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

I am filing a complaint against XXXX  XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions XXXX also contravene the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. I request that the CFPB take action to ensure XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 in 60 days 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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified
information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a certified dispute letter on XX/XX/2021 and it has been received on XX/XX/XXXX, XXXX has been more than 40 days with no response. A Letter regarding unauthorized inquiries on my credit report, but TransUnion failed to respond within the time frame allowed by FCRA, the are obligated to remove those inquiries. A certified dispute letter will be uploaded to the portal.
Product: Debt collection

COLLECTOR KEPT CALLING ME ON TWO CELLS 4 TIMES FOR XXXX XXXX CALLS FROM XXXX XXXX XXXX, I NOW hae 11 screens shots for both XXXX AND XXXX, SETTLE {$1500.00} PER CA ; LL OUT OF COURT.
Product: Vehicle loan or lease

In XX/XX/XXXX I applied for a loan with Trustmark Bank using my XXXX XXXX XXXX super duty truck. I own this truck with a clear title in hand. It was value at XXXX dollars. I was using it for debt consolidation. I was denied. I also had others assets I wanted to use but still got denied. I feel I have been discriminated against.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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 consists of a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in a couple of fraudulent accounts appearing on my consumer FICO credit report. I've attached documents with the accounts in question maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts on my credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts 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 are the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the below listed inaccurate and misleading information in order to show my true credit history. By the provisions of 15 USC section 168 1 of the Fair Credit Reporting Act of 1970. I demand that the following items be deleted from my record. 

1. Creditor Account : XXXX XXXX XXXX # XXXX Comment : I have no knowledge of this item and have previously written to the agency to send proof and to date, I have received nothing. 
2. and 3. Creditor Account : CREDIT CONTROL CORP # XXXX - {$110.00} and {$310.00} Comment : I have no knowledge of this item and have previously written to the agency to send proof and to date, I have received nothing. 
4. Creditor Account : XXXX XXXX XXXX # XXXX Comment : I have paid this account off in full and was told that it would be removed. To date it still is not. Please remove immediately. 

Under federal law, you have 30 days from receipt of this letter to verify these entries. It should be understood that failure to do so within a thirty-day period constitutes reason to totally delete the information from my file, FORA 15 USC s1681i ( 5 ) ( A ). Also, pursuant to USC s16811 ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address below. According to the provisions of 15 USC sections 1681j, there should be no charge for this notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've written 4 disputes regarding hard inquiries being on my report that I did not recognize and were furnished falsely without my prior written consent.
Product: Payday loan, title loan, or personal loan

We paid our loan in full in XXXX of XXXX  and can not get a copy of the title for our boat and trailer. We have asked numerous times. 
Keybank even sent a notarized letter to the XXXX of our state of Indiana saying it was paid but we need the title! 
The XXXX can not accept a letter. 
Please assist.
Product: Checking or savings account

On XX/XX/2018 my employer made a real-time transfer through XXXX of {$600.00} into my personal checking account at XXXX XXXX. XXXX XXXX did not credit the deposit until the next day ( XX/XX/2018 ). It caused my account to be overdrawn and checks returned unpaid. They charged me {$72.00} in overdraft fees. Their response was that any deposits made after XXXX XXXX would not be honored until the next day ... .even cash. This is outrageous! The transfer is in REAL-TIME as if it were cash. This is fraud!
Product: Credit reporting or other personal consumer reports

I have noticed that an account that does not belong to me is being mixed with my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage servicer started accepting payments in XX/XX/XXXX after requiring that I restructure my loan.I was only 2.5 month behind in XX/XX/XXXX but they refused to accept any payments once I got back on my feet and drug the whole process out until XXXX. 

Even though I have presented them with proof from their own website that all of my payments since XX/XX/XXXX have been on time they did not correct the reporting error on my credit report. I was even told by a staff member that it should be corrected but after numerous phone calls ( most of which were recorded ) and a very detailed letter accompanied by supporting documents they have not corrected this obvious error. 

Where as I have been current since XX/XX/XXXX my reports show that I did not make a payment until XX/XX/XXXX. 

