23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subleased an apartment according to how the leasing office instructed me. The apartment is now claiming that even after I left I owe them even though I did not live there. Tennant left in an improper way. Apartment tried to settle with tenant, tenant said they got a lawyer and that they were not responsible. Apartment said they tried to contact me but I did not know about it until 6 months later after it was already in collections. I do not owe this debt. I have asked for paperwork. I have asked for the entire leasing document and have not received it. Lease is missing the " room mate release and room mate addition form which both parties signed to enable the sublet. Lease packet is missing the mold remediation and lead paint document. I have asked repeatedly for the complete documents and they said " this is all they have. '' I do not have the complete packet and they will not share it. I was also charged for " painting an improper color '' which I did not. The color they are talking about was offered to me as a " thank you '' for signing another lease prior to me leaving when I bought a house 8 months later. I had an option of blinds or painting an accent wall. I chose the paint.
Product: Debt collection

A credit line to purchase XXXX equipment from XXXX was opened fraudulently in my name with Citizens One Bank. I first noticed this fraud when I received an order confirmation ( XXXX XXXX Confirmation # XXXX ) from XXXX on XX/XX/2021 for two XXXX in the amount of {$880.00}. I immediately contacted Citizens One to report the fraud. I repeatedly followed their instructions to receive a " Fraud Investigation Kit '' but they continually failed to actually deliver the materials. 
On XX/XX/2021 I sent Citizens One a letter following the instructions of the FTC Identity Theft website. 
After multiple calls and other correspondence, I received the fraud reporting kit from Citizens One on XX/XX/2021. I returned it via US MAIL that same date. 
I have received no response to the fraud report submitted on XX/XX/XXXX. Citizens One has reported a delinquency to credit bureaus under my name. 
At no time did I EVER order anything from XXXX, EVER apply for credit from Citizens One or EVER receive any merchandise.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify Equifax regarding the presence of inaccurate and unverified information on the consumer report of XXXX XXXX XXXX, identified by Report XXXX : XXXX. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ) and are causing significant harm to her financial standing and personal reputation.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX 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 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: Mortgage

I have a mortgage that was finance in XXXX at the time it was an 80 % /20 % loan. WAMU/Ocwen had the 80 % and Chase had the 20 %. At loan origination it was XXXX ARM. while going through financial difficulty I called XXXX and Chase and XXXX refinanced my loan through HARP or HAMP at a lower rate of 3.875 % and fixed my rate but CHASE has decided not to Fix or lower my rate. Currently they are charging me 9.025 % on my loan. I have tried refinancing with them twice and they have refused. Can you please step in and help me get a better rate from Chase? 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights : XXXX. XXXX XXXX XXXX  *Account # XXXX XXXX XXXX XXXX  *Account # XXXX XXXX. XXXX XXXX *Account # XXXX XXXX XXXX XXXX XXXX *Account # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX *Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Equifax for Failing to Correct Inaccurate Information on XXXX XXXX XXXXXXXX Account Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXXXXXX XXXX XXXXXXXX account with the following details : Account Number : XXXX High Balance : {$4400.00} ( XXXX, XXXX ) ; {$4000.00} ( Equifax ) Last Verified : XX/XX/XXXX ( XXXX ) ; Not Verified ( XXXX, Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX, Equifax ) Date Reported : XX/XX/XXXX ( XXXX, XXXX ) ; XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Status : Closed Payment Status : XXXX XXXX Late 30 Days XXXX : Late 30 Days Equifax : Current Creditor Remarks : XXXX XXXX Canceled by credit grantor XXXX : Account closed due to inactivity Equifax XXXX Closed or paid account/zero balance ; Accounts closed by credit grantor Payment Amount : {$0.00} Credit Limit : {$4000.00} Two-Year Payment History : XXXX & XXXX : Reports a 30-day late payment. 
Equifax : Current with no late payments noted for the two-year history. 
Despite multiple requests for correction via letters dated XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored. This failure to address inaccuracies violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of consumer files. The inaccurate reporting of a 30-day late payment, which is inconsistent across credit bureaus, indicates negligence in adhering to this mandate. 
TILA Violations According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement, directly impacting my creditworthiness. 
Impact on Creditworthiness The inaccurate late payment notation has caused significant harm to my credit score and financial opportunities. The discrepancies between the bureaus further emphasize the need for immediate correction. 
Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate 30-day late payment notation from my credit report across all three credit bureaus.

