23daVinci/CFPB_Complaints huggingface dataset:
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. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX and Reporting Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681 section 602 states I have right to privacy.

15 U.S.C. 1681 section 604 Section A states a consumer reporting agency may furnish a consumer report 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 items of adverse information, other than records of conviction 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: Prepaid card

RushCard was to perform maintenance on Monday from XXXX to XXXX Today is Wednesday and I still can not access my account. When you try and reach customer service the line rings and rings. My direct deposit was supposed to post and I have not received my funds. This seems to be affecting XXXX people and there is no correct communication.
Product: Credit reporting or other personal consumer reports

I am writing to submit a complaint in reference to the following information that XXXX XXXX XXXX XXXX supplied to XXXX, Transunion and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to XXXX accounts ( XXXX open XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX ) Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during Covid-19 I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Mortgage

On or about XX/XX/2020 I received my 1st notification from Carrington Mortgage stating they will know be serving my loan. My loan was previously serviced by XXXX XXXX  whom my last notification from them was on or about XX/XX/2020 stating they had all documents and in process of loan modification. Neither XXXX or Carrington Mortgage notified me prior to the transfer. This is part of a long list of complaints. On XX/XX/2020 I sent Carrington Mortgage a letter requesting to utilize my rights under the CARES ACT and requested a COVID-19 forbearance on my mortgage loan by mail and through Carrington 's Portal. The next day I log in Carrington has updated the portal which stated Covid 19 assistance from XX/XX/2020 until XX/XX/2020. Carrington 's backdated my request to XX/XX/2020 please be mindful that Carrington 's did not have my account on XX/XX/2020 and XXXX was still working on my loan modification. Also if this were correct which it is not Carrington 's would have been unlawfully charging me fees under the CARES ACT. I have a long list of fees that Carrington 's charged after the transfer.
Product: Credit reporting or other personal consumer reports

Equifax has been informed by me a few times through disputes that they have incorrect information on my credit report. Each time I was told it was validated. This is the last correspondence before legal action will be made. I have the following accounts on my Equifax agency report that need to be removed due to them being now considered income. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All of those accounts have been charged off and through the IRS charged off accounts are seen as income and income is not to be reported on any reports unless I agree or allow this to occur. There is also two accounts in collections XXXX XXXX  two times. They are to be taken off my report for two reasons 1 ) I have no contract with them at all and I informed them that they were to cease and desist. 2 ) With my agreement with the past creditor it states they do not give my information out to third parties. XXXX would be a third party. 
They also did not help in taking off my employment history and at the bottom of their form which I will attach ( I have no collection accounts ). I will also attach the IRS law.
Product: Mortgage

My mortgage has went up almost {$250.00} over 3-4 months. 
My property taxes has decreased due to a {$50000.00} exemption but my payments are still going up every 2 months. They have A, B options That are being offered to me which I've never heard of. I've never authorized/chosen any of them but they add them anyway. Its increasing my mortgage payment from {$1500.00} in XXXX to {$1700.00} XXXX. They're excuse is " my escrow acct '' and taxes increasing..However my taxes has decrease. I'm not getting anywhere with these ppl.. My mortgage is becoming unaffordable due to their compounding. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my car to an individual and have the notary stamp on the sale of the vehicle. I sold the vehicle as a sublease, and the individual continued to make payments on the vehicle. However, the person that " purchased '' the vehicle declared bankruptcy in XXXX and made one last payment on the car in XXXX of that year. The car was repossessed and my credit was impacted and not the person with the signed notary. I sent documentation of this to BMW financial and they stated that I could not dispute this because a payment was made in XXXX
Product: Debt collection

I had a verbal agreement with  XXXX   XXXX   XXXX  center prior to my  XXXX   XX/XX/2015   . The agreement was that I put {$1000.00} down and was able to pay out the remaining balance with {$200.00} a month payments. After my  XXXX , they tried collecting more money from my insurance company for several months. When they finally sent me my bill, they were demanding full payment. I called and spoke with the billing department and reiterated our previous payment agreement and was told that they could only accept either full payment or {$500.00} a month. After I told them that I could n't pay that amount, they immediately sent it to a collections comapny..
Product: Credit reporting, credit repair services, or other personal consumer reports

By law me as a consumer and the person making the report by law does not have the right to report anything including EXPERINCES OR TRANSACTIONS, according to 15 USC 1681a ( 2 ) ( i ) Exclusions-Except as provided in paragragh ( 3 ) the term " consumer report '' does not include- ( a ) subject to section 1681s-3 of this title, an- ( i ) report containing information soley as to Transactions or Experiences between the consumer and the person making the report. 

The 6 late payements reporting on my report has impacting me from buying a home and obtaining new credit for my family well-being, those marks as late payments are considered transactions or experiences between me the consumer and the person making the report. 

