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

Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request ( dated XX/XX/XXXX ). Equifax has violated the FCRA 30-day-to-respond regulation ( As of their XX/XX/XXXX frivolous request for id info, any subsequent investigation will put them past 30 days ). The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS 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 INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX, account # XXXX is a charged off account that is reporting a Balance after the account has been sold and Equifax also failed to notate that the account has been sold these are two big violations that are harming my credit. I will attach proof below
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notified XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following company Inquiries : XXXX XXXX XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b and a serious breach of my privacy rights. I requested copies of documentation associated with these accounts bearing my signature, in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that XXXX maintain under my Social Security number. I have not receive copies of documentation associated with these accounts bearing my signature, they continue to report negatively on my credit report. I sent a follow-up certified letter to XXXX regarding this matter but they still failed to provide documentation bearing my signature. This has been a nightmare, as of XXXX I have filed a Identity Theft report with the FTC report and carry this report everywhere I go. Also, I am having issues with TransUnion removing inaccurate reporting on my credit report company Inquiries XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. I have ongoing complaint and investigation filed with XXXX.
Product: Debt collection

XXXX runs an Urgent Care Clinic in XXXX XXXX< WV where I went for treatment. They took my information and credit card #, then asked what I was there for ... .I explained my symptoms and they said they could not help me and told me to go to the nearest Hospital / Emergency Room. I have filed multiple complaints with the company and they told me at one point they were dropping the claim that I owed them since they did not treat me - now I see this is the only negative mark on my credit! They have submitted this for collections ( through " Transworld Sys./XXXX '' at XXXX ). I need this to be removed and not reported on my credit. No service provided, no treatment rendered, but somehow they want to charge a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a background check done through yall company and it came back and said that I had a XXXX   XXXX Charge. But I knew my record is clean so I called and went to XXXX County General Sessions Court Clerk and got a Disclaimer. I went to XXXX XXXX and they told me to get in touch with yalll and file appeal. So with all this said and done I want to File a Appeal for my background!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and Experian via certified mail which was accepted XX/XX/XXXX and XX/XX/XXXX concerning an unverified bankruptcy which was removed from XXXX who is the reporting bureau that XXXX and Experian both verify their public records data with. Somehow, XXXX and Experian claim that the bankruptcy information is valid based on the data provided by XXXX who provided me with a letter verifying them removing the bankruptcy data from my records. Unfortunately both XXXX and Experian have a reputation of not doing the follow up work to either verify or dismiss information on peoples conumer reports which I believe has happened in this case. 
I also contacted XXXX on XX/XX/XXXX and spoke to XXXX, ID # XXXX to verify whether there were any inquiries submitted by XXXX and Experian within the last 3 months to which XXXX was unable to find any record of these companies doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each year I have to reapply for Income Driven Payment plan for my student loans. My payment for XX/XX/XXXXwas {$170.00}. I received an email on XX/XX/XXXX advising that my payment will increase to {$420.00} on XX/XX/XXXX if I do not reapply by XX/XX/XXXX. I submitted a new application with new financial information ( pay stubs ) on XX/XX/XXXX and received a confirmation email that it was received. Then I received an email stating that my application was approved on XX/XX/XXXX but on XX/XX/XXXX I received an email stating my payment still had increased to {$420.00}. I called into XXXX  because I had provided all the information and got my application prior to the deadline and received the approval notice. The representative advised me that for some reason my information never got processed but could n't give me a clear reason as to why. My new and largely increased payment was coming up and I had to provide more income information since it had been past 30 days of the original pay stubs I sent in. Because I would not be able to make the new payment of {$420.00} by the due date and I did not know how the it would take to process AGAIN I had to opt for one month of forbearance while they were AGAIN processing the information I had to resend in. I received another email stating my application was approved on XX/XX/XXXX. But because of the forbearance my credit score dropped 48-58 points between Transunion and XXXX on XXXX XXXX. I called a XXXX representative and they did not provide any help. I am extremely upset because this was not my fault that I had to do a forbearance because they did n't properly process the information the first time. Along, with I was not late on a payment. My credit score should not be affected for the errors that XXXX made.
Product: Debt collection

Today, XX/XX/2023, Harpeth Financial took everything out of my account and my son 's account WITHOUT notifying me!!! I have no idea who they are or even who they represent!
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account number XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 30 days since then. Please help
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated. Under 15 USC 1618b I never gave written consent for these. This is fraudulent behavior. PURSUANT to 15 USC 1681C-1 AND 15 USC 1681C-2 these are to be deleted from my consumer file.

They are also a violation of 15 USC 1681EB for maximum accuracy and 15 USC 1681S-2A1A for reporting willfully inaccurate information,. This is causing defamation of character to my public appearance and I will be taking this to litigation under 15 USC 1681n and 15 USC 1681o see attachments
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 Equifax 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 XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXXXXXX. 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 : Reason for Dispute : I made my payment on time, but due to a processing delay, it was not credited to my account until after the due date. I have included bank statements that confirm the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX I borrowed {$500.00}. I call today to find out my pay off amount and was told it is {$510.00}. 

I have been making weekly payments of {$65.00} and to date I have paid {$840.00}. They are now expecting me to pay another 27 payments. Which means when I am done paying I will have paid {$2800.00} on a {$500.00} loan. 

Account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a ( 30 ) day late on the XXXX XXXX partial account number XXXX. ( Please see page 4 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Company Inquiries : Company Inquiries 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 XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital one cancelled both my cards without telling me. I therefore lost rewards points. Only one card should of been canceled due to fraud purchase yet they did both without notification and I still have n't gotten my card or rather cards yet. I need them ASAP for travel and they wo n't even overnight them. It is rather funny how if I mess up I am charged fees etc yet they screw up and it 's well ok. Nice to be elite. I guess so.
Product: Vehicle loan or lease

I have fell behind on my car note the last few months after being diagnosed with XXXX and being XXXX  for almost 2 months. I have spoken with the finance company Santander Consumer because my car note is due on the 1st of the month and I absolutely cant make my payments on the 1st I have begged and pleaded with them to change my car note until the middle of the month but they constantly refuses and I will forever be behind on my car note. The interest rates are so high and I owe more on the car than its worth Im stuck in a situation and they will not offer any help they offered me a few extensions while I was XXXX  but thats it. I never received any information about the settlement when they were sued I shouldve received my title to my car because i qualified but I was over looked. I currently owe {$19000.00} on a XXXX  XXXX XXXX and my payments are {$470.00} a month they are getting over on a lot of people with the tactics they are doing. Ive spoken with managers and they still will not offer me any help with this car loan that Im stuck in. I have had this vehicle for almost 2yrs and if the give you and extension they add so many fees and high rates that you have to pay back Im just a huge lost right here with Santander Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 im in the process of buying a house and this credit report is defamation to my character and livelihood for this credit report be inaccurate. i noticed unauthorized inquiries on my credit report that i would like removed. According to the FCRA, these unverified and unauthorized items must be removed. XXXXXXXX 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 child sup has incorrect information on my credit report that also is causing damage to my livelihood. I've been denied careers and business opportunity due to inaccurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax compromised 143 million US consumers data. I went to check if I was one of them and to sign up for their protection services. Since I was indeed one of the 143 million. I did not realize that by accepting their terms of service I was opting out of possible class action suit against Equifax, See : XXXX XXXX XXXX " ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. '' How was I supposed to know that was written in, I was concerned about personal information being compromised and in a state of panic. I swiftly tried to do the right thing by following what Equifax recommended, and in doing so unknowingly gave up my small and seemingly only right to arbitration.
Product: Credit card or prepaid card

I have been unable to use my credit card since the last 2 days. 
I have been paying all my payments on time and have an excellent credit score. 

After talking to customer support twice, all they can tell me is it is restricted and I can not have an answer for the next 7-10 working days! 

I have been a customer of capital one for well over 5 years and a lot of my payments are deducted through this card. 

I am exasperated that not only have they restricted my account but are also unable to tell me why. I am planning on closing this account. 

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

Experian credit report i am XXXX and received a XXXX ( XXXX XXXX XXXX XXXX ) discharge of my federal student loans in XXXX. all of the loans on XXXX and XXXX are listed as paid and closed ; but there are a number of these same loans on my experian report that are listed as paid and closed, but there are also a number of them that have there status listed as UNKNOWN and are affecting my credit report. 

The loans are : 5 XXXX XXXX XXXX with the account numbers starting with XXXX 1 XXXX with the account number XXXX 11 XXXX with the account numbers starting with XXXX these loans were paid off along with the other school loans that are listed as paid by XXXX on my report. i would like them corrected to reflect the same information and status as the other loans
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, and XXXX are in violation of my consumer rights by reporting several charge offs that are over the amount of {$600.00}. These debts are now lawfully classified as Certificates of Indebtedness which makes this income to me. Income is to not be reported and is a violation of my privacy pursuant to the Privacy ACT of 1974. 

In its broadest sense, a 1099-C is an information tax return that banks, credit unions and other commercial lenders must provide debtors after an identifiable event causes the creditor to have to discharge an indebtedness of at least {$600.00}. The identifiable events that require a creditor to issue a 1099-C include any discharge, cancellation or extinguishment of a debt that occurs by reason of ( A ) bankruptcy ; ( B ) receivership, foreclosure, or similar proceeding ; ( C ) the expiration of the statute of limitations for collection of the debt ; ( D ) the election of foreclosure remedies by a creditor ; ( E ) pursuant to a probate or similar proceeding ; ( F ) a settlement for less than the full amount owed; or ( G ) the application of a defined policy of the creditor, to discontinue collection activity and discharge debt. See Tres. Reg. 1.6050P-1 ( b ) ( 2 ) ( i ).

Lenders that charge off a debt trigger issuance of the 1099-C when their defined policy leads the lender to discontinue collection activity and discharge a debt. A lenders defined policy includes both written policies and established business practices. See Tres. Reg. 1.6050P-1 ( b ) ( 2 ) ( iii ). An example of an established business practice includes discontinuing collection activity and abandoning debts upon expiration of a particular non-payment period. Id. 

They are unlawfully reporting the following accounts : XXXX XXXX- {$1500.00} - XXXX XXXX - {$6200.00} -XXXX XXXX XXXX- {$3400.00} All of these amounts are clearly over {$600.00}. 

Pursuant to the laws outlined in the FCRA XXXX, EQUIFAX, and XXXX are supposed to validate and verify that all information is 100 % correct before reporting any information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXXXXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

XX/XX/year>, I XXXX a vender an amount that was owed it was sent to the wrong person, I called Chase immediately it was said that I had to contact the person and request it to have the funds returned there was nothing they could do about It.
Product: Credit card or prepaid card

i tried to withdraw 2 transactions for XXXX and for XXXX and the ATM never dispensed any money and bank of america refuses to help me fix my issue
Product: Credit card

I had a Capital One credit card that I paid off in full. Despite this, they charged me {$8.00} in interest, which led to past-due fees being added. Now the balance is {$37.00}. This morning, XX/XX/XXXX, I received an alert about a past due report on my credit, and it turns out it's from Capital One. This is unfair and unethical. My account even had fraud on it, but I still paid it off in full. I cleared the entire balance of {$340.00} before the due date, months account. The account was paid off im sure it was and now this are you serious???