Written confirmation of the corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the appropriate authorities. 
Thank you for your attention to this matter. I look forward to a resolution within the timeframe specified under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Mortgage reports rolling late payments from XX/XX/XXXX - XX/XX/XXXX in error after this loan was closed in early XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I WAS NOTIFIED BY XX/XX/XXXX XX/XX/XXXXMONITORING OF A CHANGE TO MY XXXX XXXX WHICH DROPPED NEARLY XXXX POINTS, I VIEWED THE ALERT AND IT WAS FROM XX/XX/XXXXWHICH STATED I WAS DELINQUENT, I IMMEDIATLEY CONTACTED CUSTOMER SERVICE AND DISPUTED THIS FALSE REPORTING, PER CUSTOMER SERVICE MY DUE DATE IS THE XXXX OF EVERY MONTH, MY LAST PAYMENT WAS ON XX/XX/XXXX FOR XXXX, THE XXXX PAYMENT HAS NOT BEEN MADE YET WHICH WAS DUE ON THE XXXX OF XXXX, TODAY IS XX/XX/XXXX ONLY 9 DAYS PAST DUE FOR THE MONTH OF XXXX, THE XXXX PAYMENT IS NOT DUE YET UNTIL XX/XX/XXXX. PER CUSTOMER SERVICE I AM TO PAY XXXX BY XXXX THE XXXX BECAUSE THE ACCOUNT IS DELINQUENT. THEY HAVE REPORTED MY ACCOUNT AS BEING XXXX DAYS DELINQUENT TO THE CREDIT AGENCYS WHICH IS COMPLETELY FALSE, ALSO THEY DENIED TO SEND ME AN ITEMIZED BILLING STATEMENT FROM THE TIME I STARTED XXXX THIS COMPANY UNTIL TODAY, THEY STATED I COULD FIND THIS INFORMATION ON MY ONLINE ACCOUNT, I REQUESTED THIS BE CORRECTED THROUGH THE CREDIT AGENCIES AND THE REP XXXX XXXX XXXX ALL SHE COULD DO IS SEND A NOTICE TO THEM AND THAT WAS IT AND I WOULD GET A LETTER XXXX BUSINESS DAYS EXPLAINING THE REASON THE ACOUNT WAS SENT TO CREDIT AGENCIES???? I DID ADVISE HER THIS WAS ILLEGAL AND I WOULD CONSULT WITH AN ATTORNEY IF THIS WAS NOT CORRECTED IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian, XXXX and XXXXThey said everything is 100 % Complete and Accurate. I would like to receive the description of reinvestigation procedure According to the FCRA 15 USC 1681i ( XXXX ). 

Because the list of account below are NOT ACCURATE.The Open date, date last active, account type, date last payment, past due, Balance, High Credit is NOT 100 % accurate. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX They did not modify or delete the inaccurate Information on my consumer report according to the FCRA 15 USC 1681i ( XXXX ) ( A ) ( i ) I attached a copy of my Consumer report maked with all of the INACCURATE 'S as evidence.
Product: Debt collection

Experian requested that I send documents for identity theft, I did send them through their website, their upload system doesn't seem to work well. I am sending them again to address the identity theft issue on my credit file reported by XXXX as they requested via email today..
Product: Credit reporting or other personal consumer reports

I have ask TRANSUNION credit Bureau to remove incorrect names, addresses and phone numbers. This incorrect information is hurting my credit score and my self from getting home o a job. Also they my be someone credit account that doesnt belong to me
Product: Bank account or service

" We 're letting you know your ATM/debit card may have been part of a compromise at an undisclosed merchant. '' I 'm happy that my bank ( Bank of America ) is being proactive about account security, however they are forcing a new debit card number which is a major inconvenience while not providing any information about what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report has almost no information. It lists one employer, from 1983 ; nothing after that. No employment, addresses, phone numbers, credit cards, or mortgages. The other credit bureaus have rich and accurate credit history on me. 

I started to file a dispute, but uploading a supporting document ( there is no room for comments ) results in this message : " We are temporarily unable to upload your document ( s ). '' Trying to contact the support center means spending ten minutes battling the automated system, finally being placed on hold to speak with an agent, and after a while being told that you can be called back. I chose that option. The callback came, but only with the message, " Unfortunately, no agents are available to call you backor press 9 to cancel the callback. '' ( exactly like that, with that odd break in the sentence and no option besides 9 ). I simply hung up, but this same call kept coming, so eventually I pressed 9, just to stop the harrassment. 

