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

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has been reporting false and inaccurate information on my credit files, reporting my account 30 days past due. I went into a hardship program approximately XX/XX/XXXX, with payments being set at {$110.00} due on the XXXX of each month. If payments are not received on the XXXX of the month, XXXX reports the payment as 30 days past due, no matter if the payment is made on the XXXX or XXXX of the month. Also, in or around the end of XXXX, beginning of XXXX, I reached out to XXXX in reference to my account balance, and scheduled payments. I asked XXXX XXXX if my current payment plan of {$110.00} was up to date, because I had paid my balance down by $ XXXX {$400.00}. I wanted to know if my payment was going to be less than {$110.00} going forward, since the balance was lower. The XXXX stated your PAYMENTS are {$80.00}, not {$110.00}, and I asked her if she was sure that my payment was now {$80.00}, she assured me that it was. Prior to this phone call, I made an early payment of {$200.00} on XX/XX/XXXX, towards my XXXX payment, which wasnt due until XX/XX/XXXX. On XX/XX/XXXX, I made an {$80.00} payment on my XXXX charge account, which was thee amount the XXXX XXXX told me my payment would be going forward. And on XX/XX/XXXX, I made another payment of {$80.00} on my XXXX charge account, but XXXX reported my account 30 days past due for the months of XXXX and XXXX, with an outstanding payment of {$74.00} due. I paid {$200.00} on XX/XX/XXXX, {$80.00} on XX/XX/XXXX, {$80.00} XX/XX/XXXX, and another payment of {$110.00} on XX/XX/XXXX, which is a total of {$470.00}. If the said payments were in fact {$110.00} per month and not {$80.00} per month, then that totals {$350.00} ( for 3 months XXXX, XXXX, and XXXX ), which is {$120.00} more than what was due and required of me to pay for the XXXX months ( XXXX, XXXX, and XXXX )! Therefore, I am requesting an immediate audit of my XXXX XXXX XXXX! The credit bureau reporting guidelines state that a creditor may report a consumers account late, if a consumer pays an account 30 DAYS AFTER THE PAYMENT DUE DATE!!! On my most recent credit report it shows XXXX and XXXX as 30 days past due, which is ABSOLUTELY FALSE / INAACURATE! Further, XXXX is reporting inaccurate and false information against the Fair credit reporting act and Consumer protection agency rules and guidelines, and is refusing to remove such negative reporting. I have proof and receipts of all payments made on my account, which shows that payments were made before 30 DAYS AFTER THE PAYMENT DUE DATE! A creditor CAN NOT submit false information to the credit bureau just because a payment is past due by XXXX days. As long as the payment is made within the 30 days cutoff period, they have to follow and abide by the laws of the Fair credit reporting act, and the Consumer protection agency. This company needs to be investigated for unfair business practices and laws. Further, under the hardship programs a consumers account is not supposed to be reported to credit bureaus, and especially is the payments are not received 30 DAYS AFTER THE PAYMENT DUE DATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with 2 fraudulent accounts and fraudulent inquiries
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/XXXX, an inaccurate negative " 30-Day late '' payment history indicator was reinserted on my Experian credit report for XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX. This inaccuracy was previously disputed and deleted from my Experian credit report on XXXX XX/XX/XXXX. This reinsertion of information was first reported on XXXX XX/XX/XXXX. 

In addition, Experian failed to notify me of the reinsertion of this information, to date. 

Further, I assert that Experian did not properly review and certify the accuracy of the alleged late payment before reinserting the information, when upon review of the account, the average person can see that the payment history and balance history do not correlate. This is very specific accounting information, that if accurately reported by the furnisher, should not contradict.
Product: Mortgage

