23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am on autopay. I made my student loan payment on XX/XX/XXXX, before it was actually due. Aid advantage charged me a second time for almost XXXX on XX/XX/XXXX. I have paid this way to XXXX ( paying my balance before auto pay was due ), and never was double charged under them. In fact, I've prepaid auto pays with tons of companies, including XXXX XXXX, and never had this issue occur. 

I called that day and they said that they would refund the duplicate payment ( but the one I made earlier, so those XXXX  can capitalize on the amount of interest they're charging ), and I let them know they had caused 3 other overdrafts because they had basically emptied my account with the second charge. It's weds, it's not refunded, I have three overdraft charges and my meds are supposed to be delivered today and I won't be able to afford them.
Product: Debt collection

I'm filling a dispute against the company XXXX XXXX loft the furnisher, XXXX, and the collection agency National Credit systems. Over the last 9 months I have sent certified letters threw XXXX asking for proof of debt owed and have not received anything by mail or email. I myself have continued to ask for proof via certified letters and still have not received anything I'm now asking the debt be erased from my credit report it is enabling me to move forward with house rental and other credit loans. Over the last several month XXXX has attempted to refile my debt claim with several collection agency 's even after sending dispute letters XXXX and National Credit systems are the last two that have not dropped the debt claim. According to the Federal Credit law spelled out in the Fair Credit reporting, a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. The last certified letter was received XXXX XXXX this letter was sent by myself and XXXX stating they had only fifteen days to respond with a claim against the dispute not such thing has happened.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). as highlighted in the CFPB 's recent administrative proceeding ( file No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a phone call at XXXX:XXXX XXXX on XX/XX/2019 from XXXX-XXXX-XXXX. It was a recorded message from Midwest Recovery saying that I need to call  a 1-888 number. After it said the numbers 888 II hung up. They did say they were a debt collector but did not say who the messages was for. It was an automated or robo call. I looked the number up in my phone data base security and checked it with the two different security checks I have and both of them stated Scam/Fraud High. The files would not upload.
Product: Mortgage

My loan was recently transferred to flagstar bank, I paid my XXXX payment, and clicked the enrolled in autopay button. After clicking the button, I received this message : AutoPay will be available when your next payment due date is after today 's date. 

I got a text this month after the payment late fee date that I did not pay on time and received a late fee. When I called and contacted the bank, and let them know Autopay should be setup, they said it wasn't. I shared my screen with them, and they said you didn't enroll in Autopay, even though the message above was flashed. My bank account information is store, so Autopay was enacted. They received to current their late fee or make any attempt and helping a loan which was involuntarily transferred to them, even though my efforts and understanding was XXXX setup autopay. As a result, they refused to remove the {$84.00} late fee for their organization 's missleading website.
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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Furthermore, I would like to mention the following important points : XXXX. XXXX closed the account without justification or notification : - Consumer Protection Law ( LPC ) : Article 12. Financial service providers must inform consumers in writing about any changes to the terms and conditions of the services.

- Electronic Transactions Regulations ( RTE ) : Article 22. Electronic service providers must inform consumers about any suspension or closure of an account.

2. All payments were made on time : - Consumer Protection Law ( LPC ) : Article 13. Consumers have the right to receive clear and transparent information about financial products and services.

- Commercial Code : Article 516. Payments made in a timely and proper manner release the debtor from their obligation.

3. The account was opened when I was living in XXXXXXXX XXXX XXXX XXXX XXXX - Consumer Protection Law ( LPC ) : Article 15. Financial service providers must ensure that consumers understand the terms and conditions of the services.

- Tourism Law : Article 22. Tourists have the right to receive clear and transparent information about tourist services.

4. The account was closed in XXXX during the pandemic : - Consumer Protection Law ( LPC ) : Article 16. Financial service providers must act in good faith and with loyalty towards consumers. 
- Economic Emergency Decree : Article 10. Measures are established to protect consumers during the economic emergency.

5. When I finally traveled in 2021 and requested information, it was not provided : - Consumer Protection Law ( LPC ) : Article 14. Consumers have the right to access information about financial products and services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have several unauthorized inquiries on my report. I have contacted all three credit bureaus by phone and email numerous times each month with no resolution. They all provide me with the same script to contact the company which I have and they advise me to contact the credit bureaus. 
Below I have provided the inquiries from each credit bureau. 

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

I recently disputed some accounts they were inaccurate on my credit report. I noticed after the investigation was completed that my XXXX XXXX card has been blocked from use. This account was not part of the investigation and after speaking with the credit bureaus, they confirm that they had not sent any letters to XXXX to have this account blocked. I then spoke with XXXX, and they said that the account was blocked because the credit bureaus had sent them a letter, I have been going around in circles trying to correct this. 

This account was never in my initial dispute, if any information provided by the credit bureaus to have this account blocked from being used. Please send them the. XXXX they are requesting to have it unblocked from you and there is no fraud attached to this account.
Product: Credit reporting or other personal consumer reports

Company has been asked for past 2 years to resolve fraud issues and stop allowing for unauthorized inquiries. As presented by XXXX screenshots its shown Transunion and XXXX have continued reporting fraudulent accounts making it impossible for consumer to obtain credit and housing. XXXX has been up to date and accurate and has been provided to both companies which they ignored and did not run disputed information. When provided with theft report and CFPB disputes companies both ignore and sides with theft coming from reporting companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are fraudulent and have have yet to be investigated
Product: Credit reporting

I pulled my credit report from XXXX, XXXX and Trans Union and an unauthorized entry from XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX, XXXX and Trans Union regarding this account and they have yet to provide any validation regarding this unauthorized account. Trans Union did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  on XXXX  and experian shows late 7 times which i was not i want this removed off my credit report -
Product: Credit reporting or other personal consumer reports

