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

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I contacted all 3 credit bureaus via certified mail on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( provided proof ) and each company requesting validation abd accuracy of debit. I asked them to provide who from their company provided info to credit bureaus. I did not authorize any information to be shared and demanded they remove all information. They have not.
Product: Credit card or prepaid card

My payment is due on XX/XX/2022, so I logged on to the Capital One website and set a payment today, at about XXXX Pacific Time. When I logged in, my account showed I had been charged a {$29.00} late fee already today, despite my payment being due today. 
I felt this was unfair and a way for Capital One to exploit customers that are faithfully trying to make their payments on time, but can not rely on automatic payments. 
I called Capital One to ask for the late fee to be waived. After waiting on hold for 45 minutes, I was able to speak with a representative. 
The representative did not agree to waive the late charge and stopped responding mid call, pretending he could not hear me, and then the representative from Capital One hung up on me.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry reporting on my consumer report is unauthorized. There also was no consumer benefit from this inquiry. 

XXXX XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX/XXXX XXXX ... XXXX XXXX*that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

When I entered into a home mortgage modification with XXXX XXXX, Real Time Resolutions , Inc, I contend, illegally filed a corporate assignment of mortgage thru the court system in Florida. This assignment ( 2nd lien on my property ) falsely indicated ( I contend ) that I authorized and executed, thru Mortgage XXXX XXXX XXXX XXXX XXXX, them to file the assignment of mortgage. The alleged debt, according to the credit bureaus, was supposedly sold mid XX/XX/XXXX. Real time resolutions filed the assignment against me, beyond the state of Florida statue of limitations. They filed late XX/XX/XXXX. That is beyond the statue of limitations. I wish to suggest that real time resolutions vacate the lien and cease any more actions on their alleged debt.
Product: Checking or savings account

On XX/XX/2020 multiple deposits were made to my account from unemployment for a number of weeks of retro unemployment or 19 payments of which 17 were {$740.00} and two were  {$140.00}. My account appeared to be active. I have a screenshot of my account from this day. 

On About XXXX XXXX I called spark business department to have a new card issued to me because I had thought I lost the previous one I had and a customer service representative told me that my account needed to be closed because it had sat for a number of months with a $ XXXX balance. Which had happened another time before in another account and they just took money from another account of mine with a higher balance to pay the one that was in the negative. This was the day the reprentative also said that I would get a check in the mail for the money that was in my account after it was closed. I was told it could take up to 4 days to close the account and 5-7 days after that to get the check. 

The next day I signed on to see what was happening with my account and I noticed that the previous representative had the address wrong to send the check to. He had the address in XXXX, IN. And the address was supposed to be in XXXX, IN. 

The check should have been for a combined savings account of {$6.00} ( XXXX Savings ) and the {$13000.00} ( XXXX XXXX Account ) for a total of {$13000.00} I have tried to contact Capital One a number of times regarding this matter and the customer service rep has told me that the check is on its way. They have stated that on the XXXX a check was printed. However, I have no clue when it was sent out or if it was sent out. Can Capital one confirm the shipping address for me? It just seems like a very long time to wait to get a check from a bank that is within the united states. And you can bet that if someone owed them money they would be ready to collect it ASAP. 

Also on the XXXX a letter was sent out that does say that my account was closed down and no check. Now its the XXXX of XXXX. Can you verify the address this check was sent to? Why is it taking so long and please don't void it yet if its going to the correct address.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax repotting incorrect information
Product: Credit reporting or other personal consumer reports

Mail letters certified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting they correct the negative errors on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is failing to use Metro 2 and E-Oscar to verify an alleged debt that XXXX put on my credit report. XXXX is not giving Experian or on my credit report the full account numbers. The account number provided has 4 unknown variables which makes it impossible for Experian to verify that the account belongs to me. The grind payment history does not match up. Fore Example XXXX updated the term as {$0.00} a month. How can I owe a balance for an alleged debt if the monthly payment is for {$0.00}. Also, it notes that there was a payment of {$7100.00} on XX/XX/2020. How can an account be charged off if there was a payment? And if there was a payment, why was it not deleted from the alleged debt amount. The alleged balance was {$6500.00} and the alleged payment was {$7100.00}. {$7100.00} is a great amount than {$6500.00} so therefore there should not be an amount owed.
Product: Payday loan, title loan, or personal loan

I spoke with a  XXXX  on  XXXX   XXXX   XXXX  and I advised that I would like to reduce interest rate to 6 % covered under the SCRA guidelines. I emailed a copy of my   XXXX   XXXX   XXXX   XXXX   XXXX   which has an effective date of  XX/XX/XXXX  through  XX/XX/XXXX , however I am converting to   XXXX   XXXX   XXXX   effective  XX/XX/XXXX  through  XX/XX/XXXX  because I will be deploying overseas. I received an email from the company stating that I did n't qualify under the SCRA guidelines because I obtained the loan on  XX/XX/XXXX . I explained to them I 'm covered under the act because I will be   XXXX   XXXX   XXXX   XXXX   XXXX   effective  XX/XX/XXXX . I spoke with a resprentative today and she said she would re-open the request however she stated that they did acknowledge my   XXXX    XXXX  dates and still stated I did n't qualify. Upon further review of my contract they have me paying 93.22 % per year on a {$6400.00} loan. I have been paying {$480.00} a month. I originally obtained this loan because of the financial difficulties I was dealing with after my separation from my spouse. According to the ridiculous contract I will pay off this loan on  XXXX   XXXX   XXXX  paying them a total of {$22000.00}. That just is n't right and they even said in the email that I was not covered under The  Military Lending Act as  well. I 'm getting ready for my  XX/XX/XXXX  XXXX  XX/XX/XXXX and this loan is  XX/XX/XXXX me out.
Product: Payday loan, title loan, or personal loan

I went to a dealership asking to buy a car, and he put me with this company : Liberal finance. 1st he asked me if I can put down XXXX $ for the car which is a XXXX XXXX XXXX XXXX miles. Since I get the car I spend XXXX $ as tickets, XXXX $ as impound XXXX $ paid to the finance company. In this situation I requested a refund, sell the car or give back the car and they said no! I still owed XXXX . The 1st day I drove the car from the dealership I spend XXXX . If I do the math from XX/XX/2018 to now I already spend XXXX $ and I dont have no title of the car and still owed XXXX $ Reported in credit report.
Product: Student loan

I received 2 emails ( XX/XX/XXXX  and XX/XX/XXXX  ) labeling my account as 30 days past due. I have been enrolled in auto-debit since before payments resumed and have even in fact paid extra along the way. I know I am not overdue. I called MOHELA on XX/XX/XXXX but their wait time was over 1 hr on the phone so I could not stay on the line and I asked for a call back per their dial procedure but never got one. Today I called and the wait time was 40 mins. I submitted a message via the MOHELA app portal while waiting, for fear I may never get connected to a real person. Eventually, the operator confirmed my account was in good standing and the emails were both received erroneously.
Product: Credit card or prepaid card

Applied for credit card and received a notice for denial of card on XX/XX/XXXX. Chase Bank used my credit to make determination of credit denial. Chase did not provide the credit score that was used in making decision
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act and XXXX account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XX/XX/2020. 
15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE ACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.
Product: Credit card

I've always ensured timely payments on this account, ensuring they're never overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two notifications on my credit that two separate dealerships ran my credit. I recently sold my truck snd have had no use in looking for newer vehicles. Confused on to how or why its being used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A FEW ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Product: Checking or savings account

