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

Hello, Experian is reporting I have a 60 day late payment on my credit report for an account that was closed as deed in lieu in XXXX of XXXX 4+ years ago! I have tried calling, emailing, using their website, mailing. When I called, 3 people including a manager just told me I don't know how to read a credit report. I have attached the credit report for your review. Experian phone reps indicate XXXX does NOT indicate as negative payments. This is very clear that they are wrong once you take a look. This is also not on any of my other credit reports. 
I have filed a complaint with the XXXX, I have disputed 2 times with Experian and also sent them a dispute form by overnight mail on XX/XX/XXXX. 

The credit report is attached. The negative payment supposedly is XXXX XXXX XXXX XXXX. This account has been closed since XXXX of XXXX!!! Deed in Lieu. There is NO late payments on this account for almost 5 YEARS. 

Heres what happens when I log into my Experian Account : You Have 1 New Late Payment Your report shows 1 new late payment in the last 60 days. If any look unfamiliar, it could be a bank mistake or a sign of fraud and you can dispute it. 

XXXX XXXX XXXX XXXX Past Due Amount : {$0.00} Details Account # XXXX Original Creditor - Company Sold - Account Type Conventional Real Estate Loan, Including Purchase Money First Date Opened XX/XX/XXXX Account Status Closed Payment Status Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance {$180000.00} Monthly Payment {$1200.00} Past Due Amount {$0.00} Highest Balance - XXXX XXXX XXXX XXXX XXXX Recent Missed Payment You recently missed a payment or had a derogatory indicator reported on your credit report. 
Your most recent missed payment happened 2 Months ago
Product: Credit reporting or other personal consumer reports

In XXXX  I filed for bankruptcy and included a XXXX XXXX XXXXXXXX credit card account, for which payments were - never - late. After discharge, the account was closed by XXXX  XXXX XXXX. Equifax keeps marking that account as Derogatory, which is inaccurate, because payments were never late. The Bankruptcy itself is Derogatory, not the XXXX XXXX  XXXX credit card account that was discharged through the bankruptcy. Additionally, Equifax keeps indicating the date of bankruptcy filing under Date of Delinquency, which is also inaccurate, because the account was never delinquent. I disputed these issues multiple times and Equifax keeps adding inaccurate information to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

This company did nit validate the debt. The sent me a list with my medical procedures which is a violation on HIPPA! Not to mention that is NOT my signature on the documents. I tried to handle this the correct way, but I will have my attorney involved. Not only are they in violation of HIPPA, but falsley signing documents is a criminal offense. I want this removed off my credit immediately!
Product: Vehicle loan or lease

I have fell behind on payments and began to pay late. I noticed no matter how much I payed the balance never goes down. I called and I was told that the reason why was because all my payments were going to late fees. When I asked what the late fees were I was told between $ XXXX {$11.00} a day. I feel as that is illegal and falls under usury. <P/>I have spoken with them and let them know of my concerns and I was told they can set the late fees as they please.
Product: Mortgage

On XX/XX/XXXX my payment portal gave me the option to pay an escrow shortage amount of XXXX to prevent my payments from being increased. I paid the shortage expecting my mortgage payment to not change. On XX/XX/XXXX I went into the payment portal to find my mortgage was increased anyway. I called veterans United and was told that it only covers the previous escrow and not the current. I stated that was true since the payment system states PAY DOWN YOUR SHORTAGE XXXX Available until XX/XX/XXXX PAY DOWN YOUR SHORTAGE The escrow account analysis resulted in an escrow shortage. To recover this shortage, we have increased your monthly payment for at least the next 12 months. If you would like to prevent this increase in the payments, you can choose to pay the shortage in full. Paying the lump sum payment is not required and completely voluntary. If you choose to make this lump sum payment, it must be received by us prior to the increased payment effective date listed on your most recent escrow analysis statement. 

I feel that veterans United is using unfair business practices by not fully disclosing that mortgage can in fact still increase even if this balance is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX was closed XX/XX/2013 but is showing as " current '' on my TransUnion consumer report. ( See attachment reflecting CRA 's reporting incurrent information. ) A closed account can not be reported as current. This inaccurate information is causing harm to my reputation.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and they clearly violated my rights
Product: Debt collection

This debt from XXXX is not mine, I had a contract with XXXX XXXX in which I paid, and all equipment was returned! The contract was prepaid, there is no way I am left with a balanced owe! XXXX XXXX has given no resolution or validation of this debt, and now has sold it to Credit Protection. I need this false debt deleted
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Subject : Urgent Request for Removal of Unauthorized and Unverifiable Item from Credit Report - Reference to Federal and Georgia State Laws Dear Caine & Weiner, I am writing to express my deep concern regarding the unauthorized reporting of items on my credit report by your agency. I have never provided consent for Caine & Weiner to access my credit report, and this infringement on my privacy raises serious concerns of identity fraud. 