I purchased my home almost two years ago now. My payment amount has fluctuated due to escrow changes, but in XXXX, my escrow amount increased by almost {$200.00} more per month than it has been in the past ( prior monthly payment amount was {$700.00} and in XXXX it was {$890.00} ). My actual taxes owed for the year is a total of {$1200.00} and homeowners insurance is {$680.00}, for a total for the year of {$1900.00}. The mortgage company is charging me {$3700.00} for the year ( based on the {$300.00} per month shown on my statements ), which is more than the 1/6th total allowed by section 6 of the RESPA. 
In contacting the mortgage company, I was told they had made a mistake in estimating my property value, and that as long as I sent in copies of my property tax statements, they would fix it immediately. These statements have now been sent in multiple times by myself via email, fax and now certified letter, and by the township treasurer where I reside. I have also called almost half of every business day in both XXXX and XXXX, and answered calls from their collections department when they have called me. The individuals in the collections department have either mimicked me when I have answered ( I always answer with " hello? '' and one individual has just repeated me without saying anything else ), or they just sit in silence instead of responding. It has now been 4 months and my account still has not been corrected.
Product: Debt collection

This randomly appeared on my credit report in 2021 and it does not belong to me. This is a serious breach of my privacy and I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a clear inaccuracy and a clear violation against my rights, Please update this account accurately.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX - Balance : {$0.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$980.00} XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$250.00} XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$7200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$760.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX Balance : {$3000.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$540.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$390.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$670.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$2200.00} XXXX # XXXX XX/XX/XXXX - Balance : {$650.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$280.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$980.00} XXXX XXXX  XXXX  # XXXX XX/XX/XXXX - Balance : {$1400.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$650.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$390.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$540.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$670.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2200.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have been working out a debt settlement with CKS Financial. They have my cell phone number and email and I have been extremely responsive about my desire to work out a settlement with them. We have talked on the phone, their chat window, and email. 

I talked to them as recently as yesterday just asking to verify that they own the debt for XXXX as well as what payment methods I could pay with. 

They then decide today to start calling my place of employment. They spoke with a coworker both identifying that they are a debt collector and asking to speak with me. 

I have the screenshots from the employer saying that they are a debt collector.
Product: Credit reporting or other personal consumer reports

Experian has placed on my credit report. I have attempted multiple times to contact Experian by phone to resolve this issue, but I have been unable to reach a representative. Additionally, after repeated attempts, two of the phone numbers I used to call were blocked, preventing me from making further contact.

Experians refusal to address my concerns and the continued placement of misinformation on my credit report is unacceptable. I request immediate action to correct these errors and a proper explanation as to why my calls have been ignored and blocked. Please consider this a formal request for resolution, and I expect a prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made more then one attempt to do the dispute process and I even tried the email/phone versions and i never get any confirmation or anything, there is a bogus XXXX charge that needs to be cleared off. I am doing things that are time sensetive, I can not sit around for months to wait and hope the system is repaired. This is unfair!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$100.00} ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$75.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$100.00} ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$170.00} ; XXXX XXXX XXXX : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and there I discovered a lot of inquiries from unknown sources. These was not authorized and should not be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX of XXXX i took out a loan with XXXX  to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX  XXXX. in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now XXXX  has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and XXXX but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXX XXXX  owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , remove information appearing on my consumer credit report that is the result of inaccurate personal information ( Name ) upon you receiving this complaint. This is fraudulent, inaccurate and false information ( Name ). This name has resulted in inaccurate personal information ( name ) appearing on my consumer XXXX  credit report. I have attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned information ( name ). I do not recognize the aforementioned information ( name ) as reported. The aforementioned information appearing on my consumer credit report maintained by you was not made, or initiated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your response. But I want to inform you as you already know that XXXX XXXX is a 3rd party vendor. That anyone including myself have access to. per the FCRA in order for a credit reporting agencies as yourself to conduct a reasonable and Maximum accuracy of an investigation you must verify the information with the original furnisher of the debt! When a bankruptcy is filed you must file that with the United state bankruptcy court if you are unable to verify it with the original furnisher the information that you reporting is unverifiable. As far as you reviewing all relevant information provided by the consumer is hideous! How can you verify anything that anyone sends to you with out verifying it? Again I have asked you for specific information regarding the XXXX  XXXX from the US bankruptcy court XXXX but you keep refusing. To send me any information requested you are in violation of the FCRA for failure to conduct a proper investigation! This will include you to make phone calls to the United States District Court speak with people send a letter etc Therefore this public record is not verified. Please remove the public record from the report and send me a updated credit report to reflect the deletion! 

