23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting this complaint online to the Consumer Financial Protection Bureau regarding the inaccurate reporting of a charge-off on my credit report by XXXX XXXX XXXX XXXX . The account in question was established in XXXX, yet the charge-off is erroneously dated for XXXX. This misinformation is adversely impacting my creditworthiness and ability to access credit, housing, and loans. 

Additionally, I recently discovered that two payments {$600.00} on XX/XX/XXXX and {$43.00} on XXXXwere withdrawn from my account without my authorization. I request that these unauthorized payments be refunded promptly. Furthermore, the dates and comments associated with the charge-off on my credit report appear to have been manipulated, prolonging the negative impact on my credit history beyond the appropriate timeframe. 

Despite the adverse effects on my financial well-being, I did not receive any official correspondence or notification from XXXX XXXX XXXX XXXX regarding the charge-off or the unauthorized payments. Furthermore, I have faced financial hardship due to unemployment resulting from XXXX. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to rectify the inaccuracies on my credit report and ensure that I am refunded for the unauthorized payments.
Product: Debt collection

I filed a formal dispute with Equifax on XX/XX/year> ( Dispute Identification : XXXX ), requesting the removal of inaccurate names, addresses, and employment information from my credit report. The dispute specifically identified the following issues : Incorrect Name : " XXXX XXXX XXXX '' ( I requested this be removed as my correct name is " XXXX XXXX XXXX '' ). 
Incorrect Addresses : I disputed nine invalid addresses that do not belong to me, requesting their removal from my credit report. 
Incorrect Employment Information : I requested the removal of " US Fed Benefits, '' which I have never been affiliated with as an employer. 
I also provided supporting documentation, including a copy of my valid ID and proof of my correct address, to facilitate Equifax 's investigation. Despite this, Equifax failed to address my dispute within the 30-day legally mandated timeframe under the Fair Credit Reporting Act ( FCRA ). This deadline was XX/XX/year>. 

On XX/XX/year>, I sent a 15-day follow-up letter reiterating my requests and urging Equifax to comply. Finally, on XX/XX/year>, I sent a final demand letter after receiving no response from Equifax. 

Equifax eventually responded on XX/XX/year>, only after I filed a complaint with the CFPB. While Equifax deleted the disputed addresses and the employment information, they failed to correct the name issue by retaining the inaccurate name " XXXX XXXX XXXX '' on my credit report, despite having received proof of my correct name. This failure to comply within the required 30-day timeframe and provide complete corrections violates multiple sections of the FCRA, including Sections 607 ( b ), 609 ( a ), and 611 ( a ). 

XXXX delays and incomplete resolution have caused emotional distress and financial harm, as the inaccuracies have negatively affected my creditworthiness and led to unnecessary confusion regarding my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

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 a XXXX XXXX account opened with the Department of Education on XX/XX/XXXX with the balance of {$3500.00} and {$6300.00}, XX/XX/XXXX for {$6400.00}, XX/XX/XXXX for {$3500.00}, XX/XX/XXXX for {$1500.00}, and XX/XX/XXXX for {$3500.00} and {$44000.00}. All totaling up to a balance of {$29000.00}. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX with the balance of {$480.00} that is closed but need to be removed due to inaccuracy. Additionally, the inquiries XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and XXXX XXXX, XXXX XX/XX/XXXX are incorrect and need to be removed off of my credit report. Futhermore, the addresses XXXX XXXX XXXX XXXXXXXX XXXX , XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX on my credit report is incorrect and need to be removed. Lastly, the name XXXX XXXX need to be removed because it is not a name I go by and do not belong to me. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

XXXX was transferred out of my account fraudulently and Wells Fargo denied my claim and closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be repaired. The XXXX credit bureaus must verify these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items get corrected immediately for they are greatly harming my credit. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I signed up for an account with XXXX at XXXX and linked my TD Bank account to auto debit {$200.00} each money into my XXXX investment account. On XX/XX/XXXX, the last of the {$200.00} deposits were transferred. Since that date, XXXX is claiming that TD Bank is blocking the linked auto debit. I have received two noticed of the issue with TD Bank from XXXX over the past 2 weeks. I spoke with 3 different departments at TD Bank today, XX/XX/XXXX and was told that there is no indication of a block on my account and that XXXX has not attempted to retrieve. This is incorrect according to XXXX and the auto notifications I have received from them concerning the blockage of transfers.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX this collector called me and threatened me and my family. They were trying to make me apply for new credit. This was reportedly taken care of by our property XXXX due to a hostile living environment that caused my family and I undue health XXXX. I do not have an account with this vendor. Therefore they don't own the debt. When I have disputed this information they keep adding fake payments to all three bureaus in order to keep the debt verified.
Product: Student loan

I sent an email in XXXX or XXXX XXXX XXXX explaining that I am XXXX and unable to use my degree. I also explained I work a minimum wage job with casual hours ( XXXX days a MONTH with modified hours ) so I make basically no money. They emailed me back on XX/XX/XXXX saying my monthly payment amount would be {$0.00} for XXXX months. This was a huge relief off my shoulders. However I have received XXXX bills for {$34.00} since then. I emailed again confused explaining my approved amount was {$0.00} and I can not afford this other amount of {$34.00} they say I owe, but all they said after XXXX weeks or so was sorry about the confusion its {$34.00} I need help lowering my payment to {$0.00} a month or I will have to give up a life altering prescription. I need more information about the different options and have asked to speak with someone over the phone. Any time I have tried to call I have never gotten through to a real person and can be on hold anywhere from XXXX hours. The emails I get back only address part of my concerns and they feel insincere or automated. They have not offered any kind of XXXX relief/repayment plan or information. Ive asked several times for someone to contact me or send me a direct phone number because I dont have time to wait on hold all day long to MAYBE talk to someone. I was able to borrow money from a family member to make XXXX payment but I absolutely can not afford to make another. I was switched to this loan servicer from XXXX awhile back without any notice or my consent. XXXX was a much better company. Aidvantage has been nothing but horrible and frustrating. XXXX has better customer service. The DMV HAS BETTER WAIT TIMES. Literally the worst company ever. Even if it was a mistake saying my payment would be {$0.00} when its actually almost {$40.00} is unacceptable.
Product: Student loan

I am a XXXX XXXX, I applied for student loans with a financial institution ( Discover Student Loans ). I was told by that institution that I would be able to consolidate the loans after my graduation. But after my graduation they told me that I am not qualified for a consolidation loan. I am therefore victim of misinformation that puts me in a predicament of a debt that is set in a way that is impossible to pay off, because I have been making payments of about {$10000.00}, but despite of that my debt has increased by about {$4000.00} in about one year. 

The bank told me to look elsewhere to consolidate the loans. What the bank puts me through is painfully unfair. I am not willing to make any more payments in this condition and I am willing to file a lawsuit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/XXXX via and requested that the inquire from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, along with XXXX XXXX dated XX/XX/XXXX be removed from my credit report. I was informed by Experian that I needed to contact the companies directly. 

I informed them that these inquires took place when the freeze was removed from my account, and it was no need for me to apply for XXXX bank card, I already have one with a XXXX limited and was not looking to refinance my home, my current interest rate with XXXX XXXX is 3 % and I did not authorize either company to pull my credit report for any reason. But, I was still told to contact the companies. Due to the pandemic I had no luck with connecting with anyone from the mortgage company that could help me during this time. With XXXX card, I spoke with someone and the lady said she would send the information the fraud/investigation department, because I only became aware of the inquire in XXXX due to the denial letter I received in the mail, I never received anything regarding the XXXX inquire. I received a letter from them stating the inquire would be removed and they would contact Experian, but it was only for the XXXX inquire, but I did not apply for a card in XXXX, both inquires should be removed. Please review letter that they are willing to remove the XXXX inquire.
Product: Mortgage

I have made several attempts to pay off my HELOC with OCWEN now PHH mortgage. Each time they have returned the payment without explanation. When I call to speak to a CSR they have to research just what is going on. On this last call they stated they never received the payoff yet I have confirmation of the wire transfer and according to the CSR, the account information was correct. I am tired to sending repeat payments to OCWN PHH mortgage and the extra expenses occurred on my end of doing such. I have now sent the 3rd payoff per the CSR in the hope it is excepted. I would think that PHH would reach out and call me to correct this situation. Just seems like a bunch of nonsense to me and an attempt of PHH to foreclose on a loan that took me 15 years to pay off to its final payment just to have PHH play a game with the consumer.
Product: Debt collection

On XX/XX/2023 I reached out to glass mountain capital to settle a collection. I then ask for verification of this account and the company could not provided me with proof of this account being mine. Also the address is not up to date and I never agreed to anything with this company. They have me owing XXXX I would like this account removed from my credit profile from all three Bureaus.
Product: Credit reporting or other personal consumer reports

Bankruptcy reported on credit. Not public records how was information released. 

XXXX XXXX Bankruptcy : Bankruptcy XXXX. XXXX XXXX  {$0.00} Discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

Bankruptcy XXXX XXXXXXXXdischarged Filed on XX/XX/2013 Reference number : XXXX XXXX5 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, credit repair services, or other personal consumer reports

Account Closed paid off by XXXX. 
XXXX XXXX XXXX XXXX Account XXXX Account Type : Loan Total Amount Due : {$560.00} Due Date : XX/XX/2021 Your payoff quote history is provided below. 

Payoff Quote History Date Good Through Quote Type Amount XX/XX/2021 XX/XX/2021 Online Payoff {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$40000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$22.00} ; XXXXXXXX XXXX XXXX Balance : {$28.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXXXXXX Balance : {$33.00} ; XXXXXXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Debt collection

I AM NOT A LAWYER. I AM A XXXX XXXX. I believe I was misled about the hard copy information ( consent to judgment/ rule 11 ) they send to myself concerning the debt. Please see attached. This is a follow up to complaint numbers XXXX and XXXX. At the time I filed my original complaint, I was unable to attach the following call logs to prove I had communications with Zwicker and Associates on XX/XX/2018. I spoke with XXXX on the previous days as well. Somewhere on or the day before is where I heard him make his questionable statement. I believe it was on XX/XX/2018. It could have been the day before. I am unsure If the women on the phone told me that I need/ must sign it ( rule 11 and consent to judgment ) before she told if not I would/will be taken to court. Please investigate. What she said seems/feels threatening to me. What XXXX XXXX said about the consent to judgment form seems/feels very much misleading. Please double check our last communications. Both representatives of Zwicker and Associates have raised ethical questions and concerns to me creating a very real feeling of oppression with mental pressure and distress. I am attaching my XXXX as proof that I am a veteran. Please keep from sharing from Zwicker and Discover if possible. I also want to state that I will hold up my end of the settlement agreement faxed on XX/XX/2018 unless otherwise offered an alternative. I will not agree nor will I sign the consent to judgment or rule 11 that was dated the next day on XX/XX/2018.
Product: Credit card

to return ( Security ) also known as my Morgage asset back security aka application, which was collateral for the card I applied for which was denied or send me my open-end Amex XXXX applied for which was back in XXXX and again in XXXX, I emailed them as well which i will provide in attached files, I let them know that I have Equitable rights and when the too my application they, That was my collateral for American express XXXX which they sold to their holding company and then their XXXX XXXX according to the XXXX form and the XXXX form on the XXXX website.
Product: Debt collection

I spoke to a single representative who refused to help me make payment plans for my debt. I had to pay all or nothing. All while applying a daily accrual of interest. There were additional {$650.00} of a bill, I have no record owing and the hospital had no record of. I've attempted contact by phone on their automated service and customer service lines. No one picked up for an hour. I emailed them, received no response of receipt. Emailed a week later with a reply that states their email is full and the email was routed to a different person in the same company.
Product: Credit reporting or other personal consumer reports

In a previous dispute, CFPB # XXXX on XX/XX/XXXX. I disputed a fraudulent account with XXXX XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX {$2000.00}, which was correctly removed. However, two other accounts that I did not dispute were erroneously deleted. These accounts, which belong to me, should not have been included in the dispute process. The accounts in question are : XXXX XXXX XXXX XXXX Account Account Number : XXXX Opened : XX/XX/XXXX Amount : {$500.00} XXXX XXXX XXXX XXXX Account Account Number : XXXX Opened : XX/XX/XXXX Amount : {$200.00}