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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having a bankruptcy on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 



XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I am filling a compliant against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours station the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Ive marked inaccurate : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft please block and delete all transactions
Product: Debt collection

This company has sent me a bill claiming I owe a debt. They posted the debt on my credit ( XXXX ).  The company never gave me 30 days to dispute prior to posting to my credit report. This is against the Fair Trade Act.

This debt from Hunter Warfield is not mines.

COLLECTIONS Hunter Warfield Inc Opened XX/XX/2016 {$4000.00} Original creditor : XXXX XXXX XXXX XXXX Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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 reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$21.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed out notices to the company and they disregard ignore and continue sending these fraud billing statements. notices sent on XXXX XXXX and XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inclusion of Income Information on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion for including income information on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is documentation of my previous inquiries request for Investigation and reinvestigation for the account XXXX XXXX XXXX XXXX it has been updated the pay status as charged-off which is considered income. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge-off is Income.

Upon reviewing my credit report I got from Transunion today XX/XX/year>, I noticed that income information has been reported. According to the FCRA, specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The Act does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the inclusion of income and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2020 I tried to temporarily lift a credit freeze from my Experian report. The website would not let me access this. I spent approximately two hours online and on the phone trying to get help for this. Online would not let me enter the website to do this. The customer service number is just an automated computer. It would not give me a person to talk to, and then it hung up on me. I looked up a phone number on the " XXXX XXXX XXXX XXXX  '' website. I finally got a person to talk to me. They said they were getting me a free membership so that I could sign into the website. I gave them all the information they asked for. Call center was in the XXXX and I had a hard time understanding the person. He said I would get an email in 5 to 10 minutes giving me access to the site and allowing me to select a password. I never got an email. On Saturday I went to the website again and put in my username. I got a screen that said I had to call a telephone number. When you call that number you get a computer who will not give you to a person and then hangs up on you. It is now Sunday and I have been given the runaround for 3 days now. Isn't it illegal to prevent me from accessing my security freeze?
Product: Checking or savings account

On XX/XX/21 I again contacted to resolve issues concerning my checking account debit transactions and my Account balance.I noticed that on XX/XX/21 my account statement indicated a balance of {$1000.00} on XX/XX/21 my account balance was down to $ XXXX.I do not believe that my account balance should drop to that degree in that span of time.I had made two disputes on debit card transactions. One with the online provider XXXX and another against XXXX XXXXXXXX XXXX XXXX with the intention of restoring my account in the face of businesses with bad intentions unjustly enriching themselves at my expense.I was expecting TD Bank to help me, not diminish my Account balance further.When I last spoke with a representative at TD bank they did not seem intent on accommodating me on maintaining my balance under the circumstances.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 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.

( CREDITOR NAME ) 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have satisfied the account with the following company for the Account Number # XXXX and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this time.
Product: Credit reporting or other personal consumer reports

The items below are inaccurate and violate the Fair Credit Reporting Act 15 USC 1681e ( b ). Additionally under 15 USC 1681b ( a ) ( 2 ) you have shared my confidential information without my permission, breaching my privacy rights as per 15 USC 1681 a 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 reporting or other personal consumer reports

I am filling this complaint indicating my dispute of information in my credit report. 
XXXX XXXX XXXX Balance Owed : {$73.00} XXXX XXXX XXXX Balance XXXX : {$90.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 601 states i have a right to privacy, 15 usc 1681 section 604a 2 also states a consumer reporting agency can not furnish an account without my written instructions, 15 usc section 1666b a creditor may not treat a payment on a credit card account under an open ended consumer plan as late for any purpose. My data was breached by the cfpb, experian, XXXX and XXXX.
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 USC 1681. 

Account Name : 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  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 card

Hi Swiss colony made my credit score go low I told them I was paying the XXXX XX/XX/XXXX they report me for now paying not fair I told them am struggling
Product: Debt collection

Today on XX/XX/XXXX I spoke with XXXX, supervisor, at Accelerated Financial Solutions. Her extension is XXXX. She advised she would have to reach out to another department to verify the account. This account charged off in XXXX and was placed back on my credit report within the last month. This is invalid. This account was bought by XXXX from XXXX. Not only are they doubling the amount owed, but reporting a recent charge off date of XX/XX/XXXX. This has impacted my credit tremendously. I never receive anything from this company in the mail, only the notice from the credit bureau via alert. This is very challenging especially in these times. Not only are they lying about the dollar amount, but they are lying about the charge off date. Also, they marked OK as status for XX/XX/XXXX through XX/XX/XXXX. This was an attempt to reactivate the account. They have no payment from me and definitely have no proof of payment. They did not even have the decency to advise me of the account purchase from XXXX. Very deceitful collection practices. Thankfully I keep all my past credit bureaus for instances such as this one. Please see attached credit reports reflecting deceitful collection practices and validating my statements. This account needs to be removed from all credit bureaus impacted. 
The company does not provide mailing address on site, but their website is https XXXX XXXX   Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the mental harm this has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Wells Fargo has either reported, or caused the report of, a code " D '' ( Default ) in the HUD CAIVRS ( Credit Alert Verification Reporting System ) against my social security number in relation to an FHA case that pertains to my ex-wife. I am in contract on a new home using a VA loan through XXXX and can not proceed with the loan ( current closing date of XXXX XXXX ) until this code is suppressed and converts to an " A '' ( Approved ).
Product: Debt collection

