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

Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Your Information : Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Fl XXXX Credit Reporting Agency Name Equifax XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Specifically, the charge-off listed undeXXXX XXXX XXXX XXXX is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. 
2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute.

I believe the charge-off is inaccurate for the following reason ( s ) : This information must be verified and evidence of the investigation sent.

I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report.

Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had recieved a call from a debt collector in regards to a piece of furniture I co- SIgned on for my roommate and I at the time. We had parted ways 3 months after purchasing it and the other party kept the couch. In XXXX, I reviewed my credit score and saw the account on the couch was closed and {$XXXX} balance. Now a debt collector called, did not say what company he is working for and said if I did not pay right now I would be sent to an attorney and sued. I tried making payment arrangements but he would not work with me, He said this company has tried reaching out to me so I asked him to tell me when the last couple of times they tried and he told me " I am not wasting my time pulling up that stuff '' After that, he went silent and kept asking when I can pay and telling me " I don ; t want this sent to an attorney because I have no idea how bad it was going to get '' He would not tell me what attorney and if I paid something today we could set up payment arrangements in the future which seemed fishy. After that, I tried to calm him down and see if he would work with me but everytime I questioned something he said he would become aggressive and start asking for a payment again.
Product: Debt collection

From XXXX to XXXX Ive been getting calls and bills for debts I dont owe
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report there is a closed account with missed payments. DISCOVER FINCL SVC LLC # XXXX Its not mine account. This account belongs to my ex wife. I no longer share finances with her, I want to ask XXXX  to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$13000.00}, XXXX XXXXXXXX XXXX Balance : {$400.00}
Product: Debt collection

My credit report includes incorrect accounts I didnt authorize. Remove them immediately.
Product: Debt collection

I had purchased concert tickets and then discovered that the website was unofficial. I then informed my previous bank of what had occurred, and they had filed it as creditable. After showing them proof that it was not fraud, I opted to delete my account with them, but they continue to send me paperwork that I owe them.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : In late XX/XX/XXXX I took out a {$10000.00} loan with SoFi. My due dates were the XXXX of each month. I ended up paying the loan off in just a few months, and even though all of my payments were on time, SoFi reported a " 30 DAYS PAST DUE '' comment in the Account Rating section of my credit report. However, the monthly reporting on my credit report shows NO late payments reported. 

I am in the process of trying to buy a home, and their erroneous reporting of those XXXX words has caused my credit scores to go down substantially and is putting me in jeopardy of not being approved for my loan. 

I have attached a screenshot from my credit report that they reported on-time payments for the duration of my loan, as well as the six monthly statements proving my credit history. Please make notation that on the XX/XX/XXXX statement there was an amount of {$530.00} in the " Scheduled Principal Payments '' section for the XX/XX/XXXX payment. SoFi had deducted two payments from my account in error. I contacted them and they admitted that the second payment was in fact their error, but that it could be applied to XX/XX/XXXX. Unbeknownst to me, they CANCELLED the auto-draft that was set up and did not tell me it had to be rescheduled. 

The XX/XX/XXXX statement indicates that payment was made on time, but because the auto-draft was cancelled the XX/XX/XXXX statement indicates a Past Due Amount. Rather than continue with the irregular reporting and constant errors, I paid off the loan completely and thought the matter had been closed. It wasn't until I had my reports pulled for my home loan that I noticed what they had done.
Product: Mortgage

My loan was transferred from Excelerate Capital to XXXX. Excelerate capital never made me aware of the transfer. Excelerate Capital said they sold the loan on XX/XX/XXXX but I was not made aware until I received XXXX XX/XX/XXXX statements, XXXX from Excelerate Capital and XXXX. Not only that, I have a statement from Excelerate Capital for XX/XX/XXXX which I paid on XX/XX/XXXX for {$1500.00}. If Excelerate Capital had sold my loan on XX/XX/XXXX why did I get a statement for XXXX and XXXX. XXXX sent me letters of delinquent payment but I was not aware that my loan had been sold, the fact that I had a statement from Excelerate Capital for XXXX and XXXX. I have been in daily contact with Excelerate Capital and XXXX since XX/XX/XXXX when I discovered the issue. The inability for these XXXX companies to process the transfer is astounding. Now it is past the 60 day protection and things still haven't been resolved.
Product: Money transfer, virtual currency, or money service

I am writing to fomally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepencies, my financial institution and Zelle failed to investigate my clainms adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 
The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offendeds to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
Product: Debt collection

XXXX recovery with this phone number XXXX XXXX of many of there numbers. Keeps calling and sending me mail attempting to collect depts that are over the statute of limitation and these debts where settled with the original creditor XXXX XXXX for a settlement amount and paid off. At XXXX point in XX/XX/XXXX or XX/XX/XXXX the went as fair as to try and take me to court for the outstanding debt where the attorney did not show up for court as the debt was paid and also the statue of limitation has expired on all these. They hold many account they are attempting to collect and all these debts are either paid or expired by statue of limitation in Michigan where i live. They are not on my credit report as last I check but will look at it again to make sure it is n't. This company is notorious for buying up large chunks of expired debt and them harassing, treating and even saying they have issued a warrant for arrest if the debt is n't paid. Personal I feel the XXXX fine which is all you can get if you sue them is n't enough of a deterrent to stop these barbaric and illegal collection practices. I want them to stop it 's been at least 7 to 8 years since I went to court to have this thrown out and I should n't have to screen my phone calls or get junk mail from them several times a day and even on Sundays ( phone calls ) If you need more information regarding which accounts I can look that up. Thank you
Product: Debt collection

This goes back years and there are many bad debt collection practices they have tried to use. In XX/XX/XXXX XXXX I was served a summons for debt. I did not know what this was for. I went to court on XXXX XXXX, XXXX. The judge advised I contact the debt collector BC Services to resolve the issue. I contacted them the same day. I was told this was for medical debt and had assumed it was from after I had given birth in XXXX XXXX. At this time I told them I was not working so I could not set up a payment plan as I had no income or money to give them. I asked multiple times if there would be a judgement against me they assured me there would not be. I asked if I needed to contact their lawyer to make sure there wouldn't be a judgement they told me no they would take care of it and that there would be no judgment against me. Then in XXXX XXXX I received notice there indeed was judgment. So they lied  to me. I called them immediately and asked them to fix this and they refused. I told them I would pay nothing since they were using false debt collection practices. Fast forward to XX/XX/XXXXXXXX XXXX my work notifies of a garnishment from them. They can't collect because at the time I'm making minimum wage. My boss wants to encourage me to make a payment plan so they can give me a raise. I'm still skeptical because this company has already lied to me before. My boss insists. I call BC Services and request more information on the debt because it has never been verified as mine and set up a payment plan so I would not garnished. Well all they ever sent me was an invoice type paper. Still did not verify the debt was mine. In XXXX XXXX I called again to get verification again and asked specifically for proof this debt is mine. Paper work with my signature showing I agreed to pay any bills for what they say is my debt. They were hostile on the phone and said well its your name. That doesn't prove it is my debt. They once again send me just an invoice type paper with no proof but they did prove it is not my debt. On the paper it says the account is for an XXXX XXXX. My name is not and has never been XXXX XXXX. So why they are trying to extort me for money for debt that is not mine but somehow has someone else 's name on the account. They have no proof the debt is mine and will not send any valid proof it is mine. Was I nave and set up a payment plan yes I was because they wouldn't work with me and provide the information to me. They had the upper hand though because they got a false judgment against which allowed them to garnish my wages if I did not make payments. It is illegal what they did and they are required to prove the debt is mine. Instead they sent me a paper that proves it is not mine.
Product: Credit card

Hello, I applied for the Amex XXXX XXXX XXXX credit card and was approved on XX/XX/2023. I signed up using a bonus offer through XXXX where the terms state one can " earn a {$200.00} statement credit after you spend {$2000.00} on the card within the first 6 months of card membership. '' I have attached a screenshot of the offer advertisement. 

I hit the threshold very quickly, as I had a couple of large purchases planned. I have included a screenshot ( with no personal information identifiable ) of my first statement that shows I hit the {$2000.00} threshold on XX/XX/XXXX. 

The promotion terms stated I could expect to receive my {$200.00} statement credit between 8 and 12 weeks after one hits that threshold, between XX/XX/XXXX and XX/XX/2023. After XX/XX/XXXX passed, I called and filed an Escalation Ticket ( ID : XXXX ). After several weeks passed without me receiving the {$200.00} credit, I called back on XX/XX/XXXX. They then told me the " deadline for resolving the ticket is today! So you should see it within a couple of days! '' It has now been over a week, and I do not want to keep calling them when clearly they aren't resolving anything. 

I have also attached a screenshot of the full list of statement credits and payments that have been made since I opened my account.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Please review the files that are attached.My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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 TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX FAILED TO FURISH 1099-C DENT CANCELLATION FOR MY TAX FILINGS ALONG WITH TCF BANK, XXXX  ETC..
Product: Checking or savings account

On XX/XX/20, I had someone wire money out of our XXXX XXXX account to a bank account at Chime Bank. I've opened a fraud case with XXXX XXXX, and also reached out to Chime to try and figure out what happened. They had someone open a checking account under my name and withdraw funds as soon as the wires come in. I've tried multiple times to get ahold of Chime 's Fraud department to discuss the situation, figure out how the account was opened in the first place without my knowledge, and then close the account, but I've been unable to get ahold of them. Every time I called customer service, they would respond with " Fraud department representative will get in touch with you in the next 24 hours '', but they never have.
Product: Student loan

The letters sent went to addresses that I no longer lived at. Both of these addresses had permanent forwarding addresses. 

This leads me to believe that these letters were never sent. I did not get proper notice before these loans went into default.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXXXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a non deliverable address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX This fraudulent, inaccurate, and false information consist of auto loan, credit cards, personal loans, car insurance, collections, and hard inquiries. 

Account Name : XXXX, Account # XXXX, Account Balance : {$10000.00} Account Name : XXXX XXXX XXXX Account # XXXX, Account Balance : {$2200.00} Account Name : XXXX, Account # XXXX, Account Balance : {$370.00} Account Name : XXXXXXXX XXXX, Account XXXX XXXX, Account Balance : XXXX Account Name : XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account XXXX XXXX XXXX Account Balance {$180.00} Hard Inquiry : XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, hard inquiries, and addresses are the result of identity theft and fraud. 

As per the guidance from Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block and delete this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).