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

My credit score has dropped due to an inaccuracy on my credit profile. XXXX XXXX XXXX reported that I was late in XXXX, but I have provided documentation to the credit reporting agency proving that I was never late. My XXXX credit card statement clearly shows that I made a payment at the branch on XX/XX/year>. Can someone explain how I received a XXXX late mark when it is evident that I made my payment on time? This error is negatively impacting my credit score, which is affecting my career and insurance, as everyone is seeing this late payment and how it has lowered my score.
Product: Debt collection

The most recent call from Midland credit called me and we spoke about settling the debt for a lower amount. The person I was speaking with wanted me to do it right then, wanting me to give my bank account number, my credit card number or my debit card right then. I told him no, I would send him a cashiers check and he did not want to agree to that .He wanted the payment right then. My boyfriend was sitting next to me listening to this conversation I was having with the debt collector. He saw me getting upset. The man kept saying hold on, hold on, hold on, every time I said no Im just going to hang up now he would say hold on hold on hold on. I felt I was being harassed, bullied and I was getting physically stressed out. To me and my boyfriend it sounded like The collector would agree to my offer if I paid it right then but if I wouldnt, he wouldnt agree to the offer. I have read my rights, and it says to get it in writing before I send in any money. I did make a couple of payments in the past to XXXX XXXX before it was bought by Midland credit. On another attempt, I called Midland credit and it sounded like the same man I spoke to earlier, I asked him if he would take another offer and he said he would if I made the payment right then, again I said I would send a cashiers check. He said hold on and he would check with his supervisor he would be back in 30 seconds, I was on the phone waiting for him to come back for over eight minutes finally I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Equifax has mishandled my information, did n't notify me, and now has cost me several hours, some money ( to freeze my credit with three bureaus ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Investors Financial service is reporting unauthorized credit inquiries to my credit file as follows. 
First Invst SVC/First  on XX/XX/XXXX to XXXX  First Invst SVC/First on XX/XX/XXXX to XXXX
Product: Payday loan, title loan, or personal loan

The interest charge and fees on my personal loan are much too high. Cancel the loan for me and return the money back to TRANSFORM CREDIT, INC.,
Product: Credit card or prepaid card

I received the attached two letters from Capital One for two different accounts. The letter simply states " Our Research found no signs of fraud ''. If the CEO received these letters, do you think he would want an explanation? Especially after the cards were adjusted 9 months after Capital One closed the cards and the cards were adjusted two months after the cards were charged off. Wouldn't anyone want an explanation and details instead of " Our Research found no signs of fraud ''. There had to be research if they removed the charges months after closing the accounts and months after charging the cards off. My cards were unknowingly stolen, used, and the fraud payments made to exceed the credit limits.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to financial hardships I took the initiative to apply and was approve for a repayment plan with XXXX  financial bank for my car loan. I agreed to pay {$450.00} on the XXXX of every month for the next 8months and after my regular payment cycle will continue. I paid my part of the agreement. XXXX XXXX reported inaccurate information on my credit report which is a violation of my consumer rights, which placed me at a risk for fraud. I am mentally distress due to the breech in contract. I contacted XXXX  XX/XX/2023 and was told I could receive a waiver due to their lack of miscommunication of the repayment plan and their inconsistencies. I was told to wait 45 days. It has been more than 45 days and I have not received anything in writing. I am writing a complaint because this company has reported inaccurate account information of alleged late payments for the months of XXXX XXXX XXXX and XXXX of XXXX  and is inconsistent. My credit report has change numerous time due to XXXX XXXX incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$550.00} XXXX  XXXX Balance : {$5900.00} XXXX  XXXX  XXXX Balance : {$580.00} XXXX XXXX  XXXX XXXX : {$0.00} Equifax : XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX  XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

MULTIPLE inquiries on my credit report by Chase Card for an Amazon.com Visa Signature Card that I have NEVER authorized! I have not lived at the address they are sending credit denials to in 11 years! I have contacted Chase Card and was told all inquiries would be deleted from my credit file since I did not authorize any of them. They have NOT deleted the inquiries and CONTINUE to pull my credit report! This has left me with a total of XXXX HARD inquiries that I have never authorized! UNAUTHORIZED credit inquiries from the following companies that I have NEVER authorized! XXXX XXXX XXXX XXXX XXXX
Product: Student loan

To Whom It May Concern, It has been brought to my attention that refinancing, consolidation or restructuring of a consumer credit transaction the creditor shall promptly refund any unearned portion of the interest charge to the consumer. The creditor shall compute the refund based on the method which is at least as favorable to the consumer and by law it is the actuarial method. The actuarial method allocating payments made on a debt between the amount financed and the finance charge pursuant to which a payment is applied first to the accumulated finance charge and any remainder is subtracted from, or any deficiency is added to, the unpaid balance of the amount financed. Upon receiving this written request, before the end of the XXXX day period beginning on the date you received from the consumer this written request, the creditor or assignee shall provide me the disclosure of the amount due on any precomputed consumer credit account. Please provide me the statement of the amount necessary to prepay the account in full. I am aware that the amount you will disclosed includes an amount which is required to be refunded with respect to such prepayment, the amount of such refund. I am aware that the written statement is required considering that I am have made this request in writing. It is noted that I, the consumer, shall be entitled to XXXX free annual statement each year without charge.
Product: Mortgage

Several issues in dealing with Planet Home Mortgage. In XX/XX/2022, apparently I received a letter stating that I was short in escrow. I didn't receive this letter ( rightly so with the low staffing and issues around mail ). A few months later, I got calls saying that we were short because I never paid the short fall from the escrow shortage so my monthly payment went up ( which I didn't know ) and only paid my previous monthly payment. I was short a XXXX XXXX XXXX dollars. I ended up paying the balance shortage and I was told by a manager that my payment will go back down. She requested a tax audit to review this and I would hear back soon. I got a bill in XXXX stating my XXXX payment even went higher. HOW? SO I called and the technician could not figure out why so he was going to have someone call me back. It is now XXXX and I haven't heard anything and my payment is higher than it was before the escrow shortage increase after I paid over $ XXXX to decrease that. Last week I learned something that Planet Home apparently has been paying 2 insurance companies which caused my escrow to fall short ( my insurance that i authorized was XXXX ). They were paying XXXX and randomly XXXX XXXX was sending them bills and they were also paying for that as well. so no one raised a flag on why for 2 years they were making 2 insurance payments to two different companies. Now I've been charged several late fees and still have a high monthly amount and now I have to fight with XXXX XXXX  to return 2 years of insurance payments when I NEVER authorized them to take over. Planet Home Mortgage has been nothing but issues since the refinance and someone at the highest level needs to see the horrible things that have happened and the several late fees that they have charged because of their incompetence.
Product: Student loan

I received approval for XXXX discharge of my student loans. Any payments made post XXXX  date of XX/XX/year> are required to be refunded per the XXXX. of XXXX. Aidvantage is saying that becuase the loans are closed they can not issue the refund. I have verified with a DOE rep as well as their website that says ANY payment made post TPD date is required to be refunded regardless of account status.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card is harrassing and placing false information on my credit report after numerous attempts to get this matter resolved. Statuses of limitation shows they can only legally sue within 7 years of delinquency. They are reporting incorrect information such as dates and revolving amounts which are hurting my chances of purchasing a home. The predatory rates for a military affiliate are killing my chances of living an American dream and killing my future. This company refuses to be compliant and work with an XXXX individual. This company refuses to validate the debt and send documents requested. I have the right to request verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with Basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also like a copy of the Tax Registration Certificate! The company refuses and they are rude and biligerent when you are trying to communicate.
Product: Debt collection

My identity was stolen and use I paid off the debt to be removed off my credit here are receipts
Product: Credit reporting or other personal consumer reports

I have been trying to correct my " Current '' address on Equifax for some time now! I have even called them on multiple occasions and was finally advised to send them the following and they will correct it : 1- Copy of my drivers license ( back and front ) 2- A document with reference to my SS # such as a W2 Please see attached file. It could not be more simple with all the mark upas and instructions! Yet, they have managed to screw it up! 

My Current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ** the current address is a military format address where XXXX  is used for the " City '' and XXXX  for the " State '' ( XXXX XXXX XXXX XXXX XXXX  ). In some case XXXX  is not available as an option, so XXXX  can be used since our division is under XXXX  command. 

They have updated my current address but incorrectly, as they have addeXXXX XXXX XXXX XXXX!! that is incorrect, the city should be XXXX and not XXXX XXXX. the STATE can be XXXX  and not XXXX  if there is no option to update it as such. 

My Previous Address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have also completely deleted it on my information.
Product: Credit reporting

While checking activity on my credit report with Experian I found that I had a collection on my account added 4 months ago. It is from a collection company called XXXX XXXX XXXX claiming I owe the XXXX XXXX XXXX, a payday loan company, {$720.00} from XXXX. 

1. I do not recognize this lender and question the legitimacy of this claim. If this was a debt from XXXX why am I just hearing about this or seeing it on my credit report in XXXX. 

2. XXXX is a payday loan company. It 's illegal for payday loan companies to lend money to residents of NJ due to our usury laws. 

" XXXX. XXXX makes it a criminal offense to charge, take from, or receive, from any individual, interest at a rate exceeding 30 % per year. Further, XXXX XXXX renders it a criminal offense to charge, take from, or receive, from any corporation, limited liability company ( an " XXXX '' ), or limited liability partnership ( an " XXXX '' ), interest at a rate exceeding 50 % per year. 

In other words, in New Jersey, charging, taking from, or receiving, from any individual, interest of more than 30 % per year is criminal usury. So, too, in New Jersey, charging, taking from, or receiving, from any corporation, XXXX, or XXXX, interest of more than 50 % per year is criminal usury. 

Criminal usury is a crime of the second degree if the rate of interest on the loan is more than 50 % per year. XXXX XXXX ( a ). Criminal usury is a crime of the third degree if the interest rate on any loan made to any individual is more than 30 % per year but less than 50 % per year. Id. XXXX ( a ). '' Payday loans usually have rates well over usury. I do not have any information on this supposed loan but would love to see the original loan agreement because I sure XXXX group llc and now XXXX XXXX are committing a criminal offense collecting a loan with high interest rates. 
XXXX XXXX XXXX. When searching for information about XXXX XXXX XXXX I have found reports of law suits and even a motion that has shut XXXX down resulting from a law suit from the FTC. 
XXXX XXXX XXXX XXXX The court has deemed the practices of XXXX XXXX XXXX as XXXX and XXXX. How can XXXX XXXX XXXX now prey on people who had loans from XXXX, if these debts are even valid, if they where shut down? Who is XXXX XXXX XXXX? Are they somehow part of XXXX XXXX XXXX? 

I ask that the Consumer Financial Protection and the credit reporting agencies please review my dispute. There is something not right with XXXX XXXX XXXX and their claim that I owe them or XXXX money. Please help me remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a late payment for my XXXX XXXX XXXX Account # XXXX in XX/XX/2023. According to the payment history provided directly from your records, this account was not late in XX/XX/2023. In fact, the payment was made ahead of schedule on XX/XX/2023. Despite providing this evidence, you have refused to correct this inaccurate information, which is both misleading and damaging to my credit profile. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information you report. The refusal to correct this clear inaccuracy, despite being provided with evidence, violates this provision. Additionally, 15 U.S.C. 1681i mandates that you reinvestigate any disputed information if the consumer provides reasonable evidence that the information is inaccurate. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The incorrect reporting of the late payment, despite evidence to the contrary, may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. Inaccurately reporting a late payment falls under this category and can have severe consequences for the consumer. 

XXXX XXXX Compliance Issues : The XXXX XXXX format, which is the industry standard for credit reporting, requires consistent and accurate reporting of account information. The inaccurate late payment reporting for XX/XX/2023, despite the payment being made in advance on XX/XX/2023, indicates non-compliance with XXXX XXXX guidelines. This non-compliance further warrants the immediate correction of this information. 

Request for Immediate Action : I am requesting the immediate removal of the inaccurate late payment information for XX/XX/2023 from my XXXX XXXXXXXX XXXXk Account # XXXX. Additionally, I request that you provide me with an updated copy of my credit report reflecting this correction.