23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Equifax settlement prepaid card {$22.00}. Declined at physical stores and online stores. Card issued by XXXX.
Product: Checking or savings account

I recently moved all my cash from my checking account in HSBC and emailed my banking representative to close the account at HSBC. HSBC did not respond but instead charged me an account fee. I contacted HSBC and they refused to close my account due to the balance. By doing this, they failed to act upon my request for closing account and unfairly demand a fee.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently reviewed my credit report and found that I have two accounts with XXXX XXXX. One account is reporting four late payments, and the other is reporting seven late payments. These accounts were always paid and closed in good standing. 

Since XX/XX/year>, I have been actively trying to resolve this issue and have repeatedly requested XXXX XXXX to correct the reporting. Despite my efforts, they have refused multiple times to assist or make any corrections.

This inaccurate reporting is negatively impacting my credit, and I am requesting that these late payments be removed immediately. Please provide confirmation once this issue has been resolved.

Per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, furnishers must ensure accurate reporting. Since XXXX XXXX failed to provide clear disclosure of this unusual 15-day policy, the reported late payments are misleading and inaccurate.

Additionally, under the Truth in Lending Act ( TILA ) 12 C.F.R. 1026.6, lenders are required to disclose key loan terms, including late payment policies, clearly before a borrower agrees to the terms. If XXXX XXXX did not properly inform me of this policy, they have violated TILAs disclosure requirements.
Product: Mortgage

I am on XXXX and my XXXX check came in late in XXXX it came on the XXXX instead of the XXXX and payments came out of my bank account that were charged late payments so I did not have the money to pay my mortgage that month I contacted the mortgage company and they put me on a covid relief thing and gave me until XX/XX/XXXX to catch up without interest so I did not pay the month of XXXX but I paid XXXX I went to the homeless coalition for XXXX and they paid that in the beginning of XXXX and then I made my XXXX payment. my family helped me and made 2 payments. I have made eight payments myself. In 11 months there has been a total of 11 payments.. every single month they harass me. they're adding on late charges they keep saying I am behind and I can't seem to get through to them they just won't listen they've hung up on me I'm just so frustrated and it's every single month and I'm XXXX and I can't handle this anymore I'm fighting hard enough to survive on XXXX and they keep saying this payment went to this month and this payment went to this month instead of just making this simple and seeing that I paid 11 months for 11 payments they claim the month of XXXX that they sent me a check back after I paid in full and I never received the check and I never cashed it and they said that was resolved and now they're bringing it back up I don't know how to resolve this I can not work with the company they they keep telling me I'm behind adding on all kinds of fees. They are ruining my credit and every single month I have to call and every month they tell me a different reason. I talked with a supervisor back in XXXX that figured out they sent me my XXXX payment back. XXXX  I don't know why they would have done that when I was paid in full and I never received a check and I never cashed it and I asked him to investigate to see if that check was ever cashed and they couldn't seem to figure out how to do that so they sent me another check and he told me to just send that back. That just confuses everything I was paid for XXXX and I never received a check back for it it was never cashed if they sent one would have solved everything and they said they were investigating it and everything was all set next month telling me I owe something else again different month simply paid XXXX and then I made 11 payments since then and that is a total of a year I am not behind and they refuse to just simply check the amount of months to the amount of payments. 
i have attached my bank statement showing 8 payment then add the 1 from the homeless coalition that helped me in XXXX and the 2 payments my family made in XXXX. That is 11 payments for 11 months. I also attached what they have sent as my payment history. I can't even understand it. I have had this morgage XXXX  years and never missed a payment till XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute inaccurate and unverified information that has been reported on my credit report by the following creditors : XXXX XXXXXXXX XXXX account number XXXX. According to XXXX and Equifax, I was reported as being 120 days late on XX/XX/XXXX, which is inaccurate as I have never missed any payments on this account. Additionally, all three credit bureaus- XXXX, XXXX, and Equifax- reported the payment status as charged off, but I have never received any notification or paperwork regarding this status. 

