report and after some time they assigned a detective to the case. The detective then began investigating the case, in my opinion he did not work hard enough because the bank did not give him the information that he was requesting and was making it difficult for him to get the things that he needed to find out who stole my money, and he did not work hard enough to force them. I don't think he ever got the surveillance tapes, he only showed pictures of me going in and out of my safety deposit box on random days. The bank told him that the tapes were kept out of town and they could not give them to him. I think that is unacceptable. Please help me. That was my retirement. I have learned that it is not wise to put money in a safety deposit box but I still feel that the bank should not have let anyone in my safety deposit box. It is not as if the bank was robbed and the thieves robbed my box, someone was allowed to come into my boxes, both of them. They didn't do this randomly, someone knew what I had in my box and knew to take money out of my box. I tried going through a lawyer, the police, the comptroller of Illinois, and no one was able to help me. Please help. In total I am missing more than {$50000.00}. I used to deposit my tax returns, the cashier checks and cash from rent that I received. I am uploading some copies of checks and I have many more to show how I made my money. If you look at the tapes you will see that I would often cash a check with a teller and go straight to the safety deposit box.
Product: Student loan

I applied for income based payments and have not received any updates or information about when payments resume or how much they wil be. I've tried for several days to log into my account online, and every time their website crashes/times out when I try to log in. This company seems like a complete scam and never communicates with me about changes they make. They are not forthcoming with information when I call either and offer little guidance. 

In addition, previously, I had signed up for auto pay, and they withdrew from my account without my consent as a hold to essentially confirm my account. 

This company is sneaky and untrustworthy and does not communicate anything in a timely manner.
Product: Mortgage

Because I had a bankruptcy over 4 years ago and my loans were not re-affirmed, which is normal procedure even by  Wells Fargo  's statement,  Wells Fargo  does not report the loans to the credit agencies. This makes it impossible for me to refinance my mortgages which have an interest rate of 6.5 %. I contacted  Wells Fargo 's   Customer Care and  Recovery Group, wh ich is the highest customer contact point at    W. F., already twice and was given the same answer. In other words W. F. holds  me  hostage to th eir high interest rate.   The mortgage loan Nos. in question are :  XXXX ,  XXXX  , XXXX . These loans are for  XXXX  different properties.   Thank in advance for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX and XXXX, TransUnion and XXXX for their failure to remove an inaccurate collection account from my credit report, despite multiple attempts on my part to resolve the issue. 

The account in question is held by XXXX XXXX XXXX, This account, was inaccurately reported on my credit report dates XX/XX/XXXX. I have never had any dealings with XXXX XXXX XXXX or XXXX XXXX, and this account does not belong to me. 

On XX/XX/XXXX, I sent a dispute letter to a ; ; aforementioned credit agencies requesting the removal of this erroneous account. In compliance with the Fair Credit Reporting Act ( FCRA ), I provided documentation proving that this account was incorrect. Despite this, they failed to remove the account, instead choosing to maintain this inaccurate information on my credit report. 

On XX/XX/XXXX, after the CRAs initial refusal to delete the account, I sent a second, more urgent dispute letter. In this letter, I reiterated my demand for removal and referenced the specific section of the FCRA15 U.S.C. 1681i ( a ) which mandates a reinvestigation of disputed information within 30 days. I clearly outlined that if the account was not deleted within 15 days, I would escalate the matter by filing formal complaints with your agency and the Federal Trade Commission ( FTC ). 

Unfortunately, as of XX/XX/XXXX, the CRAs have failed to comply with its obligations under the FCRA. Given the continued presence of this inaccurate information on my credit report, I believe that both XXXX XXXX XXXX and the CRAs are in violation of federal law, specifically the provisions designed to protect consumers from the damage caused by incorrect credit reporting. 

This inaccurate information has adversely affected my credit score and could potentially cause further financial harm. The negligence displayed by both XXXX XXXX XXXX and the CRAs is unacceptable and has forced me to take this matter to your agency. 

I respectfully request that the CFPB take immediate action to address this issue. I seek the removal of the erroneous account from my credit report and a full investigation into the practices of both XXXX XXXX XXXX and the CRAs concerning this matter. Additionally, I request that any negative impact on my credit score resulting from this error be rectified. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX