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

First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). 

Account # XXXX and Account # XXXX are showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately. 

My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2023. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices. 

What I am demanding right now is that you guys delete both Account # XXXX and Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I learned of a large breech of security by Equifax. According to their records my personal information was compromised. I believe that they mismanaged the safety and security of my private information and identification ; and failed to quickly and thoroughly notify those who were effected by the security breech. I have placed a fraud alert on my accounts but would like to be able to freeze my accounts without being charged due to the compromise of my information due to Equifax 's incomptence.
Product: Money transfer, virtual currency, or money service

Cash app closed down my account for no reason a few years ago with no explanation and will NOT let me open up another account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX Subject : Request for Immediate Removal of Incorrect Late Payment Reporting on XXXX Account Under 15 USC 1666b To Whom It May Concern, I am writing to formally dispute a late payment entry on my credit report related to my CarMax account. This entry is incorrect and should be removed immediately under the provisions of 15 USC 1666b, which governs billing errors and disputes. 
According to the Fair Credit Billing Act ( 15 USC 1666b ), creditors must acknowledge and correct any billing errors brought to their attention within the prescribed timeframes. I have identified that the late payment reported by XXXX is erroneous and damaging to my credit report. 
I respectfully request the immediate removal of this late payment from my credit report. Should this issue not be resolved promptly, I will have no choice but to escalate the matter through legal channels, as this inaccuracy is adversely affecting my creditworthiness. 
Please confirm receipt of this letter and provide written acknowledgment of your actions to correct this error. I look forward to a swift resolution to this matter. 
Thank you for your prompt attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a paid charge off that was charged off in XXXX and paid in XXXX in Full. where account was reporting closed and paid charge off. fast forward to XX/XX/XXXX, the account shows reporting monthly on XXXX  for the months of XXXX and XX/XX/XXXX as charged off, where it shouldn't have been. this account should not be reporting as charge off period after XX/XX/XXXX where the debt was paid. ive contact XXXX  XXXX XXXX and XXXX  and still no resolution
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time for the billing cycle, which was due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, a late payment of 30, 60, 90 and 120 days was incorrectly reported. 
I have provided evidence of this timely payment, including bank statements showing that the payment was processed well before the due date. 
There appears to have been a clerical or administrative error that resulted in the late payment being reported across all three bureaus, despite no actual delinquency on the account. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of inaccurate and unverified negative items on my credit report. I have disputed these items in previous correspondence under the Fair Credit Reporting Act ( FCRA ) 611, yet no valid investigation has been conducted, and these inaccurate collections continue to be reported. All the listed accounts are unrecognizable and invalid.
Product: Credit reporting or other personal consumer reports

This account with XXXX XXXX account was charged off on XX/XX/year> and should not even be reporting anything due to it being open fraudulent!! It has harm me and my credit worthiness and Im asking for this account to be deleted immediately from my credit report not to mention the inaccurate information that is attached on the listing attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 I have been trying to dispute and get late payments from my XXXX XXXX student loan. They reported wrong and inaccurate information on my student loan that have been closed and transferred. I want this information to be investigated and removed since the account have been closed and transferred to XXXX. The account is closed and have been transferred but it still showing on my credit report. I have wrote several letters to help me remove it but get denied
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing information being listed on my credit report. I spoke with XXXX at XXXX XXXX XXXX XXXX about an account being listed as my insurance company collected the money from my HSA account and paid the hospital directly. I spoke to someone about the account with southwest Collection and informed them that my Insurance company has been contacted and will pay the facility directly. They listed it on my credit report stating I owed them for the medial bill in which I did not OWE them I had my insurance company create and pay the bill through their medical system. 

I then seen the information listed on my credit as " Unpaid " and now " Paid " 1. I did not pay Southwest collections company .My insurance handled the billing.

2. I informed them that I did not owe them and they need to stop reporting as it is illegal to report false information on my credit report.

3. They should NOT own this debt as when I emailed XXXX at XXXX XXXX XXXX XXXX she indicated that she will be having someone reach out to the collector and tell them they can't collect or own the debt any longer. 

I sent several emails to the collections agency in which they responded to none of my emails or letters sent. I also copied them in on the letters I sent to XXXX XXXX indicated the account will be recalled from their agency. I again di not pay them so I want this collection off my record. My insurance took care of the money in which I communicated with them and XXXX from the beginning. That XXXX must have miss communications and when they finally settled it they should not be reporting. If you say I owed you money send me a signed contract I have with this collection firm if not REMOVE THE CREDIT LINE FROM MY ACCOUNT. send me a SIGNED contract with my name on it. I am also sending a verification letter to the CB as well for documentation on this account and to see what all is being listed. I will not let people damage my credit reputation due to miscommunication from companies in which I clearly indicated I did not owe any thing to and a contract can not be provided according to the FCRA 611
Product: Checking or savings account

XXXX days ago I reached out to XXXX to get my account unlocked because they had locked it for identity verification purposes. Which they have done before and I've always passed. I've never violated their terms of use they've never indicated that I've made any improper transactions and for some reason they sent me an email recently that said that they were terminating my account that they would not tell me why and that they were holding all the funds in my account for XXXX XXXX  days for fears of loss prevention. And short of absolute hysteria I have no idea why they would have done such a thing and I really just want my {$18.00} that's in my account back on principal and will gladly walk away from their mediocre product. 

But there's no reason indicated for why they have denied my account which almost certainly is discriminatory based on third party data they acquired but did not independently verify and I'm appalled at their decision. Because I live my life in such a way that I inform people when they offend me and works to manage my network with transparency and resolve my disputes on facts. Then we'll obviously has a wild hair up their XXXX and wants to bang their chest because XXXX of their customer service agents got upset that I could provide all my documentation as expected. I just want my money back from my account and I'm not waiting XXXX days for it
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.

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. 

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. And, Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit card or prepaid card

The Chase Freedom XXXX card was advertised as offering 5 % cash back on grocery store purchases for the first year. I saw this advertisement on my online Chase account in XX/XX/XXXX, and applied for that card. 

However, once I got the card and began using it for purchases, I noticed that I wasn't getting the 5 % back on grocery store purchases. I called Chase 's customer service twice - the first time on XX/XX/XXXX the agent said that they would internally investigate it- which could take XXXX business days. 
After not hearing back from Chase for XXXX week, I called back on XX/XX/XXXX. The second agent that I spoke to said that I was not qualified to get the 5 % grocery bonus, but could not explain why. 

If they had told me that I wasn't qualified for this promotion at the time that I applied for it, I might not have gotten this card. I also would not have used the card to purchase groceries thru XXXX XXXX, and would have instead used a different card that gave me better terms for those purchases. 
My complaint is that they bait & switched their promotional offer, arbitrarily not giving me the promotion without telling me about it in a timely manner, effectively getting me to use their card in the last XXXX months under false pretenses to charge hundreds of dollars of purchases. I lost money in the form of credit card points that I would have acquired if I had used XXXX of my other credit cards.
Product: Mortgage

I will be uploading an explanation as typing is a problem due to health issue Also, I can not upload XXXX document due to size of it
Product: Mortgage

Covid Loan Modification : I originally was informed about Covid loan modification in XXXX XXXX  I was informed that the months that had not been paid ( approx 12 ) would be added to the back of the loan. I applied in XX/XX/XXXX and despite calling consistently for updates, did not receive a response until XXXX XXXX The modification added 15 years to the loan. I spoke to customer service who initiated a new application according to the original terms I was told in XXXX XXXX This application was approved in XXXX and sent to the wrong address, so I received it 20 days into the 30 day response period.. Additionally it had my ex-spouses name on paperwork, which needed to be removed. Due to receiving the information late ( wrong address ) and the need to update names, I was told the application response period closed. I applied a third time, and the covid modification was denied. I was told underwriters denied the modification because my house burnt down ( information Id given them nearly one year prior ). I asked ( and did not receive ) clarity on how it had been approved prior. I was told about XX/XX/XXXX, that I needed to pay approximately $ XXXX or face foreclosure on XX/XX/XXXX. This caused me significant distress resulting in the need for emergency care. Upon leaving the hospital on XXXX XXXX, I paid the owed amount. I then learned that Carrington had reported the delinquent amount to my credit while I was in the hospital on XXXX 
Loss Draft : My house burnt down in XXXX XXXX When Carrington received the insurance check they held it, saying that I had a cloudy title. Upon researching the lien number with the county records office and bank, I found that there was nothing tying the debt account ( from another individual ) to my property. Carrington got it wrong, provided no explanation and held my check for nearly 2 months while I had to do the research to figure out their error. This significantly shifted the rebuild process and increased costs due to the time of year ( weather ) and inflation. I can no longer afford to rebuild my home, which will cost me over XXXX XXXX Further their negative credit reporting impacts my ability to purchase. 
Carringtons misleading Covid modification information, extremely delayed process, wrong address, coupled with misinformation, erroneous cloudy title and a mid-year policy change has resulted in the loss of my house and ability to rebuild or purchase a home with insurance funds. Ultimately they have forced my hand to use insurance funds to pay off the loan and have caused extreme limitations to me securing an actual dwelling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Capital One Bank regarding account # XXXX. The results came back they sold the account to XXXX XXXX XXXX XX/XX/2018. I contacted XXXX XXXX XXXX and XXXX ( the representative from XXXX XXXX XXXX ) stated that there is no account under my name or social security number or my phone number. This is being reported inaccurately and needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$2.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

as of XXXX XXXX XXXX  there was {$600.00} on my paypal card after 1 call 2 XXXX only {$270.00} was left!! My purchase was nit that much! Next day I called n they said there was an error ... after 2 more calls in XX/XX/XXXX5 more calls in XX/XX/XXXX both XXXX n XXXX both saying they see the mistake ... .as of today I have not recieved a dime
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX  % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX  - CARD SERVICE XXXX
Product: Debt collection

Today, X/XX/17, both of my parents received phone calls from Southwest Credit. When I disputed the debt they are attempting to collect, I told to not contact me or any of my family members. They had been repeatedly calling both of my parents who are in no way associated with the account. Upon checking my phone, I also discovered that they called me after being told not to at XXXX XXXX from phone number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

[Letter # 4] Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of consumer findings regarding unfair and inaccurate practices. via discover bank privacy policy and section 1692e ( 16 ) of the FDCPA. Discover Bank 's privacy policy implicates and gives false representation as a means in connection with the collection of debt by operating falsely a consumer reporting agency by using nonpublic information and abusive debt collection practices to put my creditworthiness at a competitive disadvantage. it is a violation via 15 USC 1692e ( 16 ) for a debt collector to operate by a consumer reporting agency and give false representation or implications that they are doing so as proof see the privacy policy attached. The consumer reporting agency is in violation of marketing information, unfair and inaccurately backed on the exchange of information that should otherwise be excluded from a consumer report via 15 USC 1681a ( d ) ( 2 ). A consumer report should not include information solely as to transactions, communication of that information, also information that's used as an authorization of an extension of credit by the issuer ( me ) of a credit card. I wish to have this account removed from my consumer report.