In other words, they have a completely deficient report on me but give me absolutely no way to get it fixed, with impossible automated telephone support and fake, nonfunctional facilities for document upload and agent callback. These are fraudulent business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

XXXX XXXX XXXX Account Number XXXX XXXX I have contacted the companies and requested that they remove the inquiries from my credit report as they were unauthorized. However, I have not received any response from them. Kindly investigate my claim per the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report at the address provided above. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shows my account at same state even when my account has more
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a Credit Alert from XXXX  about information that is inaccurate regarding my current auto loan with XXXX aka Drive Time. I reported this issue a few months ago and it appears that the Credit is doing this fraud intentionally. After reviewing the XXXX auto profile, the Creditor has incorrect balance owed as {$660.00}, which is incorrect. I always view my XXXX account daily and I'm not behind on payments as well. The Creditor has my monthly payments as {$410.00}, I have documents that show my bi weekly payments is {$190.00} which equals to {$380.00} per monthly. The Creditor fraudulently reported that I was late five times which is so untrue. The Creditor would have reprocessed my vehicle if I was late on my payments for 30 days consecutive for five months. I am being harassed. The XXXX   report number is XXXX, the reported date is XX/XX/2020 not only that the last updated date showing is XX/XX/2020. This Creditor is a liar and is committing fraud by intentionally reporting inaccurate account information to the Credit Agencies, which is why XXXX  has alerted me regarding this Fraud. I would like to file a complaint please. I would like for this intentional fraud to stop immediately. This unethical stuff should not be happening at all.
Product: Debt collection

On  XXXX   XXXX ,   XXXX   I requested the following through CFPB to Navient : " I am requesting a full and complete itemization as follows : The original amount of loan to  XXXX , how much  XXXX   XXXX  was refunded, how much  XXXX  kept and why when student was in hospital and not attending. How much of loan was paid, the amount of fees and interest charged and dates of all information I am requesting. '' I never received this info, however, received a payment request from   XXXX   again.
Product: Credit card

Re : XXXX XXXX XXXX Card ending XXXX. 
This has been my XXXX request to have this issue resolved without success, as this adverse reporting continues to cause me adverse results. 
This account was ALWAYS and ALREADY PAID in full prior to bankruptcy filing in XX/XX/XXXX when it was inadvertently included in my bankruptcy and in FACT OVERPAID per bankruptcy ledger, as none was required. Notwithstanding, this bankruptcy was XXXX on XX/XX/XXXX. PLEASE DELETE per attached. 
Notwithstanding the most recent dispute submitted via XXXX and documentary evidence submitted, as you will see on the next page, the incorrect adverse information is still being reported as of XX/XX/XXXX. Please delete /correct and advise all the major credit bureaus. 
Thank you. 
Sincerely,
Product: Vehicle loan or lease

I have tried to make goodwill attempts to resolve account issues and I have been told false information regarding account. I was initially refused my right to change due date on account when it was current due to a job change in 2019. Which has had me in a bad position when I make payment another payment is already due. I have been making payments consistently above minimum trying to play catch up for past 4 months just to find out every payment has went to all to interest 100 % ... I have spoke with numerous departments with no resolve. I have been impacted by Covid situation and have been constantly threatened of repo even after payment made. I was told to call again when I made review on company but nothing came of it. I was told again that they hands are tied. I am aware that the vehicle I have Im paying almost double wat the worth of vehicle XXXX XXXX price and Even though Im making above minimum payments and consistently Im still upside down and company is reporting negatively on my credit report even though Im making above payments.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX : I hereby submit a formal complaint against TransUnion AND XXXX XXXX  for XXXX XXXX AND XXXX XXXX FOR discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with TransUnion, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that TransUnion AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : TransUnion AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : TransUnions AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : TransUnion AND XXXX has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX XXXX AND XXXX XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions AND XXXX refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion AND XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. I CANT BUY A HOUSE IM NOW HOMELESS BECAUSE I CANT experience MY CREDIT BECAUSE THEY ARE REPORTING NEGATIVE ACCOUNTS THAT ARE NOT MINES
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as h
ighlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative
proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on this website in XXXX. I received correspondence with how I would like for this to be resolved. I received my points back but the late payment still applies on my report. This is the complaint. Credit acceptance stated that on XX/XX/XXXX. XXXX that did a auto pay for my car loan and the bank rejected it. I provided documentation that money was in my account and that the bank never rejected any money nor was a freeze on my card. The bank rep stated that CA most likely made an error because they would not have rejected my payment. Ive had this loan since XXXX and have not been late. This company has no compassionate even during a pandemic. I owe almost XXXX on this car loan. I need for them to to take responsibility to their error. I thought it was paid because all of my auto pays automatically are paid with no issue. CA notified me at the end of XXXX to tell me that payment was not received. I immediately paid worth the same card. I need for this late payment to be removed. Im trying to avoid lawyer and court fees but thats the next step.