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

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX RE : Final Demand with Law Verification and Cease-and-Desist Request XXXX Report Number : XXXX Date of Report : XX/XX/year> Dear Experian Dispute Department, This XXXX XXXX XXXX a final demand regarding the ongoing dispute and request for the removal of inaccurate information reported on my XXXX credit report ( Report Number : XXXX ). I am requesting that this issue be handled without the use of e-OSCAR, and that each items accuracy is verified according to the standards set forth in the Fair Credit Reporting Act ( FCRA ) and relevant laws. 

Cease and Desist Request Please cease all reporting and communication of inaccurate information to any third-party entities until this matter is resolved. I request immediate removal of the disputed item ( XXXX ) to prevent further harm to my credit profile. 

XXXX of Dispute Result I request written confirmation of the verification process for each disputed item, along with any documentation or evidence reviewed in making the determination. Additionally, should the disputed information remain on my report, I request a clear explanation of the verification method and results, as required by law. 

Failure to comply with this demand XXXX result in further action, including reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies for damages. 

Please send a formal response to this letter within XXXX business days of receipt. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I addresses are incorrect and because its incorrect you have failed to ensure maximum possible accuracy according to the FCRA. Delete these addresses please violated my federal rights 15 USC 1681e ( b ) Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : remove NAME Also known as XXXX, XXXX : remove XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : remove - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have been paying on a student loan from Great Lakes Higher Education for 28 years. I have records of all my payments which totals {$57000.00} The original loan was {$17000.00} on XXXX XXXX 1991. 
They say that I still owe {$38000.00}. 
They are going to take my tax refund and garnish my wages very soon if action is not taken. 
I have repeatedly written letters, applied for XXXX Forgiveness with no results. 
They have turned the loan over to a collection agency ; XXXX XXXX XXXX which I have also written and received the same reply, that I still owe the money in question. 
PLEASE HELP!!!
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. 


I told Experian, Transunion, and Equifax to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX, Reference # 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. 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

Eastern Account System. Dear Sir/Madam, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and I will take all necessary legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has ceased collection on XXXX XXXX account for XXXX. Transunion has not deleted it but it's been deleted from my XXXX  credit report.
Product: Money transfer, virtual currency, or money service

Hello, I transmitted XXXX $ to recipient in India via Remitly ( https : //www.remitly.com ) on XX/XX/XXXX. Money was supposed to recvd by recipient with in 24 hours.

As of now, XX/XX/XXXX, recipient still has not received the money.

I called them about the customer service, they asked me to provide them with bank statement which was provided to them on XX/XX/XXXX.

I have been repeatedly calling them almost every other day ( plus I have emailed them ), all they tell me is, that they are waiting for a reply from their partner bank.

I have asked them to provide me a number of someone sitting in USA, they have not provided me that.

I have asked for a refund, but again the same answer, that they can not do anything till they receive a reply from partner bank.

I really don't know what to do for this is customer harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my dispute, I sent a follow up dispute ( XX/XX/2019 ) by means of a credit repair Organization,  XXXX   has failed to respond. They have violated the FCRA in that it has been more than 30 days. Please see items below XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One bank advertised on XXXX about their Quicksilver Cash Rewards XXXX -- {$200.00} bonus if used for {$500.00} in first XXXX months, and 0 % APY on balance transfers for XXXX  months. On XX/XX/2023, I selected " apply here '' and completed the Capital One application which was approved. I received the card in the mail and activated it the same day by phone -- XX/XX/2023 -- the front side was identical to the card described and pictured on the XXXX XXXX website. I then used it for over {$600.00}, well within the time required to earn the bonus. On XXXX XXXX I called Capital One customer service, and was informed by the representative that the credit card i had received from them did not qualify for the {$200.00} bonus feature or the 0 % apy feature on purchases or balance transfers.After considerable discussion, she continued to maintain the same position. I asked to speak to her supervisor and he came on the line and I told him the whole story. He insisted that the card i was sent did not contain those features. I suggest that he might be violating federal law, but he did't waiver from his position. on the same day of the troublesome phone call, they sent me a letter announcing a 29.74 % apy 0n balance transfers. I have always paid the statement balances, on time on this card.
Product: Debt collection

After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported a few late status on my credit report. I paid on time and the account is now closed.