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

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : ID, Identity Theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Student loan

My loans began with XXXX in XXXX They held my loans until I discovered the PSLF program and after my research was able to discover I do qualify. I just needed to transfer my loan to XXXX XXXX and enroll in the correct IDR plan. My loans sat with XXXX from XXXX. During this time 3 payments were made. My loans sat in forbearance for XXXX months. According to the lawsuit filed by my AG, I qualify for {$450.00} worth of compensation. I received my notice yesterday. {$450.00} is an insult. I need those XXXX months to qualify for a program that was already in place for two years. Instead, I spend every spare minute fighting for change and fighting for justice. XXXX has denied forbearance steering whenever I complain, yet how can they explain XXXX months of forbearance, on a graduate plan, and never informed about this program? 

I am now told there is a chance my forbearance will count, but have to wait again... I need to wait until the Fall for change.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax, XXXX, and XXXX for their continued failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account. Despite my repeated requests for correction, including disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of federal consumer protection laws. 
Discrepancies and Errors Identified Late Payment Reporting Discrepancy : A 30-day late payment for XX/XX/XXXX is reported inconsistently across the credit bureaus. However, my payment history reflects timely payments before and after this date, and no substantiated evidence of a late payment has been provided by the credit bureaus or the creditor. 
Inconsistent Data Across Bureaus : The closed date for this account is inaccurately reported or omitted by certain credit bureaus.

Payment statuses and account descriptions are inconsistent, with one bureau indicating Account closed by consumer and another marking it as Closed or paid account/zero balance.

Violation of FCRA Standards : Under 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of consumer file information. This obligation has been disregarded, as evidenced by the unresolved errors in reporting.

Failure to Provide Notice as Mandated by TILA : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment for XX/XX/XXXX raises concerns about the creditor 's compliance with this requirement. 
Impact of Inaccurate Reporting The inaccurate reporting has significantly harmed my creditworthiness and caused undue stress. The lack of timely correction has further eroded my confidence in the accuracy and reliability of credit reporting practices.

Desired Resolution Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report with Equifax, XXXX, and XXXX. 
Written confirmation from each credit bureau confirming the correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal proceedings and filing additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been several disputes submitted online to have the inquiries removed. Equifax keeps sending results saying they have been verified. I need to see proof that these have ACTUALLY been verified. I do not recall authorizing. Under the Fair Credit Reporting Act, noone can request my credit without my permission. I would like to be shown proof that I in fact authorized this inquiry, or please remove from my credit report.
Product: Debt collection

Someone calling him/herself " XXXX XXXX '' has contacted me multiple times attempting to collect an alleged debt. I asked " XXXX '' several times to provide the account number, the name and address of the alleged creditor, and verification that " XXXX '' is authorized to act in loco creditore. In addition, the website for " XXXX '' does not function. XXXX has refused to provide all of the information I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct # : XXXX This is a closed account. 
XXXX XXXX closed this account on their own almost 6 months ago yet they are still reporting a payment status every month for the last 5 months. Before the account was closed it had a positive payment history. How can a closed account still report a payment status? This is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX is reporting transaction history on my credit report and according to the Master Promissory Note they will not report transaction history. This is also a violation of my privacy under the Family and Privacy Act of 1974. You can not report without my consent. The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX XXXX Balance : {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$290.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX XXXXXXXX Balance {$450.00} XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my accounts was properly investigated, but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, accounts that are in collection are also being reported as late payments, and the dates last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 sections 602 A. States I have a right to privacy 15 U.S.C 1681 sections 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions The Credit Bureaus are in direct violation of Federal Law under the Fair Credit Reporting Act ( FCRA ) 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I, the consumer and natural person, am filing this complaint about my consumer report in its entirety. The Credit Bureaus have assumed this role without my PERMISSION OR CONSENT! They did not exercise their grave responsibilities, they were unfair, they were partial, and they did not RESPECT my RIGHT TO PRIVACY! They NEVER had a permissible purpose! And I NEVER INSTRUCTED Them to furnish or create this report and I NEVER CONSENTED to this report in the first place. I have disputed these reports in their entirety as well as other accounts time and time again for years. I have asked them to remove ALL items from my consumer reports AS SOON AS POSSIBLE! And since they have failed to make reasonable procedures to resolve my requests to remove this report in its entirety, I am now being misrepresented by each Credit Bureau because these corporations have chosen to continue making fraudulent statements in my consumer report.
Product: Money transfer, virtual currency, or money service

My cashapp card throughout the year has been subject to multiple transactions that I did not condone. Every time Ive texted the chat support they checked my transactions and said they could not dispute said claims. Its happened multiple times and it got to the point I would have to lock my card but fraudulent transactions found its way through when I would forget to lock it back! Its frustrating having my money taken when I trust this app enough with my bank information and causal spending. Many other people are having the same issue!
Product: Mortgage

I hold a mortgage with Freedom Mortgage. In XXXX, my scrow payments amounted to {$6000.00}, and in XXXX, they increased to {$7200.00}. However, in XXXX, there was an unexpected and significant hike in my escrow payments, soaring to {$22000.00}, which is an alarming 400 % increase from the previous year. Despite my efforts in requesting a re-evaluation of this surge, the escrow was further raised. 

I have been informed of a supposed deficiency in my escrow account and acknowledge that taxes and insurance costs may fluctuate. Nevertheless, the rationale behind such a steep 400 % increment in escrow remains unclear, as the explanations provided are inadequate and unsatisfactory. 

Regrettably, my attempts to seek a resolution or to engage with a supervisor for further assistance have been unsuccessful. The only solution presented to me is to comply with and absorb this substantial 400 % increase in payments, a proposition that is both unreasonable and financially burdensome.
Product: Checking or savings account

Beginning in XXXX of 2019 I have attempted to contact HSBC about the {$350.00} welcome offer they advertised when I opened my account with them on XX/XX/2019. Since then I have been told to call back anywhere from 24 hours to 2 weeks to get response. I have been told I will be called back. Since XXXX, I have not received one call back from HSBC regarding my query. I've been told that I was not eligible due to not applying through the landing page, I provided screenshots of the offer, the terms and my application ID. They have confirmed that I met the terms of the offer, however they have not credited my account with the {$350.00}. 

Most recently, I was told back in XXXX that some back office team told them that my application ID was tied to another customer and they were trying to figure out why and that the {$350.00} needed to be approved by a manager and would be paid in another 6-8 weeks. It's now been well past that timeframe and I just called on XX/XX/XXXX for an update and I am being given the same runaround answer that their query management system team needs to look into it. After pressing them more, I am told they are re-opening my case which should take another 4 weeks to be paid. I have been eligible for this bonus since XX/XX/2019 and it should have been paid 6-8 weeks after that date. I have called HSBC at least a dozen times in this time and have received nothing but broken promises that this would be resolved.
Product: Credit card or prepaid card

Around XX/XX/2022, a card that I had with Capital One was upgraded to a Venture XXXX credit card. At the time of the upgrade, I was told that the card would be a XXXX XXXX Venture XXXX XXXX. I was happy about that because I use the network XXXX more than XXXX XXXX. On XX/XX/2022, I received an email from Capital One explaining the new card benefits, and I replied that the card was XXXX XXXX. I called customer services the same day around XXXX XXXX ( pacific time ) and spoke with XXXX, a rude Senior account supervisor ; XXXX was not professional or showed empathy about the situation I explained to him.
Product: Credit reporting or other personal consumer reports

I'm a victim of the NPDData Breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries which include 28 critical findings tied to my identity within the breach. In addition, I'm also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1581 et seq., the Consumer Finarrcial Protection Act of 2010 ( CFPA ), 12 U.S, C, 5536 ( a ) ( lXa ) - ( b ), 5564, and 5565, and my right to privacy as specified under 15 U.S.C. 1681 ( aX1 ) - ( 4 ). 
I have reason to believe that my credit file has been subjected to improper investiqations or reporting practices, which have led to inaccurate reporting of my information. Furthermore, I believe EXPERIAN 'S handling of my credit file may violate my privacy rights as guaranteed under the FCRA. As I've requested Experian 's method of verification several times back in XX/XX/XXXX, and as late as XXXX of XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX 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 to be removed.

They are not in compliance with the following law. 15 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. 


XXXXXXXX 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, credit repair services, or other personal consumer reports

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

My credit account is with Citibank. Account has always been in good standing with no delinquency. I have not used my account recently as it is for emergencies. Citibank closed the account with no notice. This action taken by the bank without my knowledge caused my credit score to drop by 25+ points. When I called to request that they reinstate my account they informed me that they would need to pull a hard credit inquiry further dropping my credit score In order to reopen the account. This bank also has my primary checking account that I have had for 17 years, one feature of the account is a credit tracker in which I can see my current credit score which is now XXXX, down from XXXX. My checking account has not dropped below {$15000.00} in the past 5 months, and the line of credit I am requesting be reinstated is in the amount of {$300.00}. I dont understand why they must pull a hard inquiry and further lower my score in order to undo an action that they performed without my consent. Especially since they can research my credit worthiness by using information they have readily available from my checking account and an additional credit card I hold with the company which is in excellent standing. So to reiterate, What I would like is for Citibank to reopen the account and remove the item from my credit report which caused it to drop by 25+ points and to do so without further damaging my score which I have worked incredibly hard to build.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 different accounts that I feel are showing up on my credit report in error and have not received a response from the credit bureaus. I have sent several letters to the credit bureaus to investigate these accounts. I started this process on XX/XX/XXXX initially to get this erroneous information removed from my credit report as it is inflicting serious damage to my score. I received a response from that dispute. However, I sent another letter to them XX/XX/21 and XX/XX/21 and received no response. I feel like my requests are being ignored and a proper investigation has not been given. There are clearly errors that I have pointed out in the letters that I have sent. It is my right to have my credit report present accurately and without errors. In addition to that, I have also been requesting that my personal information be updated. I have requested this several times. I do not want several variations of my name appearing on my credit report or several different addresses. I have expressed how my name needs to appear across all 3 credit bureaus and my current address and for good reason. With identity theft at an all time high, I think this is very necessary to help to reduce the chances of this happening to me. I feel like my rights are being violated and I want these issues to be fixed immediately.
Product: Checking or savings account

Account shut down due to " XXXX '' the CSR 's could not elaborate. I'm looking for answers. Where's my XXXX dollar account opening bonus, what was the XXXX reasoning ( too many new accounts, negative comment ) and lastly what will you be placing on my XXXX XXXX for closing reason. I am following up with the CFPB. The manager XXXX in the XXXX branch was the one that terminated my account, but she couldn't elaborate. She gave me the runaround and told me to contact the XXXX number in which they told me to contact the branch manager ( XXXX ). My account had been open for 4 months and I completed the bonus requirements before the date of XX/XX/XXXX when they needed to be completed by. Was locked out of my account last week, and have a letter saying it'll be " fully shutdown '' buy theXX/XX/XXXX. 

I called in today the XX/XX/XXXX This can be linked to the other CFPB dispute I sent the other day. I received new information ( letter and correspondence with a manager )
Product: Debt collection

I have repeatedly asked Equifax to validate the debt with documentation of my signature that I owed the collection company money. I have been disputing this collection for XXXX years and have not received any documentation from Equifax validating the debt reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation.I would like this item immediately re-investigated.The inaccuracies are highly injurious to my credit score ACCOUNT NAME Account name XXXX Account number XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up.Please send me an updated copy of my credit report after your reinvestigation. Account name XXXX  Account number XXXX
Product: Debt collection

I received a piece of mail today stating that I owed XXXX XXXX money when I don't have an at XXXX account and I've never had a XXXX account and I want to get that taken care of because I'm not trying to have debt on my name that's not mine, I attached the notice paper and the bill from my actual energy company that
Product: Debt collection

Midland Funding LLC got a default judgment against me in XXXX, I found out about the judgment in XXXX. Then I filed a motion to set aside/vacate judgment. The judge would not vacate the judgment stating " The he believes that i was served because Midland Funding LLC produced a last minute postal ticket saying that i was served. 
I WAS NOT SERVED, I REPEAT, I WAS NOT SERVED. I proved to the judge that I was not even home at that date ( witness affidavit ) and I proved that I was NOT my signature, I tracked the ticket and the ticket showed Nothing as I was " untrackable ''. Though the judge believes the Process server as Midland claims they got the Postal ticket from the Magistrate who issued the default judgment. I need help here as I'm feeling very cheated because I was never served anything to appear.

My i also mention that Midland Funding LLC has violated almost every FDCPA & FCRA in the book, i proved/showed the judge over {$12000.00} in violations by them and nothing is being done.