23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022 I received an email from CASH APP stating I had sent XXXX to a XXXX XXXX XXXX TXXXX XXXXXXXX XXXX Purchase Order was for {$990.00} at XXXX XXXX. I was off work and doing laundry and housework. I did not make the purchase. I am really not totally certain what a XXXX is or how it functions. 
I called my Credit Union and alerted the fraud department. 
I called CASH APP and was told there was nothing that could be done since the purchase was already completed. I closed my CASH APP at that time to avoid further disaster. 
My credit union initially reimbursed the funds, and then reversed their decision saying I did make the purchase from one of my devices, and withdrew the funds from my account. 
The following information was provided from XXXX XXXX XXXX. 

Entry method : CASH_TRANSFER Amount : XXXX Transaction Date : XXXX XXXX XXXX Payment Token : XXXX Merchant order number : XXXX XXXX XXXX XXXX provided a Retrieval Reference Number : XXXX
Product: Student loan

In the time that I attended the XXXX program I was pressured to take out high interest private loans through Genesis Lending. During my time at XXXX I was pulled from class and not allowed to return until financial arrangements were set up. The loan officers would pull me out of class to go down to the financial aid office and fill out the electronic form for Genesis Lending to be sure that I was approved for additional funding before I was allowed to return to class.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction and raise a complaint regarding Equifaxs refusal to remove adverse items from my credit report, despite providing the same documentation that was approved by XXXX, XXXX, XXXX, and XXXX. This matter is deeply concerning, especially since Equifax itself accepted and acted upon similar documentation in 2022. Background Information : 1. Adverse Items Removal by Other Agencies : XXXX, XXXX, XXXX, and XXXX reviewed and approved the documentation I provided to substantiate the inaccuracies in my credit report. These agencies subsequently removed the adverse items in compliance with the Fair Credit Reporting Act ( FCRA ). 2. Equifaxs 2022 Approval : In 2022, Equifax accepted the same documentation I provided and acted upon it to update my credit report. This creates a precedent for consistency in handling similar issues. 3. Current Issue with Equifax : Despite Equifaxs prior acknowledgment of the validity of my documentation and the actions of other major credit reporting agencies, Equifax is now denying the removal of the same adverse items. This inconsistency is detrimental to my credit standing and raises questions about Equifaxs adherence to the FCRA Complaint Details : Equifaxs current refusal to honor documentation that has been universally accepted by other agenciesand by Equifax itself in the pastconstitutes unfair and inconsistent treatment. This not only undermines my trust in Equifaxs processes but also negatively impacts my financial well-being. Under the FCRA, credit reporting agencies are required to ensure the accuracy and fairness of the information they report. Equifaxs actions appear to contradict these obligations, and I am requesting immediate rectification of this matter. Resolution Requested : 1. The immediate removal of the adverse items from my Equifax credit report, consistent with the decisions of XXXX, XXXX, XXXX, and XXXX. XXXX. A formal explanation of why Equifax is deviating from its prior practices and the industry standards upheld by other agencies. 3. Assurance that my rights under the FCRA are being fully respected. Survivor Protections Under the Law : As a survivor of XXXX XXXX, I am protected under the XXXX XXXX XXXX Credit Reporting Act and similar state laws. These laws explicitly allow for the removal of adverse credit items directly resulting from my XXXX  experience. 2. Removal by Other Agencies : XXXX, XXXX, XXXX, and XXXX reviewed and accepted the documentation I provided, which demonstrates that the adverse items were connected to my experience as a XXXX XXXX. All these agencies promptly removed the items in compliance with federal and state law. 3. Equifaxs Prior Approval : In 2022, Equifax itself reviewed and approved the same documentation, removing adverse items from my credit report. However, the refusal to act in this instance disregards both its prior actions and my legal rights.
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. 

Account name : 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 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 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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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. 


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 XXXX
Product: Debt collection

Recent monitoring of my credit reports shows an account XXXX listed by enhanced recovery collection agent in the amount of {$1700.00}, from a original creditor, t mobile, i hereby dispute that this account is in error, unverifiable and inaccurate and should not been reported to the my credit reports, i have not receive any correspondence about this debt from XXXX or the collection agency verifying this debt and providing contractual agreement bearing my wet signature and identification. Reporting of inaccurate information from debt collectors to credit report is against the fair credit reporting act and i demand that this issue be addressed immediately, i demand that such report be removed from my credit reports immediately, i also demand verification of debt from the collection agent providing with the contract with the said creditor bearing my wet signature and identification and itemization that amounted to said amount reported on my credit reports, failure to do so will warrant a legal action for defamation of my credit report and unscrupulous means of collecting debt. The items reported to XXXX and any other credit reporting agency should be removed immediately.
Product: Student loan

I'd like to receive payment history ( for amount paid ) throughout the life of my student loan. The loan was sold by the company formerly known as ACS ( Conduent ) and is now serviced by XXXX. I have all payment history from the date of XX/XX/XXXX but would like the prior 11 years ' worth of history from Conduent. Payments began some time in XXXX and there has been some forbearances and deferments during that time. When my balance was transferred over to XXXX, the high amount as reflected on my credit report says {$19000.00}. When I began making payments with XXXX, they started my balance as {$21000.00}. I don't understand this discrepancy. I need to confirm accuracy by reviewing the history in total. On the XXXX website, they state they have only received one historical transaction from ACS/Conduent and it was basically the total balance due ( {$21000.00} ). There were no history of payments. Also, there are no previous tax statements at all. My statements only go back to XXXX. When I log into the Conduent/ACS site, it just tells me they no longer service my account and to refer to the new servicer. I have tried contacting ACS by phone. However, the number is not in service. I have contacted Navient by phone but they say this is not their problem. I believe I have made at least half of the 120 payments required for loan forgiveness. However, I have no historical proof due to the way my loan has been managed by ACS educational services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be removed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Secured card reported to XXXX  XXXX   And experian As XXXX XXXX And was removed from my report On Or Around XXXX after it stopped reporting Around XXXX Of 2019 And i would like it back on my report. XXXX has told me to Request the bureaus Put it back on my report if this is wrong please contact XXXX XXXX and advise them of this.
Product: Checking or savings account

My mother deposited a check into my Bank of America account on XX/XX/XXXX. She was told by the rep at the bank that the funds would be available on Tuesday, XX/XX/XXXX after XXXX. That made sense and it helped me plan on how to pay bills. Later in the evening on XX/XX/XXXX, I get an email from Bank of America stating my funds will be held until XX/XX/XXXX, which is XXXX  days because they felt that the check would be returned. This makes no sense and they are abusing their power by refusing to give their clients the money they are owed. My mother is XXXX XXXX XXXX and has never bounced a check. I am telling you this in hopes of holding them accountable for their shady business practices and lies. They have NO RIGHT to hold my money for 11 days. If they done this to me, they have done it to others. My hope is the CFPB will take them to court
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX  XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

The Office of the Attorney General has put an acct paid as agreed account on my credit file on XXXX for {$14000.00}. This is not my account and have no records of any child support. 
I disputed this item in XX/XX/year> and this items was removed once before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a car from them and set the car on Auto Pay when I purchased it. The lender took payments with no issues for 5 months. Then their system had an issue and on XX/XX/2021 their Auto Payment system did not work. The creditor reported me 30 days late which was an error on their part. I called them and I addressed this issue but they have yet to correct the reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the account listed below has violated my rights. 

XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Mortgage

Ocwen financial continues to charge us for home flood insurance despite us not being in a flood zone since 2014. We have sent Ocwen the proof, from FEMA, stating that we are not in a flood zone since 2014. They have even acknowledged receiving the proof ( letter ) we sent to them stating we are not in a flood zone, each year since 2014, but they continue to try and forceplace flood insurance every year in XXXX when our escrow account is renewed. They are clearly trying to charge us for something they know we do not have to pay and they make it very hard for us to get the flood insurance they 're trying to forceplace canceled, despite us sending them all of the necessary paperwork 2 months prior. This is a wide practice and I am shocked that they continue to do this. They act with impunity and they 're harming consumers. I would like to see some action taken against them for knowingly trying to charge customers for something they do not have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, recently checked my credit report and was disappointed that Self is reporting on a closed account and that all 3 credit bureaus are allowing this. This account has been closed since XX/XX/XXXX. I received my pay out from the company and acct has been closed. 

On my credit report this company closed my account in XX/XX/XXXX. However they have been reporting late payments since XX/XX/XXXX. The last reporting date on this account is XX/XX/XXXX and this is significantly damaging my credit report. 

When logging into the site I am not prompted that I owe anything just offering to do business with me again. This is holding me back from so much.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Accounts Request for Investigation and Removal Dear TransUnion, I am writing to formally dispute the reporting of late payments on the following accounts as listed on my credit report. These accounts contain inaccurate or unverifiable information and are impacting my credit score unfairly. 

Accounts in Dispute 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  ) Under 15 U.S. Code 1681s-2 ( a ), furnishers of information are required to report accurate data and correct any inaccuracies. Furthermore, under 15 U.S. Code 1666 ( b ), creditors must apply payments accurately and resolve disputes regarding billing errors promptly. Finally, 12 CFR 1026.13 provides protections for billing error resolution under Regulation Z of the Truth in Lending Act. 

