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

I am writing to you with a sense of urgency and frustration regarding the Equifax data breach that has severely impacted my personal and financial life. My personal information was exposed, leading to potential identity theft, and I am outraged by the resulting damages. 

I want to make it clear that I have faced significant challenges in dealing with this situation due to language barriers and a lack of understanding of credit systems. I had trusted Equifax as a reliable entity, but since XXXX, I have been grappling with my credit score due to identity theft, which I was unaware of until recently. 

The problems I have encountered with my credit are now understandable in light of the data breach. I have spent countless hours trying to rectify these issues, causing not only disruption to my daily life but also immense stress and anxiety. 

I am aware that the deadline to file a claim for Out-of-Pocket Losses incurred between XX/XX/XXXX and XX/XX/XXXX as a result of the Data Breach was on XX/XX/XXXX. However, due to the challenges mentioned above, I was unable to submit my claim in time. 

I demand your immediate attention and consideration in reviewing my case despite the passed deadline. It is only just that Equifax takes responsibility for the damages caused by their failure to protect my personal information. 

I have incurred significant personal out-of-pocket and monetary expenses as a result of this data breach :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. The past 2 months i have disputed this and it was verified as " accurate '' by XXXX  XXXX XXXX. It is reporting to XXXX, Equifax and XXXX  but a lot of contradicting information there is no way that they that they can verify this debt as it is reporting completely inaccurate they are in violation of my rights. 

below are the innacuracies Monthly payment XXXX {$260.00} equifax {$260.00} XXXX  {$0.00} Date opened XXXX XX/XX/XXXX equifax XX/XX/XXXX XXXX XX/XX/XXXX month ( terms ) XXXX   XXXX equifax XXXX XXXX XXXX high credit XXXX {$15000.00} equifax {$0.00} XXXX {$15000.00} Last reported date XXXX  XX/XX/XXXX equifax XX/XX/XXXX XXXX  XX/XX/XXXX date of last active XXXX XX/XX/XXXX equifax XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : XXXX   XX/XX/XXXX equifax XX/XX/XXXX XXXX XX/XX/XXXX the reporting on the bottom on the 2 year payment history is all different as well..please see attached document for proof of all of the inaccuracies stated above
Product: Debt collection

I have no memory of incurring this debt. Likewise, I never received any correspondence from the original creditor or debt collection agency stating that I owed the debt. Also, the debt was in two parts. I do not recall making one single debt with this company net alone two separate debts. I'm not saying the debt is not valid, but it does not appear valid because I never knew I had this debt until it showed up on my credit report without any prior notice. I have a XXXX credit score and I take pride in paying my debts and bills on time and in full. So if I had knowledge of this debt I would have never allowed it to go unpaid.
Product: Credit card or prepaid card

Have a paypal account with purchases to default to my checking account I just received a statement that shows changes to pay pal credit and a late fee. 
I did not authorize these charges to my pay pal credit account. 
When I call the customer service number no person is ever available to talk to you you just get an automated system to make payments. 
They really have no dispute process just a pay process. I need a person from pay pal credit to communicate with me on this disputed matter. As a result of their stonewalling they are charging exorbitant late fees to my account on charges I did not authorize them to make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a CFPB Complaint to inform the Credit Bureaus about the fraudulent accounts and incorrect information they have been reporting on my Credit File. After conducting research, I have learned that to remove these fraudulent accounts, I need to file a report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA section 605b, Credit Reporting Agencies are obligated to remove and block any accounts listed on an ID THEFT REPORT. I have attached the necessary documents to aid in blocking the erroneous information that is appearing on my report. Here is a list of the accounts that do not belong to me or were opened without my consent : 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 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 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. I assure you that I did not open these accounts or authorize anyone else to do so on my behalf. FCRA Section 605B ( a ) states that the Credit Reporting Agencies must block any information in the consumer 's file that is identified as resulting from fraud within four business days of receiving the request.
Product: Credit reporting or other personal consumer reports

These are fraudulent inquiries I did not make them. THE FOLLOWING INQUIRY WAS NOT AUTHORIZED AND SHOULD NOT BE REPORTING. THESE ARE IN VIOLATION OF 15 USC 1681B. PLEASE DELETE. 

INQUIRY XXXX XXXX XXXX XX/XX/2023 INQUIRY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRY -XXXX XXXX appears twice on my report as an inquiry INQUIRY XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXXXX/XX/2023 INQUIRY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRY XXXX XXXX XX/XX/2023 INQUIRY XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I have never had a mortgage with Bayview Financial. 
I have disputed this item numerous times. They said they my mortgage, however, I have n't ever had a mortgage with this company. I 've asked for documents bearing my signature. 
However, nothing has been provided to me. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I report numerous violations commited by Citi Bank and request to impose appropriate sunctions that will motivate that financial institution to obey the law.

Citi

Bank violated FCDPA 804. ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer by calling and refusing to disclose the identity of the employer when I explicitly requested that. Citi Bank violated FCDPA 807. ( 8 ) includi ng the failure to communicate that a disput
ed debt is disputed by not notifying me about alleged debt. 
Citi Bank failed to validate the debt before reporting it to consumer reporting agencies by violating FCDPA 809. ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector On XX/XX/XXXX I got a call from a person who didn't want to introduce himself neither disclose the identity of the company till I confirmed my name, though such an action classified as a violation of FCDPA. But I already knew that Citi Bank employs such deciving practices so it didn't surprise me. Then, I was asked why I didn't make minimum payments for my credit card. I was taken off guard since I saw payments going to Citi Bank in my online banking. Then we started to investigate the issue. It turned out that in XX/XX/2019, a Citi representative made a mistake while setting automatic payments and linking an unexisting account over the phone. Then, for 3 months Citi failed to call me or send me an email notifying that autopay didnt work and they didn't receive the payments. When it was clear that it was only an error on the bank 's side, Citi representative apologized for a mistake, reversed all late fees and fixed autopay. Nevertheless, at the same time Citi submitted a false information about missing payments to credit reporting agencies! And the bank never notified me that it would take such an action neither by phone, mail, or email which is another violation of FCDPA!!! A month later the bank insisted and resubmitted the false information again. In XX/XX/2019, faling to make Citi to fix it on its own, I disputed credit report late payment with credit bureaus and on XX/XX/XXXX I received results from XXXX which confirmed again that I was 30 days late making payments for a credit card. It appears that Citi Bank considers penalties under FCDPA insignificant and is ready to bear them in order to harass its clients. 
As a result of multiple FCDPA violations by Citi Bank I had a credit card issued by XXXX XXXX closed and a new account request rejected by XXXX.
Product: Student loan

I have been attending XXXX University XXXX XXXX Georgia since XXXX, and I have been having issues with the financial aid services at this particular school. When I first started the college, I was told that I would be enrolled they were charging me around XXXX every five weeks class, so when it was time for the money to be released to the college and myself, I notice things started changing. I called and they would give me an excuse about, that I didnt have all my paper work in in time so they could n't give me the remaining funds. I as was the money returned to my lender and they said that it would be used on the next quarter, but when the next quarter came, I never saw the funds and it was no longer on my account balance in the positive. I called the XXXX XXXX and asked them about it but they had no documentation showing where they sent the money back to them and this has happen a few time since I have attended XXXX University. I went and read some complaints about the college of some students who were having the same problem as well. When I contacted fasfa to ask them about how much money was given to the college, it was not adding up, so when I asked my financial counselor about it, she asked me did I receive a amount for {$1500.00} and I told her no, so she got really quite and changed the subject. I was wanting someone to check into this because I believe that they are keeping a lot of the money and that scares me because I do n't want the money that I have to pay back to be misused by a college or them robbing me blind. I thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my FTC REPORT and Credit letter off on XX/XX/2022 to Experian. I told Experian to remove XXXX fraudulent accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I also told the credit bureaus to " investigate every piece of information '' on the accounts I have listed above. I also attached the letters I sent out and here is the Tracking number : XXXX. 

According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. My credit report needs to reflect the deleted the above accounts
Product: Vehicle loan or lease

I paid my Honda Financial Services loan off in XX/XX/2019. I have yet to receive the title or lien release letter despite multiple calls to their customer service number for New Jersey. I'm told these documents have been mailed, but I've never received them. The hold times on calls to customer service exceed 30 minutes ; today it was 58 minutes.
Product: Credit reporting or other personal consumer reports

I had a business card with XXXX XXXX XXXX and left the company on XX/XX/XXXX. There was a payment due of {$150.00} on the card that I had set-up to pay prior to leaving the company. I had cancelled the card on XX/XX/XXXX prior to leaving the company. 

For some reason the {$150.00} payment did not go through and I ( or the company ) was not notified by mail/email of such delinquency. As my company XXXX was closed, not sure if they sent any notifications bu obviously I did not receive it. Somebody from XXXX called me in XXXX saying that the payment is due. I asked them to call the company/CEO to make the payment as I have no access or authority to pay and that they would take care of it as there was no intention of not paying it. 

I did not hear anything back from XXXX so I assumed that it was resolved. On XXXX XXXX I saw that my 'personal " credit score was reduced by XXXX points and that XXXX XXXX XXXX reported this delinquency on my personal credit report. I called XXXX to find out what is going on and they informed me that the amount was not paid. I immediately asked the company to pay the amount ( which was now {$270.00} including late fees )- it was paid on XX/XX/XXXX. I opened a dispute with Experian to remove this entry from my credit report so my score can be adjusted back to Excellent ( XXXX ) as it was only a one time issue and I have never had a late payment. The account is already closed and there is no risk of any future late payments. 

For the past few days I have been going back and forth with Experian and XXXX to resolve this issue and they keep pointing the finger at each other as they will not remove this entry from my credit report. I am not disputing that it was late as it somehow feel through the cracks but now that it is resolved, it should be removed. 

Note that I never received any mail/email notification from XXXX for this error and it does not seem fair to hit the XXXXredit score by XXXX points for just a {$150.00} error with no history of any delinquent payments. 

I would like XXXX to delete this entry so Experian can update the score. XXXX is telling me that they have no authority to do it and it is up to Experian and Experian is telling me that XXXX has to delte/remove it so that they can update the score, so I am not sure as a consumer how to resolve this issue. 

Thanks for your help!
Product: Credit reporting or other personal consumer reports

Took credit builder loan with XXXX which was paid in full. It took days to first get ahold of someone who appeared to fix the problem and the loan at the time was fixed to show paid in full as agreed. Until XX/XX/XXXX which they are now reporting delinquent and late. Both of which are completely false. I have included a copy of the email showing payment in full and chat log with rep who shows payment was made in full. This needs to be fixed as I paid in full and never was late.
Product: Mortgage

Specialized Loan Servicing provided a nonresponsive, misleading, and in some instances false response to Complaint # XXXX as documented in my feedback. The SLS response begins with an old inflated arrearage amount never resolved because the " agent '' could not be located by the CFPB, which in turn had to refer it to the FTC. Even the response includes significant charges to the account that go totally unexplained.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this complaint serve as my consumer statement as it relates to the fraudulent account. I XXXX XXXX provided all documents required by law to remove a fraudulent tradeline. 
As stated in the FCRA 15 usc 1681c-2 all items resulting from fraud must be blocked and removed from within 4 business days. The item was not removed during the investigation as stated under the FCRA neither which is a violation under the FCRA.

Equifax is claiming the fraudulent account owner has verified the account. BUT IT IS FRAUD! PYOD has no proof my information was submitted by Me to this account holder. The account is a fraudulent! Equifax is to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates and Equifax has failed and is continuing to report a fraudulent account.

Ive provided all items required by 15 usc 1681c-2 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

What is Equifax reason for not abiding by the law? 

I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2023 Upstart sent me a offer for a new loan, then said use a different email, then said many other conflicting details. Eventually they denied this loan saying they could not identify me. I have a loan taken XXXX. I have never paid late, Upstart says I have paid XXXX of principal towards the XXXX original loan in 16 payments. yet they turn around and claim I owe XXXX, more than even the amount they have said I have paid towards the principal. Furthermore the total of my payments has been XXXX, the rate far exceeds the 35 % allowable interest rate for Oklahoma. When I contacted them on XX/XX/2023 they refused to respond. On XX/XX/2023 they responded via email saying they take my concerns seriously but OFFERED no resolution or even a hint of compromise or explanation. Compounding the problem, Upstart, after offering a second loan has sent some company they say they work with named Am One who hounds me to death about loans via calls and emails. I never asked for, nor authorized Upstart to have these people contact me ad nauseam. As of this date no resolve, or any actual viable response has come from Upstart.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. My records show that the payment was submitted in XXXX and XXXX, XXXX, well before the due date. I have attached bank statements and payment confirmation receipts as evidence of this timely payment. 
Additionally, I did not receive any prior notice or warning of a delinquency, further suggesting that there was an error in processing or crediting my payment. 
This inaccurate late payment entry has resulted in unjust negative consequences on my credit score, affecting my ability to secure favorable credit terms. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

First company was XXXX. Called and said they were going to garnish my wages if I did n't pay back on my overdue payday loan. Said they had been trying to contact me but I never received info. I paid them since I knew the money was due and kept letters from paid debt. Now another company called dfc legal services began calling my inlaws saying I would be taken to court if I didnt pay them
Product: Credit reporting or other personal consumer reports

I have mailed a dispute to Transunion, USPS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XX/XX/2024 I have attached mailing attachments below along with the actual letter mailed to Transunion, along with tracking and signature when delivered. I have been disputing account ( s ) with Transunion and Transunion responded by sending USPS mail stating, " We recently received a request that included your information, but it didn't appear that you or an authorized third party sent it to us. '' The account ( s ) below are reporting inaccurately according to the XXXX XXXX Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CHILD SUPPORT XXXX VA XXXX In accordance with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( XXXX ).
Product: Checking or savings account

Today, XX/XX/XXXX, Chime Financial closed by checking account without notice. 

This account contained over {$2000.00} and I used it to pay rent, my credit card bills, and receive my paycheck. 

I reached out to Chime for further explanation but they said they were unable to disclose further information about the closure of my account. 

They said they would send me a check with my account balance in 30 days.
Product: Credit reporting or other personal consumer reports

Section 609 of the Fair Credit Reporting Act outlines consumers protections regarding disclosures. It requires credit reporting agencies to provide consumers, upon request, with information in their report, including : Details, including dates and contracts, on any opened or closed account on credit reports at the date of the request A list of all parties that made hard or soft inquiries on account over a 12 year period All source information linked to each item on the credit report. 
I requested a break down of my credit score since my credit was establish however they can provide me with the information. Their reporting directly affects my ability to be approved for credit cards. Home and business loans. They have no way to tell me when I turned XXXX to now if my score was XXXX or XXXX. There is no way to see or correct any mistakes