I want to emphasize that even in cases of permissible purpose, the consumer 's consent is paramount, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( B ). Additionally, Georgia state law, under Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ), requires consumer consent for such activities. 

I have not granted permission for the inclusion of this item within my consumer profile, rendering the reported item unverifiable. 

I demand the immediate removal of this unauthorized and unverifiable item from my credit report, in accordance with FCRA Section 611 ( a ) ( 1 ) ( A ) and relevant Georgia state laws. I assert my right to have this matter resolved within 30 days from the receipt of this complaint, as mandated by FCRA Section 611 ( a ) ( 1 ) ( A ) ( i ) and corresponding Georgia statutes. Failure to comply within this timeframe will be considered willful noncompliance, in violation of FCRA Section 616 and Georgia state law.

Additionally, I request that Caine & Weiner provide a written document from me, the consumer, that explicitly grants permission for your agency to access my consumer profile, as required by FCRA Section 604 ( a ) ( 2 ) ( A ) and Georgia law. 

This document should be submitted promptly. I trust that you will address this matter with the urgency and seriousness it deserves, in compliance with both federal and Georgia state laws. I appreciate your prompt attention to this issue and expect a resolution within the stipulated timeframe. 

Done in good faith.
Product: Debt collection

Disputed debt, failed to respond to Dispute Notice, continues collection efforts
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card is opened by fraudulent. 
Please remove credit hard inquiries and account on my credit reports. 
Company : XXXXXXXX XXXX
Product: Debt collection

THIS WILL BE MY LAST ATTEMPT TO HAVE THIS DEBT VERIFIED. IF THIS DEBT IS NOT VERIFIED, I WILL BE CONTACTING MY ATTORNEY. 

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that  XXXX XXXX/XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs,  including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX/XXXX XXXX. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Checking or savings account

I received an ad from Bank of America that said if XXXX ) I opened a checking account XXXX ) Set up direct deposit of XXXX or more within 90 days ... then I would get a {$300.00} incentive or bonus added to my account. 

After .... 
XXXX ) Opening a bank account XXXX XXXX Having $ XXXX in direct deposit within 90 days and calling several times I have not received the {$300.00}. This seems like a technology issue where they don't recognize that I enrolled in the issue. I shouldn't be penalized for a broken website. 

According to the terms and conditions I should have received the {$300.00} at this point. I should not have to call several times to resolve this issue. The representatives can't even find the terms and conditions for the offer.
Product: Checking or savings account

Chase Bank will not let me access my account online unless I sign a 131 page contract which among other things, gives them power of attorney over my account. I wonder what else they get control over. 

Not only is it exceedingly long but the way it is worded is much to difficult for a lay person to comprehend. I think it would even be hard for a professional.
Product: Credit card or prepaid card

On XX/XX/XXXX My Citibank double cash card credit limit was decreased from {$4000.00} to {$300.00}. I called customer service and they directed me to a finance specialist that gave me the reason that they did a random review of my account and found that there was derogatory information on my credit report. I explained to them that I was disputing some items with another financial institution and also I was never late in paying citibank. They did another review of my report and told me that they will inform me of the results of their review to reinstate my credit limit. It took them a week to respond after I called on XXXX/XXXX/19 to follow up. The agent stated the haven't done the review and will forward my information to a credit analyst and they will review my information and will send me an email of their findings within 72 hours. I received a response on XXXX/XXXX/19 that they decided not to reinstate my credit line to {$4000.00} based on their original reasons. My complaint is that this may be a violation Fair Credit Reporting Act because my credit utilization went up and affected negatively on my credit score.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Noncompliance and Civil Negligence Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute the inaccurate credit reporting by XXXX that has severely impacted my credit profile. I have previously reached out to the reporting companies directly and disputed these inaccuracies with all XXXX  major credit bureaus. While XXXX and XXXX have already corrected the errors, XXXX has not taken appropriate corrective action. 

