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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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: Credit card or prepaid card

On XX/XX/2022 I contacted Fortiva Credit about the process of paying my account in full and closing my account. I was told by a customer representative to send a certified or bank issued check to a given address to which I did. A week later I received a payment reminder of my upcoming payment at that time I called and checked my account status they then proceeded to tell me they havent received my check. They told me it may take up to 10 days to post I kept an eye on my account at ten days I called they then asked me to send my bank information on the check I had sent to a fax number which I did a week later I received a call stating they still havent received my check I again confirmed the address to which I sent to be correct, At this point they told me to re fax my check information to the same number as before I waited for three days and called back went through the whole thing again with customer service at this time I was told that they had given me the wrong fax number I then faxed information again to the new given number. A few days go by and I receive a call stating I was late I again had to explain the situation again and was told to give it a couple more days about 7 days later I received another call and was told I was accruing late charges at this time I contacted my bank and asked to place a stop payment on the check and overnight a new check please my bank asked for me to contact Fortiva for a address to overnight to and a full account number I called customer service they provided me with a overnight address but said it was not possible to provide me with a complete account number they could only provide the last XXXX I then contacted my bank and sent them a payment voucher as I had done with the first check at this point I assumed everything was taking care of but then I get a credit report alert when I checked Fortiva had reported I was 30 days past and do to this my credit report dropped XXXX points. I have never seen a group that was so hard to pay a account in full and close my account as these people ridiculous Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed in XXXX of 2020 unauthorized inquiries and one account marked charged off and one account I was never late on and another that does not belong to me. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance : {$7100.00} XXXXXXXX XXXX XXXX Balance : {$7000.00}
Product: Mortgage

XXXX amount of {$430.00} mortgage company Newrez located in Texas. I contacted them several times they said they have sent a check and a copy of the delinquent tax bill, i told them it had to be paid by XX/XX/XXXX and have spoke to the treasures off in XXXX XXXX XXXX  everyday they still haven't received as of today XXXX and will put a lien on my house if it isn't paid by tomorrow XX/XX/XXXX. They sent it through the usps.
Product: Money transfer, virtual currency, or money service

PayPal is ( 1 ) removing money from our XXXXXXXX XXXX  account without our knowledge or permission and ( 2 ) not allowing us to remove or decouple our XXXXXXXX XXXX account or ATM/credit card from their system. This is like a burglar not allowing you to close your own window.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX inquiries showing on my credit reports
Product: Credit reporting or other personal consumer reports

Complaint against Equifax, XXXX and XXXX credit bureaus : In XX/XX/year>, I received a breach notification from a health care provider of my minor child. It did not offer credit monitoring or say exactly what information had been compromised. 

As a result of the breach notification, I contacted the XXXX credit bureaus to place a freeze on any credit report created on my child. I was told by each of the XXXX that to obtain a freeze on a XXXX credit report, I was required to complete a written form and mail It to each of them- including all of my XXXX childrens and I personal identifying information. I could not do the process on line or over the phone for any of them. 

Although I was reluctant to send extensive personal information about me and my children by mail, I completed the forms and mailed then with tracking through a XXXX office to help protect the information. I later learned that XXXX simply forwards such mail to XXXX for delivery. This was in XX/XX/year>. 

XXXX of the XXXX letters were delivered, XXXX and XXXX. XXXX was not - Equifax. I called the XXXX and Equifax and was simply told that the letter had not been delivered. No further information was available to me. Equifax representatives told me to resend all the document. As I was preparing to close all my credit accounts and open new ones to prevent fraud, I contact the United States XXXX XXXX XXXX. The Postal Inspector I talked to was incredibly helpful and did locate the missing Equifax letter which he said had been misplaced between the XXXX XXXX and the Equifax courier. Whew. 

My question and complaint is why is it reasonable to require breach victims to send very confidential personal information through the mail in order to place a freeze on their childs credit report - including but not limited to after after a breach notification. Seems like the process only compounds the insecurity caused by the breach. Although in my case after much time and effort things were fixed, there has to be a better, more secure and consumer friendly way to handle this situation. 

XXXX XXXX
Product: Student loan

I was contacted by Discover student loans in XX/XX/XXXX and was told that my in school deferment had expired and that I needed to reapply and that it would take approximately 4 weeks approve and to call back. I contacted Discover again in XX/XX/XXXX and was told I received misinformation but that I may have additional deferment time and that they needed to look into things further. During this time I was speaking to Discover daily and receiving different information every time I spoke to them. I informed Discover that I could not make payments for the full amount of XXXX dollars because I am in school completing my XXXX degree and my family was preparing for a move across the country because of my husbands military status. Finally in XX/XX/XXXX an account manager informed me that if I made payments of XXXX on XXXX of the month that I can have a rolling delinquency and my account would not go into collections status. Discover contacted me this week and told me that my loan was 92 days past due and that they had reported my account to both my and my co-signers credit reports. When I spoke to an account representative he informed me that he saw where the account manager had given me the information in XX/XX/XXXX and that he could see that I had been making the payments on the XXXX of the month since but that the information I was given by the account manager was not true. He also informed me that had my account not been placed in collections status that my co-signer could have been removed from my loan but that " they do n't like to tell people that '' and now it was to late to do. He also told me that because they purchased the loan from XXXX that they can not do anything for me and that their hands are tied.That they are not honoring the terms that they honor for their own loans but instead are sticking with the originally terms.I have received misinformation from Discover at every turn and honored the agreement that I was told would keep my account from reaching default status in XX/XX/XXXX but I am continuously being lied to and now it has seriously affected my credit.
Product: Debt collection

I noticed some fraudulent accounts on my credit report that are affecting my ability to get credit. Please remove them.
Product: Credit reporting or other personal consumer reports

I just checked again my Equifax, XXXX and XXXX credit reports and I can see accounts reporting inaccurately. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 or other personal consumer reports

XXXX, XXXX & Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report.

