23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has been a whole year and no relief so my issue is with XXXX, Equifax, and XXXX with their reporting of a loan company, XXXX XXXX XXXX, in which each reports a 30 day late when in actuality I used their app to close the account in XXXX of 2022. I have proof that their app was not working properly but I didn't catch it until XXXX because I noticed a XXXX charge. I will attach the email where an agent of XXXX XXXX XXXX talks about the app and guides me through the cancelation process. This was their error, not mine. I reject and am offended by Equifax, XXXX, and XXXX reporting this misinformation. This seems deliberate and is hindering my rights to fair credit while I am currently seeking a mortgage and other credit. XXXX XXXX XXXX has been compensated. In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX, and Equifax, XXXX, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. This is a blatant violation of my rights to fair credit and it is overwhelming. I am tired of being denied credit and having my rights violated. As a XXXX  and a consumer, I should be treated fairly, as should anyone any consumer any American.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I reviewed my credit report and noticed that I had a late payment on an account that I was never late for listed below. 
XXXX XXXX XXXX XXXX ( 3 ) I have requested Experian to provide me proof with statements showing these late payments were late during and end of the investigation process. I never received any documents. I also explained to Experian that I never did any business or signed any contract with XXXX XXXX XXXX, nor gave them consent to speak on my behalf. Experian has failed to respond to my previous letter within the 30 day period. I have sent Experian the proper documentation they have asked for to remove these disputed items. Experian did not respond back to me after the investigation process, which is a violation of the FCRA law. In accordance to the FCRA, these list of accounts have violated my Federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 15 USC 1681 Section 602 A states that I have a right to privacy. 15 USC 1681 Section 604 Section 2 states a consumer reporting agency can not furnish my account without my written instructions. The consumer reporting agencies have assumed the vital role of having a responsibility to report consumer information to the best of their ability with maximum accuracy. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit card

Home Depot somehow was able to run my credit and get a credit card for me even though they misspelled my name. That is incredibly scary. I called and cancelled the card, but how is it possible for credit to run if they do n't have the correct name?
Product: Credit card or prepaid card

This is a card issued by the Oklahoma Employment Security Commission ( the Way2Go MasterCard ) for pandemic benefits. I tried to make a transfer to my bank account today and was locked out of my account. I have made these transfers in the past. I called the number, was kicked off the hold queue the first time, called back, and was on hold for about an hour. When the person answered, we could not understand each other because they barely understood or spoke English ( I had pressed " 1 '' for English ). They asked for my full Social Security Number, not just the last four digits. When I expressed discomfort with sharing that information, I was informed that they could not help me, so I reluctantly gave it. Then, I was asked for all my other information ( address, date of birth, etc. ) Even after all that, I was informed that they could not help me because of Covid-19. They kept repeating it was because of Covid-19. This was a wholly unsatisfactory resolution, but my larger concern is that this person now has all my personal information and my Social Security Number.
Product: Credit card or prepaid card

I have paid my credit card on time and in full since I have had the card. The money is taken from my bank, but, I can not use my card for 10 days once they receive the money. When I talked to the representative at Chase Bank ( I have a Chase credit card ), I am told that if I pay more than half the balance, I have to " wait 10 days '' after the money has cleared to use the card " Just to make sure that the money is there ''.

I was told that if I pay less than half the balance, then, I can continue to use the card. But, if I pay off the total amount, I can not use the card for 10 days.

I feel that this holds me hostage. I am penalized if I pay off my balance on time, monthly.

This makes me very angry. I feel that the Chase credit card company is trying to force me to carry a monthly balance to increase their fees, instead of allowing me to pay off the balance and continue to use the card.

I think this is a very unfair and unethical.
Product: Debt collection

On Wednesday, XXXX XXXX of 2015, I was in receipt of a " Warrant In Debt '' which was serviced by a XXXX party service provider, XXXX This packet alleges I acquired an account from XXXX XXXX Bank which has been charged off due to non-payments. With review of the document ( s ), the debt has been sold a total of XXXX times ( i.e. XXXX ; XXXX, XXXX ; XXXX, XXXX ; Midland Funding ). Due to the recent sale, the new owner, Midland Funding placed the account / file with an attorney firm which they 've prepared the file to seek judgment against me within the state of Virginia ( Docket Number : XXXX ; their case file number : XXXX ) and I have absolutely no knowledge of this debt. Speaking of Midland Funding and the attorney representation - once a debt buyer and/or creditor purchases a debt then they have up to 30 days to issue a Demand / Dunning letter, and if the debt is to be serviced / collected on the companies behalf through Contingency or Legal strategies then a Demand / Dunning letter is required to be issued to the respective individual several days after placement. In result of such, I was never given an opportunity to dispute any of their claims since a demand letter was not provided and I did not find out about such debt until I was in receipt of the " Warrant In Debt ''. I have a permanent hardship which is not the businesses rights to know my medical history, but these measures are unfair and I 'm being taken advantage of when I did not acquire a debt from XXXX. I seriously do not need to go through litigation for illegal practices on behalf of the new owner and the XXXX party vendor / attorney. To the point - this is not a debt acquired by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C 1681 ( l ) and the accepted Standard of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there is something on my credit report that does not seem right, you can bet that Ill be taking action to get it removed. I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations of the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know that are not in compliance could damage the reputation of the company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the accounts listed below and their permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from my report. Please send my physical proof of any actions taken on my behalf. 



