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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX ( Original XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This involves AMEX and using a credit card for charges not approved/authorized on my account. 

In XXXX XXXX XXXX I received a notification and call from AMEX about a late charge on my account. I was very confused as I had placed a freeze on this card years ago and frankly never used the card. 

Upon engaging with them to understand the charges, I was instructed to pay the amount and they would file an appeal to take off late charges. At that time, I said I don't remember making these charges on the card. I was not referred to fraud departments. Then, the transaction fees were not waived nor were any actions taken by the financial agency to resolve the issue. 

Now, I find my credit score has a large impact on it because they reported these late payments for unauthorized charges.
Product: Checking or savings account

I received 3 emails that Chime had opened an account and was ready to receive funds. When I called the company to report fraud they asked for my date of birth or social security number which I did not supply to them. They said they could not close any account unless I supplied them that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  & Equifax were sent a Identify Theft Report Dated XX/XX/2020. I have heard from their results in this matter. I sent them a copy of police report, copy of the items that were fraud. Very detailed list of the items listed in each bureau. Not sure what else to do other than to keep sending out letters explaining the circumstances. 

Equifax had a data breach that I was included but yet they still refuse to remove negative items that were listed as fraud from account. 
XXXX  too.
Product: Credit reporting or other personal consumer reports

When XXXX first happens, I lost my job and was unable to pay my creditors. I resorted to a company called XXXX who took over my credit card debt to settle them for 50 % or less and I've been paying a XXXX unfortunately it was not brought to my attention that it would make my credit card account go delinquent and it has suffered. My credit score tremendously, even though I'm paying every single month on time to XXXX it's still not reflecting as a positive thing on my credit report. I am a single mom of XXXX and I'm struggling to make ends meet with very little resources. I would appreciate it if these creditors could understand and do their best to help me settle or negotiate these debts to something that I can handle.
Product: Credit reporting or other personal consumer reports

Mr. Cooper experienced a data breach in late 2023. As a result, they suspended the ability to schedule payments. During this time, they had a notice that clearly stated that late payments would not incur penalties. 

Due to their website issues, the payment I scheduled was never drafted, and I had to schedule another payment. Despite Mr. Cooper 's promise, I was charged a late fee, and, worse, my otherwise-perfect credit history was tarnished with a late payment. This is causing me undue hardship as I am currently trying to apply for loans, and I have a very recent 30 day late which is making me appear less credit worthy. 

Mr. Cooper should honor their promise and fix my credit report. The late fee shouldn't have been charged either, but the credit report issue is causing me hardship. 

I have contacted Mr. Cooper about this directly and not received a response. I have disputed this late payment with XXXX and XXXX, but Mr. Cooper has verified the late payment as valid.
Product: Credit card or prepaid card

This institution illegally transferred an alleged credit debit to the following debt collecting agency XXXX and is inaccurately reporting negative information to my credit report. This is in direct violation of 15 USC 1692 ( d ) ( 4 ).

I demand immediate removal of this account ( XXXX ) from my credit report or I am entitled to monetary damages according to the aforementioned U.S. code.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was notified by my bank that a {$53000.00} line of credit was taken out under my name. I have called the collection agency along with XXXX, TransUnion, and XXXX to help resolve this fraudulent charge. There has been no resolution as I initially learned of this issue on XX/XX/XXXX and have seen been working to remove this from my credit report ever since.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against Experian for Non-Compliance with FCRA 605B and Failure to Address Fraudulent Items in My Credit Report To Whom It May Concern, I am filing this complaint due to Experian 's willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 605B, in relation to fraudulent items on my credit report that I have disputed. Experian has failed to remove these items despite being provided with comprehensive documentation, which includes my identity theft report, proof of address, government-issued identification, and additional documentation linking me to a data breach incident. 

Summary of Noncompliance and Violations : I first submitted a dispute to Experian, along with all required documentation, citing my rights under 605B of the FCRA, which clearly mandates that credit reporting agencies must block any information that resulted from identity theft within XXXX XXXX XXXX upon receipt of such notification. Experian 's failure to act not only violates 605B but also disregards the legislative intent behind the FCRA, which is designed to protect consumers from the severe consequences of fraudulent reporting and identity theft. 

Experian 's failure to act appears to be in direct contravention of the court 's stance in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where it was established that credit reporting agencies bear significant responsibility in ensuring accuracy and must adequately address disputes involving identity theft. By refusing to block these fraudulent entries on my report, Experian is knowingly and willfully neglecting this duty. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court underscored the consumer 's right to a fair investigation by credit reporting agencies. In failing to fulfill their legal obligations, Experian has also demonstrated non-compliance with the CFPB 's XXXX bulletin on credit reporting agencies ' responsibilities in the handling of identity theft complaints. 

Attached you will find proof of my previous attempts to dispute the fraudulent accounts on my consumer report with Experian, proof that I was a victim of the XXXX XXXX XXXX, Proof of ID, SSN, Proof of address, and the FTC Affidavit listing the fraudulent Kikoff Account.
Product: Credit card

On XX/XX/. I called discover and spoke to a customer service agent about going on a potential payment plan since I was a month behind because I'm a college student who works part time and has no extra money to pay off the outstanding debt. The agent then proceeded to put me on a {$68.00} dollar a month with lower APR for 12 months and issue a {$100.00} statement credit towards my balance to help get back to good standing again. The agent then proceeded to put me on hold while doing this and the system went down at around that time. I was also asked to schedule 3 automatic payments for the upcoming months to have the payment plan effective. After several months and paying what was required at the time, I recieved a letter stating my account is heading to default and missed 3 payments since XX/XX/. I have reached out on XX/XX/XXXX over the letter and the agent was rude and told me no payment plan was established and then proceeded to ask for the money and refused to talk to a supervisor. I then proceeded to call today, XX/XX/XXXX about this issue and I was told they can not because they are short staffed and very busy. I have asked for a supervisor but I was placed on hold and never heard anything back. They claim no record was shown and I have to pay them {$300.00} to get back in good standing but unfortunately I don't have that money to send them to get back on good standing. I'm a college student who used to discover to help pay for college and expenses for everyday needs as my job was reducing hours because of slow season and everything. I have been trying and I have been paying them with what the original agent has placed me on.
Product: Credit reporting

EQ - had confirmed by way of my previous disputes ( XXXX XXXX ) that a CLOSED or PAID/CLOSED Tradeline, can not and should NOT have an Activity Designator = NA. 



Although I have disputed " this '' item at least 5 times previously, I am simply reminded of willful noncompliance. 
Because EQ is attempting to take my complaints from the CFPB site, I offer the following - once again. 
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. There is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 
I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my rights. 
I do not, and am not disputing ownership of the Tradeline contained in this dispute. Assigning that as the issues, and then responding to this Dispute ( number XXXX ) simply adds to the number of attempts I have made, to have you EQ - resolve this item. 

XXXX - XXXX XXXX. This account is CLOSED. 
2. XXXX XXXX has NOT submitted a record update since this Tradelines Closure ( XX/XX/XXXX ) 3. The Tradeline has an Activity Designator of N/A, and can not - as it is closed and has been closed since XX/XX/XXXX. Please update the Activity Designator to PAID/CLOSED 4. This account then, lacks it TRUE pay history for the duration of time in which it was open, AND IS Inacurrate 5. This Tradeline then lacks its TRUE balance history for the duration of time in which it was open, AND IS Inaccurate 6. The " Months Reviewed '' is inaccurate, and then impossible based on the factual date open/date closed It remains incomplete, and inaccurate on my file for 10 years - Either Verify the entire Tradelines details and fix/update the record to be complete and with correct pay and balance history, or DELETE this incomplete and then inaccurate Tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the presence of fraudulent accounts on my credit report, as they do not belong to me and I have no knowledge of their existence. I am invoking my rights under USC 1681g and requesting that these accounts be removed from my credit report within 15 days.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received via mail a stall letter along with statements and a cardmember agreement from Avant Credit Card Services, and no proof that this account belongs to me. 

I previously requested debt validation and they have failed to provide debt validation within the 30 days, as requested and failed to remove the alleged debt. 

Avant furthermore, advised that they are unable to provide me with documentation of my signature for this account.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX my Equifax credit score was a XXXX. On XX/XX/2023 my XXXX XXXX XXXX card was reported to Equifax with a {$30.00} balance. Equifax dropped my score XXXX points which is absurd and has resulted in me getting denials, not to mention hard inquiries for their mistake. I have good credit and there is NO WAY my score should've dropped XXXX points. No way!
Product: Credit card

Credit card company believes I requested too many credits or opened accounts with them. 

This is untrue. I had a previous credit card because United had a promotional period. Once the promotional period ended that I satisfied the credit card long term hold to justify the bonus points on my account. I felt I had the ability to close this credit card for which I did. The credit card is closed. 

I opened a new credit which I am closing due to the promotional period is over with United which is the XXXX united card. I am transferring into a new credit card with chase and they should recognize my accounts only hold one open credit card and one checking account that might holds a debit card. This is not that many accounts and I think they denied only because I am opening accounts and utilizing promotional points correctly. 