XXXX 's has been reporting fraudulent accounts from XXXX XXXX XXXX XXXX and XXXX XXXX  that were open fraudulently due to id theft they have been informed of these account and sent. The id theft report and police report then they removed them then placed them back on my account experience is in violation of federal and state law for reporting these fraud account on my credit experience need to be held accountable and action needs to be done now
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
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 acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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: Mortgage

I had been working with Bank of America for a loan modification since  XXXX  of  2016 . At that time, i had requested to be reviewed for the HAMP program since the program was going away. The Representative there advised that based on who my Investor was that I was able to apply for the HAMP program and there was still time as long as I applied prior to  XXXX   XXXX . 6 months later, they just barely approved me for a loan modification however, now my payments have increased and i still have an unrealistic interest rate of 6.375 %. I just dont feel that Bank of America  property evaluated me and now I am finding out that they never reviewed me for HAMP in the first place. When i contacted them they said it was too late anyways becau se that program no longer exists!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sub category for my issue so this complaint is probably classified wrong. This complaint is against Transunion. First let me say this complaint will be used as evidence against Transunion in the law suit my lawyer in currently in the process of filing. My credit score with Transunion was XXXX. This was before a collections debt in the amount of {$800.00} was removed from my credit report. Transunion knew that this collections debt with XXXX XXXX XXXX was a fraudulent debt yet they chose to allow it to be reported on my credit report. I finally got it removed. After it was removed my credit score increased considerably. 2 days ago out of the blue my credit score dropped to XXXX. My credit score was originally XXXX. I had a collections debt in the amount of {$800.00} removed from my credit report and my credit score initially went up then it dropped. Not only has this fraudulent debt been removed from my credit report but my overall credit usage also dropped 6 %. My total open account debt dollar amount was reduced by almost {$200.00}. How does my credit score go from XXXX to XXXX than back down to XXXX when a collections debt for {$800.00} was removed from my credit report and my credit usage decreased and my open accounts debt decreased by almost {$200.00}. My score is lower now then it was when the {$800.00} collections debt was being reported. I say Transunion has deliberately reduced my credit score out of retaliation against me for reporting their crime to the Illinois attorney Generals office. I also exposed their lies. Transunion claimed that they verified the debt between me and XXXX XXXX to be valid. They claimed they had received additional information from the Original creditor that proved the debt was valid and mine. This was a lie. The original creditor verified that I had no responsibility for the debt. Now Transunion is retaliating aginst me by keeping my credit score low.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to XXXX, TransUnion, and, XXXX and asked that they investigate the below accounts of the two late payments reported in XXXX. I do not recall ever being late. It doesn't make sense that I was current in XX/XX/XXXX and jumped to 60 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX. This is impossible. 

Accounts in dispute : XXXX XXXXAccount number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX  : Account number : XXXX XXXX  XXXX  : Account number : XXXX XXXX  XXXX  : Account number : XXXX XXXX  XXXX : Account number : XXXX XXXX  XXXX  : Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last XXXX months, I have been sending certified letters in regards to the XXXX XXXX and XXXX XXXX to all three bureaus, Experian XXXX XXXX XXXX and XXXX XXXX I have sent multiple letters in regards to a filing error that I noticed on my credit report. According to the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

There is a clear discrepancy between all three bureaus in the payment history. XXXX is reporting a 30-day late, for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX while XXXX and Experian reporting an on-time payment. XXXX payment history is also incomplete. The dates for 30-day and 60-day are not consistent throughout all three bureaus.

I will attach the letters that I have mailed out, as well as screenshots of my credit reports. 

I am demanding that all payments are updated to paid-as agreed, as the payment history is not consistent. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Transunion, XXXX, XXXX has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy. 

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting a debt on my credit file that is not mine. I recently pulled my credit and noticed this debt reporting on my file. They are trying to collect for a debt with Check N Go. I have never had an account with Check N Go and I have told them that. This account is fraudulent and belongs to someone else. This account is on my credit and needs to be removed THE DEBT IS NOT MINE! This is really affecting my credit and I shouldn't have to deal with taking care of someone else 's account. This debt needs to be removed from my credit file and I suggest you find the correct person this belongs to.
Product: Credit reporting or other personal consumer reports

My credit report shows late payments inconsistent with my history. Please correct these errors.
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, XXXX, and XXXX to reinvestigate these accounts : Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax - Shows 2 Chapter XXXX bankruptcies with 2 different status ( discharged ) dates. One is correct in that our bankruptcy was discharged XX/XX/XXXX and the other is stating the discharge of XX/XX/XXXX. 
I have called several times within the last couple of days ( XX/XX/XXXX ). They are unable to fix anything because they say a dispute can take up to 30 days. The next time I called, they said to fax and it will be verified within 48 hours and that someone will contact me. I called again, they said that it was 48 hours just to process the papers and 30 days to dispute. I then later spoke to a supervisor who told me that the Chapter XXXX bankruptcy does not show 2 different bankruptcies. I asked if they could type a letter stating this information. He told me that he was mailing credit report and I should get it between 7-10 days. I called the next day and they told me that the lender can call the business customer service and I that I had been calling the dispute center. 
I have let them know each time that this is an error on their part ( kindly ) and that if this does not get fixed soon, that my family of XXXX will be homeless because our FHA Loan will not be processed for our new home in XXXX ( we live in XXXX, my husband is working and living in XXXX   while me and the kids live in XXXX right now ). Lender called the business customer service and could not get anything resolved. He spoke to a representative about the situation and they muted him while he spoke. They were very rude. My lender uses XXXX and has shown me the recent credit report that shows Equifax reporting 2 separate Chapter XXXX bankruptcies, both with same filing date but both with 2 different status dates.