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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting two accounts in my credit profile under an authorized user. Let me be clear I have never held a XXXX XXXX card for XXXX nor XXXX  much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my Experian report, however, I have confirmed the existence of these accounts with XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2020 XXXX XXXX XXXX reported on my experian credit report. I reached out to exeperian by phone immediately to dispute to advise this must be fraud because 1 I never been to the hospital called XXXX XXXX and never recieved a bill. While in dispute with them I contacted the company XXXX  as well as the original creditor not only they couldn't find me I kpt getting transfer to numerous departments which was quite frustrating. Experian advise the debt was accurate but how can this be I sent debt validation letter to XXXX and never recieved an response but the account is still reporting I also sent method of verifcation to Experian asking how did they verfiy they debt because I tried to get info from the orginall creditor and collection agency and no one couldnt find me. I literally close on my house in a few days and i tried the correct way to get this cleared up i contacted the creditor the collection agency with no avial THIS IS FRAUD! I would unverified fraud account removed from my credit file
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXXXXXX Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XXXX  that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ).

With my rights under this law, I am requesting the removal of the following student loan accounts from my credit report, and I officially opt out of any reporting of these accounts to any credit reporting agencies.
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. XXXX XXXX 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 card or prepaid card

I currently have a total of four ( 4 ) virtual prepaid XXXXXXXX XXXX on a digital wallet, and the only cards I am able to add to this digital wallet are from XXXX XXXX who provide me a " token '' /code to redeem the virtual card provided. 

On Monday, XX/XX/XXXX, I used one of the four cards in this wallet to make a purchase for a cellphone at XXXX by XXXX. The order DID NOT process and the pre-authorization hold was immediately released by the merchant. This is evident by the fact, when I call the customer service number to hear the transactions on the card, it states : " An adjustment of XXXX was made on XX/XX/XXXX '' For whatever reason, I am not able to view my transactions online as I should be able to and I have brought that to the attention of customer service. I am also NOT ABLE to add the card to my XXXXXXXX XXXX digital wallet as the FAQ 's state I am able to do. That issue I brought that to the attention of customer service over three ( 3 ) weeks ago and still have not received any resolution or explanation as to WHY I am not able to do so.

Being I am NOT able to view my transactions online as I should be able to, the only way I can determine what is and is not posted to my account is by listening to the automated system. 

My issue is the adjustment of {$81.00} on XX/XX/XXXX. Whenever I have contacted customer service via telephone, or online chat, I am told it is a pre-authorization hold still, which, is NOT TURE. If there is a pending transactions on the card, the automated system DOES NOT mention it. If there has been a refund it states adjustment, and if there is a completed purchase it say purchase. 

I have asked to speak to a supervisor and EVERYTIME regardless of the time, NO SUPERVISORS are available. XXXX has stated to me on the phone and via email the pre authorization hold was immediately released because of the technical error. I want/need to have the funds released. 

Customer service has told me everything but the truth from, well because it is a XXXX it can take 60 days to be credited back to the account, when I have had other purchased refunded and the automated systems states the date of the purchase and the date of the adjustment. Ironically there is no PURCHASE of the XXXX transaction that I am complaining about and want access to the funds
Product: Student loan

I am a borrower impacted by the Joint Consolidation Separation Loan Act I contacted Mohela about our loan # XXXX by phone the beginning of XXXX asking for a 30 day forbearance and they verbally granted it. But they are still sending a bill for it. I emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX explaining this to them and they only responded with an explanation that I already have a forbearance on this loan, but they are referring to my other loan # XXXX which is part of the pandemic forbearance. I tried calling and was placed on hold for 120 minutes and when someone answered, they took my personal information and put me on hold back at the beginning cue that said " your approximate hold time is 100 minutes. I had to go back to work and could not hold for an additional 2 hours. 

I also completed my annual recertification information on XXXX and they are sending me letters stating that I have not done it and increased my payment by {$300.00}. 

