23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This company is reporting a collection on my credit that I am not legally responsible for. I was a victim of multiple data breaches and have attempted to dispute it multiple times however they have yet to remove it from all XXXX credit bureaus. It has only been removed from XXXX but is still showing on XXXX XXXX XXXX. XXXX removed it back in XXXXXXXX XXXX. I have disputed it with XXXX and XXXX in XXXX, XXXX and XX/XX/year>. I also disputed it directly with the company in XX/XX/year>. I recently learned that this is a violation of FCRA 605 ( b ). This needs to be removed immediately as it is negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update both XXXX and XXXX XXXX accounts. information being reported is inaccurate. 

XXXX, SOLD THE ACCOUNT, THEY NO LONGER OWN IT. 
XXXX XXXX, REMOVED LATE PAYMENT INFORMATION. 

THEY REFUSE TO ACCEPT DISPUTES ON THESE PARTICULAR ACCOUNTS AND HAVE ASKED THAT I SEND LETTERS TO THEM. I REFUSE. ITS THEIR RESPONSIBILITY TO REPORT ACCURATE INFORMATION, PER FCRA. 

EXPERIAN IS ROGUE, THEY SEEM TO DO AS THEY PLEASE< MAKE UP THEIR OWN RULES, WHILE USING THIS INFORMATION TO DESTROY PEOPLE FINANCIALLY, WITH NO ONE HOLDING THEM OR THEIR ACTIONS OF ABUSE AND BULLYING ACCOUNTABLE.
Product: Money transfer, virtual currency, or money service

I looked up an customer service number for cash app and received a number from cashapphelp.com i called to raise my daily cash limit i was prompted to download quick view support were the rep was to walk me through steps to access a higher limit but the rep ended up transferring all my available funds of XXXX then was able to access my husband cash app as well and transfer all the money out of his account totaling in XXXX from both accounts there is no number to call back and our funds was transferred to and unknown account ending in XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

I do not approve these requests and they are of no relevance to my financial operations. I'm demanding that they be removed from my credit report ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has a late payment on my credit report ; XX/XX/2021 XXXX XXXX XXXX XXXX has a late payment on my credit report ; XXXXFirst Progress has a late payment on my credit report as well. Privacy and Consent- There is no law stating that any transaction need to be reported. 

15 US Code 1666B- billing error
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for an American Express Hilton card that offered XXXX points + one free night at a Hilton Hotel when spending {$2000.00} in 3 months. At first, I got rejected for the card, so I called the customer service line and asked if they can reconsider me for this card. The man over the phone at first said I wouldn't be able to get the points because they are no longer offering it BUT the offer was active on the website. I then explained to him I should be able to since it is an active promotion. He then realized he was wrong and figured out a way to get me accepted. He then reassured me MULTIPLE times that I will get the bonus points after spending $ XXXX in 3 months. After receiving my card I asked a customer service representative on the mobile chat if I got the bonus points and they said I did not get accepted. I explained that I got reconsidered for it and the representative stated they do NOT reconsider applications. This is not true because my brother went through the same process and got accepted and got his points. 

Keep in mind the guy on the phone reassured me multiple times that I got it. He was even happy that I got it and called himself a " genius '' for figuring out a way to do so. ( all should be recorded through them. ) I opened an investigation with AMEX but they are taking too long and I want this to be resolved ASAP.
Product: Mortgage

Dear XXXX : Although I have a conventional fixed rate mortgage with Wells Fargo ( WF ), a well documented criminal enterprise, I have been instructed by WF to first make payments to " XXXX XXXX XXXX XXXX XXXX  '' which first refused to acknowledge my timely payments, dunned me with incessant calls and letters saying payments were not made which had been made, XXXX up my credit with false late payment reports and then after I complained here, blamed me for not sending them my bank statements although I had sent certified return receipt letters from two bank managers showing all payments made. This was a corporate attempt to illegally put me into default and foreclosure and steal my equity. Nothing was done about the dunning or the credit damage inflicted although I believe my account was corrected for the payments that had not been acknowledged. I say I believe because even though I am an XXXX  the escrow and Account Activity Statements sent by XXXX are incomprehensible ( I think purposely so ). So first Wells Fargo disassociates itself from the attempt to steal my equity by using XXXX and now it looks like I am being set up for another round with this new company " XXXX XXXX XXXX '' which is instructing me to send a payment {$97.00} higher than what I paid WF and {$29.00} higher that what I paid XXXX. Since this CFPB   doesnt really do anything but keep records I am making this record so that that when I figure out how you are stealing from me by making my payment higher each year on a fixed rate mortgage and hiding it in incomprehensible documents and how many other people you are doing this too i can make you pay. Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these inquiries XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 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 card

Paid off credit balance. Cleared my checking account on XX/XX/2024. When called to check my balance, still showed owing complete amount.

I called customer service to find out what is going on. They said I did not make a payment. Have not changed banks, accounts or anything different. Account has been open for XXXX  years. I have been paying this way for.

When calling the agent, I was laughed at. Said she didnt make the payment, as if the payment was not made. When asked to close the account XXXX who said was a supervisor honestly laughed at me. If you pull the taped conversation you will hear her. I told her this is a lot of money and is nothing to laugh at. She said she is a happy person. I couldnt take the stress of trying to fix the account. The more I tried to explain myself, the more I felt I was not being taken seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. 
These are disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collections that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off and collection account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX or synchrony bank is one of the worst company to have credit card with because its like deliberately derive joy in messing your credit up and will not correct their mistake. 
XXXX is reporting me as being late for months that I paid to them and effort to make them correct the erroneous information has not yielded any result. 
I used two different account to make payments to XXXX. One of the account was XXXX XXXX and it was closed in XX/XX/XXXX. The major account used is my XXXX XXXX XXXX bank account out of which payments were made on the following dates XX/XX/XXXX {$60.00} XXXX, XXXX XXXX {$25.00} XX/XX/XXXX XX/XX/XXXX {$17.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$35.00} There was no day or date that I was 30 days late or more according to the credit reporting furnished to the bureaus by XXXX/synchrony bank
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required XXXX-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, SC, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, SC, XXXX Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX  XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The United States Department Of Education is reporting inconsistent and inaccurate information which is in multiple violations with the FCRA. Per the FCRA all information being reported must be 100 % accurate across all three credit bureaus. The Date Of Last Activity shows for XXXX  as XX/XX/XXXX and XXXX  as XX/XX/XXXX while Equifax as XX/XX/XXXX. This is an violation by the accounts with XXXX  and XXXX  would be ILLEGALLY re-aged on the time frame of which they would stay on the credit report. This account is closed as a XXXX Off but yet Equifax is reporting it as open and 120 days late. This is a violation as well with the FCRA by an account can not be a XXXX off and late 120 days at the same time. An account first goes late then into collections then to charge off status. An account closed can not steadily report late payments per the FCRA. I've also disputed this account previously with XXXX  and Equifax and came back as verified but yet on the document attached shows they never updated the Last Date Verified which defined by the FCRA they're suppose to update the profile each time. Per the FCRA i may collect up to {$1000.00} per violation for which this inaccurate and inconsistent reporting has caused my credit score to drastically drop and continuously drop. I've been denied job opportunities because of this reporting and even so loans. I've lost 3 jobs sadly during this pandemic due to closures and this inaccurate reporting is making it harder to move forward with its reporting. Attached is documents showing such violations and inaccurate/inconsistent reporting along with job denial.
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. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Student loan

I was contacted by a program called XXXX XXXX that supposedly helps reduce your student loan. I recently graduated and thought it would help. I was a victim of Hurricane Harvey and needed all the help I could get so I jumped on it. After agreeing to their services I later researched their company and found that they charge for a service that students can do on their own without assistance. I was rushed through the signing process and not given a good explanation of the program. They stated " If you don't act now you might not qualify later because the government is trying to do away with these program ''. Then she promised to lower my student loan to {$35.00} a month. I was blinded by the hope of reducing my student loans. 
When I called back to speak with the representative she didn't exist? This program scammed me into depositing XXXX and was planning on taking over {$1000.00} for a service that any one can do without assistance. I finally spoke to someone and he denied to help stating its my fault for signing a contract and that he could not honor my request to stop the service. 
This company scams you by luring students that just graduated promising to help them with a ridiculous number. I fell for it because I didn't research it first.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the List of accounts has violated my rights. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Disputed account balance with all bureaus which has balance due customer of approxXXXX $ XXXX XXXX XXXX. Not corrected score unchanged. Constant balance and score difficulties Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :
Product: Mortgage

I had a mortgage loan through XXXX Mortgage where the payments went up due to increased taxes and insurance. I got new cheaper insurance which was to be paid through my escrow balance, it never was. This caused my insurance to expire without my knowledge due to the notices being sent to the mortgage company. I was notified too late and had to purchase more expensive insurance myself. After this occurred XXXX was investigating there error for me. Before the investigation was completed they sold my loan to Loancare a XXXX XXXX. After 3 months with Loancare they conducted a escrow analysis and increased my payments from {$810.00} per month to {$920.00} per month. I called to ask about this and they stated my escrow account was negative {$1200.00} which needed to be paid back plus {$800.00} which was to remain in the account at all times. This comes to {$2000.00}. After I broke down my payments from the information on my account out of the {$920.00} only {$440.00} was going to principle and interest and {$470.00} per month was going to escrow. This comes out to me paying {$5600.00} in escrow per year. When I called Loancare 's customer service I spoke with XXXX ID number XXXX who told me I owed {$2000.00} in escrow and that 's why the payments were so high. After I explained the breakdown to XXXX she stated that I did not know all the in 's and out 's of escrow and that 's why I do n't understand the gross over payment. When I asked if I could speak to someone who could explain this to me she stated there was no one else to talk to. XXXX then told me she had already explained everything to me. When I asked for a supervisor she stated he was not available and I would have to leave him a message. I left a message and could not understand the name on the recording. The supervisor has yet to return my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Am a natural person I am a living human being I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Product: Debt collection

XXXX XXXX XXXX sent someone to serve me a lawsuit on a debt that is not mine. When I called to request information, they threatened me that I would have to wait for court or wait for the garnishment documents from my employer. They claim to be collecting a debt from XXXX  from Household BankXXXX. The amount was roughly $ XXXX and they said I could request a settlement but would have to make the settlement payment first. .before providing any documents on the debt, and original creditors. 

Phone number - XXXX Address provided - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Fax number- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status shows XXXX different status XXXX pays account as agrees XXXX paid or paying as agreed XXXX account legally paid in full for less than full balance Payment history shows account was never late