My wife is XXXX, we are new to this country. we had medical insurance XXXX, initially we have found a doctor XXXX had a visit a doctor XXXX XXXX. We got to know that the doctor XXXX XXXX is not in our network, after understanding of the insurance, we found a doctor XXXX XXXX who is in the network. XXXX XXXX office ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) has given appointment on XX/XX/XXXX we went to doctor 's office XXXX XXXX, office located in 3 floor, elevator was not functioning. After we visit doctor XXXX XXXX, she asked us to submit the previous ( XXXX XXXX ) medical documents, which we do not have at that time.She told us she could not give medical treatment with out having proper medical documents. She has done XXXX XXXX ( some very old equipment ) and XXXX XXXX XXXX and asked me to get the medical documents as soon as possible, since they have contacted Doctor XXXX XXXX 's office they did not get any response. Keeping all that in mind I found another doctor, and made phone calls and emails, I could not bring medical documents, hence asked to cancel next appointment and stop doing all further process if any. OnXX/XX/XXXX to my wife 's phone number, Collections agency made phone call and asking us to pay around {$1200.00}, we have not received any service except some XXXX XXXX that was not even clear. This seems to be annoying and bad, now the collection agency XXXX XXXX XXXX XXXX   threatening my wife to pay otherwise serious consequences. * I have all my email conversations as a proof.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am submitting this formal complaint regarding inaccurate late payments reported on my credit file maintained by XXXX, Experian, and XXXX for the XXXX account. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint Inaccurate Reporting : The late payment for XX/XX/XXXX reported by Experian is inaccurate. I have consistently made payments on time, as I have been enrolled in autopay for all my accounts.

Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments misrepresents my creditworthiness and violates my rights under 15 USC 1681s-2 ( a ), which mandates accurate reporting by furnishers of credit information.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The false reporting of late payments may also violate the FDCPA, which prohibits misrepresentation of account status.

Truth in Lending Act ( TILA ) : The inaccuracies in my credit file appear to be in violation of TILA, which mandates accurate credit information reporting.

Furthermore, the FCRA ( 15 USC 1681i and 1681s-2 ) requires credit reporting agencies and furnishers of information to correct inaccuracies promptly. Under FCRA sections 616 and 617 ( 15 USC 1681n and 1681o ), noncompliance subjects parties to civil liability for damages, including attorneys fees and punitive damages.

Evidence of the Error The attached credit reports from XXXX, Experian, and XXXX demonstrate conflicting and inaccurate reporting for the XXXX account : XXXX : Reports a 30-day late payment for XX/XX/XXXX, which is incorrect and unsupported by any payment records.

XXXX and Experian : While these bureaus do not list a 30-day late payment explicitly, their payment status fields incorrectly indicate " 30 days late, '' which is inconsistent with my actual payment history.

These discrepancies across all three credit bureaus misrepresent my account status and payment reliability. As I am enrolled in autopay for this account and have consistently made timely payments, these errors are unfounded and detrimental to my creditworthiness.

Requested Resolution I request that the CFPB investigate this matter and instruct XXXX, Experian, and XXXX to remove the inaccurate late payments from my credit report. I ask that my credit report be updated to reflect my accurate payment history of XXXX XXXX  on-time payments.

Please confirm the resolution of this matter in writing within 30 days. If the issue is not addressed, I may pursue further action to protect my rights as a consumer.

Thank you for your prompt attention to this matter.

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

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting or other personal consumer reports

In Accordance with the FAIR reporting Credit Act, The List of accounts below have violated my FEDERALLY PROTECTED CONSUMER Rights, To privacy and confidentiality under 15 USC 1681 ACCOUNT NAME : ( XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account NAME : ( XXXX XXXX Account # XXXX Account NAME : ( XXXX XXXX XXXX ACCOUNT # XXXX ALSO 15 USC 1681 section 602 A states I have the right to privacy Also 15 USC 1681/1681 section 604 A/section 2..States also a consumer reporting agency can not furnish a account without my instructions..

Also 15 USC 1681 CA5 section states no consumer report agency make any consumer report containing any of the following items of information other then records of Conviction of crimes which in to date report more than 5 to 7 years..

Also 15 USC 1681 S2A1 a person may not furnish any information related to any consumer reporting agency if the person knows or have any reason or cause to believe that the information is in accurate ( Delete IMMEDIATELY ) Sincerely XXXX XXXX P.S MY MOTHER JUST PASSED AWAY... 
IM ON A FIRST TIME Home BUYER PROGRAM, I HAVE XXXX GRANDKIDS, MY LIFE IS ON HOLD..
Product: Debt collection

i have a couple of accounts listed with your company XXXX for XXXX and another for XXXX that are fraudulent beggining with account number XXXX for both of these accounts they are resulting from my identity being stolen and i have tried everything to get these accounts removed from peoples files and my personal credit report being that they are truly fraudulent i have filed a police report and notarized affidavit as to the theft
Product: Debt collection

I have XXXX accounts that are showing up with this company that were a result of my id 's being stolen and are fraudulent they are reporting on my credit file and the companies records