I also emailed asking for a PSLF forbearance due to our application sent in for the temporary waiver and they have not granted it.
Product: Mortgage

We filed a Complaint # XXXX with your office against Green Tree Servicing for harassment and Illegal debt collection practices in XXXX 2014 and you closed our case, and then the XXXX fined this company over XXXX XXXX dollars. We are confused as to how our case was closed when we have still taped recordings of the harassment, as well as, the improper and illegal collection practices they used. In addition, this company has now added double the debt to our credit reports and completely tarnished our credit. This company has now changed it 's name and is continuing their deceptive practices. We were denied a loan modification even after we were approved for the HOPE with XXXX XXXX our XXXX Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and these fraudulent accounts have affected my credit reports. I will attach supporting documentation to support my claim. I will include a Federal Trade Commission report, Notarized Statement to support my claim along with proof of my identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agency agreed to a pay for deletion on this account. Account has been paid in full as agreed between myself and agency.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX 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 XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( 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

Trans Union and XXXX also has the BK reporting incorrectly. XXXX does not have on their report and should not BK was dismissed and closed XX/XX/XXXX. They have confirmed somehow that is has been XXXX. 
I will upload all documents I have : Please review and update supplement : XXXX case was never XXXX. XXXX XXXX This case was then reopened XX/XX/XXXX and then terminated XX/XX/XXXX BK case closed/dimissed XX/XX/XXXX XXXX XXXX 's case was closed without a discharge of debts. Then, a pre-bankruptcy asset was discovered, so the case was reopened. Then, the asset was liquidated and distributed to creditors, and the case was re-closed -- again, without a discharge. That is the correct procedure. 
XXXX 
XXXX. 
XXXX XXXX XXXX, MO XXXX Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX CH-XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy XXXX CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

My consumer rights have been violated severely, my consumer report is extremely inaccurate and a clear misrepresentation of who I am and my credit worthiness. Besides being involved in XXXX data breach I do not see how credit bureaus made the mistake of allowing this many inaccuracies or fraudulent accounts take place. I am requesting an immediate removal of accounts filed in ftc report along with my 605B and proof of who I am. XXXX, XXXX, and Transunion will not allow me to access an account for a free version of my credit report so I was forced to purchase from credit hero and I have included each unverified and inaccurate piece of information allowed to be place on my consumer report. I am completely disheartened and mentally struggling due to the unfair practices being allowed on me as a consumer. 

- I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists -Violation of 15 USC 16811 ( a ) ( 6 ) B ) ( il )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has fraudulently sold my acct that was upheld with them to a collection agency I have no knowledge with or given my consent to having my personal information provided to them directly with written consent. XXXX has committed identity theft and fraud without my knowledge to a company called Credit Collection Services. I am unaware of this company and according to 18 USC 8, I, the consumer, do NOT owe any or alleged debt, it ALL belongs to the UNITED STAES Co.! I have placed a dispute with XXXX the credit reporting agency and they have stated it is verified. Since I am a natural consumer that has been falsely proven and which was thru a computer generation and according to congress 15 U.S. Code 1679b they are in violation of allowing an agency to report falsely nd it prohibits them of false practices. My privacy is violated by XXXX providing information to falsely report and misleading information to appear because I do NOT know who CREDIT COLLECTIONS SERVICES is! I am sending this complaint because the XXXX reporting company continues to update 2 or 3 times each month, which brings my score lower than the normal 1 reporting time each month. 
They have already violated my rights as a consumer under 15 USC 1692 ( p ) law. I have a privacy right 15 USC 1681 and at this time I am exercising my right by filing this complaint. Neither company has submitted or requested a 15 USC 1692g validation of debt and I have numerous and XXXX just keeps issuing a statement but not with a negative balance. Answer me this, If a consumer owes an alleged debt how come it is not reporting a negative balance amount on the statement? Its because I extended my credit to XXXX thru my SOCIAL SECURITY NUMBER and they are falsely XXXX5 USC 1692e as well as allowing CREDIT COLLECTIONS SERVICES violate 15 U.S. Code 1692f - Unfair practices.
Product: Credit card

Complaint against Home Depot Credit Card Issued by Citibank Respondents : 1. Citibank , N.A .

2. Home Depot ( as Co-Brand Partner with Citibank ) Subject : Violation of Fair Debt Collection Practices Act ( FDCPA ) and Deceptive Practices in Payment Plan Agreement Complaint Summary : I am filing this complaint against Citibank and Home Depots co-branded credit card program due to misleading and unfair practices regarding a payment plan that I agreed to for my credit card account. Despite my compliance with the payment plan terms, Citibank is demanding inconsistent payments and misrepresenting my account status, resulting in undue financial stress.

I was past due on my Home Depot credit card account issued by Citibank. After discussing my financial situation with Citibank, we agreed on a payment plan in which I would make a monthly payment of {$120.00} starting in XX/XX/year>. 

In compliance with the payment plan, I made the first payment on XX/XX/year>, in the amount of {$220.00}. This was acknowledged by Citibank, and I was assured that future payments would be {$120.00} per month.

Despite the payment agreement, in the next billing cycle, Citibank demanded a payment of {$250.00} for XX/XX/year>, citing that the account was still past due. This demand was made without providing detailed information about the terms of the agreement that would justify their claim that my account remains delinquent.

Citibanks actions are not only confusing and deceptive but also make it legally challenging for me to ensure that my payments are properly applied, as I am unaware of how they are determining the past due amount.

Unfair Debt Collection Practices : Citibank is misrepresenting the status of my account by demanding amounts inconsistent with the agreed payment plan. 
I complied with the plan by making the XXXX payment in good faith. Citibanks demand for a {$250.00} payment breaches the agreement and is misleading.

Deceptive Practices & Lack of Transparency : Citibank has failed to disclose critical details about how the payment plan applies to my account balance and past due status. 
Without clear documentation of the terms, I am unable to verify how my payments are applied, creating obstacles for CFPB oversight.

Citibanks miscommunication is causing financial hardship by placing me in a catch-22 situation : I am being told that my payment plan applies while simultaneously being required to make larger payments that I did not agree to.

This raises concerns about Citibanks compliance with federal regulations on fair and clear credit practices.

Requested Relief :
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/17, I reviewed my XXXX credit bureau reports, and mailed dispute letters detailing multiple inquires that I did not recognize OR authorize. There were only a few on the reports that actually belonged to me, so they were not included in the dispute letters. I am not sure if this is due to fraud, but I did not ask authorized these companies to access my credit reports. I would like to clear up these multiple errors. I have attached the letters that were sent to each Credit Bureau. The applicable inquiries are listed in the letters. The mailed letters were signed and dated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I AM A VICTIM OF ID THEFT I NEVER GAVE PERMISSION FOR ANY OF THESE ACCOUNTS
Product: Debt collection

My husband had his social security card stolen and we never knew about a XXXX account made in his name. We never got any letters or anything and we get numerous call everyday and night from different numbers about he owes XXXX to XXXX. Like I said we have never gotten one letter about this and me and my husband get calls and I don't know why they call me. I have told them over and over we have an investigation going on to see what it is they won't give me an account number or anything. I have asked them numerous times to stop calling every 5 minutes while we are at work and at night but they won't stop. The numbers show up as unknown and restricted. And never leave messages. Last night the lady got really mouthy with me And said further actions would result.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Fourth Round Complaint Regarding Inaccurate Late Payment Reporting on XXXXXXXX XXXX XXXXXXXX Account Dear CFPB, I am filing a formal complaint against Equifax, XXXX, and XXXX for their failure to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX High Balance : {$1900.00} ( XXXX and XXXX ), {$0.00} ( Equifax ) Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX ( XXXX XXXX Account Status : Closed ( XXXX and XXXX ), Open ( Equifax ) Payment Status : Late XXXX XXXX ( XXXX and XXXX ), Current ( Equifax ) Credit Limit : {$1700.00} Despite multiple disputes initiated on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the inaccuracies persist. While XXXX has removed the late payments, the Payment Status on the credit report continues to indicate " XXXX XXXXs Late, '' which is incorrect and misleading. Furthermore, XXXX and Equifax continue to report late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These dates are inconsistent and unsupported by my payment records. 
Evidence of Errors and Discrepancies : Payment Status Inconsistencies : XXXX correctly removed late payments but still marks the account as " XXXX XXXX Late '' in the Payment Status field. 
XXXX and Equifax continue to report erroneous late payments. 
Account Status Discrepancies : XXXX and XXXX report the account as Closed, while Equifax lists it as Open. 
Credit Limit and High Balance : High balance differs across bureaus : {$1900.00} ( XXXX and XXXX ) versus {$0.00} ( Equifax ). 
Creditor Remarks : Equifaxs remarks state : " Consumer disputes - reinvestigation in progress, '' yet no corrections have been made. 
Violations of Federal Laws : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit bureaus must ensure the accuracy of information and reinvestigate disputes thoroughly. 
15 U.S. Code 1681e ( b ) : Credit reporting agencies are required to maintain maximum possible accuracy in consumer reports. 
2. Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before payment due dates. Late payment reporting suggests non-compliance. 
3. Protection Against Non-Payment of Obligations Act ( PAANL ) : Reinforces the necessity of timely and accurate disclosures to prevent unfair penalties. 
Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report across all three credit bureaus. 
Correction of the Payment Status field to " Paid as Agreed '' or equivalent. 
Written confirmation of all corrections made. 
I request the CFPBs intervention to ensure compliance with federal laws and to hold Equifax, XXXX, and XXXX accountable for their negligence in addressing this matter. Enclosed are copies of my previous dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, along with supporting documentation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.