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

XXXXXXXX XXXX in XXXX XXXX responded numerous time 's to my complaint recently XX/XX/28 with CFPB that said argument they don't own this debt but still showing on all my reports XXXX and XXXX which received documents showing results as well XXXX XXXX responded to you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I recently viewed my credit report and noticed inaccurate information. XXXXXX/XX/XXXX is showing a late payment status over 120 days late. This information is in accurate. I have never been late with XXXXXX/XX/XXXXand This debt was discharged in a bankruptcy that I filed XX/XX/XXXX and completed XX/XX/XXXX. Please see the attached discharge documentation that includes the debt being discharged back in XXXX. Since the bankruptcy I have not taken out any new loans with XXXX therefore the late payment report in XXXX is inaccurate. I would like this information removed and this old account deleted from all 3 credit bureaus.
Product: Debt collection

Was contacted on XX/XX/23 through XXXX that my credit report showed a new collection account. Saw that the collections agency, Sunrise Credit Services , Inc., had placed a collections regarding an XXXX XXXX XXXX  debt. When I called them, they stated the account was originated in California and sent me a fraud packet to fill out. The debt was for {$2000.00}.
Product: Mortgage

Rocket Mortgage sent a notification of servicing transfer later than required by statute. Thus, the notification was defective ( late ). 

In addition, Rocket Mortgage indicated ( via phone ) that no payments would be marked " late '' for 60 days. However, as of XX/XX/XXXX the new service has provided information in writing that a late fee will be assessed on XX/XX/XXXX. They have not provided a new account number of any other correspondence. 

Because of these defects, the loan transfer should be cancelled and the loan should stay with Quicken Loans.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. Don't turn my dispute into a 3 day dispute. I request under section 605B that it ALL be REMOVED of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that XXXX, my student loan provider has reported my current loan status to credit bureaus. I noticed my credit score dropped for no reason. The only thing I believe could have impacted my score is utilizing the CARES Act and going into an emergency forbearance. However, based on Cares Act sect. 3513 loan servicers are supposed to report suspended payments to credit bureaus as if the payments have been made and NOT use any type of forbearance or deferment code. I believe some of the servicers are not reporting correctly. On XX/XX/XXXX my XXXX  score dropped by 14 points even though my balance for my student loan had dropped. After filing an investigation with XXXX  it appears that XXXX is reporting to the credit bureau that my repayment status is in forbearance. This goes against Cares Act sect. 3513 : ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ; or and ( d ) REPORTING TO CONSUMER REPORTING AGENCIES.During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. 

Forbearance is typically a derogatory mark on ones credit report but since this is a special forbearance it shouldn't be counted as such per the above section of the CARES Act.

According to the Cares Act sect. 3513 loan servicers are supposed to report suspended payments to credit bureaus as if the payments have been made and NOT use any type of forbearance or deferment code. I believe XXXX  is not reporting correctly. I will be filing disputes with all three credit bureaus as this has had a negative impact on my score when per legislation this should not be the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to the creditor asking them to reverse these late payments. They havent abided by what I requested and they also violated my consumer law because they never gave me the option to opt out from reporting this information to a 3rd party. 15 U.S.C. 6802 B Obligations with respect to disclosures of personal information. 
Creditor : XXXX XXXX, Account : XXXX Reason : I paid on time but you're listing me as late for XX/XX/2022- Please update to paid on time! 

Creditor XXXX XXXX XXXX XXXX, Account : XXXX Reason : I paid on time but you're listing me as late for XXXX and XXXX of XXXX  - Please update to paid on time!
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

ESO CCA added a old bill to my XXXX Report that was more than 7 years old and report it as new and recently open. It was removed from other 2 credit agencies but XXXX won't remove after dispute. Is it not illegal to recycle old debts as new and credit agencies allow it?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 60 days 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. XXXXNever 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 XXXX
Product: Debt collection

A certified mail document was sent to the wrong address. I havent lived at this address in over 6 years. With that being said, without being officially served, I had to look up the court documents. Which states I have a court hearing on XX/XX/2022. Midland Credit Management is currently suing me, improperly had legal documents served to an incorrect address. This company has been harassing me, through several phone calls to myself and loved ones. I havent received any documentation in the mail or sufficient evidence from Midland Credit Management regarding the reason why these charges were recently filed against me. I have no information regarding what debt this company is trying to collect.
Product: Vehicle loan or lease

M & T Bank admitted to discrimination thru adverse action on a consumer extension of credit, adverse to my interests after I exercised my rights in good faith, this action is unlawful as it is unlawful for any creditor to discriminate against any applicant with respect to any credit transaction. I exercised my Right to credit protected by laws that Congress has set into place 12 CFR 1002.7 to protect me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

Our mortgage was being serviced by TD Bank when we decided to refinance. We closed on our refinance on XX/XX/2021. Our XXXX mortgage payment did not go through prior to the refinance and so there was an overpayment amount, in addition to the escrow balance owed back to us By TD Bank. 

I called to inquire about the money they owed us mid-XXXX. They allegedly cut a check XX/XX/XXXX in the amount of $ XXXXish. I don't have the exact amount. Well, it never reached our door even though I've received THREE other mailers from them. 

I called today to ask about them resending another check. I asked if I could pick it up at a local branch or if it could be mailed priority. ANYTHING. They were unmoved. They told me it would take 5-10 business days just to cancel the check. Then it would take another 10 business days to CUT a new check. Then it could take up to 30 business days for us to RECEIVE the check. That is about 8 weeks from now. When we should've received the check over a month ago. 

This is unacceptable. The timeline for the receipt of a check. RIDICULOUS. They are withholding my money on a timeline that suits them with complete disregard for the consumers they adversely impact.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The debt was held by Portfolio Recovery Associates, I negotiated, in good faith an old debt of {$8800.00} to be settled, and considered paid in full for the amount of {$4400.00}. I have a settlement letter as proof of settlement. My 3 credit bureaus are not reporting this as settled in full and still shows an outstanding balance. I was told this debt would be removed from my credit report, but it had not, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Capital One Bank USA N to validate a false debt that they put in my name and has been negatively effecting my credit report, it has been over thirty days since I sent the first letter which they have failed to respond to with a validation, they continue to send me emails about updating the my information since they do not have the proper information on my to validate it.
Product: Credit reporting or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g 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 suppose to modify accounts that isn'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 a account without my written instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 XXXX instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. 

Account : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account : XXXX  XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} Account : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance XXXX {$1400.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}
Product: Credit reporting or other personal consumer reports

Macy's/Citibank , N.A . 
Account number : XXXX Age of account : 8 years and 3 months Attention : Macy 's or whom it may concern, I am writing about the above account and why is it still on my credit report after all these years and paid. I an requesting that Macy 's remove this negative, paid information from my credit report as an act of " goodwill '' because this account has been paid.This is hurting me, my life, my credit history and score. Truthfully, this is unfair because I paid what was asked and owed, but you don't care. So, I'm taking the initiative to write a review on Macy 's to corporate and let your collection practices and your business become exposed and damaged. It would help me immensely if you could make a goodwill adjustment to remove this from my credit report. Thanks and I hope my request is approved.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Today on XXXX/XXXX/XXXX, I went into the chase bank branch located at XXXX XXXX XXXX, XXXX, TX XXXX and I was mistreated by XXXX the branch manager. I was told by Chase Loss Prevention to go into the branch to make my opening deposit and show XXXX forms of ID to the banker. I did this and called the LP department back to remove my online suspension. They said we need a banker to call us while you are at the branch. I go back and follow the LP 's instruction and XXXX the branch manager went into the system and lied and said that she could not identify me which is not true because video will prove otherwise and then she accused me of having an account with them in XXXX which is not true. I even explained to her that I had my credit frozen due to identity theft and she did not care. I told her that the only thing she was suppose to do is have me verify my external account from where my funds were transferred from along with my ID. I did everything I was told but because I am XXXX XXXX she flat out called me a liar and said I will make sure that my team closes out your account today because we do n't need your kind to have an account here. I have never been so embarrassed and treated so unprofessionally in my life. Now the bank is closing my account because of a deceptive practice that XXXX did in the computer system.
Product: Credit card

I have been charged a total of {$160.00} since banking with Citibank that I have never agreed to. I believe they have been charging me without my consent and unfairly for some service I am not familiar with. 
When I just tried calling them, I was transferred to XXXX different departments. Finally the last one that handles the " safeguard charges '' could only cancel the service and told me that in 30 days after their investigation is complete, I would hear back from their investigations department. I asked if I can speak to someone that can explain the charges and how much I will be credited back and was not given any response besides you will hear from them in 30days to determine the outcome. When I asked the girl if she put in a request if she can confirm that we have the same amount and her amount was greater as I only have access to the last 2 years. Her amount was {$160.00} and I am going with that as I do n't have full access to my account online.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX...
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report