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

On XX/XX/XXXX, I submitted an online dispute with Experian for verification of a debt which they quickly returned with the conclusion that the debt is accurate, on XX/XX/XXXX. The debt in question is from a collection agency named XXXX representing XXXX   XXXX XXXX XXXX/XXXX  ( XXXX ) in the amount of {$450.00}. Therefore, I proceeded to contact XXXX through written communication requesting a validation of such debt. XXXX responded by sending a few copies of billing statements showing a balance of {$680.00} BUT specifically noted at the bottom of the letter that states " any difference between the amount shown enclosed in the verification of debt is due to some CREDITS. '' My letter of validation was very clear and precise to the type of information I was seeking and XXXX blatantly ignored consumer request numerous times. XXXX refuse to send consumer original contract, list of all payments made to account INCLUDING CREDITS, copy of license to collect in the state of Texas, and when did XXXX transfer the account for collection. I spoke with a representative at XXXX after failed written communications late XXXX or earlier XXXX, and the rep told consumer that they show a credit of {$200.00} applied back in XXXX but she did not have ANYTHING to send to prove what she is saying and told consumer that their office will contact XXXX for documentation of such credit. It is federal law that collection must provide proof of any amount they are reporting and should have that information available to consumer upon request. How are you reporting a debt that is {$200.00} less than {$680.00} that is printed on a billing statement they are sending to the consumer as their burden of proof? How can Experian say that reporting of such debt is accurate when XXXX CAN NOT provide the consumer with adequate documentation? If XXXX can not provide ALL documentation including documentation regarding a {$200.00} credit that the consumer is not aware about, than ALL REPORTING NEEDS TO CEASE! Please be advise, the last mail consumer received from XXXX was XX/XX/XXXX and NO documentation regarding CREDITS was enclosed ... .just old billing statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is regarding XXXX XXXX Inaccuracy # 1XXXX The " date of last activity '' does not match across XXXX XXXX XXXX, and Equifax XXXX XXXX reports XX/XX/XXXX, XXXX shows XX/XX/XXXX, and Equifax shows XX/XX/XXXX. This date must be accurate because this is the date of original delinquency. A collection account can only stay on your credit report for 7 years and then it is deleted. This date also determines when the statute of limitations is up and shows how long a debt collector has to sue and in Texas that is 4 years. 

Inaccuracy # 2- The amount owed of does not match across the bureaus. XXXX is reporting {$500.00}, XXXX is reporting {$500.00}, and Equifax is reporting {$500.00}. 

Inaccuracy # 3- The " Report date '' is being updated every month this the current month and making the collection look new. My most recent credit report shows that XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. 

Inaccuracy # 4XXXX The " Open date '' does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. 

Other Violations on this collection account include : -Equifax is reporting a past due amount of {$500.00}. Collection accounts are closed and there for should not be reporting a past due balance. 
-XXXX  is reporting is reporting this closed collection account as " open ''. 
-There is no date of last payment listed for any of the credit bureaus. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information. 

XXXX and the credit reporting agencies XXXX, XXXX, and Equifax were made aware of all FCRA violations multiple time and the issues were left uncorrected every time. They have also NEVER provided the original contract containing my wet signature, NEVER provided an itemized billing statement of all payments made, NEVER showed proof of ownership to show that they are authorized to the collect the debt, and NEVER provided the method of how the collection balance was calculated. I have already requested this information in previous disputes. This company is taking part in illegal debt collection practices and after this I dispute, if the violation is not fixed, I will be taking further legal action.
Product: Student loan

I contacted EdFinancial, my student loan servicer, on XX/XX/XXXX. I asked them to apply a monthly payment ( made in addition to my minimum monthly payment ) against the principal balance of my loan. They refused to do so, and stated that payments must be made against the interest first. I pointed the service agent to the CFPB page linked below, which indicates that a borrower can instruct the servicer to apply the payment against the principal amount. They still refused to apply the payment to the principal amount of the loan and stated that per their policies it is not possible to do so. At this time, I have not been allowed to pay against the principal amount of my loan which I would like to do. 
https : //www.consumerfinance.govXXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, you % XXXX % XXXX % XXXX % XXXX.
Product: Student loan

I have been a long time loan paying citizen and I have been trying to gain some help in lowering my payment to sustain a descent lifestyle. I was temperarilry put on a lower interest rate program but now that that is over I have no other options to pay the high monthly fee. I have made several request to lower my payment and there is no help available. I have pay every month and I am diligent in calling to help with my cause. I have not even been able to the principal down I have only paid interest thus far.
Product: Credit reporting

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom It May Concern Equifax, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX I have never lived at these addresses.or associate with address Please remove them. 
My correct address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I been living there since XX/XX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Mortgage

I'm currently in a bankruptcy it has now been two years. my mortgage was with XXXX XXXX. At the end of XX/XX/2019 they switch me over to PHH mortgage, so I started paying PHH mortgage starting XX/XX/XXXX. Well in XXXX they return my money to me for the month of XXXX. I called and spoke to them and they told me I have to pay them from XX/XX/2019, I told them no that I had XXXX XXXX AND I HAD ALL MY BANK STATEMENT TO SHOW FOR IT for the whole year of 2019. But they will not talk to me nor will they take my money. They keep saying they want there XXXX from last year. That's not right and its not fair. At this point I don't know what to do. I do not know what's going on with my house as of know, all I know is that I will fight for my home. I want to keep my house. All I know is that they will not take any money from me and I'm getting nerves I have my XX/XX/XXXX that lives with me and my XX/XX/XXXX who is going to college. I need advice I hope you can help me. The payoff letter that I have included is not right they have added on more money then what it is supposed to be. If we can not get this straighten out we will go to court. The payoff is only around XXXX not sure where they are getting there figure from. I just would like all this done and over with. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Regarding Late Payments on Account # XXXX Dear CFPB, I am writing to formally dispute inaccuracies in my credit report concerning the account with XXXX XXXX ( Account # XXXX ). After a thorough review of my records, I have identified discrepancies in the reported late payments for XXXX, XXXX, and XX/XX/year>. To the best of my knowledge and documented payment history, these payments were made on time. 
Details of the Account : High Balance : {$2900.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$0.00} Account Status : Paid Payment Status : Late 90 Days Supporting Evidence : I have attached copies of my payment records demonstrating that no payments were late during this period. 
Enclosed is a detailed copy of my credit report highlighting the errors. 
As mandated under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), information reported must be accurate and verifiable. I kindly request that you reinvestigate this account and provide : A description of the procedures used in your investigation. 
Documented proof of the late payments, including dates and amounts. 
If you can not substantiate the late payments, please update my account to reflect its accurate status as " Paid As Agreed Never Late. '' Failure to address this matter promptly will be considered a violation of the FCRA. 
Thank you for your immediate attention to this matter. I expect a response within 30 days, as stipulated by the FCRA. 
Sincerely, XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Payday loan, title loan, or personal loan

This account is a checking account overdraft protection line of credit account. The checking account was opened years ago, not XX/XX/2020. When I closed out my Bank of the West mortgage and then closed the checking account, I was given a dollar amount to fully cover any outstanding balance. 

Obviously this amount I was given was wrong!!! So Bank of the West puts a charged off account on my credit for this? And stops me from qualifying for a new mortgage at the highly qualified interest rate I have earned. 

How can an account open XX/XX/2020, close XX/XX/2020 and be reported as a charge off? And XXXX reports the Date of First Delinquency is  XX/XX/2020. That is 17 days before the account was opened, according to FCRA reporting.
Product: Consumer Loan

I paid in full XXXX and they were to report, per the attached email. They did not report the entire month of XXXX and they have reported every month prior to XXXX. And they finally reported on XXXX and did not show the paid account. They are ignoring my emails and phone calls. Even the local branch can not get a call or email about why they are not reporting the account with XXXX balance and paid in full date. I was turned down for credit because of this very account. It is the only negative that would keep me from obtaining credit. I want it removed in its entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked over my credit report and I noticed some inaccurate accounts that are reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of those accounts. I also have no understanding of how or who could have access to my credit. Now because of this issue, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have these derogatory accounts removed from my credit file.
Product: Mortgage

On XX/XX/21 on the FHFA website a press release has this quote ; " FHFA also announced that borrowers with a mortgage backed by XXXX XXXX  or XXXX XXXX may be eligible for an additional forbearance extension of up to XXXX months. '' On XX/XX/21 I called my mortage servicer Mr. Cooper, and inquired about extending our forbearance. I was informed Mr. Cooper had no information or guidance on the the FHFA directive. 

I am concerned that I am missing the opportunity to extend my forbearance
Product: Debt collection

I have gotten as many as XXXX calls from these people in one day. They call several times a day every few hours, sometimes as soon as 30 minutes later. I do n't answer numbers that are blocked because I do n't know who it is. My husband answered one time when I was away from my phone and they said it was Comenity bank. This is getting to the point of harassment. I work night shift so they are waking me up all day long. Also, I was under the impression that they are not allowed to block their number. Is there anything I can do?
Product: Credit card or prepaid card

I have filed a fraud claim with Discover Card. I have TWO active police reports. I am ALSO a victim of Identity theft the amount on the claim is $ XXXX.Stolen Discover card. I was initially denied the fraud claim with discover while there are TWO active police reports. The action was done by an active drug user who actually called discover admitting to her actions. Discover Confirmed this to me yet is trying to re invoice me. Date of Fraud Transations is XX/XX/2017. Criminal went and said XXXX came XXXX Conquered. She even agreed to come to police department and never showed up. Discover is COMPLETELY in the wrong in this situation. I have all the actions including TWO active police reports. In getting discover they state they have fraud protection. This is clearly fraud. How could they victimize some one who was victimized by a crmimial.?
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Debt collection

I paid Lloyd and McDaniel law firm XXXX on XX/XX/2018, they are still reporting negative remarks to the credit bureau and they have not released the judgement off of my credit. They told me it would take 14 days to remove the negative mark on my credit but its still on there. I have reached out to them several times and they refuse to remove the judgement even after I have paid in full.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX, I've been retired from the US Military since 1971. I'm now an XXXX year old man, and lve been retired for 48 years. I've recently pulled my credit to see what was on it. Apond pulling my credit I found several items that I never applied for, several address on my credit profile that I am not aware of. I never lived at any other address. If you look at my credit profile I have live only in one state after I retired from the Military in 1971, I have not lived in no other state. I built my home here and have always live here in XXXX Florida after I retired in 1971. I have always had perfect credit and now my credit have been used fraudulently used. I am asking for my address to be corrected on my credit profile and any other to be removed form my credit profile. I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account on XXXX XXXX XXXX XXXX multiple times with Equifax. They continue to keep this account on my credit after validation request was not provided. There was a couple of times that I did not get a response in timely manner from Equifax. I have given Equifax information that XXXX has not provided validation of the debt and the other credit agency 's have already deleted this from my report but Equifax continues to state this is validated and it clearly has not been validated.
Product: Credit reporting or other personal consumer reports

Dear. Equifax I just recently looked at my credit report XX/XX/XXXX and I saw some hard inquiries that did not have my permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested an investigation from all three credit agencies to investigate and validate that my informations is being reported properly and none of them confirmed the accounts.
Product: Checking or savings account

A friend sent me money in which I attached all receipts for a trip as seen on the receipts attached. From her phone number etc. We then chose to cancel an I advised once I received funds back she would be refunded. She chose to report fraud instead of awaiting the refund. My bank without researching calling me etc just put fraud on my XXXX account and close permanently. Staying confirmed fraud. I said how was that confirmed I was contacted no one asked me for documentation like a regular investigation. They were just aggressive and told me it was permanent dosnt even try to fix it when I advised I had proof this not fraud. I put a lot of money is this account monthly. See attachments it was clearly sent from the sender XXXX on her own free will thats not fraud. Her requesting a refund is not fraud I have to process her refund from XXXX nothing to do with my bank or XXXX. But my bank stated they confirmed fraud how and where. My bank can confirm both of these ladies sent the money only one lied on it being fraud.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint against Experian and Equifax for failing to remove several charge-offs that should no longer be reported. The IRS approved a 1099-C Cancellation of Debt form for 3 charge-off accounts. Experian received the dispute on XX/XX/year> and Equifax on XX/XX/year>. It has been over 10 days and the accounts have not been updated. Under IRS Code 26 USC 6050P, once a debt is canceled and reported to the IRS, it is no longer legally owed. Under FCRA 15 USC 1681, credit bureaus must maintain accurate and verifiable information. Since the debts were legally canceled and reported as income, the charge-offs are now inaccurate and misleading, violating my rights under FCRA.
Product: Checking or savings account

I had my unemployment account hacked from XXXX 2021. The hacker had logged into my account but switched the account numbers, so I never received a XXXX of the {$8000.00}. I have been going back and forth with Bank of America edd and unemployment for the last four months now and my fraud claim just keeps getting denied. I had to file a tax extension because I refuse to pay taxes on the money that I did not receive. I have filed police reports, sent copies of my bank statements, I even got a copy of XXXX credit report showing all of my current open accounts but I still keep getting denied. I need help. I do not know what to do anymore. XXXX XXXX XXXX has been very helpful helping me email XXXX but he is even stumped because he doesnt understand why they keep denying me. I am a broke XXXX XXXX XXXXXXXX XXXX XXXX  who could have really used that money and let alone can not afford to pay taxes on that amount. Please help. I have done everything that XXXX has asked me to do. I keep getting document after document proving that I am not associated with that account number that is still currently on my unemployment profile. However, my fraud claim just keeps getting denied. I have been in contact with XXXX newsrooms office, the attorney general, and senator XXXX. I need help proving my innocence. I have even been back in contact with the officer that I had originally filed my police report with to see if he would be willing to file a search warrant through edd to figure out who had hacked me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX for XXXX XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply 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 fail 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 XXXXXX/XX/year>