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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by Equifax Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Information : Account Name : XXXX  Account Number : XXXX Reported Late Payment : XX/XX/XXXX High Balance : {$1000.00} Balance Owed : {$0.00} Account Status : Closed, Paid Evidence of Errors : Discrepancy in Reporting : Equifax incorrectly reports XXXX XXXX late payment in XX/XX/XXXX. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request. 
Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payment for XX/XX/XXXX from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Credit limit was first increased then they decreased it. No payments were missed and have never been late in all the years and never been over the credit card limit since doing business with them. Telephoned creditor to inquire why credit limit was decreased. They advised they needed to decrease it due to ability to repay. Advised them this made no sense as I have never been late or over the limit with them. Later they pushed to try and have me setup an automatic payment with them. I refused to do so as I stated that I have never been late or over the credit limit with my account. Since Discover card reduced my credit limit my credit score was negatively affected and decreased my credit score. This has had a domino affect now with my other creditors who have subsequently reduced my credit limits which has further reduced my credit scores. Again I have never been late or over the credit limit with Discover or XXXX. Because of Discover it has adversely affected my credit scores and credit limits with other creditors due to no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate names : List of misspelled or inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) : for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 
CREDIT REPORTING AGENCY NAME has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, or written instructions to do so. These actions have caused my family and me a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance with these particular items that you are reporting under FACTA Title 1 sec. 151. 
I have enclosed copies of my state-issued identification and social security number to validate my identity.
Product: Debt collection

I have recently received notification that Barclays card is looking to gain a settlement regarding a debt that is not mine. I never authorized a card ( XXXX XXXX ) with Barclays. I also never received a card, bill, or any other notification in the mail regarding an account in my name with Barclays. I was initially contacted by a debt collector after this debt was approximately 6 months past due, however, in conversations with them, I discovered that the address and my birthday listed on the account were incorrect. The information incorrectly listed me at an address in Indiana at that time the card was open when in fact I lived in Illinois. I explained this to the debt collector, however was never given any additional information. I also disputed this with the credit reporting agencies as I have never used this card and never authorized this card. In discussions with the debt collector, I was informed that the card was used and paid on time for several months before the payments stopped. However, I never made any of those charges or any of those payments. I have tried to contact Barclays to gain information regarding the account, including account opening information, statements, and payment information, but have not been able to speak to anyone who is able, or willing, to assist me. As this information is being reported negatively about me on my credit report, without properly notifying me that it could be. I never received any statements in the mail or through an email address, and again this account was not opened by me, had incorrect CIP information which should have triggered this account to not open, and I never signed any information agreeing to a contract between myself and Barclays Card.
Product: Mortgage

XXXX XXXX held my primary mortgage, PNC holds my HELOC. I was widowed on XXXX of XXXX and became a single parent of my XXXX old daughter. In XXXX, I was laid off due to COvid. In XXXX, I became severely XXXX and had to get my toe cut off. I was unable to stand for over 6 months and denied unemployment or workers comp inorder to keep my health insurance and have my medical bills paid. During all of this, for the past 4 years, I have constantly, consistently and purposefully remained in close contact with both XXXX & PNC to request Mortage Forebearance and Mortgage Modification. I have begged them to settle with me for a discounted payoff. Over the 3 years, I have placed more than 50 phone calls and completed their forms and sustained constance abuse of both entities asking me to resubmit, stating they never received the applications, something was missing that they needed but they never told me. In late XXXX, after being blindsided with foreclosure papers from PNC ( while I had been calling them weekly to learn if they'd accept a loan modification ), I was referred to Illinois Housing Assistance. I have submitted an application for financial yet they say they have reachecd out and need info from XXXX XXXX. XXXX XXXX says they never received IHAF request. Conveniently, XXXX XXXX has just sold my loan to XXXX and they say they haven't received any request from IHAF. However, everyday when I call IHAF to see if they can award me some support, they claim neither of the 3 creditors have responded and they will not accept the information from me. I have over 75 contact dates, phone numbers, case numbers. 
I have now just received a letter dated XX/XX/XXXX that the new loan agent of the XXXX XXXX Mortgage, will begin foreclosure proceedings in 33 days from today. 
I can not explain the discrimination and abuse I have endured in trying to make ends meet and to not default by staying in constant contact and providing every single notice of doctors appointments, and medical records. I have dates, records and the best news it, both XXXX and PNC have taken all calls from me and my advocate on recorded lines which you can obtain for proof of my hardship and pleadings to them.
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. 



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, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX TX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

THIS ACIMA ACCOUNT WAS FRAUD. I NEVER OPEN THE ACCOUNT, THE ACCOUNT WAS OPEN ON XX/XX/22 I RECEIVED AN EMAIL ON XX/XX/22. I CALLED RIGHT AWAY INFORMING ACIMA THE ACCOUNT WAS FRAUD AND I NEVER OPENED THE ACCOUNT. THE ACCOUNT WAS OPENED ONLINE AND FINANCED THROUGH ACIMA IN MY MAIDEN NAME XXXX XXXX. I HAVE FILED A POLICE REPORT WITH XXXX XXXX POLICE DEPARTMENT MY REPORT NUMBER IS XXXX. THE COMPANY STATED I ALSO NEEDED TO FILE A REPORT WITH CFPB.
Product: Student loan

Many year back I consolidated my Federal Parent loans for my daughters with Navient or as it was then called XXXX XXXX. At the time XXXX XXXX advertised in their literature that if the consolidated loan payments were paid on time for a period of years ( I think the number of years was 5 but I am not absolutely sure that is the correct number ) my interest rate would be cut from 5 % to 4 % for the remainder of the loan. I have in fact complied with all their requirements, although I change the payment to an extended plan about 3 or 4 years ago ( well after the required 5 years they required when I consolidated ), but I have never received the reduction in the interest rate. 
At the same time I consolidated the loans I asked if all the other terms that I had under the " Direct Loan '' program were still in force and they replied " YES ''. However, I am now in doubt, can you confirm that is true? Three of my main concerns with regard to this are : 1. Upon my death and the presentation of a death certificate to Navient are the remainder of the unpaid consolidated loans considered paid, i.e. wiped out? 
2. Are my surviving relations i.e. : my wife, or children in anyway responsible for the remaining balance? 
3. Is there a maximum length of time when the consolidated loan expires ( if payment has been made consistently ), I am under the impression that happens after 10 years?
Product: Debt collection

Midland Credit Management sent me letters claiming I owed money. I am a victim of identity theft and so I have no idea what this debt is about. To make matters worse, they recently sent me a letter claiming they are going to sue me which makes no sense since I never injured them, and I never did business with them. I never signed any agreement to do business with them. This debt is completely fraudulent and I am a victim of such fraud. I went to my local police station to file an identity theft report, but they refused to let me file one. They directed me to the ID theft website, and now I am submitting this to rectify this fraud situation. In the event Midland Credit Management chooses to follow through with a lawsuit, this complaint is my formal notice to Midland Credit Management that the CFPB is aware of my situation and that Midland will be liable for suing a victim of identity theft. I am also prepared to file my CFPB complaint into the record if it comes to that.
Product: Student loan

FedLoan Servicing reported me being 90 days late in XXXX of XXXX. In XX/XX/XXXX and again in XX/XX/XXXX I called and told them that I had lost my job and they said that I would be placed in forbearance. I went to apply for a home loan and noticed that on all three reports that I was marked as 90 days delinquent on all 9 accounts. I contacted FedLoan Servicing and the agent told me that he saw where I called in both times and that I should have been in forbearance during that period. He said he would make a not on the account saying such. I checked a few months later and noticed it still said the same thing. I called again and this time the representative instructed me to do a Credit Dispute form. I did so and within a week it was denied. I did this 2 more times, each time a different representative telling me to do and submit different information. I was told by a representative tat if I wasnt very specific that they may not even look at my information and just deny it because no one wants to look through and figure all this out. I submitted the proof from my credit reports circled and highlighted the information. I was still denied. I havent had a late payment on my credit report in years because I knew I wanted to purchase a home this year. I am becoming very frustrating and not confident in our institutions. I have been doing what they tell and submitting documents and keep getting denials without response other that its valid. I do not understand how if they can see my phone calls that they wouldnt know that I requested a forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, XXXX XXXX - XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX, US BKPT CT XXXX XXXX XXXX XXXX, have violated my rights 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 reporting, credit repair services, or other personal consumer reports

I have made payments and still have the creditor reporting to my credit as late and affecting my credit score where i am not able to do anything with credit due to this account- XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX account # XXXX is Paid-in-Full. The account is not " Open '' or in a " Payment Plan '' as it is completely paid. XXXX has been asked to correct this inaccuracy. XXXX and Experian have also been notified to correct the false information but have not.
Product: Student loan

my loan was refinanced XX/XX/XXXX. my bank payments were continued to be cashed by acs and aes since XX/XX/XXXX until now XX/XX/XXXX. the money did not go towards the loans. its fraud.
Product: Debt collection

A strange note appeared on my credit report about a debt owed to a collections company somehow affiliated with XXXX XXXX. We don't use XXXX. We never have. I have no idea where this is coming from.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act Equifax, has violated my rights. 

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

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

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX Transunion 1997, Tranunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. 

This account violates these laws : 15 USC 16811, 15 USC 168152. 15 USC 168115, 15 USC 1681eb.

INCONSISTENCY OF OPEN DATE CLOSE DATE ACROSS ALL 3 BUREAUS IS INCOMPLETE INACCURATE & MASSIVELY INCORRECT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX ACCOUNT NUMBER XXXX
Product: Debt collection

Dear [ debt collector ], I was contacted by [ debt collector representatives name ] via [ phone or mail ] on [ date ]. The representative said I owed [ dollar amount ] to [ name of creditor ]. However, I do not owe that debt. My information was stolen [ when ], and I disputed that account with [ name of creditor ] and the major credit bureaus. 

If you believe that I am still responsible for this debt, please send me any documentation you have that proves that I owe it. Until then, please cease all communication with me and note on your records that I dispute any responsibility for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent off letters to the credit bureaus regarding inaccurate and unknown items listed on my personal credit report. As of today it has been over 30 days ( 35 days exactly ) and I have not received a response yet. I really feel like I am being taken advantage of and my disputes not taken seriously, basically ignored as if how this effects my score and life is a game. Base on my understanding from my research they have up to 30 days to investigate the items and if not those items should be immediately removed from my credit report. As I mentioned it has been over 30 days. I respectfully demand that these accounts be deleted immediately or I will file for litigation due to the stress and hardships this is causing me. Also my personal information was impacted by Equifax 's data breach and may have landed in the wrong peoples hands. Thank you in advance.
Product: Checking or savings account

I have tried to connect my XXXX wallet to my PNC bank account so that i can fund that wallet and purchase various digital currency, but i am not able to do so. I contacted the bank, but they can not help me either.
Product: Credit card

Hi, I opened a credit card account with walmart XX/XX/2015. The advertisement said the card came with a {$35.00} sign on bonus if one use it for a purchase right away. I did but the company did not deliver. I paid off my entire bill using the creditcard 's website before the due date in XX/XX/XXXX. A month after, I got a message stating that my bill was n't paid and there was a late fee of {$35.00}. I called the customer center to have the situation rectified and the apologized for the inconvinience and stated that the payment did n't go through but they 'd waive the late fees. So I paid off the amount and asked to terminate the card and my membership. We went through the process and the representative said the account was closed. This was in XX/XX/XXXX. A month later I received another email for a payment and a late fee. I called again and this time the customer service rep was very unprofessional and did not offer me any help. I called another rep and went through the entire process again. I now have the total amount in my bank records. This was two months ago. Today I received a bill in the mail from walmart requesting more payments. They do n't have any other means of contact order than the customer service number which have proven to be very unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

want the XXXX XXXX XXXX from all 3 burs