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

Complaint Against : XXXX XXXX Equifax Subject : Discrepancies in Account Reporting and Failure to Provide Verification of XXXX XXXX XXXX Account I am filing a formal dispute regarding the reporting of an account by XXXX, XXXX, and Equifax. I have been disputing this account since XX/XX/2024, but the information continues to be inaccurately reported as verified by all three credit reporting agencies. The account in question is with XXXX XXXX XXXX, with the original creditor being XXXX XXXX and the account number is XXXX. 

Specifically, I am asserting that the credit reporting agencies have violated several provisions of the Fair Credit Reporting Act ( FCRA ), which protects my rights as a consumer to ensure the accuracy and completeness of information reported on my credit report.

Failure to Provide Verification Evidence : Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), when a consumer disputes an item on their credit report, the credit reporting agency is required to conduct a reasonable investigation and ensure that the information is accurate and verifiable. This includes obtaining and reviewing all relevant information provided by both the consumer and the furnisher of the information. However, the credit bureaus have not provided any hard evidence or documentation showing how they verified the account with the furnisher, in violation of the FCRA. This lack of transparency and failure to demonstrate proper investigation constitutes a violation of the law. 

Discrepancies in Reporting Balances : Additionally, there are significant discrepancies in the reported balances across the three credit bureaus : XXXX reports a balance of {$1500.00}. 
XXXX reports a balance of {$1500.00}. 
Equifax reports a balance of {$1500.00}. 
These discrepancies further indicate that the account has not been accurately verified and raises concerns about the reliability of the information being reported. The FCRA ( Section 607 ) mandates that information reported to credit bureaus must be accurate and complete. These inconsistent balances suggest non-compliance with this provision. 

Given these issues, I am requesting that this account be deleted from my credit report as it fails to meet the accuracy and verification standards required by the FCRA. The failure to provide clear evidence of verification, coupled with discrepancies in the reported balance, points to a lack of compliance with both the reasonable investigation and accuracy requirements under the FCRA. 

As a consumer, I am fully aware of my rights under the FCRA, and I understand that if a credit reporting agency fails to demonstrate proper verification procedures, I have the right to challenge the accuracy of the report and seek appropriate remedies, including the deletion of inaccurate information.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

Midland Credit Management. 

On XX/XX/2023, I sent a cease and desist contact letter. I receive calls every day from this company. There are no delinquent account on any of my credit reports. The company does not leave messages, nor do they send anything in writing. Its been over two months and they continue to call me almost daily despite the written cease and desist letter mailed on XX/XX/2023. 

I have blocked no less than a dozen numbers all registered to Midland Credit Management. I have no idea how many different phone numbers they have, but every time I block one, they call from a different one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to NAVIENT. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because its holding me back from getting approved for a car .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these issue on : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, an unknown person used my identity that stole to open up a credit card with Barclays Bank, a JetBlue Plus Credit Card. That same day, around XXXX XXXX, that individual used that credit card to make multiple round trip airline purchases between the XXXX XXXX XXXX airports and XXXX XXXX with JetBlue using my identity on back-to-back-to-back days. I did not authorize these purchases, nor would I be able to make these trips. The person also bought trip insurance. An hour later that person cancelled all three flight purchases and pocketed the money from the transactions. I separately called and cancelled the trip insurance. I have attempted since XXXX XXXX XXXX to report this credit card as a fraudulent account opened using my stolen identity. Barclays doesnt believe this was identity theft because the information used to open the credit card account matched my personal information. But that is exactly how identity theft works. The person steals your information, copies your persona, and then acts as you online making purchases you would never authorize, seeking quick refunds. and pocketing the money to pursue fraud elsewhere. I need Barclays Bank to resolve this because this is hurting my credit score, and Im not paying back thousands of dollars in purchases I never made.
Product: Debt collection

They keep calling to resolve a debt. They call daily on my cell phone and then my house number or vice versa. I was going to pay the debt monthly by payments but I feel harassed and I don't have the extra money at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes for inaccurate information on my Experian report. For the past several years Experian has sent me generic letters stating they have confirmed this information. 

About 6 Months ago, I spoke to Experian and they recommended I contact XXXX and get a letter stating that this information is incorrect. I did and sent it to Experian in early XXXX. 

Again, I received a standard response, " this information is accurate ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX bankruptcy in XXXX of 2017. The courts were automatically taking payments out of my payroll checks ( bi-weekly ). For some reason in XXXX of 2017, the courts dismissed my case. My creditors came after me for payment and I settled with most of them. 

My complaint is that I would like for the negative public record to be removed from my credit report. 

The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Can you please check in to this and provide me with an update? Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it XXXX have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted Experian, XXXX and XXXX about XXXX XXXX reporting on my credit report. i did contact the companies in which they did not and would not provide me with any validation of the debt they claim i owed. I am also aware that the company and credit bureaus have not been complaint with XXXX, and that my rights have been violated under XXXX. 
Additionally i am allowed under XXXX XXXX TO PROTECT MY PRIVACY AND MEDICAL RECORDS FROM THIRD PARTIES! I did not give XXXX XXXX XXXX permission to release my medical information to a third party! I am aware that XXXX does allow limited information about me but anything more is to be revealed with my authorization as a patient. 
After contacting Experian, the company stated the medical debt has been verified but i did not recieve -A VALIDATION OF DATE and XXXX AUTHORIZATIONS -DID NOT RECIEVE ANY BREAK DOWN OF FEES AND CHARGES, INCLUDING ANY COLLECTION AND MEDICAL COST. 
- DID NOT RECIEVE A COPY OF MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY MEDICAL INFORMATION TO THESE COMPANIES
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical debt from my husband was placed on my credit report. Our insurance delayed payment and the debt was sent to collections. Our insurance finally paid but the deductibles and copayments remained in collections ( amount owed updated on credit report ). We worked with  Consumer Collection Management Inc. to  pay off the medical debt. I received a letter from them on  XXXX / XXXX /   2016  that all medical debt was paid and that it would be removed from my credit report.  XXXX  accounts remain on my   XXXX   report and are being reported as " open. '' I have disputed the items and also contacted the company however I have not received a resolution.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b )
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by transunion. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( 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 will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is XXXX XXXX XXXX XXXX
Product: Debt collection

As of XX/XX/2020 the amount I owe of {$4200.00}. 

In the year of XXXX, I needed XXXX work done. I went faithful too dentist but when covid hit hard for 4 months. I didn't have the funds to complete the last step. Which was getting my XXXX XXXX I have paid {$15000.00} w/insurance or more on getting this procedure done with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
I am financially in debt of $ XXXX. 
I paid all my dentist bill at each time of my appointments. But this balance owed of {$4200.00} was for my final XXXX XXXX that was schedule in the time of covid but didn't have the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX BANK Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XXXX XXXX. XXXX XXXX  Account # N/A ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX  Account # N/A ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Account # N/A ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX My contract was cancelled I never agreed to pay a third party aka collection agencies I had insurance on my items which I reported to original company was destroyed and in some one else 's possession I could not be around court ordered. My damage waiver should have covered damaged items. I couldn't return also owner of store said she sold contract out of her hands which is a breach in the contract it is backed by a bank so it should have been charged off as loss or covered by insurance. I have no contract with collection agency who just told me over the phone today they have given the account to there attorney but the original creditor states they no longer have anything to do with my account also the prices and the way the reporting on my account Is wrong I had one account with XXXX XXXX XXXX XXXX but the collection agency reports it as two and they only have one contract that doesn't say I have to pay them and I was willing to so I can fix my credit report but they refused to remove account only report them as XXXX.
Product: Credit card

Name : XXXX XXXX XXXX XXXX : XXXXSSN : XXXXThis is in regards to a Chase Credit/Bank Account. The last payment on the account was XXXX/XXXX/2009. The account went delinquent and was charged off. XXXX XXXX XXXX, XXXX filed a Civil Suit and won a default judgement of {$1900.00}. During a debtors examination I agreed to pay {$1500.00} in XXXX installments. At this time, I told the lawyer performing the debtors exam that the statute of limitations had expired on the debt and he said, " that is neither here, nor there ... you owe the judgement that was awarded, but I will accept your {$1500.00} and that will be that ''. While on the CFPB website, I discovered that Chase Bank was not supposed to be collecting on my account - or so it seems given the time frame. Not only had the statute of limitations expired, but according to CFPB Consent Order File No. XXXX - Chase was not supposed to be collecting on this at all. Chase will not verify whether or not my account was included in this consent order, the lawyer for XXXX XXXX XXXX, XXXX did not believe me, and my own state 's attorney general 's office just told me to contact CFPB.
Product: Checking or savings account

I have a issues with my MT BANK business account, the bank are holdings my money and that im not able to withdrawl any of my money, or do any kind types of transactions on my account, The bank says the purposes for this hold is to verifying my identity and in order to remove this hold or alart I would need to verify my identity, I did uploads all the documentation to help processing the verification and even go to the branch in person couples time already but they are not helping any bit. and they have been holding my money for almost a month! AND THEY TOLD ME THAT THE BANK ARE NOT ALLOW WITHDRAWL ANY FUND FOR ME BECAUSE MY ACCOUNT ARE NEWLY OPENED JUST A MONTH
Product: Debt collection

I am not liable for the alleged debt. A statement by the consumer that the information is n ot information relating to any transaction by the consumer. I DO NOT CONSENT.! I DID NOT GIVE AUTHORITY.! We have no idea what your talking about. We have no idea of what your stating. We never signed a contract with none of these company 's. this is a form of deception and violation against the fair business practice act and its deceptive and unfair. it is also a misrepresentation. Can they validate the debt? Keep in mind the statement is insufficient to prove a debt account to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I have always paid my CapitalOne XXXX bill on time and in full. For some reason my payment due XXXX XXXX set up via electronic transfer was posted a day late by Capital One. I called Customer Service, spoke to XXXX XX/XX/23 and was told the late fee & interest would be removed from my account. I asked if future interest would accrue & was told that if it did I should simply call & it would be removed. Got my bill due XX/XX/XXXX and, after having paid my XXXX bill in full, received a {$13.00} interest charge. I again called Customer Service to explain that I was told to call if any interest appeared -- and was told the agent couldn't do anything about it. I asked for a Supervisor and was transferred to XXXX. He told me he could remove the charges, but I had to pay the amount of the bill plus the interest charge. I told him that was not what I was told and that I shouldn't have to pay the interest charges. Further, I explained that if they were going to use predatory practices, I would simply cancel the account. He hung up on me. I then called Customer Service again, explained what had transpired, and told them I was going to pay for all my purchases now & wanted my account closed. They refused to do that unless I agreed to their terms which would require me to pay interest until I paid my bill plus accrued interest. I tried to pay my bill on line and it would not let me pay the full amount of my total purchases to date. Thus they continue to lie & steal. They should value the customers who pay in full & not use deception to increase their bottom line. Again, I would like to pay the {$850.00} I actually owe for purchases & cancel my account. I do not need XXXX 's credit card. There are too many legitimate credit card options out there.
Product: Credit card or prepaid card

We made interest free credit card loan arrangements with Lowes for period of 2 years. Our Agreement had started the day we agreed on the amount of {$9100.00}, moreover their project got delayed for 6 months. Now without considering their delay time frame they have sent us accumulated interest of amount {$4800.00}, which is more than 50 % of my purchase. 
I signed my contract with Lowes dated XXXX to build backyard fence as an requirement to run a XXXX XXXX. As per contract they were suppose to start Fence work on XX/XX/2019, but they started the work after about six months later. Moreover Covid-19 started. Unfortunately due to COVID-19 lockdown I was unable to generate any income out of it. Despite of financial difficulties we payed most of our principal except for amount {$1500.00}. Which is now fully paid as well. We have multiple times contacted them through phone calls and sent them letters requesting to waive off the accumulated interest charge but in vain. We received no alerts from them and also they did not consider their delayed time frame. We got suddenly hit by their Interest despite making timely month to month payments. 
Please to the needful at your earliest
Product: Mortgage

In XXXX XXXX, XXXX XXXX filed a mortgage foreclosure action in the Circuit Court of XXXX County, Florida. XXXX sold the Note and Mortgage to Nationstar Mortgage , LLC. XX/XX/XXXX, It was negotiated that I give XXXX a Deed in Lieu of Foreclosure. See attached. The deed was never recorded in the Public Records. Litigation went on in the case. In XX/XX/XXXX, Nationstar Mortgage , LLC and I entered into an agreement that Nationstar acknowledged that a Deed in Lieu was given in XX/XX/XXXX and that they would pay me {$7500.00} upon a XXXX being sent to them, Nationstar would record the Deed and give information to the XXXX credit bureaus that a Deed was given in XX/XX/XXXX. Nationstar did pay me, they did dismiss the suit in XXXX County, Florida but they never recorded the Deed nor did they sent information to the XXXX credit bureaus that this account had been satisfied. I desire that Nationstar Mortgage LLC own up to its part of the agreement by recording the Deed and send information to the XXXX credit bureaus that this account has been satisfied.