I can prove my claim with bank statements and a printout from the servicer 's own site.
Product: Debt or credit management

XXXX U.S. Code 1 - Trusts, etc., in restraint of trade illegal ; penalty Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the severalStates, or with foreign nations, is declared to be illegal. This makes the reporting of the account in question inaccurate.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries remain on my consumer report despite documented identity theft claims. These fraudulent entries have caused direct financial harm, including loan denials. I have filed reports with the FTC ( documentation attached ) confirming my identity theft victim status.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I go on my credit report and see there is no debt to speak of whatsoever. My total debt is only XXXX account for a little over {$500.00} that I didn't even make. I disputed this but I feel if it dropped off my score would probably go down instead of up. This score is holding me back from being able to achieve any kind of a new vehicle or a home! Because of this I can't build good credit at all. When I apply for credit they even hold that against me. I feel someone with XXXX debt should have a great score and mine just keeps going down! This is a very unjust process and needs to be reviewed and corrected! Someone has to see my point of view is correct and help me so that I am given the opportunities to move up in my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts have been reported inaccurately and I request that they be removed from my credit report XXXX XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX Collection Account I have carefully reviewed my credit report and have found that these items are not accurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. 

Furthermore, I would like to draw your attention to the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt XXXX from using abusive or harassing tactics when attempting to collect a debt. The collection practices of these companies have caused me undue stress and XXXX 

I request that these items be removed from my credit report as soon as possible. If the items are not removed within the legally required timeframe, I will be forced to take legal action to ensure that my rights under the FCRA and FDCPA are protected. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Dispute of Debt under 15 U.S. Code 1692g Dear CFPB I am writing to formally dispute the validity of the debt referenced in your communication received on [ insert date of communication ]. Under the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692g, I request verification of this debt. 
Please provide me with the following information : The original creditor 's name and address. 
The amount of the debt. 
A detailed statement verifying that I am obligated to pay this debt. 
Copies of any documents that substantiate your claim. 

I request that you cease all collection activities until this debt has been validated. Please note that if you do not provide the requested information, I expect you to cease contacting me regarding this debt. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX XX/XX/XXXX Account Name : XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) Account Number : XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I received a letter dated   XXXX   XXXX  , from Kohl 's denying my request for a credit line increase on an account that I had not used in at least three years.When contacted, Kohl 's checked the data and clarified that the credit was sought by someone other than me who was using my social security number, address, and Kohl 's account number, to apply for additional credit. After contacting Kohl 's on receipt of the letter on   XXXX   XXXX  , I called  XXXX  to effect a credit freeze. I then got another letter from Kohl 's on   XXXX   XXXX   also stating my request for more credit was denied - again. I contacted them and a service representative and I discussed the matter at length ; the pertinent information matched except for our email addresses. I was told the individual was apprehended when trying to use the card at a store. I also just received a newly issued card, with the same account number, and when prompted by Kohl 's automatic billing system to provide my SS number, a balance of {$800.00} plus was reported with over {$500.00} overdrawn on the account. Again, an extensive phone conversation revealed that an individual had opened the account in PA, where I do not frequent, had ordered merchandise online, which was picked up at a store in  XXXX , CA, on   XXXX   XXXX  . An associate became suspicious and notified authorities at this point. Kohl 's videotapes all transactions so this is also key evidence. A fraud case was opened with Kohl 's, too : #  XXXX .
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record.

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaing against the credit bureau Equifax based on the recent security incident that was reported on XXXX XXXX 2017, yet occurred months earlier in XX/XX/XXXX.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Money transfer, virtual currency, or money service

Goodafternoon. 
I was in Pennsylvania stuck XXXX weeks. In there and on the XXXX of XXXX somebody went in my CD and stole {$5000.00} from my Bank. Then on XX/XX/year>, I Zelle this guy {$800.00} dollars trying to get home by plane. Nobody else wouldn't help me get back home. So I Zelle this guy and took my money and now I have money. The reason I had did so because no credit card nor debit was not being in my possession. My money was stolen from me twice I need help and my money put back in my account. They stole my Identity and my money. I finally made it back home but still don't have my money. 
Best, XXXX
Product: Debt collection

On  XXXX   XXXX  the  Weinberg Mediation group left a message with my social security number, my birthday, and a false docket number on my parents voicemail. They stated that I needed to call to resolve a debt. I called the court to which they said this docket number existed and they said that is not their docket number. When I called the Weinberg mediation group myself to see what this was about they were threatening and even went as far to tell me they were lawyers and they know people in my county ca n't pay their bills. They also told me I have children and should be ashamed of myself. When I told them what information I found about what they are that they are not lawyers they told me they were glad I could read and used vulgar language. They call 4-5 times a day to my phone and my parents phone  leaving threatening messages. When I asked them to send me something in the mail they said they did n't have to.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appears on my credit report, even after your investigation. I would like these accounts immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business of each Individual with whom you verified the above, so that I may follow up. please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY! 


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