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

At the end of XX/XX/XXXX, XX/XX/XXXX, I reached out to my lender, XXXX XXXX XXXX XXXX to request a forbearance agreement due to hardship caused by COVID-19. XXXX granted me a 3 month forbearance and assured me that this would not report negatively on my credit. Towards the end of the 3 month agreement, I reached out again to XXXX  to ask for an extension of the agreement as I had decided to sell the house and XXXX agreed to provide me another 3 month extension through the end of XXXX and explained to me that after this extension, if I had not sold the house, we would discuss additional options to help me if we needed them, which I was thankful for. In early XXXX, I received a notice from my credit monitoring service that said XXXX reported me as 90 to 119 days late, which promptly lowered my credit score by 90 points across all three bureaus. I immediately filed a dispute with all 3 agencies explaining that this was not 90 to 119 days late but a forbearance agreement that should NOT report late on credit. I also called XXXX who promptly admitted to me that an error occurred in reporting to the bureaus which they would correct. Essentially, XXXX reported me late accidently. They told me they would process they correction to the bureaus. Today, XX/XX/XXXX, I received a notification from Equifax that they confirmed 90-119 days late on my mortgage and my credit report remains negative 90 points from where it was. I called XXXX and they told me that they made the correction on XX/XX/XXXX and they considered the matter closed. When I told them that Equifax was still reporting me late, they told me to take it up with Equifax or call a credit repair agency, which makes no sense since I am not trying to repair my credit, I am trying to get a reporting error resolved. I did call Equifax and they told me that indeed they were still seeing 90-119 days late being reported by my lender and that they had not received any correction from them. they told me to dispute this again, which I have done again. I do not why this is continuing to happen. I have been proactive in trying to sell my house and protect my credit by asking for help, and although I was granted the forbearance, which I greatly appreciate, my credit report is now reflecting an erroneous status that greatly impacts my future credit worthiness and no one is willing to resolve it. I need someone to step in and actively help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX for the amount of {$5400.00}, XXXX XXXX XXXX XXXX account XXXX for the amount of {$1700.00}, and XXXX XXXX XXXX XXXX {$6200.00}, have 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 or other personal consumer reports

My account with ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

For approximately a month, I have been dedicatedly working to address an ongoing discrepancy in my credit report concerning Experian, XXXX, and XXXX, all of which have inaccurately recorded that a payment on my XXXX XXXXXXXX account was late on XX/XX/XXXX, account number XXXX despite my clear evidence of making a timely payment. Despite my persistent efforts, the creditor has been uncooperative in providing substantiation for the alleged late payment. Consequently, I am formally requesting the removal of this erroneously reported late payment from my credit report to rectify this error promptly and ensure the accuracy of my credit history. In support of my request, the creditor must adhere to the Fair Credit Reporting Act ( FCRA ), a federal law that mandates accurate and fair reporting of consumer credit information. Under the FCRA, creditors are obligated to investigate and correct any inaccuracies upon the consumer 's request, ensuring the integrity and reliability of credit reports. Please see screenshot done below
Product: Money transfer, virtual currency, or money service

complaint about COINBASE my name XXXX XXXX XXXX address XXXX XXXX - XXXX XXXX XXXX - XXXX account in bitcoin XXXXXXXXXXXX on XXXX of XXXX i deposited XXXX eur to COINBASE deposit account as a deposit to start trading and buying and selling bitcoin. On the XXXX i got an email saying the deposit arrived from a XXXX account. which is correct, i have a private account in XXXX, but apparently payments from there are n't accepted. 

they also said in the same email the funds would because of this reason be reversed to my account within 1-2 business days. 

now on the XXXX of XXXX, still no payment in my account back. 

after 15 days still nothing in my account when they supposedly reversed my payment. 
please can you check i need this money in my account back asap. 

thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with Equifax : On XX/XX/XXXX I contacted Equifax to temporarily unfreeze my credit information. My credit was frozen XX/XX/XXXX. I had previously temporarily unfroze my credit on XX/XX/XXXX. My request was refused because I was informed that I did not answer the security questions correctly. I did not accept this response and spoke to several representatives and a supervisor. All refused my request. In fact, the last Equifax representative claimed my account was not frozen even though I read the letter to her from Equifax that stated my account was frozen. They suggested I write a letter to their main office. My insurance company wanted to see my credit score tomorrow. 
The frustration I have experienced from Equifax is disgraceful. The bureaucracy in this non consumer friendly firm is disturbing.
Product: Checking or savings account

I have XXXX XXXX and I received an alert today that an online account of " MoneyLion '' which I do not know this company nor did I open account showing on XX/XX/2021. 

According to XXXX XXXX this " MoneyLion '' is an " off-shore '' account within the United States? Again, I did not open nor did any online business with this " MoneyLion '' at all. 

This is fraud and according to XXXX XXXX the Result was " Passed ''. 

I am therefore lodging a conplaint against MoneyLion that I never contacted them for anything, nor did I attempt to open any kind of account with them and my information has obviously been fraudently used by MoneyLion. 

Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is inaccurately reporting on 2 accounts on my credit reports for equifax, XXXX  and XXXX. I have contacted the company repeatedly with inaccurate information and closing of one account on my credit reports and it has not been resolved. The payment history is inaccurate and showing late payments.
Product: Mortgage

I put my loan in forbearance after the main income earner left the household. Forbearance was from XX/XX/year> - XX/XX/year>. Was told at the start that deferring the lump sum to the end of my loan was an option. Called in XXXX to let them know that Id be able to start making my regular payment XX/XX/year> and to inquire about deferring the 3 month total. Was sent an application, turned it in immediately and never heard anything back. Called and was told my application was incomplete. Filled it out again. Called in to check on it and was told that I was missing documents. These documents were never asked for previously. Turned them in, called a week later and was again told I was missing documents. This has been going on since XXXX. They are sending me default letters and threatening foreclosure. They reported non-payments to the credit bureau ( which tanked my credit ) even though the loan was in forbearance ( which is something they cant do ). Now theyre telling me they have no record of my forbearance. Ive sent in every document theyve asked for and theyve taken no action. I believe this is done on purpose to make people default on their loans. Everytime I call, Im told that they need more documents or that they dont have mine. Ive asked them multiple times to confirm receipt of my email/docs and they never have.
Product: Student loan

When I applied and received my loans I did not want to use a cosigner. I could not get the loans without one. At the time my loans were issued they assured me that after 6 months of on-time payments I could have my cosigner released. I have made on-time payments ( most of which are set on auto-pay ) for over 2 years. I completed the paperwork to have my cosigner released and was denied. Had I known they would have refused to release my cosigner as they said I would not have taken out the private loans.
Product: Credit reporting, credit repair services, 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting

I am concerned that someone may have attempted to open accounts under my name. All security questions asked when I requested my report were not applicable to me and once I submitted this is received notice that my reports were unavailable due to security reasons.
Product: Credit card

I am disputing this creditor. I was not informed via certified mail of any late payment concerns. I was making current monthly payments, and was not made aware of any payment date changes. When I realized there were late charges on my statement months later, I contacted the company via telephone. I was quite upset, and agreed to pay the total amount if they would remove the late fees since I was not aware of any concerns.. The company willingly removed XXXX of the late fees. I payed the bill in full and cancelled the card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO - 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .

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 30 days and you are in VIOLATION of this law because I am a 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: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and have seen multiple hard inquiries that have severely impacted my credit score. I shopped for a mortgage back in XXXX or 2019. I do not believe the multiple hard inquiries should affect my score because they were all for the same reason and should be grouped together. Recently, I traded in my vehicle and purchased a second vehicle. I authorized the dealers to run my credit report to find me a good rate to finance those new vehicles. I was surprised to so my credit score decreased drastically since XXXX of 2019. 
I also saw that a mortgage company recently made an unauthorized inquiry on my report. I am no longer in the market for a mortgage and would have no reason for a company to do so. 
My complaint is that these hard inquiries have so negatively affected my credit score. Some were authorized for specific purchases but those should be grouped together. And, I have some unauthorized inquiries that certainly should not affect my credit score. 
Looking at my credit history you can see that I have not missed a payment in over 150 months and my credit was very good until these events. 
I hope someone can research my credit history and correct any and all negative events on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Recently I was trying to open a checking and savings account with one of the largest banks in the United States of America and surprisingly I was denied. 
This is the issue. To give you some background about my finances by protecting the fine details about the same. I am a XXXX XXXXr with a very stable financial control and I have a credit score of  about ~780 ( I checked all the 3 major credit bureau on the day I went to the bank ). When I went to bank-1 I  was denied the checking/savings account and I thought they might not support the state/county I was living in. So, I went to bank-2 which was local to my county, and THEY DENIED it as well. However this bank provided me with the credit score which was being reported as XXXX and I was asked to contact a company called ChexSystems from the bank for more details and they denied my new account. 

That was the first time I heard about this company ChexSystems and I filled out a form on their website to get a credit report and my credit score, and they reported XXXX. and the 2 reasons they gave was, 1. Few accounts on file 2. NON-derogatory remark present on file. To be fair, # 1 is correct. However I was curious to know what the # 2 was. So I filed a disputed to explain what # 2 was and received same incomplete info which was similar to the credit report they had sent me earlier and they did NOT explain what was the non derogatory remark were they talking about.

Being stuck in the middle of these organizations, I had got though emotional roller coaster for not understanding why all the 3 major credit bureaus had 780+ scores and this ChexSystems had in XXXX and then XXXX. So ChexSystem mentioned if I had any question regarding any of the contents in the report, they redirected me to another organization called XXXX organization. and when I checked with them regarding why my score was so low and what was the NON-derogatory remark, they had no clue what it was and that is when I realized something fishy is going with the Chexsystems and that why I am reaching out to you. 

I am attaching all the necessary documents to support my case.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX  ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems t04o  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 accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over a letter to Exeter Finance because the amount showing on my credit report does not appear to be accurate. I sent the letter on XX/XX/26 and have not gotten any response. This was only after I called in two months before and was told that I would be emailed out information. The company is reporting false information and will not comply with the law by providing me the documentation that I have requested both in writing an over the phone to show the account information as reported on my credit reports.
Product: Checking or savings account

My ex boyfriend stole my debit card and took out {$200.00} that I didnt have.my account only had {$20.00} and he was somehow able to take out {$200.00} I immediately called the bank to file a dispute and filed a police report. They denied my claim when they shouldnt be able to let anyone take out money they dont have in their bank account, I want to close my account with them and get those {$200.00} back. I didnt not authorize my ex to use my card to get money out. I already filed a restraining order against him and I dont have money to pay back the {$200.00} that I didnt take. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Sagestream 4 times for the past 3 weeks to put a security freeze on my consumer report with them. I always get a recording to leave a message and they will call back. It's been weeks now and they never return my call
Product: Mortgage

On XXXX XXXX, XXXX our mortgage with XXXX was discharged through Chapter XXXX bankruptcy. We received approval of the loan modification on XXXX XXXX, XXXX. Today, we receive a welcome letter from Statebridge, LLC, dated XXXX XXXX, XXXX, advising they are debt collectors but no mention is made of our approved loan modification which is current. Our concern is that Statebridge is not honoring the XXXX HAMP Loan Modification and we are starting all over again! Please assist!
Product: Credit card

XXXX XXXX has reported to the credit bureau that I have been late on 2 payments the payment due date is the 14 of each month on 1 card and the17 on the other card.i make the payment on both cards on the 3 rd of each month I am XXXX and get {$1000.00} a month I also check on my checking account statement to make sure that both payments have cleared which they have.my credit score has dropped 40 points since they claimed that I was late the first time.i don't appreciate the hit to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX are not reporting my VA Home Loan and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.