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

I sent experian a letter bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.XXXX  account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX account number XXXX was deleted from my XXXX credit report but not experian credit report how is that possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been made aware of recent hard inquiries on my Equifax and XXXX credit reports that I believe to be fraudulent. 

Equifax : Hard inquiries dated XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX, XXXX XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I have filed a report with Equifax and am awaiting the fraudulent inquiries to be stricken from my credit report. 

XXXX : Hard inquiries dated XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I attempted to file a report with XXXX, and am awaiting the fraudulent inquiries to be stricken from my credit report.
Product: Vehicle loan or lease

I had a lease car with Chrysler Capital. The car was stolen. I called to Chrysler to let them know. They said will send me payoff amount. I have received it. After this, once insurance claim was entered, Chrysler sent complete different payoff to MY insurance, which is higher even then the Cash Value of the vehicle. I do not mind my insurance pay them, as long they do not try to raise their payoff and get more money then it is actually worth it. Cash Value and Residual Value are much less then payoff amount company sent.
Product: Credit card or prepaid card

Beginning in XX/XX/2019 fraudulent purchases were made on a Paypal credit card in my name. The underwriting bank was Synchrony Bank -- I contacted them by phone to alert to fraud, they investigated and did not resolve. I submitted additional info by fax, I filed a police report, more phone calls, more investigations and still no resolution. I have since hired an attorney and sent Synchrony Bank a demand letter stating that 100 % of these charges are fraudulent and still no resolution. The current outstanding balance on this account is approximately {$11000.00} at this point, including late fees and interest charges.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account with XXXX XXXX XXXXXXXX ( Account # : XXXX ) Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my credit report related to my account with XXXX XXXX XXXX XXXX Account # : XXXX ). Despite my previous disputes dated XX/XX/XXXXXXXX XXXXXX/XX/XXXX, and XX/XX/XXXX, TransUnion has failed to correct the inaccurate information, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are obligated to investigate disputed information and ensure the accuracy of consumer credit reports. The failure to address these inaccuracies in my file violates this provision.

TILA Violations According to the Truth in Lending Act ( TILA ), creditors are required to provide accurate disclosures. The late payment reporting for XX/XX/XXXX and XX/XX/XXXX contradicts the provided payment history, where I made timely payments as evidenced by my bank statements. 
PAANL Violations The Protection Against Non-Payment of Obligations Act ( PAANL ) reinforces the necessity for accurate and timely statement disclosures, which has not been adhered to in this case. 
Discrepancies The following discrepancies have been identified : Date of Last Verified : Reported as XX/XX/XXXX, which is inconsistent with my account status. 
Date of Last Activity : Reported as XX/XX/XXXX, which does not align with my records indicating activity in XX/XX/XXXX. 
Late Payment Reporting : Incorrectly marked as 30 days late in XX/XX/XXXX and XX/XX/XXXX. 
Two-Year Payment History The reported payment history does not align with the actual records. The incorrect 30-day late notations for XX/XX/XXXX and XX/XX/XXXX must be corrected immediately. 
Desired Resolution I am formally requesting : Immediate removal of the late payment notations for XX/XX/XXXX and XX/XX/XXXX. 
Written confirmation of the corrections made to my credit report. 
If this matter is not resolved promptly, I will escalate my complaint to additional regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 
Enclosed, please find the supporting documentation, including bank statements and prior correspondence. I trust that you will address this matter with urgency. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a derogatory mark on my credit reports in XX/XX/XXXX from XXXX XXXX aka Resurgent Capital Services. The alleged account was opened in XX/XX/XXXX and is now being reported as collections all these years later. I never received written communication about this or the opportunity to validate or dispute this debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality UNDER 15 USC 1681. 
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, have all violated my rights, 15 U.S.C. 1681a ( 4 ) states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 A section 2 : states that a consumer reporting agency may not furnish an account without my written consent or intructions.

