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

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Case # - XXXX Dear Equifax : I called Equifax consumer care dept on XX/XX/28 at XXXX XXXX. 

I was connected to XXXX in customer care and she verified my identity and transferred me to a supervisor. 

I was transferred to XXXX at XXXX XXXX  - a supervisor in customer care dept. 
He confirmed my documents and letters then transferred me to the consumer affairs dept. 

I was transferred to XXXX in consumer affairs dept at XXXX XXXX. 

XXXX confirmed he could see the communication with me and the CFPB and my personal identification documents regarding this issue. He placed me on hold to remove all blocks and discrepancies on my file that he could. 

He informed me there is an internal block that needs to be removed by and internal department at Equifax. 

He said he created a ticket and sent the ticket to the department that can remove the internal block on my file. 

XXXX said I did NOT need to send any additional documents to Equifax regarding this issue. 

He said the block will be removed within 24 hours usually and Equifax will call me back within 24-72 hours to confirm the block has been removed. 

After that, creditors like XXXX XXXX XXXX will be able to report to my account. 

If we do not get a call within 24-72 hours I can call back to the consumer affairs department with my case number for this issue to confirm the internal block has been removed. 

He confirmed one more time that Equifax does not need anything else from me or XXXX XXXX XXXX to solve the issue and said he would create notes on my file detailing this conversation.
Product: Credit card or prepaid card

XX/XX/XXXX, I received a bill stating I was late on a payment and was charged a late fee and interest. I went to check my account and noticed the bill due alert had been removed without notice and can no longer be applied. 

XX/XX/XXXX late fee applied XX/XX/XXXX I submitted a payment for the amount on the bill, {$13.00}. 

XX/XX/XXXX a {$2.00} interest fee was charged XX/XX/XXXX late fee and interest charge reversed after contacting support and pointing out they removed the very alert they were telling me to use. 

At this point, the balance on the card is {$0.00}. 

XXXX I receive a bill stating I owe {$2.00} when I haven't used the card in a long time. 

XX/XX/XXXX a {$2.00} interest charge was applied I contacted support once more telling them I am being charged interest when my balance is {$0.00}. They responded by saying that is correct because I have a carry-over balance. Again, there is no balance as all charges are paid off. 

I replied to the response with proof of their fraud showing the statement proves a {$0.00} balance and they charged the fee in obvious retaliation.
Product: Mortgage

My loan was sold to XXXX and I have not received any information on how to make payments, including a new loan number.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I have done some research and found that in accordance with the Fair Credit Reporting Act XXXX, Account XXXX XXXX XXXX, has violated my rights. 
15USC 1681 SECTION 602 states I have the right of 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 1666B.. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose. 
I am demanding this account be updated to paid as agreed and never late. 
Account Information : Creditors Name : XXXX Account XXXX : XXXX Date of Late Payment : XX/XX/year> I await your reply with the above request. I will correspond back with you by certified mail. 
Sincerly, Attached : Copy of ID and proof of residency ( I am not a third party. I wrote this letter myself ).
Product: Credit reporting or other personal consumer reports

State of Michigan XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, being first duly sworn, deposes and says : * Identity : I am the individual whose name appears on the credit report issued by XXXX, EQUIFAX and, XXXX XX/XX/XXXX. 

* Dispute of Late Payments : I dispute the accuracy of the following late payments listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX and, XXXX XXXX XX/XX/XXXX. These late payments were reported in violation of 15 U.S.C. 1666b and 1637a, as they were not the result of my failure to make timely payments or were reported in error. 
* Request for Removal : I request that the credit reporting agency remove these disputed items from my credit report immediately. 
I declare under penalty of perjury that the foregoing is true and correct. 

Request for Removal : I request that the credit reporting agency remove these disputed items from my credit report immediately. 
I declare under penalty of perjury that the foregoing is true and correct. 
Executed on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # XXXX, XXXX : # XX/XX/year>, XXXX : # XX/XX/year>, XXXX : # XX/XX/year>, XXXX XXXX XXXX : # XX/XX/year>, has violated my rights.
Product: Credit reporting or other personal consumer reports

Ive found errors on my credit report related to 15 USC 1681b ( c ) ( 2 ). The listed inquiries werent authorized, and theyre impacting my credit negatively. Please remove all unauthorized hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

this week while checking my email I received an update on my credit report upon viewing I notice a hand full of inquiries that were not made by me. I tried disputing and received no response this is a violation of my rights as a consumer. I'm currently stationed at XXXX XXXX with the US XXXX I've been here since XX/XX/2022 there no way these inquiries were made be me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Of XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : TD AUTO FIN Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by TD AUTO FIN. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/year> at XXXXXXXX XXXX XXXX, I received a call from XXXX from someone asking to speak to another individual that I was unfamiliar with. I asked what it was about and they only told me it was about a " personal business matter. '' When I asked if this was a debt collection attempt, they simply kept repeating the phrase " personal business matter ''. They eventually told me they were calling on behalf of XXXX XXXX which an internet search led me to believe they are a debt collection agency. 

I told them that I had received several calls from the same company coming from different numbers in recent weeks ( this is a new company-issued phone ), and each time I was told I would be placed on the do not call list. This clearly has not happened. When I asked to speak with a supervisor, I was simply told that there was none available. Eventually, I was passed around and was able to speak to a " team lead '' who assured me that the calls would stop. I told him this was a violation of the Fair Dept Collection Practices Act, and he told me they'd remove my number. I've been told this at least half a dozen times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit agencies via FTC report and CFPB complaint. The credit agencies placed a fraud alert on my credit profile but failed to remove the fradulent inquiries as they said they would. I followed up with the agencies directly and was advised that it would be taken care of within 30-60 days but it wasn't. I would like these inquiries to be removed. 

Credit Inquiries INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX  XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX 's XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my credit report, which was not me that applied.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several notices to this company to no avail. They are deliberately not verifying inquiries listed on this Chexsystem report or disputing them and also have very old data reporting on this Chexsystem report as the debt as bad debt/acct abuse/ balance owed for institutions I never used checking acct for. the accts they are showing are very old and outside of my statutory period to collect and also have been discharged in bankruptcy and they are still reporting as they are prohibiting me in moving forward in reestablishing good standing with other creditors and a fresh start.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 Carmax made a fraudulent hard inquiry to my XXXX  report. I have been unable to reach them by phone. I am an identity theft victim and attaching relevant police report. XXXX  has instructed me to contact each individual company.
Product: Debt collection

I called SW Credit Systems LP regarding this dept from XX/XX/XXXX. The representative for SW Credit Systems explained this debt was generated in XX/XX/XXXX - then passed along to them. Therefore, this was placed in collections by XXXX in XX/XX/XXXX - 2 years and 7 months later. 

I had no idea this debt was lingering for this amount. Therefore, XXXX DID NOT alert me to this - then I moved/divorced my husband so no other notice was forwarded. The equipment was returned promptly as when he began his service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right ton 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 Creditor Name XXXX XXXX XXXX Account No. 
XXXX Creditor Name XXXX XXXX XXXX, XXXX Account No. 
XXXX Creditor Name XXXX XXXX XXXX Account No. 
XXXX
Product: Credit reporting or other personal consumer reports

As a consumer, I, XXXX XXXX, believe that Credit Management Company is violating the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692g ( a ) by reporting this debt on my credit report without properly adhering to legal requirements. Under the FDCPA, a debt collector must provide a written notice within five days of the initial communication, clearly outlining the amount of the debt, the name of the original creditor, and a statement of the consumer 's right to dispute the debt. In this case, Credit Management Company has reported a collection account related to XXXX XXXX XXXX XXXX on my credit report, but the original balance is listed as {$0.00}, and there is no record of the last payment. Moreover, I have not received any notification from them verifying this debt or informing me of my right to dispute it, which is a direct violation of 15 U.S.C. 1692g ( a ). Without this information, they have failed to meet their legal obligations, and their reporting of this debt is inaccurate and unfair under the law.
Product: Debt collection

Recovery  one  LLC collection agency is not bonded in the state of Texas. Recovery  one LLC c a n't legally collect any debt. Please remove from my credit report and confirm the debt is not owed.
Product: Student loan

On XX/XX/2022 I checked my student loan account with MOHELA and they have me down with XXXX repayment plan.

I requested the XXXX  repayment plan.

They also show only one qualifying PSLF payment.

I have 112 Qualifying payments. 

I have copies of everything I have sent MOHELA, so I am able to show they are incorrect. 

I can not reach them by phone or any other method. 

They have not looked at what I have sent them or they are hoping that I am stupid enough to just trust them and make the high payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX, XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

BANKRIPTCY US XXXX  DID NOT VERIFY ACCURATE ACCOUNT XX/XX/XXXX FILED DISPUTED XX/XX/XXXX XX/XX/XXXX XXXX ... XX/XX/XXXX ... XXXX INQUIRES XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXXbut I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be update as soon as possible. 
XXXX XXXX XXXX : {$4100.00}
Product: Debt collection

The is a court ordered judgement from XXXX XXXX of debt owed to company XXXX apartments. National Credit Audit Corporation is attempting to charge me XXXX. They have not provided any documentation of said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Equifax regarding an account being reported by XXXX XXXX XXXX XXXX The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX & XXXX responded that the account was unable to be verified and deleted it from my credit report but Equifax failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am writing to you regarding discrepancies I have found on my credit report. 

Account : XXXX XXXX Account # XXXX Why is this account being reported with 2 different dates of last activity?

15 USC 1692 g validation of debt This account is written off as a charge off. This account is ran as a charge off and I have not received a 1099c cancellation of debt form. This account is inaccurate and is being reported on my credit report. 
I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account high balance and nor do I recognize the late payment associated with it everything reported here does not meet the FCRA. The negative item does not meet the FCRA reporting requirements. I do not understand why this item is being reported when I did not give written consent to share my information. 
This agency is in violation of 15 USC 1692g. they were also to notify me in writing 5 days prior, I was not notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/2021, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Debt collection

Fay Services loan # XXXX I have tried for over a year to get a mortgage modification agreement. They refused on XXXX different occasions to grant a modification. It took no less than 6 months for an answer and each time they would not accept payments but kept on adding erroneous fees. Now i owe $ XXXX and facing foreclosure because I have too much equity. They never return phone calls and they ask for the same documentation over and over again
Product: Credit reporting or other personal consumer reports

I am submitting this today to inform the credit Bureaus that I have been a victim of identity theft and to dispute certain items on my credit report. The items I am disputing do not relate to any transactions involving goods, services, or money that I have made or authorized. 
XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}XXXX XXXX XXXXXXXX XXXX Balance : {$700.00}XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00}, XXXX XXXX XXXX Balance : {$9800.00}, XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Balance amount is inconsistent with other credit agency. Please delete immediately.