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.

Items listed above, have 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 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 ( AN ( 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. 

Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX, Account # XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$0.00}, Payment Status : Collection/Charge off Account Name : XXXX XXXX, Account XXXX XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$710.00}, Payment Status : Collection/Charge off Account Name : DISCOVERBANK, Account # XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$200.00}, Payment Status : Collection/Charge off Account Name : XXXX XXXX, Account # XXXX, Date Opened XXXX XX/XX/XXXX, Balance : {$740.00} Account Name : XXXX XXXX XXXX, Account # XXXX, Account Type : XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$440.00}, Payment Status : /Charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 A letter was sent to XXXX XXXX XXXX requesting payment history and documents to support what is reporting to the bureaus. I have yet to get any response. 

I then followed up with the bureaus on XX/XX/2020 via fax. The silence is deafening. Inconsistent data continues to report with errors. 

I will attach the documents I had sent to the bureaus along with the report. I am going to list the inconsistent misleading data. 
Date of first delinquency is not listed Purge date is not listed Date of last payment is not consistent Date opened is not consistent Late dates are not consistent
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with 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 to be removed/updated.

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.

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!
Product: Debt collection

Discover is reporting a debt on my XXXX report as being owed. This is inaccurate. I do not have a signed contract with this company nor an agreement stating I owe this account or company. I have now submitted disputes to all the bureaus accounts for them to validate this debt on my report and to provide the written and signed contracts reporting the debt. This company is violating FCRA consumer laws by reporting inaccurate information and I am requesting that this account be removed from my credit file immediately. All this is causing me so much emotional stress and I will move forward with legal action if not. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian on XX/XX/2020. I never heard anything from experian stating that they received my dispute nor did I receive a response saying that they investigated my dispute. I has been well past the 45 days. I have the letter attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX student loan collections reporting to XXXX in error which is dropping my credit scores XXXX points and it is inhibiting me from getting a home loan. 

There are also XXXX student loan collections reporting to XXXX in error. 

XXXX XXXX has deleted all of the student loan collections. 
XXXX hasnt deleted any of them. 
XXXX has deleted all but XXXX of them. 

They should have all been removed from all three credit bureaus because of me completing the govt rehab program in XX/XX/2022. I was told they would be removed within 30 to 45 days however, it is now 60 days later and there as collections still reporting.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a credit card payment to Bank of America for the balance of my statement. On XX/XX/XXXX Bank of America charged a duplicate payment against my account. The total of the payments was almost XXXX}. Bringing it over the XXXX dollar balance of the account I call immediately and requested a refund of the duplicate payment I was told it would take up to 7 days. 

I received no refund. I called back after 10 days and was informed it would be escalated and that I would receive my funds within 48 hours. I called back 4 days later and had received nothing. I was told they could reescalate but it would take up to 7 days. At this point Bank of America has held an interest free loan from me for 18 days and shows no inclination to return my payment. I immediately closed my account but have no resolution.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking, and the information listed below on my credit report is a direct result of that trafficking. In accordance with my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following erroneous information from my credit report : Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As mandated by Section 605C of the FCRA, please block this information from my credit report within four business days. I also request written confirmation of the actions taken regarding the removal of these items.
Product: Credit reporting or other personal consumer reports

Account/File # XXXX This complaint is a REBUTTAL to a response from XXXX XXXX XXXX dated XX/XX/year> regarding a dispute on the above Account/File Number & also previous disputes regarding this account.

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop responding to my disputes with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Product: Mortgage

My mortgage servicer, Shellpoint Mortgage Servicing, made several errors on my account, resulting in an incorrect balance due even though I made all payments early. 

I notified them of the error almost 2 months ago on XX/XX/19 and provided all the documentation they requested but they have still not fixed it. 

They charged unnecessary insurance to my account. 
They set up an authorized escrow account on my mortgage. 
The made an erroneous report of late payments to credit agencies. 

Please help! 

Thank you
Product: Credit reporting

Equifax has inadequate & incorrect criteria for credit reporting. For instance, I have had over {$56000.00} in auto loans over the last 10 years, paid XXXX % on time, yet this is n't figured into their scoring procedures, plus XXXX % on time mortgage payments on hundreds of thousands in real estate loans. In addition, they improperly weight XXXX late payments as extremely credit lowering, where on the XXXX accounts in question alone, this represented XXXX % of payments over 24-48 months and they give no credit for XXXX auto payments made on time. I 'm sure they do this to everyone though it is a totally invalid and misleading approach to representing an individual 's payment & credit status.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and Im baffled as to why theyre there. When I checked my report as usual, I was shocked to see discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries remained. Because of this, I urgently request a thorough review of the documents I've submitted so that I can put this worry behind me.
Product: Credit reporting or other personal consumer reports

XXXX has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the XXXX  XXXX data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the XXXX XXXX breach, which affected over XXXX XXXX people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent account