23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted a dispute through XXXX requesting an update to my reporting, as the status showed Unknown. It was paid and closed in XX/XX/XXXX, and therefore should reflect as such. XXXX responded and updated my report, but did so inaccurately. They updated the status, payment amounts, balance dates, and the payment history inaccurately. It has caused great detriment and undue hardship to me, as Im seeking to finance a home. The updates included negative reporting, and even include the term negative on the payment history data from XX/XX/XXXX through XX/XX/XXXXwell after the loan was paid and closed! Ive called multiple times, submitted emails, provided documentation, and have discussed this matter with a representative at XXXX. They insist that no updates were made, that they will not update and correct the problem, and they wont honor the agreement they offered to me through their own rehabilitation loan program ( which I completed and have since paid off with XXXX ). I have asked many times for contact information to whom I should I send my requested updates and supporting documentation, but the representatives refuse. They insist that no one is there to do can correct the inaccuracies since my loan is paid and closed on their end. Further, they refuse to acknowledge that they even updated in response to my original dispute, and refuse to provide a clear way to submit my requests for further research and correction. The representatives keep insisting that the data on their system is 100 % accurate and they can not help because my loan has been paid, but they are refusing to understand that the data to the credit bureaus was entered differently than what their system shows. Its frustrating when they wont take the time to review the reporting, the actual updates they made, their own errors, or honor their own agreements. I wouldnt have entered into their rehabilitation program if the one benefit on credit reporting was not going to be honored, and theyd later report inaccurately to my severe detriment. The representations made in the agreement were not just verbalits included in the direct correspondence from them and even in their official forms and subsequent contractual agreement. Its a misleading practice and unethical, and I sincerely hope the multiple issues Ive relayed can be addressed and resolved.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 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

This is a complaint for timeshare company XXXX XXXX. We spoke with one of their employees but unfortunately I don't have the names of all the people we dealt with. They were introduced as representative & not a salesperson, claimed to not work on commission. They told us we're making good financial investment, that the investment would increase in value, they kept saying this was an investment repeatedly during the hours of the sales pitch, & promised us things would be positively different each time things got worse. We were told that it has some tax benefits. There were multiple times they said they needed " corporate '' approval in order to give me the price being offered like we're being given the privelege of getting this special offer. We felt pressured and rushed when they told us it's our last chance at the lowest price. They never made us aware of the maintenance fees. At one point they took our ID during this process. We actually requested to cancel, but obviously they never cancelled it. This timeshare just doesn't help us at all & just adding financial difficulties, when we're still supporting our XXXX daughters ' education. We experience XXXX  due to this timeshare 's financial commitment & out inability to use the promises they made. We even lose sleep over the XXXX  caused by this timeshare. I'm sure we were profiled, being a XXXX  with adequate income. We had the worst experience with this timeshare, the hollow promises of multiple Florida resort options that had never been available as a XXXX member but still being responsible for all the finances for these five years. Not processing our cancellation request back in XXXX, promises that were never met, maintenance fees that we were never made aware of during sales & lastly the XXXX  & financial difficulties caused by this timeshare. We were simply defrauded & lied to. I wasn't able to provide XXXX 's email address but here 's their Contact Us page for reference : XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  is trying to recover a debt I never made and a XXXX debt I never been to or use Please someone I have never been to XXXX XXXX XXXX XXXX or any emergency room in XXXX XXXX I am a veteran under the v. A. The Insurance would have paid any XXXX debt owed Which means this is fraud someone claiming to be me please show my signature signing the XXXX treatments and bill and why was I there
Product: Debt collection

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccounts PORTFOLIO RECOVERY ASSOCIATES # XXXX, Third-Party Collection Agency unable to validate debt. Other problems have included debtbuyers selling with accounts with one creditor and then being collecting by another whoallegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputesbetween debt buyers over who owns which account when buyers have purchased partialportfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of apreviously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.
Product: Credit card or prepaid card

I have already come to you the reporting of information that was identified as identity theft and they promised to get this information off my credit report and if you look it is still reporting on all three credit report and giving me negative hard inquiry and messing up my credit to get a house and I want it removed asap
Product: Credit reporting or other personal consumer reports

