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

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Mortgage

This is in regard to a HELOC that should have been closed at closing of selling home. US Bank is charging me {$75.00} a year for an equity line of credit attached to a home I no longer own. I requested during closing of house and was told that it would automatically be closed since I do not own the own. I then took a statement of {$75.00} to XXXX XXXX XXXX, XXXX, US Bank and asked them to close the account. They said sure not a problem. 3 years later, I am trying to buy a new home and this is still showing on my credit and I now owe {$220.00}. I 've talked to the mortgage loan department and they say I owe, however I do not have access to this line of credit. I 've talked to the USBank XXXX branch again and they keep putting me off and that I will need to pay the {$220.00} in order to close the account. XXXX at XXXX branch acknowledges that I do not have access to this line of credit since I do not own the home. My complaint is to somehow help me get US Bank to close this line of credit attached to a home I do not own. USBank insist that I pay the fee of $ XXXX year even though I do not own the home of XXXX XXXX XXXX XXXX, XXXX, that the equity line of credit is attached. 
Thank you for your assistance in getting this matter resolved. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously made a complaint with CFPB and got the response back that it would be removed. This account is now on my credit report twice now. It 's dropping my score.
Product: Debt collection

This account was opened years ago and settled in XX/XX/2020. The account is still listed on my credit and when I dispute for removal they add more incorrect balance, date and payment etc. This account is affecting me getting a home for incorrect information. Please help. I disputed this with the original creditor and they told me the account was sold to Midland Credit and that is who I also settled the account with. I would like this account removed like the other ones I paid off with the same company. Midland Credit keeps saying it belongs to XXXX XXXX  and they replied saying it belongs to Midland Credit. I just would like the account removed because it has been paid and the info On my report is incorrect.
Product: Credit card or prepaid card

I have been disputing the charge of {$1000.00} ( order XXXX  XXXX, XXXX tracking XXXX ) since XX/XX/2018, i.e. 4 months. 

I received this package damaged, fixed with tape and no contents inside. 

I did not receive any response to my claim that I sent to both XXXX XXXX and the issuer of the credit card that I used to pay for the purchase, XXXX XXXX ( XXXX XXXX credit card. ) As initially I though that the missing contents was related to the carrier ( XXXX ) I filed a lawsuit against XXXX. As of XX/XX/2018 I obtained a judgment that ruled me go against the Seller of said product. 

Neither the seller, XXXX store, nor the XXXX XXXX XXXX  credit card issuer, XXXX XXXX, resolved the issue as of now.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 or other personal consumer reports

I am deeply dismayed by the recent credit report I received. The errors are egregious and have spiraled out of control. It's astonishing that governmental regulations permit such blatant mistakes that have such detrimental effects on individuals. If prompt and accurate action is not taken in response to this letter, I am fully prepared to hold you accountable for your poor reporting practices. 

I am baffled as to where you obtained the following accounts, as they have no place on my file. They must be promptly removed without delay. 

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

I am writing to detail the challenges I have faced regarding inaccuracies on my credit report due to the XXXX XXXX breach that compromised my personal information, specifically involving XXXX XXXX XXXX XXXX XXXXXXXX XXXX. My sensitive data was included in this breach, which has resulted in unauthorized access and the creation of fraudulent accounts under my name. Consequently, this has led to the reporting of inaccurate information on my credit file, including accounts I did not open and late payments that I did not incur. 

Since discovering that my information was part of this significant data breach, I have made numerous attempts to rectify the inaccuracies on my credit report. I have disputed this information with all three major credit reporting agenciesTransUnion, Experian, and XXXX supporting documentation and evidence to substantiate my claims. Despite my diligent efforts, I have encountered persistent challenges, and nothing has been done to resolve these inaccuracies. The erroneous information continues to adversely affect my credit score and financial standing, limiting my ability to secure loans and credit. 

Additionally, I am particularly concerned about the implications of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. This lawsuit highlights serious deficiencies in how Experian manages consumer disputes and verifies the accuracy of the information it reports. The findings of the CFPB resonate deeply with my experience, as they reveal a troubling pattern of negligence that many consumers face when trying to correct inaccuracies on their credit reports. This situation underscores the urgent need for credit reporting agencies to fulfill their responsibilities in ensuring that the information they report is accurate and fair. 

In light of these circumstances, I am seeking a resolution to have the inaccurate information related to the XXXX data breach removed from my credit report. The ongoing issues I have faced with XXXX, Experian, and XXXX demonstrate the systemic challenges consumers encounter in correcting errors, particularly in the aftermath of data breaches. I hope that by sharing my experience, I can not only work toward a resolution for myself but also contribute to a broader dialogue on the importance of consumer protection and accountability in the credit reporting industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO XXXX, XXXX, XXXX ETC.
Product: Credit reporting or other personal consumer reports

XXXX was charging me for a phone i never received and a phone line i cancelled and never used. they investigated and validated my claim. i was told i do not owe a balance as i never rendered service. my Equifax business credit report is still showing i owe and my account delinquent for multiple months. i need this information updated that i do not owe a balance and all delinquency and inaccurate information deleted and removed from my credit report/profile. this is all false and inaccurate information. 
the telephone number associated is XXXX ticket numbers are XXXX and XXXX account number XXXX order number XXXX tracking number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX and XXXX XXXX card holders for over 3 years combine. I have never been late until the last year XXXX, and the reason for my lateness are because I was laid off from work and I had no source of income. I had to use my Credit cards to survive and stay afloat, in the process I missed a payment or two. I payed both cards complete off. 

In XX/XX/XXXX I was still laid off and couldnt obtain any suitable job, and the worst was yet to happen. On XX/XX/XXXX I lose both my XXXX  and XXXX to XXXX and I use my credit cards again to pay for theyre funeral and in the process I was late again. I am asking please give me this one time good will adjustment I learned from my mistake Ive set up automatic payments with all creditors and been paying on time. The late payments are hindering me from getting approved for a mortgage loan and auto loan which I desperately since my lease is almost over and my vehicle broke down. Please I beg you to consider a late payment forgiveness towards my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I leased a brand new XXXX through XXXX credit company. In XX/XX/XXXXI paid my payment a little late and they applied it to the XX/XX/XXXXpayment early. The next payment I made was applied to the XX/XX/XXXX payment, the next to XX/XX/XXXX, etc. So basically my account ended up showing FIVE months late because they never applied my payments to that XX/XX/XXXX bill. I was NEVER notified that my account was showing anything but current. In XX/XX/XXXX the vehicle was totaled and paid off completely by insurance. We 've disputed this with them on several occasions and have been given the run-around every single time. Getting them on the phone is almost impossible and only one person ( out of the about 20 we 've spoken to ) spoke English, so it 's very hard to get anything done. They are a horrible company to work with and do n't care that they made a mistake and have made zero effort to fix it. XXXX and XXXX have removed it but it is still showing on Experian despite the fact that we 've disputed it several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I became a customer of XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX ; Missouri ( XXXX ). On XX/XX/XXXX, I filed a civil complaint with the XXXX District Court of Missouri located XXXX XXXX XXXX XXXX, XXXX   XXXX, MO XXXX, United States. Details of the complaint filed with the XXXX District Court of Missouri can be found by following this link : XXXX XXXX XXXXXXXX. When I filed a civil complaint with the XXXX District Court of Missouri, I proceeded in Forma Pauperis because of my inability to pay court proceedings. Representatives of the XXXX District Court of Missouri have afterwards requested for my financial records via postal mail they have sent to me. On XX/XX/XXXX ; I contacted XXXX XXXX  via e-mail and asked that they mail all financial records they have of me to the XXXX   District Court of Missouri. XXXX XXXX  have not responded to my request. I was previously also a customer of XXXX  XXXX XXXX. I created a checking account with XXXX  XXXX XXXX in the summer of XXXX. I was also a customer of Wells Fargo. I created an account with Wells Fargo in XXXX - XX/XX/XXXX. On XX/XX/XXXX ; I have filed bankruptcy with the Department of Justice ( Executive Office of the Trustee ).
Product: Credit reporting or other personal consumer reports

I never made a late payment. The representative that took my payment didnt speak english well and didnt understand that i wanted to change my checking account number to a new account number. When i called and made the payment i told the rep to process payment with my new account number but the rep used my old account to process payment. I had closed the old account so thats why my payment is late. i dont feel like its my fault, the rep didnt speak good english and didnt understand what i was trying to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed unauthorized inquires. I then faxed and mailed letters on XX/XX/XXXX disputing these unauthorized inquries. All credit bureaus responded with letters on XX/XX/XXXX, stating that all the inquires were accurate and verified, sending no proof that I authorized these inquries.
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN failed to comply with the FCRA by reinserting fraudulent Information from XXXX XXXX  on my credit report that was removed, and should have been blocked, after I filed an identity theft report with the FTC. I provided EXPERIAN with copies of all documents still the fraudulent XXXX XXXX  account has reappeared on my credit report. Because of the fraudulent account being reported I was denied access to credit
Product: Debt collection

This debt is in violation of ( Ind. Code 34-11-2-7 ). The date of the last payment was XX/XX/year>. This debt buyer is reporting to the credit Bureau as new debit.
Product: Credit reporting or other personal consumer reports

I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.
Product: Debt collection

XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : Your Client : XXXX Your Client Acct. No. : XXXX Chase Acct. No. : XXXX Disputed Amount : {$37.00} VIA FACSIMILE XXXX, CERTIFIED MAIl CERTIFIED MAIL CERTIFIED MAIl XXXX and US Mail and US Mail Chase Receivables XXXX XXXX XXXX CA XXXX Dear Debt Collector, I am writing in response to your dated XX/XX/XXXX ( copy enclosed ) because I do not believe that I owe what you say I owe and that it is my responsibility to pay. 

This is the first I 've heard from you, therefore, in accordance with Section 809, The Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe, please provide a copy of all itemized procedures performed and supplies used ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide me with authority or section of the contract between XXXX your client that I, the patient am responsible to pay for items not delivered. I did not receive any Medical Records. 
Provide a verification or copy of any judgment if applicable Identify the original creditor address Show me that you are licensed in my state, and provide me with your license numbers ; I also demand that you immediately send a copy of this dispute letter to the company that you say I owe money to so they are aware of my dispute with this debt and the reason I have not paid them because I have not received the Medical Records I asked for. 

Please hav your creditor XXXX proff of delivery of said Medical Records. 

I further demand that, if you have reported me to a credit-reporting agency, you inform them that I have placed the debt in dispute and provide me with proof that you have done so. 

Finally, stop contacting me about this or any other matter, except via mail, email and then only to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions such as pursuing court actions. 


Thank you, XXXX XXXX for XXXX XXXX Date : XX/XX/XXXX Reference USPS Certified Mail : The following is in response to your XX/XX/XXXX request for delivery information on your Certified Mail/RRE item number XXXX. The delivery record shows that this item was delivered on XX/XX/XXXX at XXXX in XXXX, CA XXXX. The scanned image of the recipient information is provided below. 
Signature of Recipient : Address of Recipient : Thank you for selecting the Postal Service for your mailing needs. 
If you require additional assistance, please contact your local Post Office or postal representative. 
Sincerely, United States Postal Service
Product: Credit card

On XXXX XXXX, 2024, a credit card from Capital One was opened using my name and social security number. I did not open this card, and called the company to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has manipulated my consumer statement took out sentences etc PLEASE SEE MY REGISTERED LETTER TO ALL XXXX this is example on how they operate PLEASE THIS WILL BE EXHIBIT F these many of many you have no clue the damages being done XXXX has demonstrated very poor and known fact they thrive on the income that companies pay to XXXX you to be able to extend credit at high interest rates as you will see I pay my bills that are mine and thought in question can XXXX no mater if its XXXX $
Product: Debt collection

This phone number calls me everyday but I dont have any debts with them. Its from the XXXX number. I just want them to stop calling me from now on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the companies in writing certified mail and have received no assistance, I am livid that nothing is being done no information nothing,
Product: Vehicle loan or lease

Ally Auto has violated the FDCPA and the Federal Truth in Lending Act and my Civil Rights. 

Ally Inc. committed unconscionable acts of discrimination toward me causing damages as it furnished information to credit bureaus stating I was 30 days late three months before my due date ( s ) matured. 


The initial alleged delinquency for XX/XX/XXXX payment was false and repeatedly brought to Ally Inc 's. attention. 

I contacted Ally Auto and disputed the information three times and Ally Inc. updated the information on average in a matter of 3-4 days reporting the same inaccurate information as accurate causing an endless cycle of disputes with the credit bureaus and itself also destroying my credit rating in the process. 


Ally representatives alleged the debt was based on a rolling balance from a missed payment from XX/XX/XXXX. Later an Ally Inc. customer representative named XXXX changed the alleged delinquency to XX/XX/XXXX after I provided proof of XX/XX/XXXX payment. 


I have asked Ally Inc. for a proof copy of the notification of debt it claimed I owed for XX/XX/XXXX. Ally Inc. has repeatedly failed to provide any documentation of proof of debt which is required under the FDCPA. 


Ally Inc. alleged it waived the late fees/rolling debt and that I was actually delinquent for XX/XX/XXXX. I contend that Ally Inc. not only is liable for reporting inaccurate information with knowledge of errors, but also I have proof Ally Inc. attempted multiple times to collect on the alleged debt while I was in dispute further violating my rights. Subsequently if I incurred a late payment between XX/XX/XXXX and XX/XX/XXXX it was solely due to Ally 's repeated attempt to collect on a debt that credit bureaus have now deemed inaccurate. 

Ally Inc charged me hidden fees and attempted to cause actual damages based on a non-contractual billing practice which XXXX called a Hierarchy Payment System. This billing system allows Ally Inc. without the consumers knowledge to attribute extra monies included with monthly payments to the principle and interest as it sees fit. Micro debt can then be allowed to mature and be reported as a MISSED CAR PAYMENT as Ally Auto can not report late fees to the credit-reporting agencies. I believe with a reasonable investigation it will be concluded that Ally is still engaging in unethical billing schemes. The CFPB should be very familiar with the information I am providing as it successfully helped other victims receive a settlement from Ally Inc. in a very similar situation through Allys Auto lease program. 

I have reported this information to the Arizona Attorney General Office and they have taken a particular interest in the evidence I submitted and I suspect I am not alone in this complaint.