15 U.S.C. 1681a ( 5 ) Section 603 States, I must CONSENT to anything being reported to my credit report.

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

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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 collections on my account that dont belong to me. I enclosed the accounts as an attachement. I never had any of these accounts and this company says i must pay and I started to get threats. They called my family homes saying they were a private investigator. Its too much trama I lost my mother and grandmother to XXXX
Product: Checking or savings account

I disputed 9 unauthorized transaction on my debit card account 2xs. Both times the bank, Chime denied both disputes. A hacker/scammer took {$650.00} from my account with multiple transactions. I got contacted by email from XXXX  that a person named XXXX was trying to take {$590.00} from my XXXX. So I called the number on the email that said call this number if you do not know this seller. A man by the name XXXX said he was from XXXX security and will help me make sure that hackers dont steal my money. He had me download an app called XXXX on my phone and computer laptop. He then came onto my phone and computer and messed around with a lot of things saying he was securing my chime account. Then as I was on phone with him I noticed transactions coming from my account. He said it was the hackers and it was only pending so they could catch the hackers and that no money would really come out that it would go back onto my account. Then he started to delete things on my phone. Then he hung up on me. I called Chime and told them. They said that they will make note and I had to wait till money was not pending anymore. I am XXXX. Then when transactions went through I filed a dispute and 2 days later it was denied. Then I redisputed rhem and one day later it was denied. I donot want these people to get away with this the bank or scammers. I took out money the first day at a bank and they said I could not take anymore out till next day because I was over my limit. But the same day these scammers took the rest of my money out of my account and the bank allowed it. I have phone numbers and email screenshot of the first email I called from XXXX. Now the bank wont do anything to help me get my money back or catch these people. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address is XXXX XXXX XXXX # XXXX XXXX, Texas XXXX. On my credit report the apartment number previously is # XXXX. The owner XXXX XXXX IS THE OWNER OF BOTH PLACES. My email, everything is HACKED! These people are fraud XXXX. My criminal is incorrect I think there is IDENTITY THEFT. Cybor CRIMINALS. I was born in XXXX ... it has the year my social security number was issued in XXXX. XXXX XXXX is my mother and I think she is fraud she was born XXXX. XXXX XXXX was born XXXX ssn XXXX. He died died XX/XX/XXXX. Please help owner always wAnts a XXXX payment I live in XXXX XXXX XXXX I DRIVE XXXX XXXX XXXX license XXXX
Product: Money transfer, virtual currency, or money service

There is an account made with my information. I have not signed up for netspend. My information is XXXX XXXX XX/XX/1995 ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following inquiries : 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

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 Account Number:XXXX Account name : DEPT OF EDUCATION/XXXX Account Number:XXXX Account name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account name : XXXX  XXXX Bankruptcy Account Number: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, credit repair services, or other personal consumer reports

An account from XXXX XXXX XXXX Opened XX/XX/2019 have reported on my credit report for a debt collection. This account appeared out of thin air on my report as I did not receive any correspondence pertaining to this collection.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the repeated attempts to remove fraudulent items from my record, specifically pertaining to my several attempts to rectify this matter. Despite my consistent efforts and clear documentation provided to support my case, it appears that the issue remains unresolved. This ongoing negligence is causing undue stress and inconvenience, as I am forced to allocate valuable time and resources to address a matter that should have been resolved expediently. I urge you to prioritize this matter with the utmost urgency and diligence. It is imperative that the fraudulent items be promptly removed from my record to prevent any further harm. Additionally, I expect to be kept informed of the steps being taken to rectify this situation and seek compensation for the damages incurred as a result of this prolonged ordeal. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX CARD XXXX Balance : {$3300.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Experian responds that 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U>S>C> 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I was threatened that I would be sued for something I had no Acknowledgment of. someone stole my information I shouldnt be faulted for someone else doing they told me I would have to pay XXXX XXXX dollars but was later told that I would have to pay XXXX this was not me
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment entries on my credit report related to the following accounts : Account name : XXXX Account Number : XXXX I have identified several violations of the Fair Credit Reporting Act ( FCRA ) that pertain to these late payment entries : 1. Violation of 15 USC 1681a : These transactions and experiences should be excluded from my credit report as they involve interactions between the creditor and myself, and they should not be reported. 
2. Violation of 15 USC 1666B : The creditor did not send me a statement within 21 days of my payment, which constitutes a billing error. Consequently, reporting these payments as late is inaccurate and a violation of my rights. 
3. Violation of 15 USC 1681b : I have not given written permission for the reporting of these accounts to my consumer report. This is a violation of FCRA, which requires consent for such reporting. 