I am requesting a thorough investigation into the accuracy of these late payments. If the information can not be verified, I request that these records be corrected or deleted from my credit report. 

Supporting Documents I have included the following documents to assist with your investigation : A copy of my identification Proof of current address Under the Fair Credit Reporting Act ( FCRA ), please complete this investigation and respond in writing within 30 days of receiving this letter. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under FCRA 611 ( 15 U.S.C. 16811 ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. 
Please explain why it was not removed initially, despite my submission of all required documents, including my ID, Social Security, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against Experian reveal troubling patterns of non-compliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within XXXX business days. Should you fail to delete this account within the timeframe, I demand the name and address of anyone contacted to verify the disputed. information. 

( XXXX ) XXXX XXXX {$16000.00} ( XXXX ) XXXX XXXX  {$1800.00} ( XXXX ) XXXX {$2000.00} ( XXXX ) XXXX club. {$14000.00} ( XXXX ) XXXX XXXX {$7800.00} ( LA XXXX ) XXXX XXXX {$3700.00} ( XXXX ) XXXX  {$4.00} ( XXXX ) XXXX XXXX XXXX {$480.00} also I am a victim of identity theft my information been exposed on Experian and XXXX.
Product: Credit card

The credit card company is charging me to much in interest and fees I pay about XXXX dollars a month but they charge me XXXX in interest and XXXX in fees every month so Im only paying XXXX dollars every month XXXX XXXX think thats fair
Product: Credit reporting or other personal consumer reports

FOR THE LAST 2 MONTHS IVE SENT IN A FTC REPORT AND LETTTERS AND FRAUD DISPUTE PERTAINTING TO TRANSUION XXXX INACCURATE INQURIES ON MY CREDIT REPORT, THESE INQURIES THATS LISTED ON MY CREDIT REPORT IS NOT ATTTACHED TO ANY ACCOUNTS THAT BELONGS TO ME, I HAVE NOT GIVEN ANY AUTHORIZATION TO ANY COMPANY TO RUN MY CREDIT. I HAVE REACHED OUT TO THE COMPANES AND THEY HAVE STATED THAT THEY DO NOT SEND ANY INFORMATION TO THE CREDIT BUREAUS PERTAINING TO CREDIT INQURIES. IM HAVING A HARD TIME GETTING TRANSUNION TO WORK MY DISPUTES, I SEND IN LETTERS AND DO NOT GET ANY RESPONSE FROM THEM..I AM A CONSUMER AND I HAVE RIGHTS UNDER THE FCRA, HOW ARE THEY GETTING AWAY WITH NOT RESPONDING OR ANSWERING MY DISPUTES. THIS IS A VIOLATION OF MY CONSUMER RIGHTS. THEY ARE NOT COMPLING WITH THE LAWS OF THE FCRA, MY DISPUTES ARE NOT GETTING ANSERED, I HAVE SENT IN SEVERAL DISPUTES FOR THE PAST 2 MONTHS AND FTC REPORTS, LETTERS STATING ABOUT THE FRAUD UNKNOWN INQURIES,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is NOT conducting a reasonable investigation required by Law. Not only is they required by law to go beyond the furnishers of this information but I never requested an investigation due to the fact Equifax never had permissible purpose to furnish anything without my consent. Equifax states that the items I'm disputing are " either currently processing that dispute or has recently provided me with the results '' ... .this is an irrelevant incomplete response to the situation at hand! Equifax are required to have my consent to furnish anything on my consumer report, it is my consumer report. im aware that they get paid Fees to furnish anything whether its correct or not! They are violating numerous of Federal Laws such as the Fair Credit Reporting Act, Gramm Leach Bliley Act and aggravated identity theft for using my information without my consent after being made aware of their actions! I HAVE A RIGHT TO PRIVACY
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint regarding the wrongful re-instatement reporting of a collection for XXXX XXXX XXXX initiated by the following 3 agencies XXXX Credit reporting agency XXXX. XXXX XXXX XXXX, GA XXXX Experian credit reporting agency XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, WI XXXX This XX/XX/XXXX I discovered ( negative credit item and account number ) had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. <P/>XXXX had removed the collection from my Credit Reports on XX/XX/XXXX In XXXX of XXXX ( 2 YEARS LATER ) I was notified by my credit monitoring service that this same collection was re-added to my Experian and XXXX Credit reports. <P/>I was not notified of the reporting being reinstated over the 2 year period by any party at any time as per the FRCA requirement Cited below :
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you review the documents? There are some inaccuracies in the listed accounts, such as incorrect amounts and dates.