I opened a USAA checking account in XXXX of XXXX. It is now XXXX of XXXX and i have somehow amassed a whopping {$2400.00} in NSF fees alone. This is only on one of my accounts. The other i opened hoping to get away from the unauthorized transaction attempts, and it has racked up close to XXXX dollars in the matter of 3 months. So total in fees im close to {$3500.00} in the span of XXXX years. This is supposed to be a military bank for servicemembers and their familys and i have never felt more unsafe financially than with this bank. XXXX XXXX, i never had a problem with for 10 years. And when i called USAA to ask for a refund i was told i only get XXXX. XXXX XXXX also refunded me anytime i asked and did it in full all at once. Fantastic people there. USAA feels to me more like a trap, skimming anywhere from $ XXXX {$120.00} from every paycheck ( i get paid weekly ) and denys me what is supposed to be my money anyways! And now i hear that they are doing away with NSF fees at the end of XXXX. Are you kidding me... so is that supposed to make me feel better about all the money they already " charged '' me for unauthorized and repeated transactions from the same people reattempting almost every day? I am just sick of not saying anything to anyone about it and to be honest id hire a lawyer if i could afford it. The times are hard enough without a greedy bank charging me for nonsense. I can understand if i was actually typing my PIN in or swiping a card or writing a check. But almost every NSF fee i have been charged for was due to repeat attempts to withdraw without approval from myself.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I asked over the phone and in writing for the lowest payment plan and was not provided with the information that would have forgiven my loans under the public service grant. I have worked in public service for four years and because this was not processed I need to wait to have the loans forgiven four additional years.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

During COVID Carrington would not allow me to do a forbearance because they stated I did a loan modification in 2019. Then I was finally offered me the opportunity to do another loan modification however they are still trying to proceed with foreclosure even though I have submitted all required documents for the loan modification multiple times via their website portal.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY. 
These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

FOCUS HAS VIOLATED THE T.C.P.A. CALL MY NUMBERS AT ( XXXX ) XXXX IN VIOLATION OF FDCPA! HAVE PHONE RECORDS ...
Product: Debt collection

Called me from GF Group, and had someone locally also call my phone claiming they were going to send someone to issue me a summons. On a bank that I have n't had in years! Wont provide me with a way to legitimize their business. Can not get any info from them.. very rude.. called me from XXXX different number + blocked numbers. Gave me a fake case number. 

Harassing my phone and threating me with legal action.
Product: Credit reporting or other personal consumer reports

Im requesting the Original Contract with Terms and conditions.Im also requesting the complete history of the debt.I want account statements and notes.The account shouldnt been charged off and if it was it should have been paid off by the security on the account This Info being reported is incorrect and inaccurate informationIm willing to file a federal lawsuitI am willing to pay the {$400.00} and bring this violation of the FCRA and FDPA to court and before a federal judge.These people are violating my federal consumer law rights and my civil rights
Product: Debt collection

Received a call from company on XXXX immediately asked for written verification kept interrupting not wanting to send. Sent a certified letter that day XXXX requesting more info.and disputing. From XXXX until present day they keep calling. We talked to them on XXXX & they said they did n't receive the certified letter, receipt shows they received on XXXX. On XXXX I sent XXXX certified letter & tracking shows should be delivered on XXXX. I have copies of the letters disputing and requesting further written information and receipts to show it was certified. The rep did say she would cease contact but I do n't feel they should have contacted after XXXX until written information was received from them. They are calling work and home daily.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15, USC 1681 section 602 states there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to privacy XXXX and experience our consumer reporting agencies and I the consumer I have the right to make sure my private information isnt shared Which backed by 15 USC 6 801 which states it is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of its customer and to protect the security and confidentiality Those customers nonpublic personal information.

Furniture of information to create agencies is a financial institution by definition under that title 15 USC 1681 section 604 section 2 states that in general subject to section C, any consumer reporting agency may furnished a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates the financial institution and the consumer reporting agency do not have my consent to furnace this information and they surely do not have my written consent or XXXX any and all consent to XXXX, XXXX XXXX and Experian whether it be verbal nonverbal written implied non-written or otherwise is revoked 15 USC 6 802 section B section C states that a financial institution may not disclose non-public personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option never inform me of my right to exercise my nondisclosure option not only that 15 USC 1681C section a five states accept as authorized under subsection B no consumer reporting agency may make any consumer reporting containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

This account is an adverse item. They are reporting again without my permission which is against the law 15 US code 16 812 section one a states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is in accurate 15 USC code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the proposed listed on section 1681B of this title XXXX and XXXX XXXX are not maintaining reasonable procedures also 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time, Im opting out of your reporting services..