Furthermore, XXXX and Equifax did not report the correct high credit balance on the account, while XXXX reported a balance of {$2600.00}. I believe that these inaccuracies and omissions have greatly impacted my credit score and my ability to access credit at reasonable terms. 

I believe have been reported inaccurately by my creditors. Specifically, I am concerned about the following creditors and their account numbers : XXXX XXXX XXXX ( XXXX ). 

According to XXXX, my XXXX XXXX XXXX account is a Secured Credit Card, while Equifax reports it as a revolving account. Additionally, both XXXX and Equifax have reported that I was 30 days late on XX/XX/XXXX, but I have not missed any payments on this account. XXXX has also listed the payment status as Past due 30 days three times, but I have not received any notifications regarding this past-due status, nor have I been provided with any paperwork. Furthermore, XXXX 's Last Reported date is listed as XX/XX/XXXX, while Equifax 's is listed as XX/XX/XXXX. Similarly, XXXX 's Date Last Active date is listed as XX/XX/XXXX, while Equifax 's is listed as XX/XX/XXXX. 

These actions by my creditors are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( a ) ( 8 ), which require furnishers of information to credit reporting agencies to report accurate information, notify credit reporting agencies when an account is disputed by a consumer, and notify consumers when an account has been charged off and provide information about the amount of debt owed. 
These actions are also in violation of the Fair and Accurate Credit Transactions Act ( FACTA ), specifically section 312 ( b ) ( 2 ) ( A ) ( ii ), which requires the high credit limit reported to be the highest amount of credit extended to the consumer at any time.

These inaccuracies on my credit report have caused significant harm to my financial standing, as I have been denied loans and other forms of credit as a result of the false information on my credit report. This has had a significant impact on my ability to support myself and my family, causing me immense emotional distress and financial hardship.

Therefore, I am requesting that my creditors remove these unverified accounts from my credit report as soon as possible. I also request that the CFPB enforce the legal requirements of the FCRA and FACTA to ensure that my rights as a consumer are protected. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account NumberXXXX Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, assist my mother, XXXX XXXX, as her advocate in matters related to technology ( generally ) and most recently with regards to an ongoing identity theft issue and FCRA violations with XXXX XXXX . 
On XX/XX/2022 she and I submitted a complaint through the PA Attorney General 's office. As part of that complaint, multiple documents were attached as supporting data, including documentation that the fraudulent XXXX XXXX account was paid for by a XXXX XXXXXXXX XXXX corporate/business account issued to the thief -- XXXX XXXX -- through and/or for his employer, XXXX XXXX XXXX firm XXXX XXXX XXXX, PA . 

After submitting this claim, I, XXXX XXXX, received several notifications from Equifax credit monitoring on XXXX that my own XXXX XXXX XXXX credit card accounts -- which are completely unrelated to those formerly owned/used by XXXX XXXX , identity theft -- were now listed as " consumer disputes -- reinvestigation in process ''. 

As I have never had any issues with my own personal XXXX XXXXXXXX XXXX cards, I thought this strange and called Equifax ( spoke with representative named XXXX  ) who proceeded to inform me that as of XXXX XXXX XXXX initiated an investigation into my own personal XXXX  XXXX  XXXX accounts and placed the " consumer disputes -- reinvestigation in process '' wording on my credit report. 

I have never had a XXXX XXXX card. I have never paid for a XXXX XXXX card. I am not a customer of XXXX XXXX. I have never initiated an investigation for myself on any account. What I am, is an advocate for my elderly mother whose credit has been destroyed by XXXX XXXX . I have literally no financial ties to XXXX XXXX , so you can imagine my dismay at knowing that XXXX XXXX was able to access my credit file for their own investigative purposes and place commentary on XXXX of my XXXX XXXX XXXXXXXX accounts XXXX This practice seems dubious and highly illegal... 

Attached here are the Equifax notifications I received for my own two XXXX  XXXX XXXX accounts, along with the " consumer dispute '' statements placed on both of them in my credit file. 

Sincerely, XXXX XXXX, MD
Product: Student loan

I first obtained loans while attending undergrad at the University of XXXX and continued in XXXX   school at XXXX State University. I ended up with over {$40000.00} in student loan debt. After I graduated with my XXXX XXXX  in XXXX I looked into the Federal Loan Forgiveness Program because I knew I was going to be working for the federal government. I had a couple of seasonal positions with the government and then became full-time permanent with the XXXX XXXX XXXX XXXX in XX/XX/XXXX. I called my loan servicer in XXXX and inquired about the forgiveness program and I thought I was in. I continuously called periodically year after year finding out that I was not, and felt assured ( by the end of the phone call ) by the loan servicer employee that I was finally in and making qualified payments each time I called, every year. I called Fedloan Servicing earlier this year and they said I would be able to get all of my previous payments from when I started as a federal government employee in XXXX to become qualified payments, once I made 120 payments and by filling out a form associated with qualifying back payments. I made another call this week and spoke to a supervisor with Fedloan and he said I will not get any of those years prior to XX/XX/XXXX qualified toward the 120 month payments because qualifying back payments can no longer occur. I feel I have been lied to over and over, and I definitely would not have had my student debt with Fedloan if I would have known this corruption was going and its affect on me. I have been making monthly payments in higher amounts than I wanted to with the income driven repayment program, and I feel that I should be nearing the time when my loans should be forgiven, had the first and subsequent ( many ) loan servicer employees told me the truth. Fedloan said they are just following the policies set forth given to them by the Department of Education, however it took almost 10 years for them to figure it out to some degree causing damage to me, at my expense. I want my student loans forgiven and my payments to be counted as qualified payments from the time I obtained permanent employment with the federal government from XXXX, as I was told from the beginning from the loan company!
Product: Debt collection

On XX/XX/XXXX, I was a patient at XXXX XXXX, in XXXX Two bills were established, one for the medical facility and one for the emergency room doctor. The bill for the emergency room doctor was {$400.00}. Apex asset management llc of XXXX PA has been calling me and telling me, in writing, that I owe this bill. I explained multiple times of my two insurances and that both insurances would have covered the bill IN FULL. They continued to bill me. I have since learned that Apex asset management submitted the bill to the primary insurance using an INCORRECTLY spelled last name. I called the insurance company and they stated to me they never, ever received a bill for the doctor or a bill from Apex ; yet Apex told me they submitted the bill several times. This bill should have been paid when first submitted to insurances, but the last name has been spelled incorrectly ; although the last name on my patient chart is CORRECT. Apex told me on XX/XX/XXXX they were submitting the bill, AGAIN. I have never heard back from this debt company and need to have them be accountable and clear this matter up. There is no communication or follow up to know that they have finally corrected the billing name and submitted the bill to the insurances.
Product: Credit card or prepaid card

dispute # XXXX XXXX : Spoke to XXXX XXXX on XX/XX/XXXX regarding damaged items that arrived from XXXX. She informed me I had to send photographs and emails exchanged with the vendor of the damaged merchandise. She gave me a fax number to do this. I faxed the photographs to XXXX. I faxed to XXXX the emails I had sent to XXXX. This occurred in XX/XX/XXXX. I spoke to XXXX representatives every subsequent month, regarding the late fees and interest -- I said that since I had an ongoing dispute, these needed to be removed. Every month, they were removed by a XXXX representative, because there was an ongoing dispute. I spoke to representative " XXXX '' in XX/XX/XXXX, regarding the dispute. He also removed that month 's late fees and interest, and told me the dispute had been resolved, and my account was just awaiting reversal of charges from the dispute department. I called again in XX/XX/XXXX -- spoke to " XXXX, '' was told the dispute had been closed in XX/XX/XXXX. This is obviously a lie -- I have spoken to several representatives since XX/XX/XXXX who told me the dispute was being worked on and was open, and finally, that it was resolved. Every representative I spoke to told me the dispute was open and that they would reverse the late fee and interest for the ongoing dispute.
Product: Debt collection

My wife mistakenly wrote a check from the wrong account and it was returned NSF. We immediately contacted the payee to redeposit the check and transferred the funds, which covered the entire amount. The day after the check was paid in full we were charged {$1000.00} by Qualia Collection Services ( QCS ) as a return check fee, which we have disputed. I attempted to speak with QCS to pay a reasonable return fee but the individuals I spoke with only responded that they are charging the maximum allowed by the state and that the fact that the entire amount was paid in less than 3 days did not make a difference. I was also threatened with a lawsuit if I did not pay the entire amount.
Product: Debt collection

Received a notice by mail for a medical transportation debt. I haven't been in an ambulance or any medical transportation in over 20 years. 

Received notice XX/XX/18 from Debt Recovery Solutions LLC.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Sir/Madam, I am writing to formally file a complaint against Equifax regarding ongoing issues with my account and the handling of my disputes. 
I have experienced the following issues with Equifax : XXXX. Account Login Issues : Despite multiple attempts, I have been unable to log in to my Equifax account successfully. This has severely impacted my ability to monitor my credit report and status. 
XXXX. Lack of Follow-up on Disputes : I have submitted several disputes regarding inaccuracies on my credit report. However, I have not received any follow-up letters or detailed information about these disputes. The only information available on my Equifax portal is my credit score and the disputed results, with no information on submission or completion dates. 
XXXX. Inadequate Investigation Time : The disputes I have filed have been marked as completed within a few days. Upon contacting an Equifax agent, I was informed that the investigation was expedited because Equifax retrieves information directly from XXXX. This raises concerns about the thoroughness and accuracy of the investigation process. 
The lack of transparency, inadequate follow-up, and the difficulty accessing my account are unacceptable. I believe these issues violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies conduct a reasonable investigation of disputes and provide consumers with timely updates. 
I kindly request the CFPB to investigate these matters and ensure that Equifax : I have attached relevant documentation, including correspondence with Equifax and screenshots of my account portal, to support my complaint. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of these issues. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In regards to all MIDLAND CREDIT MANAGEMENT accounts I asked for the contact information specifically whom, when, and how you verified the account as reporting accurate and didn't get it. On top of that I asked you to fix things that were 100 % incorrect just between the 3 agencies alone. For example ( as I sent in the mail ) the date of last activity is wrong between XXXX and XXXX my balance is reflecting on XXXX but is completely XXXX on XXXX. The c/o status is even reported way more times via XXXX then XXXX which is another violation in itsself. The above law states after numerous attempts if an account is still inaccurate IT MUST BE DELETED ( You are now in violation of Law 15 usc 1681 Treatment of inaccurate/verifable info section 5A. ). You are harming me and my credit journey, my livley hood, my children 's lives because nothing can be done without great credit now and days. I asked you to verify and fix things and you changed nothing to be 100 % correct. We are all human please act as such! I fell on hard times I kept contact with the bank they even sent me to collections so not only was the debt paid/an asset to the company they kept the negitive account open AND the collections account for XXXX reason. It is your job to hold the company accountable and you guys get paid for subprime borrowers horrible scores and I understand everything is about money but you guys are wrong this time!! I request my 1099 and I demand a deletion within 48 hours of this notice, 24 from the notarized one in the mail..whichever is first. I asked for a pay to delete MONTHS AGO and was told " it's paid '' numerous times. Now I will not even engage in that option.
Product: Credit reporting or other personal consumer reports

I'm reporting a fraudulent account opened in my name. The auto loan comes up in my credit scores but I never opened a account with that company. They opened it in XX/XX/year>. 

These are the addresses of the person who stole my identity. It comes up on my credit score and they are not mine. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX anXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This is the company the person took my identity from. 
WESTLAKE FINANCIAL SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax and XXXX refuse to remove incorrect information on my credit report. I filed and disputed identity theft multiple times and they keep denying my disputes and leaving the incorrect marks on my record. All of the hard pulls on my credit report are NOT me and inaccurate. A closed collection from XXXX XXXX  is NOT me. It needs to be removed as well. I have closed credit card accounts and store card accounts that are closed or delinquent. Those are completely inaccurate and must be removed immediately.