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

Equifax is reporting information on my credit report from XXXX XXXX that has not been validated. 

I want proof that in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : GENERAL XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : CONSUMER XXXX. EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY. 

XXXX XXXX is required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

Please provide copies of the required notices and proof that they were sent to me : Notice of Default and Right of Redemption/Right of Reinstatement Notice of Intent to Sell Property How they Calculated Your Surplus or Deficiency
Product: Credit reporting or other personal consumer reports

On two separate occasions, I sent proof of incorrect information to XXXX and requested that they remove/ update the incorrect information. The first time was approximately XX/XX/XXXX and the second on approximately XX/XX/XXXX. In both cases they did NOT update or even honor my request, even though by law, they must. Here is the reponse I received by them, via email, on XX/XX/XXXX and then again on XXXX XXXX XXXX  : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at XXXX  '' This is clearly an attempt to thwart my efforts and is not proper. Please let me know the legal remedies I have against XXXX 

Thank you, XXXX XXXX
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account I C SYSTEM ( Original Creditor : XXXX XXXX XXXX ) with Account number XXXX and a Balance of {$300.00} is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my car repossessed during the pandemic because I could not pay it. XXXX, the original creditor, listed the repossession in my credit report as a charged-off account. Eventually they sold the account to a collection agency called XXXX XXXXXXXX XXXX, who started listing the account in my credit report as a collection. For the last five months, both XXXX and XXXX have been reporting the same account. Reporting duplicate accounts in the credit report is a violation of the FCRA. I have written to the credit bureaus ( XXXX, Equifax, and XXXX ) as well to as XXXX to delete the duplicate account and they have all ignored my requests and are still reporting the duplicate account in violation of the FCRA. 
The attached documents show dates of when I have written letters to the CRAs and XXXX asking them to remove the account. I am also including the credit report I pulled today that shows the duplicate account still being reported by both XXXX and XXXX.
Product: Credit card or prepaid card

Received a promotion for the Apple Card from Apple that if I signed up for a new card I would receive {$150.00} dollars if I spend {$1000.00} dollars in the first 90 days. If I clicked on the link provided. I applied and receive my credit line and bought a new Apple computer. I called about 20 days late and asked how the {$150.00} got applied and was told it should have all ready been applied but was not. The Goldman Sachs associate said she would open an investigation into it. It was the end of XXXX that I spoke with her. On XX/XX/XXXX I received a email stating that they need a copy on the email link to verify that I got that promotion. I called and talked to a Supervisor on the XXXX and stated that I did not keep the email. The promotion did not say or require you to save it. The supervisor said she did not know why they wanted it and would look in to it. On XX/XX/XXXX I received the same email again for verification that I signed up for the promotion. I called again and talked to a supervisor and she said I meet all the requirements and did not know why but she would have a manager call me. XX/XX/XXXX manager called and said unless I have the email link they would not help me. I deleted the email after I got approved for the card. It does not say anywhere in the promotion that I had to save the link. The manager said that the promotion is a good promotion but only with that link. Goldman Sachs refuses to help with any of this. Can you help or tell me what other course of action I have. Never have I ever had to save a link for a Promotion!!!!
Product: Debt collection

I had an account with XXXX XXXX # XXXX with secivce address XXXX XXXX XXXX XXXX tx. And I moved from the address on XX/XX/2022 and I called XXXX XXXX to transfer my service to my new service address XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas on XX/XX/2022. And the told me the don't have service on that address. Because the network is very poor and slow. 
So I told the to disconnect my service.which I did And I switched to spectrum. Will send the proof. 
XXXX XXXX  kept billing me every month and I emailed see the attached. They keep saying the fixed the problem. 

I have attached proof when I switched to XXXX  The only thing I own them its the equipments and will drop the off asap
Product: Credit reporting, credit repair services, or other personal consumer reports

A REQUEST FOR BAYVIEW LOAN SERVICING LLC LOCATION OF XXXX FLORIDA TO REPORT XXXX XXXX XXXX SINGLE FAMILY HOME OWNER MORTGAGE SALE ON AROUND XX/XX/2017 TO THE THREE MAJOR CREDIT REPORTING AGENCY 'S 1 ) XXXX   2 ) XXXX 3 ) XXXX XXXX. LOAN # XXXX PROPERTY ADDRESS : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XX/XX/2020 for 30 days lates. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Mortgage

Previously submitted here as XXXX. YOU SENT LETTERS TO Caliber and they said they'd fix, but worse now! 
In mid XX/XX/XXXX  Caliber awarded me a 90 day deferrment on my mortgage payment when I called them as knew I'd be late on XX/XX/XXXX  payment. They said this would prevent negative remark of late payment on my credit. Within the 90 days I had my mortgage current. Caliber also sold /transferred my mortgage to their sister company XXXX and have been current since. Caliber was who advised me to apply for the deferrment so my late payment would NOT be reflected on my credit. I AM STILL GETTING CORRESPONDENCE FROM CALIBER THREATENING FORCLOSURE AS BEFORE WHEN I SUBMITTED COMPLAINT REFERENCED ABOVE AND NOW I SEE THEY HAVE REPORTED A LATE MORTGAGE PAYMENT ON MY CREDIT REPORT!!!!! I AM CURRENT ON MY MORTGAGE WHICH IS NOW THRU XXXX. 
XXXX ) : I want this threatening correspondence about forclosure to stop. When I call Caliber it says they no longer own my mortgage and automatically transfers me to XXXX. XXXX says I have to talk to Caliber as I am current with payments. Have sent Caliber cease and desist letter ... .they persist! I have spent hours on hold calling them without resolution. 
XXXX ) : I want the late mortgage payment removed from my credit report on all credit bureaus and a letter in writing stating this. Caliber said the forbearance would preclude any negetive credit reporting. 
My mortgage is current. I am continuing to live in and pay for my home and plan to keep living here and owning my home. This needs to stop. It's causing undue stress and has been ongoing since XXXX or XXXXEnough already.
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 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, 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 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 the information is inaccurate
Product: Credit reporting or other personal consumer reports

Have had difficulty for the last 5 days in trying to access and reset my Experian password. The system does not seem to recognize my phone number and I have tried to call Experian Customer Service phone number but can never get someone to answer the phone. Can you assign an Experian executive rep to handle this complaint and address my concerns to get into my Experian account?
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Inaccurate Credit Report Information under FCRA To Whom It May Concern, I am writing to formally dispute the inaccurate and erroneous information appearing in my credit reports maintained by XXXX and Experian. As a veteran of the United States military, these inaccuracies have caused substantial harm to my financial standing and creditworthiness. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Sections 611 and 623, I demand an immediate investigation and correction of the following erroneous entries related to my XXXX XXXX account : XXXX : Account Number : XXXX Account Type : Revolving ( Charge account ) XXXX Code : Individual Account Status : Open Monthly Payment : {$230.00} Date Opened : XX/XX/XXXX Balance : {$8100.00} High Credit : {$8400.00} Credit Limit : {$8200.00} Past Due : {$400.00} Payment Status : Late 60 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Payment History : [ Detailed payment history ] Experian : Account Number : XXXX Account Type : Revolving ( Charge account ) XXXX Code : Individual Account Status : Open Monthly Payment : {$230.00} Date Opened : XX/XX/XXXX Balance : {$8100.00} High Credit : {$8400.00} Credit Limit : {$8200.00} Past Due : {$400.00} Payment Status : Late 30 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Payment History : [ Detailed payment history ] The inaccuracies are as follows : Inconsistent Payment Status : XXXX reports a payment status of " Late 60 Days, '' while Experian reports `` Late 30 Days. '' This inconsistency is a blatant violation of the FCRA 's requirement for accurate reporting as outlined in Section 623. 
Inconsistent Date of Last Activity : XXXX lists the date of last activity as XX/XX/XXXX, whereas Experian lists it as XX/XX/XXXX. This discrepancy violates the FCRAs mandate for accuracy and completeness under Section 611. 
Erroneous Late Payment Reporting : The reported late payments are inaccurate as I have consistently made timely payments. This erroneous reporting is not only unjust but also a direct violation of the FCRA. 
Enclosed are copies of my account statements and payment receipts which irrefutably demonstrate my compliance with all payment obligations. I demand an immediate and thorough investigation into these discrepancies. 

Under Section 611 of the FCRA, you are legally obligated to complete this investigation within 30 days. Should these inaccuracies not be resolved within the stipulated timeframe, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and will not hesitate to seek all available legal remedies under Section 623. 

This dispute is of the utmost urgency and requires your immediate attention. Please confirm receipt of this letter and provide me with a corrected copy of my credit report post-investigation. Additionally, notify all parties who have accessed my credit report in the past six months of these corrections. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

XXXX Fraud was reported on the card in XXXX. They closed the account. Would not let me pay anything towards the account. It has been in charge off status since XXXX  They say the balance is {$7300.00} They say they will not except payment or remove from my credit report. I am getting no resolution from this company. I have made several attempts to get it removed from my credit, but they refuse to help me in any way. I believe this is against my rights as a consumer and it should be removed from all credit reporting agencies.
Product: Student loan

On XX/XX/24 I called Aidvantage regarding my federal student loans because I had a higher payment amount expected ( billing statement {$350.00} and online account balance {$630.00} do not match ) Over the phone, the representative XXXX XXXX, notified me that because my account was adjusted today on XX/XX/24 with a new payment amount after the FSA recertification of income for IDR plan was applied ; I was expected to make the higher payment within the same billing cycle, which is due in less than 24 hours on XX/XX/24. 
I was not provided any communication from FSA or Aidvantage on when the new payment or due date of payment would begin. After the representative spoke with her supervisor, the options given to me were to enter forbarance or change the billing date. The representative confirmed with me that no communication had been emailed/sent to my account inbox or mailed to me regarding the new payment or account adjustment that had been made in the last 24 hours.
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 XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

I have made multiple transfers from XXXX to my US Bank checking account using both 1-3 day delivery and instant transfer with no issues. However, I made an instant transfer of the balance of my XXXX to US Bank on XX/XX/2023. The transfer was initiated at XXXX XXXX  and showed as completed at XXXX XXXX. The funds were never credited to my US Bank account. I filed a Reg E dispute claim for the missing deposit and received a denial letter on the 10th business day by mail. I had already contacted XXXX and was provided a tracing number for the bank-to-bank Real-Time Payment network transfer of {$290.00} XXXX XXXX ) as this is not considered an ACH transfer. US Bank has done nothing to attempt to locate where the funds went or credit my account. This information was provided to them when I filed my dispute for the missing deposit. The OCC states the issue does not fall under its jurisdiction and referred me to the CFPB. It is frustrating that is has been 2 months and the bank nor the regulator want to performance their due diligence in resolving the issue. The funds did not just disappear.
Product: Debt collection

As per Complaint XXXX. I Informed them to stop all communications in regards to a debt that does not belong to me. And yet, they sent another email threatening legal action if the debt is not paid. I have never received anything to confirm that this debt was mine in the first place, and years ago They used the same scare tactics and threats to get me to sign something I did not believe belong to me. Nothing to confirm my signature agreeing to the said " XXXX XXXX ''. There was no contact in 2020 for them to close out the account and start a new one. Please see screenshots that show they still have the account listed as a car loan on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Company violated its covid 19 arrangement. Multiple reps and supervisors advised account minimums were reset to zero due for two consecutive billing cycles. 

XXXX and XX/XX/2020 were not late at all and the account was paid off completely XXXX XX/XX/2020 important to note Ive been a customer for 8+ years never once have I been 30 days late
Product: Debt collection

The alleged debt in question appeared on my credit report. On XX/XX/XXXX, I sent an initial letter requesting validation of the debt within 30 days as required by law. The letter explained that I was disputing the debt and requested proof it was valid. To ensure proper delivery and documentation, I sent the letter via certified mail, and the USPS tracking code XXXX XXXX XXXX XXXX XXXX XXXX confirms that it was received. 

In XXXX, I reviewed my credit report again and noticed that I had not received any response or validation of the debt from the creditor, yet the alleged debt remained on my credit report. Subsequently, I sent another letter reiterating my request. This letter explained that I had seen no proof of the debt from their side and highlighted their obligation to comply with the law. Although I referred to this letter as the third one in my communication, I acknowledge that it might have been my second formal request. This letter was also sent via certified mail, and USPS tracking code XXXX XXXX XXXX XXXX XXXX XXXX confirms its receipt. 

On XX/XX/XXXX, I received a response from the creditor. However, this response was not a proper validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Instead, it was a letter stating that the creditor had already conducted an investigation and would not reopen the matter. Notably, this claimed investigation failed to fulfill the legal obligation to validate the alleged debt as required by law.
Product: Debt collection

On XX/XX/2014 a judgement was made against me in the XXXX County Court of Common Pleas. The Collection Agency involved is XXXX XXXX XXXX, working on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The amount stated in the original Order was for {$23000.00} and is currently stated on a wage garnishment Order as being {$26000.00}. I felt it was strange that a wage garnishment would take effect five years after it went through a court system. I looked into XXXX XXXX XXXX XXXX XXXX XXXX and found that the CFPB had proposed it's own Consent Judgement against XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Currently, my wages are being garnished at 25 % and with the garnishment being decided three years prior to the CFPBs own opinion, I would like for the matter to be looked into by an outside source.
Product: Credit card or prepaid card

When having the XXXX account, the company switch there payment services to wells fargo, I was unable to have access to my account, because I was not given the log in, instructions when they were merged, and during this time I was having late payments being reported to my account, and when I was attempting to contact XXXX, there was not communication back. I would like these late payments removed because it lack of communication when being informed Wells Fargo was taking over, and I was unable to make the payments because of it. The months are listed below XXXX XX/XX/2016 XX/XX/2016 XX/XX/2016 XX/XX/2016 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX XXXX
Product: Credit card

Synchrony bank is the bank for the guitar center card. Two months ago the lowered my limit due to a lower credit score by 20 points ok got it. Now they closed my account no reason and no notice. I have never missed a payment and have not violated any terms. They say they sent email but they have not. These actions I belive to be wrong. They have now put this in my credit report it it will stay as closed by creditor for ten years if they don't fix it.
Product: Mortgage

This pertains to a condo I bought and just sold in XXXX, TN. 
Lender : Shellpoint Mortgage Servicing, XXXX, SC. 

" Default interest '' @ 35 % equalling nearly {$25000.00} was charged to me when I missed a few loan payments this past year due to family emergency. I was never warned of this nor is the lender specifying what their damages are to support doing this, which seems highly unethical and possibly illegal to me as I had made up for it in paid penalties/late fees for missed payments. 

Lender has failed to prove/itemize their losses to withhold {$25000.00}.
Product: Mortgage

My loan is in Covid-19 forbearance yet Flgstar Bank is sending and making threating calls stating our mortgage is delinquent and demanding full payment.