Below is a summary of the data in which I am challenging : I am extremely disappointed that the information you have provided is not accurate and does meet the minimum standards for credit reporting. I demand that this be fixed immediately or else I will take legal action. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. 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 challenge must be addressed individually and on its own merits. If you do not process my letter in a timely manner, 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. 



Inaccurate account listed below : XXXX Collections/charge off-reporting inaccurate information-Remove from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My complain is with People 's Financial. I paid of my XXXX XXXX in bankruptcy XXXX. peoples never gave my title to me or bankruptcy. 
i have reached out in XXXX and People 's Financial stated I still owe on my vehicle. All credit agency 's reports also that my vehicle is paid in full. peoples will not release my title its XXXX. When I ask to get corporate number I am inform there's No Corporate office. XXXX is the young lady giving the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove untruthful, lying negative mark of me being late with rent payment on all 3 credit bureaus immediately. You never made repairs and it was my right to with hold rent. You are still being paid your rent in full including rent increases. 



XXXX XXXX XXXX  XXXX refused to make repairs leaving my unit inhabible and illegal for 3 years to this day are : Neglected Repairs- *broken front door locks/handle 3 YEARS *NO HOT WATER IN TUB/SHOWER 3 years * faulty fumigation making roaches migrate into apartments * broken window frames/walls leaking water into unit * holes above sleeping/bathroom ceilings/walls made by maintenance * survelliance illegally put into my apartment, behind walls security system XXXX XXXX XXXX  XXXX made a bribe to code enforcement XXXX I reported XXXX XXXX XXXX  XXXX to XXXX XXXX city code enforcement As a result of bribe ( look up the records in XXXX for yourself ), XXXX XXXX of code enforcement has been out here due to my complaints but has not enforced these inhababiity issues that make my unit illegal. Despite me pleading with landlord to work with me, instead she played and abused me. 

Manager refused to make repairs. 

As my tenant rights suggest, I with hold rent. That is my right and as a result, a negative mark was put on my credit. 

After 3 years, landlord never made repairs. 

Please remove late mark on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with all three credit bureaus regarding an authorization by XXXX XXXX XXXX in the amount of {$240.00} on XX/XX/2023. This was a deposit for a car I was purchasing, but that fell through and I was then due to have the authorization reversed and the {$240.00} made available in my account. The merchant posted a separate charge for {$240.00} that same day, instead of releasing the initial authorization. Both transactions were done using my XXXX XXXX XXXX XXXX XXXX with a {$400.00} limit. At this point, I had {$240.00} taken out of my account for the authorization hold, and another {$240.00} posted as a charge - putting my card at {$490.00} ( or {$98.00} over my limit ) and my credit utilization at 99 %, which resulted in my credit dropping nearly XXXX points with all 3 bureaus. As soon as I noticed this, I paid off the credit card on XX/XX/2023 to a {$0.00} balance, and was issued an additional credit from XXXX which gave me {$400.00} credit + {$240.00} on my XXXX XXXX XXXX XXXXXXXX. I went from a XXXX down to a XXXX when XXXX XXXX XXXX reported the 99 % credit utilization to the three bureaus on XX/XX/2023, despite the fact that my balance was at {$0.00}, and my credit utilization was also at 0 %. As of today - all three credit bureaus still show I am at 99 % credit utilization, and I still have an outstanding balancd on my credit card of {$390.00}. They STILL haven't updated the balance and the credit utilization, although XXXX XXXX XXXX told me they reported my {$0.00} balance on XX/XX/2023 to all credit bureaus. The thing that is most upsetting is that my credit score took a nose dive due to a mistake that XXXX caused when they charged me a second time, putting my credit utilization at 99 % - and none of the credit bureaus have corrected this XXXX have they issued back the credit points I lost because of this.
Product: Credit card or prepaid card

I CALLED TARGET ON XX/XX/23 TO REPORT MY CARD LOST/STOLEN WHEN I WAS TRANSFERRED TO AN AGENT I ASKED TO SPEAK TO FRAUD THE AGENT SAID HOW CAN I HELP YOU, I SAID I WOULD LIKE TO SPEAK TO FRAUD, SHE THEN REPEATED THE SAME THING, I AGAIN TOLD HER I WANTED TO TALK TO FRAUD AND SHE GOES I AM FRAUD, I INFORMED THE REP THAT I DID NOT KNOW THAT BECAUSE SHE NEVER TOLD ME SHE WAS FRUAD THE AGENT THEN DISCONNECTED THE CALL I SPOKE TO THE SUPERVISOR AND SHE SAID OH I WILL FILE A COMPLAINT AND SHE WILL GET TRAINING. I TOLD HER NO SHE NEEDS TO BE TERMINATED, THE SUPERVISOR THEN DID NOT ADDRESS THE PHONE CALL TO BEGIN WITH AND I HAD TO TELL HER WE ARE NOT DONE. TARGET NEEDS TO STOP HIRING EMPLOYEES LIKE THIS. THE SUPERVISOR REFUSED TO REVIEW THE CHARGES ON THE ACCOUNT AND TOLD ME SHE CANT HELP ME AFTER VERIFYING ME WITH A ONE TIME PASSCODE THEREFORE WE HAVE NOT BEEN ABLE TO TAG ANY CHARGES AS FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like a copy of of my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Consumer Financial Protection Bureau , I am writing to formally dispute multiple inaccuracies on my credit report. I recently reviewed my credit report and found errors that need to be corrected as they do not accurately reflect my credit history. Below are the details of the disputed items : Items Being Disputed : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Error Description : negative Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy of consumer reports. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit bureaus must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute.

I have attached copies of relevant documents, including my credit report with the disputed items highlighted, a copy of my identification, and any supporting documents that verify my claim.

I request that these errors be investigated and corrected promptly. Please provide me with written confirmation once the changes have been made. If the information can not be verified, I ask that it be removed from my credit report immediately, as required by law. 

Thank you for your time and attention to this matter. I appreciate your prompt resolution and look forward to your response. 

Sincerely, XXXX XXXX
Product: Mortgage

Trinity Financial Services , LLC violated Regulation X by ( 1 ) failing to maintain a complete servicing file, ( 2 ) failing to obtain a complete servicing file from the prior servicer, and ( 3 ) failing to provide a complete response to a request for information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equiant Financial Services on XX/XX/2022 and got no response I also sent letters to XXXX on XX/XX/2022 to explain how they verified this account with proof of letters that the account is in another individuals name and not mine. Did not get an answer to how they verified the information. 
Sent letter to Equiant Financial Services on XX/XX/2022 and got no response again. 
Sent letter to XXXX again on XX/XX/2022 and got no response from them as well. 
Neither company has provided any documents to me explaining how this account is on my report. No proof and not even one response from creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Dates : 1. XX/XX/XXXX 2. XX/XX/XXXX XXXX. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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

On XX/XX/22 I sent a letter to the credit bureaus to validate accounts for the following : 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 No actions have been taken.
Product: Student loan

Conduent was my previous student loan servicer. My student loan was sold or transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX. I have no hard copy or digital records of the original loan or transfer over to the new service provider. I do not have any info about the repayment terms and schedule. No data transparency or disclosure is available. XXXX insists the former Conduent service provider sent the loan paperwork. I did not receive a hardcopy or digital copy. XXXX will not provide a copy of my loan paperwork or the full repayment schedule. They insist all that information was sent to be by XXXX and they do not have any obligation to provide this information since they did not originate the loan. My payment schedule is graduated and I don't have information regarding the graduated schedule. I was shocked by the increase in my expected XXXX student payment and had no warning of the pending increase. XXXX will not provide the full repayment schedule to me except for XXXX, XXXX and XX/XX/XXXX. I can not compare the repayment schedule for XXXX to XX/XX/XXXX to the original Conduent loan information because I never received the info. I do not have information to determine the accuracy of my loan balance, previous payments, pending interest or principal. I have no means to perform an accounting reconciliation of my loan account without the Conduent loan documents.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some Collections that I did not make nor did I approve anyone to pull my credit
Product: Debt collection

On XX/XX/2024 XXXX XXXX  was sent a Cease and Desist Notice Regarding Communication and Collection Activities. They was also notified that thought the CFPB and the XXXX XXXXXXXX. First Credit Services acting on the behalf of XXXX has made repeat calls, and text to me on multiple occasions. 

XXXX after being made away that I did not wish to move forward with settling this debt and that I wished only to be contacted if they was eliminating it. XXXX funding in a effort to harass and annoy conspired with First Credit Services to repeatedly call and text despite the fact that XXXX has full understanding that I do not wish to be contacted about this debt.
Product: Credit reporting or other personal consumer reports

Back in XXXX a dispute with the XXXX was initiated and completed with a Auto company the company close the account absolved me of the responsibility and agreed to remove the account. The company did state it would be at the bureaus discretion in the letter it lists that if I provide the information to the bureaus, they should remove it, but the creditor can not Per the letter I reached out to all three bureaus two of the three made the proper adjustments and deleted the account however, Equifax has been making it very hard. This has been going on since XXXX. I just completed a dispute in XX/XX/XXXX where they changed the remarks which affected my score negatively despite this is now seven years and too old to remain on my report it seems they barely did any investigation because that would have been the first reason to remove it in exactly 7 days. It would have been seven years from the closed account as well as I have letters and documents from the creditor and lender saying this can be deleted at this point I am interested in hearing about my options. I can take against Equifax as this is the only bureau that has repeatedly given me issues removing this and its now affecting my score negatively I just took a hit and now I can not apply for business loans after three years of building my credit to the XXXX that its at now .. as stated in the attached document in the last section, it is at the Bureau discretion to remove the account from my credit history. However, they chose to add a remark that affected me negatively. Is there anything I can do legally to make this right if I need to speak to a lawyer, I will because this is getting out of hand and its like the bureau is moving the goal for all the progress. I am trying to make.