23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.

This is false because there are a number of inaccuracies on my consumer report that still remain. 

XXXX. I am disputing this account for inaccurate information because XXXX is reporting a monthly payment on a charged-off account. Now, it is to my knowledge that a charged-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it makes it looks like I made payment arrangements with the creditor which is not the case. 
XXXX XXXX  Account Number : XXXX XXXX. XXXX is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX XXXX Account XXXX : XXXX XXXX. This account has been deleted from XXXX but somehow it is still being reported by Experian. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete it and notify the data furnisher and creditor. If XXXX notified you and the data furnisher that it was inaccurate and incomplete, how are you still reporting this information? 
XXXX XXXX XXXX Account Number : XXXX XXXX. Provide me with the date of delinquency that the creditor has provided to you. I am of the belief that the date of delinquency is incorrect and needs to be removed if you can not provide it. 
XXXX XXXX Account Number : XXXX I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.
Product: Money transfer, virtual currency, or money service

Hello GoodAfternoon My name is XXXX XXXX XXXX contacting you today because Im having a issue with Cash App and also My mobile Bank {$400.00} dollar has been missing from my account for quite some time now, I have been given the run around from my bank and also Cash App and its very unfortunate, I still havent gotten to the bottom of the issue and Ive been very patient about money thats been missing from my accounts, its definitely a inconvenience to me and my family because this is a lot of money there was a total of 3 transactions that was made on XX/XX/2023 one transaction was canceled which is the {$400.00} from cash App I was told the the money would be returned to my account within 2-3 business days, I was watching my account nothing was returned meanwhile Cash App support chat was beyond rude, I spoke with my mobile bank they said that the money was returned but it wasnt because I dont see a deposit/nor returned added to my account, I dont even see it on my bank statement for mobile bank but when I checked bank statements for cash App I do see the {$400.00} but it still has yet to be returned to my account. I just want help getting my funds returned back to me, its going on 2 months already and still havent heard anything, all Ive been getting is chat support being rude to me and Ive had my XXXX XXXX and cash App for years and never had a issue like this before, please if you can help me get to the bottom of this issue I would greatly appreciate it, please feel free to contact me at my email XXXX or cellphone at XXXX Thank you in advance.
Product: Credit card

On XX/XX/year> aprox. XXXX EST, I spoke with XXXX XXXX ID # XXXX ) requesting financial hardship assistance. I was looking for payment deferments as well reduction in payments. XXXX took some information and ran it through his system and advised no programs were available, when I asked for more details and parameters for their hardship programs he refused to provide them. When I asked to speak to a manager he put reluctantly put me hold for a long time then told me no one manager was available. Im assuming he put me on hold for a long time hoping I will hang up. He then said call back at XXXX, which was the number I called to speak to his department. When i asked for a direct number to a manager, he rudely hung up the call.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error in my credit report. After reviewing my report, I noticed that an account under my name [ Account Number : XXXX ] is reporting a late payment, which is incorrect. I have attached a copy of my credit report highlighting this discrepancy. 

I would like to clarify that I made all payments on time, including the one flagged as late in XXXX  2023. Consumer reporting agencies are required by law to report information accurately, and this account has not been delinquent. I am now requesting an immediate investigation of this account. Please provide verifiable proof and records that show a late payment on my account. If no such records can be provided, I respectfully request that this late payment be removed from my report and that my account be updated to reflect that all payments were made on time. 

Thank you for your prompt attention to this matter. Please notify me when the correction has been made or if additional information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous complaint regarding an unauthorized hard inquiry on my credit file. Despite my initial request, this unauthorized inquiry remains on my report, and this situation is unacceptable.
Product: Credit reporting or other personal consumer reports

I'm writing to formally request the removal of this negative information ( 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  ) on my credit report. i believe that these entries do not accurately reflect my financial behavior or current standing have made every effort to resolve any issues and have acted in good faith to improve my creditworthiness. in light of my consistent efforts to maintain financial responsibility. I kindly request that you review my case and ensure that my credit report is a true and fair representation of my financial history. Your prompt attention to this matter would be greatly appreciated
Product: Mortgage

On Friday  XXXX   XXXX ,    2017  my husband and I were contacted b y the county that we live in that the property taxes on our account had not been paid by our mortgage company and that we are now in default. Immediately I called the mortgage company more than once and was told it was going to be handled within 10 business days  and that a supervisor would call me Monday.     Monday  XXXX   XXXX ,  2017  I called the mortgage company and was told the supervisor would call me later that day, that the supervisor would n't be in until  XXXX    XXXX   central standard time. I called back around  XXXX  central standard time after not hearing from the supervisor, the supervisor told me my property taxes had been paid to  a county in Nebraska. When I looked online the mortgage company had the correct county on our statement. The supervisor stated that the payment may not be paid toda y instead it could be up until the  XXXX  of  XXXX  for this to be paid at no extra charge to us.     How can  Moneysource  do this and still be in business?!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act and Fair Credit Billing Act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC Right to Privacy 6801 ( 1 ) In general. ( c ) subject to any provision of law, rule or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. 15 USC 1601 ( a ) Credit Billing and Credit Card Practices ; 15 USC 1681, and 602 ( a ) ( 4 ) States there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 USC 1681a ( 2 ) ( A ) ( i ) States report containing information solely as to transactions or experiences between the consumer and the person making the report ; must be excluded. 15 USC 1681 604 ( a ) ( 2 ) States information about consumer can only be shared In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681c ( a ) ( 5 ) States that no information and/or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years can be shared without expressed permission of consumer. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) States that 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. I XXXX XXXX formally hereby declare that I have not given my permission written and/or verbally, knowingly and/or willingly, expressed and/or implied, to any individual person, banking entity, business, company, creditor, credit reporting bureau, and/or any of its representatives, to share my transaction history, experiences, or any type of personal information. If I have unknowingly given my permission because I was not legally and properly informed by said individual person, banking entity, business, company, creditor, credit reporting bureau, and/or any of its representatives that my personal transaction experiences history and/or information would be shared, I hereby revoke any such permission in its entirety. 
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

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  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : UNKNOWN 3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
4. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX 5. The inquiry was not authorized MORTGAGE Date of inquiry : XX/XX/2023 Delete this account. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX XXXX XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. 

I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. 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  Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. 

My father, XXXX XXXX, applied for a loan with this institution. He went through a lengthy process for a complaint from a previous issue with the loan. Then, he apparently just went back to them within the last 2 months and applied for a loan. He was granted a {$15000.00} loan for a lawyer while on XXXX only making {$2500.00} a month in income and divorcing my mother. Not sure what he used as collateral, but I'm making {$75000.00} annually and they granted him a large loan and he will be unable to actually pay it soon. 

I'm not in my situation by choice. I didn't create this!
Product: Credit card or prepaid card

on XX/XX/XXXX I withdrew {$1000.00} from bofa atm machine locate in XXXX, on XX/XX/XXXX I went back to withdraw money again knowing I had a balance of {$320.00} and got denied. I immediately contacted bofa card services and filed a fraud activity. A week later I received another card along with a denial letter/stating case was closed. I called and asked why was it closed and was told told it needs to be re opened in which they did. I kept calling y other day to follow up on my money and was given different answers every time. On XX/XX/10 I was told by a claims supervisor to write a letter stating my account was fraudulently used and provide my drivers license in which I went to a Bank of America Branch and had representative fax ( have proof of both ) I called today and spoke with XXXX claims supervisor. Very rude and unprofessional person. She stated that the case got closed again and denied the decision is final. Asked why and she stated there is nothing attached. Told her I have proof of both fax confirmation and letter. Why didn't they send me a warning rather than closing the case. She kept talking over me and left me no choice but to hang up. I even advised her I filed a complaint with XXXX ( claim # XXXX ) in which Bofa never complied or responded. BofA needs to refund me the money they gave to unauthorized user
Product: Credit reporting or other personal consumer reports

In a letter dated XX/XX/XXXX, XXXX XXXX A Department of Education Servicer for Federal StudentAid, An OFFICE of the U.S. DEPARTMENT of EDUCATION, informed me via email that the Biden-Harris Administration had forgiven my federal student loan ( s ) in full as of XX/XX/XXXX. And, XXXX has notified, or will notify by the end of that month ( XX/XX/XXXX ) all national credit bureaus of your student loan forgiveness. This has not yet occurred. Even after disputing the information and providing a copy of the forgiveness letter, all 3 of the major credit reporting bureaus still show the account as active with a balance.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 reported to be removed.

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. 

XXXX 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

After I found out about the XXXX & XXXX XXXX breach, on approximately XX/XX/XXXX I logged into my XXXX credit monitoring account and noticed a collection on my report dated XX/XX/XXXX under the Account name XXXX XXXX XXXX. I phoned the company asking what/who the collection was about. They informed me that it was for a XXXX XXXX XXXX located at the address of XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX XXXX XXXX XXXX NY XXXX XXXX Single family XXXX ). I argued that I have never lived in the state of New York, nor have I ever done business with XXXX. They provided me XXXX options : XXXX ) dispute the collection ; or XXXX ) pay the collection at a discounted price. I chose to dispute the collection as it was not my debt. I disputed the collection with Transworld Systems and through my XXXX credit monitoring on XX/XX/XXXX. On XX/XX/XXXX I received an email with the results of the dispute stating : The information you disputed has been verified as accurate. How could this be if I never lived there nor ever done business with XXXX?! I think it should be unlawful to buy collection accounts that have already been written off by corporations. This should not be a legitimate revenue maker for companies when it is already written off from corporate taxes.