23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

After calling Equifax on XX/XX/XXXX, I was told that a negative item ( charge-off ) with XXXX which has a balance XXXX ( PAID OFF ) was going to be deleted from my credit report in XX/XX/XXXX following the 7 years-rule for charge-offs deletion since my first day of delinquency was XX/XX/XXXX. Today, after speaking with Equifax again, I was told over the phone that this negative item will no longer be erased from my credit report in XX/XX/XXXX. Apparently, they reset the clock to XX/XX/XXXX because this negative was reported as paid off in XX/XX/XXXX. Moreover, the Equifax representative misled me into believing that the first day of delinquency was the starting date for the 7 years-rules for deletion of negative items. Everything was set for this item to be deleted but suddenly Equifax comes up with new rules. I, hereby, would like to please ask the Consumer Financial Protection Bureau to investigate my case requesting XXXX to honor their agreement with me.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a store card with Macys back in 2015. Unfortunately, I had a financial issue at the time, and the account was charged off. I have since recovered, and started addressing the results of the financial issues I had in the past. I called Macys to pay the outstanding balance they are reporting on my credit report, but they refused to accept my payment. And although they refused to accept my payment, they still refuse to take the account listing off of my credit report. I want this account to show as paid on my credit report, but by refusing to accept my money to resolve the account, and also refusing to take the account off of my credit report, Macys is holding my credit report hostage. Not only is this unfair, it is illegal. A company can not refuse to accept payment, and still continue to report as debt as unpaid.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY identity was stolen I reported. it to the FTC and attached the report I have reached out to the reporting agencies to block the information that was a result from identity thief. I did not receive a response my husband and I are not able to move forward in our home purchase because of this fraud it is damaging my ability to buy a home PLEASE CORRECT MY REPORT AND BLOCK THIS INFORMATION I HAVE MANY ADDRESSES INQUIRES AND 2 ACCOUNT THAT DO NOT BELONG TO ME. PLEASE ADVISE ADDRESSES ARE : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX XXXX # XXXX Total fraudulent amount : {$1500.00} ACCOUNT -XXXX  XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( ( 4 ) ) ) business days after the date I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) REMOVE ALL SAID NAMES, ADDRESSES and ACCOUNTS AND INQUIRES CONNECTED TO THIS IDENTITY THEFT WITHIN ( ( 4 ) ) BUSINESS DAYS AND OR PAY FOR DAMAGES 15 USC 1681 C-2
Product: Debt collection

On XXXX XXXX I received a credit monitoring report indicating that I had a collection item added to my report. I immediately checked my report and noticed XXXX  had a collection account on my credit report from Security Credit Services. I immediately contacted this place as I pay all of my bills and have no clue as to who this business is. The said they have an account with my name from a place called XXXX XXXX  XXXX. I explained that I had never done business with a place called XXXX XXXX XXXX and have never heard of this place. I called XXXX XXXX  XXXX and asked who they were and what has been placed in my name. I was told an XXXX XXXX was purchased and that no payments had been made. I explained that I am not the originator/owner of this transaction and that the account is not mine. I let them know clearly this was fraud. I disputed the fraudulent item with XXXX. I then called the police to file a report. I filled out a Federal Trade Commission Identity Theft Report, I got an affidavit of forgery and a 605B form. I sent this information plus my state issued ID to CFPB and XXXX, after the XXXX  dispute ( I wanted to be thorough in my dispute ). XXXX  responded and has since removed the item. Soon after, I received actual mail from Security Credit Services which lets me know that XXXX  shared the information I submitted with them since that was my first time ever having correspondence from Security Credit Services. The letter demanded the same information I shared with XXXX  and CFPB ( ID, affidavit of forgery, ID theft report. They also sent a copy of the fraudulent contract with a debit card number and an email address that clearly are not mine. I am curious as to why they do not have an ID or address on file for the person that fraudulently used the last 4 of my SSN. They had a debit card on file ending in XXXX on file which made a payment on XX/XX/2020, and there after has failed charges. This is not my card. They also have an email address on file that is not mine. This company has received the necessary documents from XXXX, so I am taken back at the fact that they had the audacity to use the information from XXXX  to contact me knowing that this account is fraudulent. Again, this account is not mine. XXXX  has provided my documentation ( ID, Police Report, Affidavit of Forgery, FTC Identify theft report, 605B, Identity Theft letter and cover letter ) to Security Credit Services and XXXX  has since removed the item from my report. Security Credit Services has no need to contact me as they were given the information from XXXX  proving this account is fraud and ID theft. It is unclear as to why they would use the same information I gave to XXXX  in order to make contact me and request for the same documentation.
Product: Credit card

I have an American Express " everyday '' card. I opened this up XX/XX/2016. I make my monthly payments well before the due date ( about two weeks before ) and I also pay more than the minimum amount due. 

XX/XX/2016, American Express errantly charged me an INVALID late fee ( my payment was submitted well before the due date, and more than the minimum amount due ) and American Express had simply made a mistake. I called in and notified the representative at American express of the mistake on their end and she said she would remove the errant late charge immediately and that it would reflect immediately on my statement. This did not happen. 
I called in again about a week later and went through all of the hoops, dedicating another hour or so of my time communicating once again that the invalid late charge and consequent fees and APR rate changes were on the account still and I was transferred three different times to different agents, having to re-explain the issue and then finally being told it would be fixed immediately and that the changes would reflect in my account online. This, once again, did not happen. 

Since then, I have called in multiple times per month, with the same issue and have not been helped or I have been transferred off to another representative who said the issue is handled when it has not been. 

The last, and most disrespectful call of all, occurred yesterday XXXX, XXXX, 2016. I checked my account once again with American Express, and the invalid late charges and fees have accrued and substantially affected my account and card payments with American Express. I called in and spoke to a representative explaining the same issues that have been going on and asked to speak to her supervisor. The representative stayed on the line and pretended as though she was the supervisor- upon noticing this, I asked her name and the name of the " supposed '' supervisor, she refused to give me either and abruptly, without warning, transferred my call to a line which ultimately ended the call on me after waiting on hold for 5 minutes. 
I called in yet again and was transferred to XXXX different representatives in the course of 2 hours on the phone with American Express and was told by the last representative that I had to pay all of the INVALID and errant late fees ( even though it was a mistake on their end and even though I have never made a late payment ) on my account and that it hopefully would not affect my credit score and standing. 

Conclusively, I have always paid my credit card monthly payment early and more than is required and because of a mistaken " late fee '' charge errantly administered by American Express and then, never resolved on their end, they are stating that : I must pay for the fees that I did not incur my credit may be affected my interest rate my be affected. 

Please help me come to a resolve on this issue.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to co duct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has reported late payments for XXXX and XXXX of 2020, both stating 30 days late. The payments were late but NOT 30 days. The XXXX payment on the account was due on XX/XX/2020 in the amount of {$15.00} and payment of {$15.00} shows cleared through their app on XX/XX/2020. That is not 30 days late. XXXX payment was due on XX/XX/2020 {$0.00}. It has not even been 30 days since this due date. {$5.00} was paid and cleared on XX/XX/2020, {$15.00} has been paid XX/XX/2020, and {$5.00} was paid on XX/XX/2020 as well. None of these payments are 30 days late. This company is ruining the work I have done on my credit and I want it fixed! 

They are also attempting to take money out of my account although it states that {$0.00} is currently due. 

I have attempted to reach out to this company by phone and email and have received no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reporting on my credit report for 4 years, I have disputed this account multiple times with all three credit bureaus because it is not my account, I have a statement from the company stating that they have no record of me having a loan with them but it is still being reported on my account. 
In the memo it states that they ceased all loan approvals after XXXX but this account was opened in XXXX. I want this deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a collection from XXXX XXXX XXXX in XXXX of 2021 with the express verbal agreement the collection would be removed from any and all credit reports. However over ten months have passed and the account continues to show on my credit reports with an unpaid balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX 15 USC 1681 section 602 A. 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 an account without my written instructions. 

15 USC 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may 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 seven years.

15 USC 1681 s-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 this information is inaccurate.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the item, or inaccurate information, from my file immediately & send me the results to the address. 
XXXXXXXX XXXX XXXX  XXXX
Product: Student loan

I have applied for PSLF. I am cute let eligible under the waiver for full forgiveness. I submitted my paperwork XX/XX/21. I received notification that my employment was approved and the loans were to be transferred from my current servicer to XXXX, the PSLf servicer. It is almost 4 months later and nothing has happened. My loans are still with the wrong servicer ( Aidvantage ) and all parties have Nj answers as to what the delay is. Others have started the consolidation process recently and been moved to full forgiveness faster.
Product: Mortgage

I had a problem with Carrington Morage Company. I was sent a letter for forbearance during the beginning of Covid. I called and was told I would have to pay all at once when forbearance was over and was told it would not be a good option or if I don't have it I go into foreclosure. This wasn't correct. There was Care act which I qualify for. This has decreased my health tremendously trying to make these payments.i have stressed and struggled. Carrington offered me no other solution.
Product: Credit card

I had a late payment that occurred due to the coronavirus outbreak emergency declaration. My city/state had a shelter in place at the time of the missed payment. I was quarantining due to Covid-19 and was unable to work because of my severe symptoms which kept me from functioning. 

I understand all I had to do was call to get approved for a deferment, but in addition to my poor health, I didnt even know that I had to call before I was marked late. Due to this, I am requested the late payments be removed from my credit report. Also, Im specifically interested in getting the late payment removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) THIS is not original loan provider. Debts were not late in payment due to forbearance and COVID. Past time frame to be on my credit. Caused me severe hardships. Housing issues everything. 

I am attaching the original request to go on XXXX  XX/XX/2018. I battled for for over a year trying to submit documentation. To upload files. To get an answer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mother. Dealing with Identity theft, Mail Fraud IN MY OWN HOME. I WAS fighting STILL fighting to Get housing and OUT OF THIS location, DUE TO MY CREDIT file being so botched, I am STILL IN AN ABUSIVE SITATION. I want these removed asap. I am attaching some emails since it only allots for 5 attachments.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I thought I was purchasing sneakers From the XXXX  page XXXX XXXX but I was scammed for {$900.00} through XXXX XXXX for half And XXXX for the other half. When I realized it was a scam I tried texting them but I was blocked and when I called my bank and XXXX XXXX they both told me they couldnt help me because I had authorized the purchase all BOA could do is make a claim and they actually told me I need the scammers permission to get my money back like what tell me where he is and Ill go get it myself it makes no sense sane person scammed my friend for XXXX and the worst part is we cant even get his page banned reported it multiple times and its still up XXXX
Product: Vehicle loan or lease

My wife, XXXX, died in XXXX. I sent a XXXX  certificate ( NOT a copy ) to FORD motor credit, requesting that they take her off of the title ( ALL others-mortgage, credit/debit cards, checking accounts, etc DID ) : Even though I have repeatedly sent FORD all the information they requested, the STILL have her listed as a co-owner! I will be making my final payment on my XXXX XXXX XXXX  next month and have annually called to request her removal ; this last time I was told they can not and I will have to take a copy of the death certificate and title to the CA DMV to get a clear title. WHY is ford being so obtuse?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/year> I saw XXXX hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXX westside on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX XXXX XXXX that said he worked for the XXXX XXXX westside dealership. I told him I was going through XXXX XXXX  my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX, HAS VIOLATED MY RIGHTS. F 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