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

I am writing to request your understanding and consideration regarding late payments that was reported on my account. I am fully aware of the importance of maintaining timely payments, and I have always made a conscious effort to manage my finances responsibly. Unfortunately, I experienced a particularly challenging period in my life that led to the late payment in question. Due to unforeseen personal circumstances, I was unexpectedly forced out of my home and found myself facing homelessness. I was also unemployed at the time, which made it incredibly difficult to meet my financial obligations. These events were beyond my control, and they caused significant disruption in my life. During this time, I did my best to manage my responsibilities, but the stress and instability made it impossible for me to stay current on all my payments. I want to reassure you that I am committed to maintaining good standing with Discover Bank and have since taken the necessary steps to stabilize my situation. I am currently employed, and I have been consistently meeting all my financial obligations. I deeply regret that I missed the payments, but I hope you understand that it was not a reflection of my usual behavior or character. Given the exceptional circumstances surrounding this late payment, I kindly ask if you would consider removing the late payment record from my credit report as a gesture of goodwill. I believe that this will help me continue to rebuild my credit and move forward from this difficult chapter in my life. I greatly appreciate your time and consideration of my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$100.00} ACCOUNT # - # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$750.00} ACCOUNT # - # # # # # # XXXX, both of these creditors 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 reporting or other personal consumer reports

On multiple occasions I have reached out citing legal forms requesting information that is backed by the government and have not received anything. I now demand that the items I have requested starting Tuesday, XX/XX/. Since then I have re submitted the request multiple times.
Product: Credit reporting or other personal consumer reports

My ex girlfriend XXXX years ago had my Social Security and I believe that it may have been leaked because I have seen some credit report that do not belong to me and I am unfamiliar with
Product: Vehicle loan or lease

XX/XX/2023 my truck was taken out of my driveway while I was home trying to rest to heal from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The unidentified tow guy already had my truck hooked up with no paperwork to show. We called police but they did nothing. I I now have a XXXX repossession reporting on my credit account. This will hinder me from ever getting a vehicle and even a place to live.
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 confidential under 15 USC 1681. 

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  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, 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

Midland funding Amount {$480.00} XX/XX/year> Ive been reaching out every since this debt been opening. They have not try to help me with this collection that I personal did not open. These are all the dates i have reach out to them from the last to old XXXX XXXX XXXX XXXX these are the only dates I can see on my account but Ive reach out more than this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint regarding the issue that I was a victim of identity theft. Once more, according to FCRA Section 605B, which is outlined in 15 U.S.C. 1681c-1, the Credit Reporting Agencies are required to remove and block any items listed on an identity theft report. Please see the ATTACHED documents to assist in the blocking and removing of the inquiries which were being posted to my report. Here is a list of the unauthorized inquiries which have been reported in my credit reports : XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX TRANSUNION : 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 have wrote and disputed the same item by " XXXX XXXX XXXX '' on my credit several times. I have requested the method of validation, written and verbal. I have written that the item is unverified and remains on my credit against Federal Law. I requested the original creditor documentation on file and that the information be verified. They REFUSE to provide me a copy of ANY original documentation required under section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( a ) and ( 5 ) ( A ). In addition, when researching the company, XXXX XXXX XXXX, they are not even a real debt collector. Their address provided XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX provides no suite number, to send formal written correspondence. I contacted them at ( XXXX ) XXXX. 
When I contacted them, a male representative, XXXX, threatened me and said that they are a law firm and have filed suit against me and that my wages would be garnished for {$3100.00} and my license suspended. I advised him that I never had an account with XXXX and that I would be filing a complaint against him and he hung up on me. Experian refuses to comply with the law and has only replied that the debt collector has only provided that " the company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This response is insufficient and does not provide any information that I requested by written request on XX/XX/XXXX & XX/XX/XXXX. I am respectfully requesting either they adhere to my written requests or remove the items outright from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and I have talked about how their representatives told me what I owed back in XX/XX/XXXX and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. XXXX XXXX XXXX XXXX customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!
Product: Mortgage

Asked to have my escrow account turned over to me. letter dated XX/XX/XXXX said it was closed. Call Ditech at XXXX XXXX on XX/XX/XXXX to asked when I would get a check for my escrow balance and was told After XX/XX/XXXX. when they did a escrow review.Now TAXES ARE DUE in 3 mounths. since they closed my escrow made me responable for payment [ they do not have TO PAY ] they put me brech of contrart.
Product: Debt collection

1. I received a collection notice in XX/XX/XXXX from Aargon Collection Agency. 
2. The collection is {$120.00} and filed by XXXX XXXX. 
3. I called Aargon Collection Agency and spoke to XXXX at extension XXXX on XX/XX/XXXX. 
4. XXXX stated the collection is for a XXXX XXXX issued to my XXXX daughter on XX/XX/XXXX. 
5. I told XXXX we never received a bill for the XXXX XXXX and furthermore, we would take our daughter to the doctor 's office and not XXXX XXXX. XXXX XXXX is a supplier of medical supplies. 
6. Any outstanding medical payments not covered under insurance would have been and have been paid to the applicable physician. 
7. XXXX stated XXXX XXXX is the worst of their clients and the number one complaint from individuals like me is because XXXX XXXX does not send out bills. They employ the collection agency rather than bill individuals themselves. 
8. This charge is 24 months old. We pay our bills. I am disputing this charge and feel after 24 months of no notification we should not be responsible for the lack of responsibility on the part of XXXX XXXX.
Product: Credit reporting

This is my 8th letter to all XXXX bureaus and I 'm making complaints against all XXXX of them. I notified them that if they did n't comply with the FCRA that i would make complaints so here I am. Equifax , specifically, is reporting late payments that i know to be incorrect and in XXXX, 1997 it specifically states that Congress says that the FCRA is in clear language that they need to reinvestigate and go beyond the original source of information to ascertain that the information they are receiving is complete and accurate. Congress also states that the only way they can legally verify something is with firsthand knowledge which means that they have to have the actual documentation that proves that i was late. So does that mean that they have the creditors ' bank statements to show when my payments were received? No, they do n't. So then how are they verifying this information? By using XXXX and parroting what the creditors say? That 's not legal verification! Do I have to take them to court? How are they going to prove it then? They 're not going to be able to do so and I will win and they will need to pay me for XXXX up my life, my credit, my finances, my income ; everything. Here is the information that i am disputing with Equifax : These items must be fixed : XXXX I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately! 
XXXX I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately! 
XXXX I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately!
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 account number XXXX XXXX XXXX XXXX account number XXXX Bankruptcy XXXX XXXX account number XXXX has violated my rights. 

15 U. S. C 1681 section 602 A. States I have 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 instruction. I did not give them written instruction.
Product: Mortgage

Hi there, In XXXX of XXXX, Harbor One Mortgage informed borrowers that no payments could be made for XXXX due to a computer glitch. On XX/XX/XXXX, we were informed that the issue was resolved and payment could be made. I did this on the XXXX and the payment of {$2000.00} was with drawn from my Credit Union on XX/XX/XXXX. Harbor one then made the exact same withdrawl on XXXX for {$2000.00}, I called them for a refund as my checking account was now overdrawn and fees were being charged by the credit union. Harbon One told me ( XXXX ) that it was a system wide problem and there was nothing they could do. There was no manager to speak with, no email to correspond with, They said it would take time to put the money back and they had not idea of the time frame, ... ..days? weeks? months? 

I want my money back immediatley ... ... It's XXXX. This is alot of money!
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a chapter XXXX Bankruptcy showing on my credit file that was XXXX XX/XX/2017, the problem is I've never filed bankruptcy. From my understanding Creditors are required by law to only report accurate information to credit bureaus. This requirement protects consumers from having any inaccurate information on their reports that would unfairly harm their credit. The Fair Credit Reporting Act ( FCRA ) gives me the legal right to dispute inaccuracies and errors on my credit report. If I challenge an entry and the agency that reported the entry cant defend it, then theyre required to remove it. Well, I've disputed this bankruptcy multiple times with XXXX, XXXX and Equifax and all three have said they verified the information with XXXX XXXXXX/XX/XXXX. I sent a letter to the XXXX XXXX XXXX at XXXX XXXX XXXXXX/XX/XXXX explaining that I have a record from your court appearing on my credit report. Ive disputed the item with the credit bureaus XXXX, Equifax, and XXXX- all of which confirmed the record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. The clerk of court responded stating they have not verified any personal information and that it is against their policy to provide any information to the credit bureaus. At this point it is clear, the XXXXXX/XX/XXXX does not report to any credit bureaus therefore the original response from XXXX, XXXX and Equifax stating that they have verified the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit card

My credit card limit is {$300.00}. I had a XXXX balance before I made a transaction on XX/XX/23 at XXXX XXXX XXXX, for {$66.00} which shows up as XXXX XXXX on my statement. On XX/XX/XXXX at XXXXXXXX XXXX  I made a payment of {$68.00}. which shouldve brought my balance back to XXXX. I then made two transactions on XX/XX/XXXX one at new balance XXXX XXXX, and one at XXXX in XXXX, PA. I go to check my balance yesterday because I was trying to do something with my card and I seen that I still have the balance from the three transactions and my payment I made is not reflected on my balance. So I give the company a call and try to find out whats going on, the representative could not tell me much and we was on the phone for like 20 minutes l. So I had to ask to speak to a supervisor to see if I can get some clarity of what was going on. The supervisor could not tell me much. I explained to her the transactions I made, and the payment I made. When you calculate the payments I made, and the transactions I made my balance should not be what it is. So thats why Im coming to your office for help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into XXXX XXXX XXXX XXXX  regarding account # XXXX. I require a complete Audit Trail of this account, as well as verification of the debt in accordance with Generally Accepted Accounting Principles ( GAAP ) and International Financial Reporting Standards ( IFRS ). Additionally, I request a copy of your Tax Registration certificate. 

Details of the Complaint : Inability or failure to substantiate the claim by XXXX XXXX XXXX XXXX  will require the account # XXXX to be recorded as paid in full/settled, and the reporting of this account to all Credit Reporting Agencies

and Data Furnishers must be eradicated immediately. According to IRS guidelines, even if a Form 1099-C is not recei
ved, canceled debt must be reported as gross income. Additionally, the IRS defines a Charge Off as gross or ordinary income, which should not be reported on a consumer report. This renders XXXX XXXX XXXX XXXX  reporting of this account inaccurate. 

Under 15 U.S. Code 1681s2, furnishers of information must provide accurate information to consumer reporting agencies. Therefore, I request proof of the 1099-C filed when account # XXXX was charged off/canceled.
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 XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a 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: Consumer Loan

I applied for loan. I Was approved. Paid extra wire transfer fee to have the money wired to my account the next day because I was passed the deadline for that day. I signed the contract wile on the phone with the agent and she confirmed she received the contract and confirmed the loan would be deposited next day to my account. The next day the money was not deposited and I was told there was a " glitch '' and it would not be deposited till the next day. After confirming the loan would be deposited. I scheduled a payment on an overdue to come out. That bill came out of my account and has put my account overdrawn because the deposit was n't made. I feel like this is a breach of contract
Product: Credit reporting

I spoke with TransUnion and my report updates from XXXX never took place or uploaded to TransUnion system. There is massive fraud in regards to my personal and professional information being reported by TransUnion. Name Alias, Business attached to addresses, other mortgages that are not mine and with an ex girlfriend listed as a spouse, wrong phone numbers, wrong points of contacts and above all it looks like countless ends of financial fraud with banks and financial institutions. Today XXXX I spent close to XXXX minutes reviewing the fraud and TransUnion was helpful to have me know that I will have a report shipped to my address. It looks like all XXXX credit agencies are not correlating information timely or have been able to do so due to this fraud. XXXX was supposed to clarify these matters with TransUnion, and the matter got far worse within in the process. It 's helpful to work with all the credit agencies to double and triple check the progress of inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is breaking the law and I'm being a victim of Identity theft by Equifax Information Services LLC and I am being ignored by their company. ( Police report attached and FTC report attached ) Please be advised this is my third complaint with the CFPB, This is the second time Equifax information Services LLC send me the same correspondence ( attached ) making false statements that the proof of identity does not match the information they currently have on my credit file, not only do I believe this to be a stall tactic on their part to avoid and not to comply with my original request, but I believe it to be a blatant violation of the FCRA. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act. 

I sent them 5 times, let me repeat.. 5 times ... my social security card, two bills with my current address, and they still making false statements that they cant verify my identity. ( attached with this complaint my social security card and two bills with my current address ). 

Also their CFPB responses always is the following " '' Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file '' '' STOP STOP STOP WITH THE SAME RESPONSE STOP violating the Fair Credit Reporting Act I have a relatively high degree of mental pain and I'm suffering mental anguish, feeling overwhelmed helpless, XXXX and spending a lot of time worrying due to the Identity theft caused by Equifax Information Services LLC I will continue to make complaints with the CFPB and the State Attorney until Equifax stop breaking the law. Equifax Information Services LLC is in violation of 15 USC 1681b ( a ) ( 2 ). I the consumer never gave Equifax Information Services LLC any written consent to report the mentioned accounts in my consumer report, ( XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX ) No consent is Identity Theft.
Product: Credit reporting or other personal consumer reports

I have inquiries that are related to fraud that need to e removed from transunion. They requested that I fill out a for
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discussed these issues for over a year with all three agencys with no avail.!!! 

Please note, I have sent in letters from agencies that have requested these agencies to take this old information off my reports. 

They will take them off then a month later put them back on even when companies have requested them to take them off. 

Each time these agencies re apply these to my reports without knowledge of deptors or myself, it severely damages my credit I have worked so hard to re build. I am requesting that adverse action be taken immediately against Experian, XXXX, and XXXX and have them take them fix these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX and 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 a account without my written instructions.