-late payments shown on report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I also was was impacted by covid as well in XXXX, my father passed in XXXX and me and my son contracted it at the end on XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX & XXXX XXXX was never late! I have had exceptional payment history witH XXXX  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 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 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 8
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$10000.00} 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, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Equifax refuses to verify the validity of numerous inquiries on my credit report. I was told that it 's a " factual record '' but Equifax will not provide me a copy of a signed authorization form, giving them permission to report these inquiries as fact. Equifax can not and will not provide me with proof bearing my signature and giving authorization for my credit file to be viewed by ANY company, therefore giving them permission to report these inquiries. I request that the below mentioned inquiries be removed if proof bearing my signature can not be provided. 
1. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX
Product: Debt collection

After contacting the Bureau to find out about a debt that I dont owe them, they never responded to my request but instead reopened the account on my credit report. I dont have any contract with this company and although I asked for verification they never got back to me.
Product: Credit reporting or other personal consumer reports

The credit bureau notified me of a 30 day late payment to my student loan. However, I was unaware of this discrepancy, and assumed my XXXX loan servicer was notified of my in-school status as of XX/XX/2024. I submitted documents, on XX/XX/2024 after being notified that they were NOT aware I was in school part-time. I submitted the XXXX XXXX XXXX XXXX for XXXX XXXX XXXX, and it was approved. I am in school half time as of XX/XX/2024. I completed the paper work. I was NEVER notified via electronic delivery of a past due balance. I would like this to be reviewed please.
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX : ACCT # XXXX, XXXX ) XXXX XXXX XXXX : XXXX, XXXX ) XXXX : XXXX Has violated my rights. 

15 USC 1681 section 602a States I have rights 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 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Product: Credit reporting or other personal consumer reports

XXXX XXXX acct # XXXX XXXX XXXX, XX/XX/XXXX XXXX  15USC 1681 sec 602 I have right to privacy15USC sec 604 states a consumer report agency may not furnish an account without written consent. 15USC 1681 ( a ) ( 5 ) no consumer reporting agency make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years please move this account
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Improper Handling of Credit Information Dear CFPB Members, I am writing to formally file a complaint against Equifax for the re-insertion of outdated and incorrect personal information in my credit report, despite my prior request for its removal. This situation violates my rights under both federal and state consumer protection laws. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information on my credit report. Under this law, Equifax is required to investigate disputes within 30 days and correct or delete any inaccurate or unverifiable information. The re-insertion of incorrect information without proper notification is a direct violation of the FCRA, specifically section 1681i ( a ) ( 5 ) ( B ). 

*MY NAME IS : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Employment History In the state of California, the California Consumer Credit Reporting Agencies Act ( CCCRAA ), Cal. Civ. Code 1785.1 et seq., also protects my rights. This law requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy and confidentiality of information and prohibits the re-insertion of outdated information. Specifically, section 1785.16 requires credit agencies to investigate and correct errors within 30 days of receiving a dispute. 

Therefore, I request that Equifax : Immediately remove the incorrect and outdated information from my credit report. 
Provide an updated copy of my credit report with the corrections made. 
Ensure that such information is not re-inserted without proper verification. 
If Equifax fails to comply with these requests, I will proceed to take the following actions : File a formal complaint with the Federal Trade Commission ( FTC ). 
I appreciate your prompt attention to this matter and look forward to a resolution as outlined above. I am attaching copies of my identification, the relevant credit report, and any supporting documentation for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account XXXX and 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit Cards {$2100.00} {$3100.00} Both Cards have been charged off and it is a violation to report charge off accounts. 

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.
Product: Debt collection

Debt collector calling on behalf of XXXX after I verbally requested cease and desist.
Product: Checking or savings account

Counterfeit checks were deposited and cashed from my Business checking account, none of which were authorized. I contacted my banking institution within a timely manner ( 24hrs ) and have gotten no response back. The 1st 2 checks were deposited on the XX/XX/XXXX for {$7300.00} and {$7600.00}. Banks were closed on the XXXX of XXXX, I called on the XXXX to report it. The bank took a claim and said someone will get back to me in 2-10 business days. Another check for {$7600.00} was deposited and cleared on the XXXX of XXXX for {$7600.00}. I again called and notified Suntrust on the same day, and another report was taken. Another check for {$4800.00} was deposited and cleared on the XX/XX/XXXX. Again, I called Suntrust to report it and why they keep clearing these checks. I was told it would take 30days to get a response back, meanwhile I am out {$28000.00} plus bank fees. To this very day, Suntrust has not gotten back to me with a single phone or response of any kind. I need assistance because I make daily calls to the bank and I keep getting the run-around.
Product: Credit reporting or other personal consumer reports

Hard Inquires on my credit report that I did NOT apply for. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX