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

I'm missing my complete on-time payment HISTORY FOR THE LAST 6 YEARS ON THIS ACOCUNT! 


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

On XX/XX/year> I have written to the company advising them of that under the FCRA XXXX U.S.C. 1681 et seq., TBOM/Aspire is required to furnish accurate information to credit reporting agencies. Under section 623 ( a ) ( 2 ) of the FCRA TBOM/Aspire is violating the law. The account was closed in XXXX  and updated amounts are being posted to my consumer reports including today. If the account was closed why do I have 30,60, 90 and 120 days late payments posted to my credit reports. See my annexed correspondence
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXXFurthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Credit card or prepaid card

I owe about XXXX on my Best Buy ( citi bank ) card. When promos ended, my bill doubled and so did interest. When I saw the bill, I called and I tried to get them to lower the interest rate and guy said cant do I told him I am having financial hardship and said cant do anything. They keep sending me letters telling me to call to see what offer they make instead of telling what kind offer they are making in the letters. I am still having financial hardship and I am also having medical issues. So I cant pay the bill. Now they are making threats to send to collections.
Product: Credit reporting or other personal consumer reports

I definitely disagree with the account listed below which still appears on my my credit report, definitely after your investigation. The investigation could not have been properly done. I would like this account re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I applied for a Barclays US credit card in order to transfer the balance from another card. In the application I requested that {$14000.00} be transferred from an XXXX card. I was aware that I would be charged a {$290.00} fee. On XX/XX/2018 I received an email from Barclays about my newly approved card and 3 ways to take advantage of it. No statement was attached to the email. The third link said Transfer a Balance and as I was unaware that my XXXX   balance had already been transferred ( again no statement was provided ) I looked up the current balance on my XXXX card and requested the balance of {$13000.00} be transferred. When I finally got my statement I saw that Barclays had made a balance transfer 2 times leaving me with an overpayment on my XXXX card. I called Barclays customer service on XX/XX/XXXX and asked that the 2nd payment to XXXX be reversed. The agent told me that would take 2 weeks and suggested I ask XXXX to deposit the overpayment back into my XXXX checking account which I could then use to pay off the additional charge on the Barclays account. XXXX did this for me the next day. When I checked my Barclays account I saw that my payment had been received but Barclays was now charging me a second balance transfer fee of {$260.00}. When I called Barclays I was told an investigation would be open and I would receive a determination in 7-10 days. It has now been 30 days and Ive received no response. Ive called once a week and have been told the investigation is pending. No one has ever called or emailed me to investigate the case. Please note : when Barclays paid my XXXX card balance off twice they put my new Barclays card almost {$15000.00} over the limit. Why would they allow my new card to go over its limit? Why would I request a payoff of over {$29000.00} on the XXXX card when the balance was under {$14000.00}? In addition to being charged an erroneous fee of {$260.00} due to their error, Ive also been unable to use the card because its so high over the limit. Please help me - every time I call Im told Ill receive a response in 7-10 days.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

After applying for a Mortgage, my Lender and I noticed late Payments on paytomorrow account. I filed over XXXX disputes with XXXX  from approx XX/XX/XXXX thru XX/XX/scrub> 2024. Each time coming back as being reported accurately. And No Change to Credit Report. Finally got a XXXX XXXX to provide me with a letter stating the account as being reported by XXXX was not reflective of the information they have on file and actually account was never late and paid in full early.
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX i was a Victim of Identity Theft i am having a problem with Equifax With a Fraudulent Account from Collection i Never Open any Account with XXXX XXXX XXXX with a Balance {$200.00} XXXX contacted Equifax and Made A Dispute for this Account and Equifax Denied the Dispute and the Information was not remove from my Credit Report and i Contacted Equifax Today XX/XX/2021 and Open a new Dispute this account does not belong to me and is Fraudulent and i never lived at XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX also this address is Fraudulent Showing on My Equifax Report and also this Account Was Disputed with XXXX and it was Already Remove so i dont understand why Equifax Denied the Dispute investigation for this Fraud Account From This Collection Agency Coming From XXXX  i Never had any Account Open with this Company neither.
Product: Debt collection

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 I have the right to privacy. Under 15 USC 1604 Section 2 a consumer can not report a personal financial account without my approval. 15 USC 1666B a credit agency can not report my account as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

15 USC 6508 I have the right to opt out and that they have reported information and transactional history to XXXX XXXX and XXXX XXXX Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.

Thank you for your time and help in this matter.
Product: Debt collection

I had to have XXXX  XXXX in XXXX of 2019. It was something completely unexpected and unplanned for. Afterward I had a mountain of bills from the hospital, all the separate doctors and the one in question is from the XXXX  I was regulary paying what I could afford each month to everyone who sent me a bill, up until XXXX when I lost my job due to COVID-19. I stopped receiving bills from the XXXX for some reason and therefore lost track of who I was supposed to pay and when. I had too many bills to keep track of and too much going on with COVID-19 and trying to find a new job that if someone didn't send me a bill, I didn't know I was supposed to be paying. I did not receive any notice prior to finding out by seeing it on my credit report that I had been turned over to collections. No one tried to call me as far as I know because I had to have the service shut off on my phone because I couldn't afford it. But I received no emails or notices in the mail regarding this collection or anything stating that I had the right to dispute or negotiate this debt. If I had, I would have been more than willing to work out a payment plan with this company. I have reached out the company several times to try to reconcile this debt but they have not responded to me at all. This collection has ruined my credit rating. My FICO score when from over XXXX down to XXXX. This seems very harsh and unfair in light of the fact that I have not had anything negative on my credit report prior to this, I have never made a payment late in my entire life and I worked very hard to maintain an excellent credit score. It also seems very unfair that this was turned over to collections in the middle of a pandemic when so many people were out of work and struggling to make ends meet. Most companies had payment extensions in place and were forgiving about late payments. I need to negotiate this debt because it is more than I can afford given my current financial situation and I need this collection removed from my credit report because it is completely unfair and not a true reflection of my credit worthiness. I have been more than willing to work something out this whole time, it is through no fault of my own that this company has been so unwilling to communicate and work with me on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I mailed in and disputed online XX/XX/2023 with XXXX, Equifax. and XXXX to reinvestigate the following account : Account name : XXXX. Account # : XXXX. 

However, they stated everything was complete and updated. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed this account with the collection agency, XXXX XXXX XXXX, Equifax and XXXX. However, this account remains on my report as being accurate. However no one can provide proof of this debt, EOBs from insurance companies, bills, etc. I have been insured on a constant basis and I should not EVER have a medical bill with a balance this large. I get ZERO cooperation from the credit reporting agency. I do not believe I owe this collection account of {$860.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 told the XXXX, XXXX, and Exquifax to reinvestigate these account.

15 U.S.C 1681 section 602a : I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a Consumer Reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) 5 section : No Consumer Reorting Agency may make any consumer report containing any of the following item of information any other adverse item in information other then 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 of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX  XXXX Bankruptcy Federal Reference # XXXX XXXX  XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$290.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX A XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX  XXXX BALANCED {$130.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Reported a Account to the credit bureau stating an account was opened up on XX/XX/XXXX. This is a secured card I never opened with a balance of {$4900.00} I didnt open this card. The first time I called regarding this matter I was told the account would be removed. It never was. Then I contacted them more than 5 times. Most recently in XX/XX/XXXX. I provided all detail I could pricing I never opened the account. The account cant even be opened unless a person is a military spouse or military member. I am neither. I wasnt even living in the state where the card was mailed. Its fraudulent and USAA. Refused to help and constantly lies. They have never requested documents from me. I filed a police report and a complaint with FTC regarding fraud. When I call USAA you cant speak directly with the fraud department I have to always speak to a Customer Service Specialist and I have to repeat the same complaint over and over. They wont remove it from my credit report or dispute the transactions that were made by whoever opened the card.
Product: Credit reporting or other personal consumer reports

The inquiries listed on my credit report when I made by me I provided dates of this information with previous request to remove these inquiries off my account as requested I am resubmitting the same information with more accurate dates so that they can be removed properly thank you
Product: Credit card or prepaid card

Due to my financial situation in   XXXX   XXXX  , I agreed to put my  American Express acco unt on a payment plan in the amount of approx. {$2600.00}. At that time, I understood that I will be unable to use the card however it  XXXX  be reinstated after the payment plan period. I agree to have  American Express  automatically debit my account month. On   XXXX   XXXX   XXXX  , I received a letter from  American Express  notifying me that that account was sent to a collections agency. I never received a letter or notice that the payment plan was expiring and what next steps were.  American Express  did send Account Snapshots with the balance and other information but nothing in those communications ( last on  XX/XX/XXXX  ) notifying me the account was sent to a collections agency. The amount in collections in approx. {$440.00}. I spent approximatel y 90 minu tes on the phone with various  American Express  departments only being told that it was system generated and could have been prevented had I paid past due amounts - I told them how can the account be past due as I was making payments on a regularly scheduled basis. What really concerns me tha t American Express  would be willing to send to a collections that last amount and the supposed failure to pay a past due amount of {$40.00} after an agreed payment plan paying back {$2000.00}. They refuse to reverse their decision. I have been an American Express cardmember since  XXXX  paying as agreed but having only one time an issue in repayment I felt that they treated me with a disregard in terms of the over 20 year period of excellent credit to make such an awful decision.
Product: Credit reporting or other personal consumer reports

I am writing to report inaccuracies in my credit report that I discovered after an in-depth investigation. These inaccuracies are significantly affecting my credit score and causing me considerable stress.