Furthermore, FCRA mandates maximum accuracy in a consumer report according to 15 USC 1681e ( b ). The late payment entries on my credit report do not accurately reflect my payment history.
Product: Payday loan, title loan, or personal loan

I had taken out a payday loan from speedy cash. Upon paying back the loan in person. The credit was never notated was sent to a collection agency
Product: Mortgage

My wife has our home currently financed thru Ocwen Loan Servicing, LLC. Since her mortgage loan was sold to them, they originally kept mis-crediting her payments, eventually causing her to redo her loan several times increasing her mortgage amount because of excessive fees they kept adding. Most recently, after almost losing our home, she refinanced again and began to pay the mortgage by having to pay her bank XXXX XXXX send payment by wire transfer so they could n't make excuses of not receiving payment. She gets paid twice a month and wanted Ocwen to change date due to XXXX of month. they refused, forcing her to pay on XXXX. after making her payment on or about XXXX of month, they report her to credit bureaus as paying late. She tried making an extra payment to have mortgage in advance. They kept sending extra payment to principal and not allow her to have her account in advance. She has tried to get other institutions to carry her loan, but ca n't because Ocwen keeps showing her late! She has made her monthly payments within the month for more than 24mo straight and still cant get anyone to help her! What Ocwen is doing has to be illegal. We have tried going to lawyers but all they do is take our money and nothing happens! please help! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX or XXXX XXXXXXXXXXXX or XXXXXXXXXXXX
Product: Debt collection

There is a XXXX  account that was opened in my name that I never applied for. It is now in collections. I have had the sane phone number sense I came here to the XXXX under my brother in laws name. Please help me remove this as I tried to reach out to the collection agency as well, but it has not been resolved yet. The amount is over {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ad Astra Recovery Service    XXXX   XXXX  2 013  Origional Creditor Name  XXXX    XXXX   XXXX    XXXX  I have contacted the recovery service to remove this incorrect information from my credit report there has been no changes. The account is stating that I owe {$810.00} to  XXXX   XXXX  which the name do no match up in the Account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I called XXXX XXXX to pay my balance off, in full, at approximately XXXX EST. I was connected to a customer service rep, named, XXXX. I informed, XXXX, that I wanted to pay off my balance in full, and close my account, because of XXXX 's deceptive, and dirty business tactics. After the conversation seemingly going around in circles, I asked, XXXX, to just give me the number that I needed to pay, in order to bring the balance to XXXX. XXXX, then informed me that I would need to pay {$740.00}, in order to pay off my account, in full. I then proceeded with paying that amount, and I was then given a confirmation # XXXX, after the payment was confirmed. I then asked, XXXX, too send me an email, showing that my account was paid in full. However, I was told that XXXX Customer Service Reps, don't have that ability to send external emails. After informing, XXXX, again, that I wanted to now close my account. And, we proceeded to do so. After confirming that the account was now closed, I told, XXXX, since I knew that the call was being recorded, I wanted her to confirm that my account was at a XXXX balance, and was now closed ; her response was, " yes ''. I informed, XXXX, that I will NEVER do business with XXXX again, because my credit rating was XXXX, before opening my three accounts with them. And, because of their deceptive and dirty business tactics, my score was at XXXX at the end of XXXX, even though I've never missed a payment on ANY of my accounts. 

So, fast forward to XX/XX/year>. I received an email from XXXX XXXX, showing that I have a {$24.00} payment due, on XX/XX/year>! 
I immediately called their customer service, and was connected to, XXXX. I informed, XXXX, that I had paid my account, in full, on XX/XX/year>. After looking into why I received that charge, XXXX, in formed me that it was an overlap, because I paid the balance off on XX/XX/XXXX, and the next billing statement came out on the XXXX. XXXX, then assured me that she would remove that charge, and I owe nothing. 

Now, fast forward to today. I checked my Experian account, and found that XXXX XXXX reported that my account was closed, with a balance of {$24.00}! You can't make this XXXX up, when it comes to XXXX! 

I paid my balance off in full, and closed my account, solely for the fact that I felt I had to do something, in order too mitigate the ongoing damage XXXX was doing to my credit score, because of their deceptive and dirty business tactics. And, yet ... .... here we are! 

People need to be aware that XXXX is a deceptive lender. And, they should be shut down by the government, because of the damage that they do to consumers.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Around XX/XX/17 XXXX investigated and deleted five errors from my credit report with them. To date they either have not or will not report these deleted items to the two other credit reporting as I believe is required by law under the FCRA.
I need to have these errors deleted from all three CRA, s as I intend to apply for a mortgage shortly Thank you