Under 15 U.S. Code 1681o, entities that negligently fail to comply with the Fair Credit Reporting Act ( FCRA ) are liable for actual damages, legal costs, and attorneys fees. It appears that XXXX has failed to uphold its obligations by continuing to report inaccurate information, which has led to significant harm to me. 

As a result of this negligence, my credit score has severely decreased, despite my lifelong efforts to maintain a strong credit standing. This has caused me considerable financial hardship, including difficulties in accessing credit.

Given the severity of this matter, I am seeking an immediate resolution. Specifically, I request : 1. The removal of each inaccurate item from my credit profile as reported by XXXX. 
2. Written confirmation that these inaccuracies have been fully addressed and corrected. 

If this matter is not resolved promptly, I will consider further legal action, including seeking damages as permitted under 15 U.S. Code 1681o. Please consider this letter a formal notice of XXXX failure to comply with federal law and a demand for immediate corrective action. 

I expect a response within XXXX  days as required by law. If you need further details, please contact me at the information provided above. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I borrowed {$20000.00} from sallie Mae and I have paid {$350.00} a month for over 10 years and I owe them over {$35000.00} more then I borrowed. Even though I have been paying them. Sallie Mae gave my account to Navient without my consent. I am a XXXX XXXX and I tried applying for a XXXX XXXX forgiveness loan with the Department of Education, but the Department of Education denied it because it is a private, which I never knew it was a private loan until I applied for the XXXX XXXX  forgiveness program. They were deceitful and never disclosed it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XXXX XXXX XXXX Credit pull from my credit report, on XXXX XXXX Credco pull from my credit my credit report, and on XX/XX/2020 XXXX  XXXX Fin pull my credit report all without my permission or intention to incur an inquiries on my credit report. I need this off because it is messing up my credit report for me to get a loan, credit card, and car.
Product: Mortgage

Bank of America reported me 30 days late on my home equity loan on XXXX/XXXX/2015. 
I no longer receive statements from them as they wanted to go paperless and rely on the information on the on-line payments section which as of today XXXX/XXXX/2015 tells me that my next payment is due XXXX/XXXX/2015. No mention of a past due ... .no contact from anyone regarding a past due. The old format of the on line payment page would disclose that information. 

I want this 30 day removed from my credit report at all all XXXX bureaus.
Product: Debt collection

I am in receipt of a letter from Southwest Credit System informing me that they are handling the " collection '' of account # XXXX for {$160.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Southwest Credit System & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding proof of contract to substantiate Southwest Credit System 's claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Southwest Credit System continues to report this fraudulent ( on Southwest Credit System 's behalf ) and unverifiable item on my XXXX, XXXX and XXXX reports. Southwest Credit System has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account on ( Southwest Credit System 's behalf ), I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, I submitted my complaint, and once again, less than 2 days sent a message saying they were " investigating '' and then sent an email saying it was " updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX were discharged. It was discharged due to hardship because of an injury. 
Not ONLY did XXXX turn around and SELL OFF the discharged debt for someone else to try and collect on AFTER discharge, which is illegal, XXXX is now claiming I owe {$20000.00} additional in fees. In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! 
As previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am injured and XXXX and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! 
Submitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! 
Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 
2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a PHEAA for " collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! 
I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! 
HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 
LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! 

THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!
Product: Credit reporting or other personal consumer reports

I am writing regarding my complaint XXXX filed against XXXX, XXXX, and Equifax. I noticed that the complaint has been marked as closed without a response from the credit bureaus. I am concerned because the issues I raised remain unresolved, and no actions were taken to address my dispute. 

I respectfully request that the complaint be reopened and escalated for further investigation. This matter is critical as it directly impacts my credit report and financial well-being. 

Attached are additional documents to support my case. Please let me know if further information is needed. 

Thank you for your attention to this matter. I look forward to your response.
Product: Checking or savings account

I had received provisonal credit on XX/XX/2023 for 2 disputes I had filed. One dispute was XXXX and the other dispute was XXXX total of XXXX. I had received the net amount total on XX/XX/XXXX and spoke to many representatives before the XXXX to get information on the disputes. They had let me know about the credit on the XXXX. Well XXXX  XX/XX/XXXX i check my account to see a withdrawal of XXXX back to credit karma without any notice or explanation. I called immediately and they stated it was because the dispute was denied but they should have given me a denial letter and 5 days after the denial reverse the charges. I have been calling now for 5 days and they keep telling me its being escalated and they will reach out via email. Its very frustrating all I want is an explanation and it to be processed the correct way