The loan was paid off on XX/XX/scrub>/2024 in the amount of XXXX. I have contacted XXXX XXXX 2x where I was told the first time that it should update on my credit with 60 days and the 2nd call, I was told 90 days. I have disputed balance through all three credit bureaus 3x with no success.
Product: Credit reporting or other personal consumer reports

I have request a investigation of XXXX XXXX XXXX account on my Equifax report. The charge -off of an obligation with XXXX XXXX XXXX is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2020 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and
Product: Mortgage

Have a first and second loan with HSBC. 
( Beneficial Finance ) After we requested payoff amounts on loans. HSBC realized the second had come to term a year ago. Then sent us paperwork to resign the loan at 14 %. 
But on our statements it shows 8 % and has been at 8 % for 13 year. HSBC said " On there computer we are being charged 19.90 % ''. Have been sending payments in. And they send them back. We have sent faxes and called for 10 weeks or more trying to get information on what we really owed. Loan started at {$17000.00}. After paying {$220.00} a month on it for 16 years. HSBC claims there is a balance of {$14000.00}. On the XXXX of this month. It will be 4 months that HSBC has been refusing payments from us. We assume they are stalling at sending us the full payment history for life of loan. 
Also have problem with first loan. 
Loan started at XXXX after paying on loan for 16 years. HSBC gave us a payoff amount of XXXX. Payment breakdown on statement always has money missing, or says it unappliedunapplied. Please help us.
Product: Debt collection

I pulled my credit to discover a debt that doesn't belong to me. It is from XXXX and account # XXXX, XXXX account number XXXX and lastly XXXX/XXXX  XXXX  # XXXX
Product: Credit card

Re : American Express Blue Cash Everyday Credit card ending in XXXX. 
I am filing a complaint against American Express related to Blue Cash Everyday credit card ending XXXX. I have been a card holder since XXXX and am familiar with how American Express operates including their policies and procedures. On XX/XX/XXXX I bought an XXXX XXXX with a trade in deal from XXXX store. Part of the deal was that I would credited {$300.00} for my old phone but it would take a week or so to process and that {$300.00} credit would go back to American Express credit card I used to purchase the XXXXXXXX. 

I usually have auto pay set up and my total bill came out to {$1400.00} for my XXXX statement. However, the {$300.00} credit hadn't posted yet. So I paused the autopay. I didnt want to overpay given I was waiting on a {$300.00} credit. Inadvertently, I became late for the payment. Soon as I found out I was late, I paid the card on XX/XX/XXXX. I asked the late fee and interest to be waived but American express did not. I paid both the late fee and the interest on XX/XX/XXXX. The balance is currently {$0.00}. This was my first time every being late with American express. They offered no leniency. They also increased the interest rate to 29 % going forward and the late fee for {$40.00}. They also didn't process my cash back rewards which would have been 3 % of the {$1200.00} item. 

My complaint is predatory increase in APR, late fee charge and no leniency for a long term customer. Additionally, they did not process my cash back. I am asking for my cash back rewards and removal of fees and interest.
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 confidentially under 15 USC 1681. 

XXXX ) XXXX, XXXX Account # : XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XXXX of 2022 we refinanced our mortgage with XXXX XXXX. Our previous mortgage lender lake view loan servicing sent our escrow balance to our previous address and wont correct their error for another 30 days. By that point it will have been 60 days since our loan has been paid off and that does not include the time it will take for the check to arrive. I have called them to correct this however, they refuse to resolve it any sooner.
Product: Credit reporting or other personal consumer reports

The company has place inaccurate information on my consumer report. FCRA definitions ; rules of construction are clear of exclusion of reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

I request a reasonable investigation and provide the results of the investigation to mandated under 1681i. Avoid contravene the Consumer Financial Protection Act as highlighted in the CFPB 's administrative proceeding ( FILE XXXX XXXX ) against Equifax.
Product: Credit card or prepaid card

In or around XX/XX/2019 a complaint was filed with the CFPB ( Complaint ID XXXX ) against CitiBank d/b/a CitiCards for a lost payment and failure and refusal to issue a credit for the lost payment or to send a check for the lost amount. CitiBank responded to the complaint with inaccurate information and the lost payment remains lost due to the refusal by CitiBank and XXXX XXXX  and its payment processor, XXXX, and another processor, XXXX, d/b/a XXXX XXXX XXXX. Called CFPB today to ask what redress we have now that CitiBank responded incorrectly and still refuses to find the missing payment of almost {$1200.00} CFPB has NO method in place to help us to force CitiBank to find the missing payment. Why is CFPB there? CFPB has been NO help. Waste of tax payer money.
Product: Credit reporting or other personal consumer reports

Notice to Agent is notice to principal notice to principal is notice to agent. 

On XX/XX/XXXX you received my dispute regarding some transactions and late payments that you and XXXX XXXX XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Further more lets take a look at 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.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consum
er not later than 21 days before the payment due date.The only way for you to validate a latepayment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate.We are requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b , and you have fraudulently verified an account without a reasonable procedure as required by law. 

Delete this incomplete and unverifiable accounts and transactions from my consumer reports : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX NA - XX/XX/2024 2. XXXX CARD - XX/XX/2024 3. XXXX XXXX CU - XX/XX/2024 4. XXXX XXXX XXXX - XX/XX/2024 5. XXXX XXXX XXXX - XX/XX/2024 6. XXXX XXXX XXXX - XX/XX/2024 7. XXXX XXXX XXXX XXXX  - XX/XX/2024 8. XXXX XXXX XXXX - XX/XX/2024 9. XXXX  FINANCIAL - XX/XX/2024 10. XXXX  FINANCIAL - XX/XX/2024 11. XXXX XXXX XXXX U - XX/XX/2024 12. XXXX XXXX CU - XX/XX/2024 13. XXXX XXXX - XX/XX/2024 14. XXXX  - XX/XX/2024 15. XXXX XXXX XXXX - XX/XX/2024 16. XXXX XXXX - XX/XX/2024 17. XXXX XXXX - XX/XX/2024 18. XXXX XXXX - XX/XX/2024 19 XXXX XXXX  - XX/XX/2024
Product: Debt collection

A purchase was made for a medical devices from XXXX  XXXX XXXX on XX/XX/XXXX for the amount of {$280.00} and {$360.00}. I made neither of these purchases. The listed recipient for these purchases utilized my name and date of birth. The accounts went to a collection agency ( AWA COLLECTIONS ). I contacted AWA COLLECTIONS ( XXXX ) in XXXX and XXXX of XXXX to dispute the fraudulent accounts. After speaking with a AWA representative I learned that the recipient listed a California home address in XXXX. I am not a resident of California and have lived in Texas since XXXX. She also mentioned that my date of birth is listed. However, she informed me they didn't have a social security number on file, which she stated was 'odd '. 

Next, I filed a dispute with all 3 credit reporting bureaus pertaining to the fraudulent derogatory accounts. They were removed from both XXXX  and XXXX but remain on my XXXX credit record. I contacted XXXX  and inquired about a status update. The XXXX representative informed me to file a fraudulent claims report with the Federal Trade Commission and provide the report along with proof of identity ( Drivers License ), and re-dispute the claims today. I have re-disputed the claims with XXXX as instructed and uploaded my Drivers License to XXXXupload. 

I have also activated a Fraud Alert with XXXX to further protect my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 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 for any purpos
e.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX , SC XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

n 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 XXXX XXXX XXXX XXXXXXXX, 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 card or prepaid card

Capital one closed my account for a none valid reason and did not give notice before closure. Once closed account still gained interest. Account was not authorized to be closed by me
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I contacted Equifax Credit Bereau and ask them to remove a bankruptcy that was on my credit report but was mine. Equifax came back as said that they verfied it with XXXX XXXX. ( Letter enclosed ) 2 ) I contacted XXXX XXXX and they sent me written proof that they didn't verfiy it and that it is not in their system ( Letter enclosed ) 3 ) I contacted the Bankruptcy Court and they verfied that they did not verify any such information and that it was not in their system as well ( Letter enclosed ) i submitted a copy of letter from Bankruptcy court I submitted the report stating that it was verified with XXXX XXXX I submitted the Affidavit of truth that i sent to Equifax I submitted the credit report with item still on there I submitted a copy of my Government issued ID
Product: Money transfer, virtual currency, or money service

I was buying a laptop online and she said i need to pay her before she sends it and then I sent {$70.00} to her after that she said she already sent it but didnt give me any tracking number and now shes not responding