They have wrongfully denied my credit card application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reason for my dispute due FRAUDULENT ACCOUNTS furnished to my account that here are some of the account I never had any business or contracts for business with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under I expect this collection account to be removed from my credit report. i HAVE FILE A COMPLAINT WITH CFPB AND THE LOCAL AUTHORITIES. I HAVE BEEN WAITING TO HEAR BACK FROM THE 3 CREDIT BUREAUS, I FILE EVERYTHING I WAS TOLD TO DO SO FAR WITH NO RESPONSE!
Product: Mortgage

I am very concerned about my current mortgage company PHH mortgage. I have been on the forebearance plan since XXXX of XXXX. XX/XX/XXXX I was given the option for the three month trial payment. I asked PHH if they can work with me on lowering my payment with a modification. It is now XX/XX/XXXX and they just turned me down. They told me they cant qualify me for a modification. I also got turned down by california mortgage relief, because my original loan amount was over the XXXX. I been trying to get help, but PHH has got me in circle. I call them every week, they ask me for my profit and loss statement, I will send all documents, than I would get a notice, that I had sent the wrong items, when I did exactly what the last customer service representative asked me to do. This has been going on for months and months now. I would get transferred to so many customer service representatives that were out of this country. I would hear roosters in the background to the point, the representative from PHH is asking for my acct number 10 times. Now, i am a bad position, because not only will they want me to pay them the XXXX to bring my payment up to date, they wont lower or work with me on my payment. the last representative I just talked to, told me " I better hurry up and make a decision, or foreclose or sell your house. '' PHH mortgage is not helping me at all. They recording saying " Helping homeowners is what we do '' that is not a valid statement. I have been paying this mortgage for 10 years on time. I just needed help. I had to deal with my moms death during covid, i am taking care of a son that has drug addiction issue, and a dad that has no foot, XXXX and I have too many responsiblities. i really feel that PHH had drawn out this process so they can foreclose on me on purpose. They have no sense of urgency to give me an answer. I finally get an answer of NO, sorry after months of trying to get help. I even told them, I could ask my dad to borrow money from his pension, but they never even mentioned, if maybe I can get help. I was under the impressions from XX/XX/XXXX that their intent was to let me keep the home, not to trick me into believing they wanted to help me. no help at all. Can you help me?
Product: Debt collection

On XX/XX/XXXX, I received a notice of garnishment from my employer. The conversation I had on XXXX was the first conversation I have had regarding this debt. I never had any knowledge that it was going to court. I called the number and was referred to Midland Funding. I spoke with a representative and was told that I owed {$3000.00} to XXXX for an account that was opened in XXXX. I asked why this has not shown up on my credit score and they responded with that there was a judgement and it wont show up. I do not have any paper evidence that this debt is mine. I believe that this debt is not mine and would like to know what next steps I can take to dispute this debt.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed inquiries that I did not approve to be inquired by the companies reported. I have contacted the credit reporting agencies to report that the inquiries where not authorized. however the inquiries still remain on my credit file. The inquiries in question that I have disputed and requested to be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024.
Product: Credit reporting or other personal consumer reports

I am writing to address persistent inaccuracies on my XXXX consumer report. The provided documentation proves my legal name as XXXX XXXX XXXX. Requesting the immediate removal of inaccurate names, outdated addresses, and incorrect employer information : XXXX XXXX XXXX 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 Only accurate details are : Full Name - XXXX XXXX XXXX, Mailing Address - XXXX XXXX XXXX, Phone - XXXX, Email - XXXX. Urgent attention and timely resolution requested. 

Thank you. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I attempted to speak with XXXX representatives from Barclaycard XXXX XXXX. I also requested escalation. I provided multiple forms of my identity to confirm that my account was closed so that no fraudulent activity occurs on an unused card. This company would not address my issue without my confidential social security numbers. There are multiple ways to confirm my identify of which I provided all. They did not confirm that the account was closed. This is unacceptable that they would not protect my identify by making certain this card was closed. No one was willing to assist me. This should be investigated as another credit card company was able to to do this by confirming my identify in a variety of other methods. Social security numbers must be protected especially when off shore operators are utilized.
Product: Credit reporting or other personal consumer reports

TO : EXPERIAN RE : NOTICE OF DISPUTE INACCURATE REPORTING SEE LETTER ATTACHED BELOW This inaccurate reporting is not only misleading but has a damaging impact on my XXXX XXXX by creating a false impression of my financial standing. 
FCRA Violation This is a clear violation of the FCRA, as outlined in 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.