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

On XXXX XXXX, XXXX, a small team of young engineers from XXXX XXXX Department of Government Efficiency ( DOGE ) entered the Department of Education ( DOE ) and gained access to millions of peoples student loan information, including social security and data on parents and spouses. This was carried out with no authorization from me whose data was being accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not impending records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering improperly because of fraud, I will hand my archives over to my lawyer to begin a legalized process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Reporting and FCRA Violations Dear XXXX, Equifax, and XXXX, I am writing to dispute the inaccurate information being reported on my credit report regarding my XXXX XXXX account. This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ) and has significantly impacted my creditworthiness. 

There are inconsistencies in reporting between XXXX and Equifax regarding my last payment date for the XXXX XXXX account. XXXX states it was XX/XX/2022, while Equifax claims it was XX/XX/2022. Additionally, there is a discrepancy in the reporting of my XXXX, XXXX, and XXXX late payments, with XXXX reporting them as XXXX while Equifax provides different information. 

This inconsistency has caused confusion and undue harm to my credit profile. I have diligently collected evidence through XXXX XXXX to substantiate these claims, and I urge you to conduct a thorough investigation into this matter. It is imperative that this inaccurate information be rectified promptly to restore the integrity of my credit report and ensure fair and accurate reporting. 

I request transparency throughout the investigation process and timely communication regarding the steps being taken to resolve this dispute. Failure to address this matter will leave me no choice but to pursue further legal action to protect my rights under the FCRA. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have had several attempts to open a credit card with my information. I have been able to mitigate this impact with credit monitoring. 

My complaint is why cant I require a biometric security layer for approval of a use of my credit?
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX5 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding my consumer credit report. Upon reviewing the report, I have identified instances of late payments that have been reported without proper notice, as mandated by 15 U.S.C. 1666b. I would like to draw your attention to the following accounts that are reflecting late payments : XXXX. XXXX XXXX  Account XXXX XX/XX/XXXX days reporting XXXX. XXXX. XXXX XXXX  Acct XXXX XXXX ] : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX 30 days late XXXX. XXXX XXXX  Acct XXXX 30 days XX/XX/XXXX XXXX. XXXX XXXX Acct XXXXXXXX XXXX XXXX 30 days According to 15 U.S.C. 1666b, consumers are entitled to receive notice of negative information being reported to a credit bureau before it is included in their credit report. In this case, I have not received any such notice, and the inclusion of these late payments on my credit report is a clear violation of my rights under this statute. I am formally requesting the following actions : 1. Immediate investigation into the lack of notice for the reported late payments. 2. Verification of compliance with 15 U.S.C. 1666b by the entities reporting this information. 3. removal of the late payments from my credit report.

I expect a thorough and prompt resolution to this matter to ensure that my credit report accurately reflects my financial history and to prevent any undue harm to my creditworthiness. Please provide confirmation of the initiation of the investigation and an estimated timeline for resolution. Additionally, I request a free copy of my updated credit report upon the completion of the investigation. Your immediate attention to this issue is appreciated. Failure to address this matter within a reasonable timeframe may compel me to pursue legal remedies to protect my rights under federal law.
Product: Credit reporting or other personal consumer reports

In accondance with the fair credit reporting act the list of accounts below has been viotated my federally protected consumer right to privacy and cinfidentiaty under 15usc 168115 U.S.C. 1681 section 602 A states that individuals have the right to privacy. The Fair Credit Reporting Act ( FCRA ) governs access to consumer credit report records and promotes accuracy, fairness, and privacy of personal information. 15 U.S.C 1681 Section 604 A Section 2 : 15 U.S.C. 1681 Section 604 A Section 2 states that consumer reporting agencies ( CRAs ) can not furnish a consumer report without the consumer 's written instructions.

The Fair Credit Reporting Act ( FCRA ) requires that CRAs adopt procedures that are fair and equitable to consumers. The FCRA also requires that CRAs provide notice to users of consumer reports of their legal obligations.

The FCRA states that inaccurate credit reports can impair the efficiency of the banking system. Unfair credit reporting methods can undermine public confidence, which is essential to the banking systeI And item repreat by more then seven years XXXX XXXX XXXX XXXX account number XXXX last acitivty date is inaccuate XXXX XXXX XXXX XXXX XXXX remarks are inaccuate XXXX XXXX XXXX court is inaccuate show up on two of the credit reporting but the thrid XXXX XXXX XXXX XXXXXXXX the amount due is wrong And the rest are either showing up on one and not the other This has really put stop on me getting a houses or car I need and you can see all the inaccurates on my report
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has reported late payments for XXXX and XXXX of 2020, both stating 30 days late. The payments were late but NOT 30 days. The 1st payment on the account was due on XX/XX/2020 in the amount of {$15.00} and payment of {$15.00} shows cleared through their app on XX/XX/2020. That is not 30 days late. 2nd payment was due on XX/XX/2020 {$0.00}. It has not even been 30 days since this due date. {$5.00} was paid and cleared on XX/XX/2020, {$15.00} has been paid XX/XX/2020, and {$5.00} was paid on XX/XX/2020 as well. None of these payments are 30 days late. This company is ruining the work I have done on my credit and I want it fixed! 

They are also attempting to take money out of my account although it states that {$0.00} is currently due. 

I have attempted to reach out to this company by phone and email and have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS XXXX, DOB XXXX. PLEASE REMOVE ANY AND ALL MISPELLINGS OF MY NAME. 
I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.
Product: Debt collection

They reported in accurate information on my account. They validated my rights on the 15 US 1681 1692 and session 623.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo charged off a secured credit card for {$320.00} in XX/XX/XXXX. The account was originally opened in XX/XX/XXXX. This was a secured credit card, meaning the money was given to them to extend credit. They are reporting as a charge off on my credit report which is incorrect. The monies allocated for the secured account would have went towards any balance owed on the account.
Product: Student loan

I do not understand why neither XXXX of XXXX  nor XXXX of XXXX  qualify for the XXXX XXXX XXXX XXXX XXXX ( XXXX  ). I made payments on my due date for both XXXX and XXXX. Please see attached. I recognize that a federal court issued an administrative stay on XX/XX/2024, that prevented the Department of Education from operating the XXXX XXXX XXXX. However, my due date was the first of each month at the relevant times. I made payments on XX/XX/2024, and XX/XX/2024, which was BEFORE the XX/XX/2024, stay. By email dated XX/XX/2024, which is attached to this complaint, MOHELA informed me that I was being placed into a forbearance and that the time spent in this forbearance would count for the XXXX program. According to studentaid.gov, I was placed into a forbearance on XX/XX/2024. Please see the attached. When Federal Student Aid processed my Employment Certification Form dated XX/XX/2024, on XX/XX/2024, it was determined that I have XXXX qualifying payments toward the XXXX program. Please see attached. However, that number should really be XXXX as XXXX of 2024 was omitted ( see attached ) and XXXX of XXXX  was erroneously determined to be ineligible.
Product: Credit card or prepaid card

XXXXComenity -- -In XXXX, XXXX changed their credit card company from Comenity to XXXX XXXX My XXXX card could no longer be used, but I continued to pay monthly including monthly interest. On XXXX XXXX XXXX, I paid off the current balance ( with a representative to ensure I was paying CURRENT balance ), in full. I asked the account be closed & I cut up the card. On XXXX XXXX, I receive a bill stating balance is {$30.00} due XX/XX/XXXX. I call Comenity & question how I can owe further interest when account was paid in full & closed on XXXX ( plus account was made inactive by Comenity in XXXX when they changed their credit card company ( must have changed contracts ).. They stated it was " reisdual interest ''. How can this be when they charge interest monthly on the balance & it is added to that monthly payment. I feel they are trying to charge compound interest ( daily ) PLUS accrued interest. Comenity would not waive the {$30.00} interest fee when I contacted them, telling me " there's nothing we can do ''. I have had the same problem with XXXX XXXX accounts I paid off, too ( XXXX XXXX, XXXX XXXX, etc ) but XXXX waived their " residual interest '' charges. Please help. as I am a XXXX XXXX on a limited income. comenity also claimed this was a new policy " residual interest '' placed in effect a couple months ago. How can they change MY agreement ( contract I signed when credit card was opened without offering me any options?
Product: Mortgage

Received a call from XXXX XXXX XXXX Stated his company name and that he could process paperwork for getting my mortgage modified. It takes approximately 90 days. Once the processor has been notified of modification they can not ask for a payment therefore, rather than send my mortgage payment to the servicecer I would send the payment to XXXX XXXX the amount that I would be paying on my mortgage. When the modification is granted I will then get reimbursed for the 3 payments made to XXXX XXXX. That is how they are paid. XXXX then told me my processor 's name is XXXX XXXX XXXX. 
File to big to attach. Only attached documents to be returned with checks
Product: Student loan

First, I received notification that my application for the one-time Student Loan Debt Relief Plan was approved. Then, I received an email stating that was a mistake due to a vendor error. This massive mountain of debt causes me undue stress and anxiety on a daily basis. It prevents me from doing a lot of things, like becoming a homeowner. These XXXX XXXX notifications spitting out conflicting information that deeply affects millions of lives are irresponsible and negligent. They add to the mental strain and perpetual emotional roller coaster and are extremely taxing and harmful to my health and wellbeing. Im not sure what entity is responsible but they should be investigated, prosecuted and fined for the mass uncertainty and chaos caused by their careless, thoughtless and incompetent actions. In addition I spent XXXX hours on hold to finally speak to a representative who was very helpful. After I submitted my PSLF application I finally received a notification from MOHELA that only 3 payments were eligible and that I still need to pay XXXX. I had previously understood that all my payments over five years Ive worked for the government entity should be counted and that I would receive credit for making every payment through the pandemic forbearance. I requested a refund of those payments weeks and weeks ago. This company can not handle the volume and they are an inaccessible monolith.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My XXXX credit card was used fraudulently. I called to report and the Representative hung up with no return call and they kept my account open allowing more fraudulent charges. Went to Experian submitted a dispute came back it was verified. They did not investigate and it took a week for results to come back
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I contacted CBNA ( Home Depot Credit Services ) to close my account and set up fixed payments of {$22.00} a month until the account was paid off. I was NOT informed that since I had a past due balance that the closed account would still be reported as late to the credit bureau, even with making the minimum monthly payment of {$22.00}. Now, I have 5 late payments marks ( XXXX, XXXX, XXXX, XXXX, and XXXX ) on my credit report. These late payments should be removed since I was never verbally told or received info in the mail to explain that my account with CBNA would be negatively reported to the credit bureau. If I had known my credit was being adversely impacted I would have never set up the payment plan to begin with. I would have just paid the past due balance first, then set-up the payment plan. This does n't make sense. I have made every payment on time since the payment arrangement was set-up. I ask that the late payment marks be removed from my credit report so that all credit reporting is fair and accurate.
Product: Debt collection

XX/XX/22 phone call made to spire recovery solutions XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. Spoke with a representative to try and make a suitable payment plan. Representative stated I must set up a automatic withdrawal of {$110.00} every XXXX weeks today or they would send in my report to collections. I explained to her I could not make that amount every XXXX weeks, I tried to set up a lower payment plan. She was rude and stated I would be turned into collections. Since my husband and I have had XXXX in XXXX we have been very sick and he has been unable to work, I was not able to explain this as she would not let me, I needed a better payment plan until we could get back on our feet.
Product: Debt collection

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office,