23daVinci/CFPB_Complaints huggingface dataset:
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 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$540.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$54.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Why does a " charge off '' still show up on an account that was paid in full? The fact that I always paid this creditor, before using a debt solutions company, that was offered, through my main banking institution, as a free counseling service for customers who wanted to improve on their credit. I used the services of the debt solutions partner to clean up my credit, to pay my creditors timely, and to eventually raise my credit score. The fact that I paid the creditor in its entirety, and still have a negative " charge off '' is counter-intuitive! Also, what's the purpose of having companies that offer help with cleaning your credit, if it's still going to show a negative impact on your credit?
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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Balance : {$45.00} This account does not contain any late payments. Update these...
Product: Credit reporting or other personal consumer reports

XXXX XXXX The companies listed have requested that the accounts be removed from my credit report, but each reporting agency has not. I am requesting that they remove the accounts and block their accounts from my credit report today. 

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

Account Services entered into a contract with me agreeing to delete negative tradelines from all credit reports upon paying a past due balance of {$52.00}. I made the payment on XX/XX/2020. I received a letter via email on XX/XX/2020, confirming a deletion request was made to the credit bureaus. 

After 8 weeks, the negative tradeline had not been removed from my credit reports as promised. The negative tradelines still appear on my XXXX  and XXXX  reports until this day. 

The letter from Account Services states it would be removed between 4-6 weeks. It has now been more like 8 weeks. I have contacted both bureaus and have been informed that they only received an update to {$0.00} the balance, not delete the tradeline.

I have attempted to contact the Account Services via email to have this issue resolved and they have been unresponsive.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because [ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate they have not responded here is my tracking number : 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 XXXX XXXXccount Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or the 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 an 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 or 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

I have disputed this fradulent public record numerous times with the credit bureaus. Experian and XXXX  refuse to remove this incorrect information from my credit report, XXXX  has done so already after properly investigating and proving it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. i submitted my identity theft report to Equifax to have the information blocked according to the ftc that i have the right to do. I was not given a reason why they refused to block the information. Instead they keep disputing the information with the consumer and it comes back verified. I have been trying for months to get this issue resolved but to no avail. the accounts are XXXX XXXX XXXX and a XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not take the wrong stuff on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting.
Product: Vehicle loan or lease

I obtained an auto loan with Capital One Auto Finance in XX/XX/XXXX and I signed a contract for a four or five year loan. I am being told that my car will not be paid off until XX/XX/XXXX. That is a 10 year car loan. I never agreed to a 10 year car loan. I believe that Capital One is intentionally deceiving consumers with predatory lending and abusive car loan practices to include some or all of the following : 1. loan flipping 2. breach of contract 3. fraud 4. predatory lending 5. abusive car loan 6. bait and switch 7. equal credit opportunity act 8. truth in lending 9. discrimination 10. intentional deceptive practices
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Consumer Financial Protection Bureau Dear Gentlepersons, This is a complaint against XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX, Equifax XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX TN XXXX The companies that are listed above are reporting a collection account on my credit report that is erroneous. The listed original creditor is XXXX XXXX XXXX at XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX CA XXXX. I have informed the companies that I paid for services and found that the dentist, XXXX XXXX XXXX, charged my credit card for {$2000.00} even though she was paid by the insurance company for services. The erroneous collection account appeared on my credit reports after I filed a complaint against XXXX XXXX XXXX with the appropriate governmental agencies. 

I am asking for disciplinary action against the three companies listed above and immediate removal of the derogatory collection account on my credit record. 

Thank you in advance for a reply. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Capital One offered me a Settle For Less than the amount on my charged off account of {$390.00}. I fulfilled that amount on XX/XX/XXXX. However, I received a notification via XXXX that the company has reported my account as delinquent instead of settled for less than the amount. This is false information reporting and will present a strong adverse effect on my credit rating. This needs to be addressed and corrected immediately. I have also sent an email to the CEO regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point I don't know what to do anymore. I'm sitting here crying while typing this complaint. This is my second complaint, I was accuse of not being me? I've been going through this process way too long and I can't take it anymore. I'm in distress and I truly feel like I'm being taken advantage of and I feel like I am being ignored. In my first complaint XXXX responded saying I wasn't me I'm sick of going back in forth. Again, I submitted a dispute XX/XX/2020 and have yet to recieve any indication that my disputes are being investigated and I haven't received any results. In section 611 a it's stated that a failure to investigate the items I disputed within 30 days is a reason to remove those items from my credit report and it's now been over 40 days. I demand that these accounts be deleted immediately or I will be filing for litigation due to the stress you have caused me and my family.
Product: Student loan

On XX/XX/23 submitted an application to be placed on an income driven repayment plan. Was placed on one that was still not within my affordable budget. Now I have a larger payment than before and are placed back on the standard, level payment plan.
Product: Debt collection

XXXX CA XXXX I am writing this letter to notify CFPB of multiple violations of FDCPA guidelines during CITIbank Attempt to collect on my Home Depot Credit card and to request compensation for these multiple violations. 

I received 2 calls from citi on XX/XX/2023 2 calls on XX/XX/2023 2 calls XX/XX/2023 And 2 calls on XX/XX/2023 8 received 8 calls from citi within a 4 day time period. This is a violation of FDCPA frequency of calls. Which does not allow more than 7 attempts during a 7 day time period On XX/XX/2023 I received a call from Citibank collections at XXXX XXXX. At that time I was at work and declined the call. Citibank immediately called me back within the same minute at XXXX causing my phone to ring back to back while I was at work. This caused me distress and worry that I could be written up. 
This is a direct violation of FDCPA 806. Harassment or abuse 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
On XX/XX/XXXX I called Citibank back to discuss my account. I explained my current hardship and notified CITIbank that I was unable to give an expected date of payment. At that time I also notified Citibank of the previously listed violations and requested the follow FDCPA guidelines. 

XX/XX/XXXX XXXX XXXX  XXXX minute XXXX second call ( 6 days later ) I received another call from Citibank regarding my Home Depot credit card. 

This call was also a violation of fdcpa guidelines listed below and above by calling me before the 7 day time frame had passed. 
XX/XX/XXXX XXXX XXXX  XXXX min XXXX second call I received another call from citi regarding my Home Depot credit card. This call again was in violation of FDCPA guidelines as I had just spoken with citi 5 days before. I spoke with XXXX XXXX and XXXX  XXXX. During this call I reported to XXXX and XXXX the multiple fdcpa guideline violations. I let them know I had no issue with Citibank calling be as long as the followed fdcpa guidelines while doing so. 

XX/XX/XXXX. XXXX minute XXXX second call I received another call from Citibank in violation of FDCPA guidelines as I had just spoken with citi 3 days before and detailed the fact that I was unable to make payment at that time. 

XX/XX/XXXX I received a call from citi bank XXXX XXXX  XX/XX/XXXX I received a call from Citibank at XXXX XXXX  these back to back calls were declined Citi had denied these violations even though I provided them with phone records to prove it.
Product: Credit card

I've consistently made timely payments on this account, ensuring they are never overdue. However, I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX lowered than closed my checking plus line of credit. Supervisors and staff state due to derogatory information on my credit report. Three aspects. One is I have told numerous people at XXXX that I am part of a special program that is going to eliminate my debit. I got my free credit report. The report shows negative on certain credit card. However I do not due business with Experian, I have had a checking account with XXXX over thirty five years. The so called negative information on my credit report is not correct in context become I am part of a special program to eliminate my debt. The program takes time. I need to have my checking plus restored to a XXXX XXXX dollar limit as it was before. Thanks XXXX XXXX
Product: Checking or savings account

WELLS FARGO COMPROMISED MY BUSINESS CHECKING ACCOUNT BY SENDING ALL THE DOCUMENTS TO AN ANOTHER ADDRESS. I NEVER ASKED FOR AN ADDRESS CHANGE. BECAUSE OF THIS, I WAS NOT RECEIVING ANY OF THE LETTERS REGARDING MY DISPUTE RESOLUTIONS CLAIM. 

NOW WELLS FARGO WANTS TO REVERSE THE PROVISIONAL {$160.00} SINCE I DID NOT RESPOND IN TIME TO PROVIDE ADDITIONAL INFORMATION REGARDING THE CLAIM. MIND YOU, I ALREADY PROVIDED THEM MEDICAL DOCUMENTATION, A PRESCRIPTION, AND MEDICAL BILL FROM THE DOCTOR. NOTHING GOES ABOVE A PHYSICIANS LETTER WITH PROOF OF INJURY FROM A MERCHANT. WELLS FARGO IS THREATENING TO REMOVE THE {$160.00} ON XXXX, WHICH GIVES ME NO TIME AT ALL TO DO ANYTHING TO PREVENT THIS FROM HAPPENING. THEY NEVER ASKED FOR A POLICE REPORT AND ONLY A LETTER FROM THE DOCTOR OR ANOTHER MERCHANT I HAD TO PAY TO CORRECT MY PROBLEM. 

FURTHERMORE, I PROVIDED THEM WITH DOCUMENTS, PHOTOS, RECEIPTS ECT. MORE THAN ENOUGH TO PROVE MY CASE. WHEN I TOLD THEM MY ACCOUNT WAS COMPROMISED DUE TO THEIR ERROR, THEY TOLD ME THEY COULD NOT CLOSE IT DUE YO AN OPEN CLAIM. THE ONLY REASON THEY WANT TO KEEP IT OPEN IS TO TAKE OUT THE {$160.00} IN XXXX WHEN THEY CLOSE THE CLAIM. 

MOREOVER, THEY CHOSE THIS DATE ON PURPOSE RIGHT AFTER A HOLIDAY SO I COULD NOT GO TO THE BANK TO CLOSE MY ACCOUNT. ALSO MIND YOU I WAS NOT RECEIVING ANY OF THEIR LETTERS SINCE IT WAS GOING TO ANOTHER ADDRESS BECAUSE OF THEIR MISTAKE!!! NOW IM BEING PUNISHED FOR IT. 

LAST BUT NOT LEAST, SINCE THEY WANT TO REMOVE MY HARD EARNED {$160.00}, I AM GOING TO RETAIN LEGAL COUNSEL FOR COMPROMISING MY BUSINESS CHECKING ACCOUNT INFORMATION AND IDENTITY FOR CHANGING MY ADDRESS WITHOUT MY KNOWLEDGE. I AM GOING TO SUE AND FIGHT FOR MILLIONS IF DOLLARS. WELLS FARGO HAS MADE MY LIFE A LIVING XXXX!
Product: Credit card or prepaid card

In XXXX XXXX I went into the hospital for XXXX XXXX XXXX. I was in for 4-5 days.I got out of the hospital and within 2 weeks I collapsed with XXXX at a urgent care center. I was diagnosed with XXXX and was ambulanced to the local hospital. I was in emergency for 2 days and a room for 2 days. With all of this happening to me, my spouse also had contracted XXXX. When I came home on the XXXX of XXXX because of my XXXX about not being late on bills we contacted Discover card and paid the monthly payment of {$55.00}, what was due. The late fee was already in the system and was waved that day. Never missing a payment I was happy. When the bill came for XXXX I see that the {$30.00} late fee was added. A reminder, this payment was due XX/XX/XXXX and I paid XX/XX/XXXX, 3 days late. I called Discover and they told me that the charge had been removed and it would show the next month so I paid what was due, {$55.00}. All of a sudden when I contacted Discover because they had added {$30.00} each month which could never be explained. I have continued to pay {$55.00} each month and they Discover continue to charge a late fee each month on this {$30.00}. As a matter of fact I have chatted with them may times which they say is on record to get explanations. Through all of this I was tempted to cancel this account and the person got irritated with me, ask me if I wanted to cancel and when I did not answer, he cancelled without my knowledge. I was told by Discover that he had no right to do that, I had done nothing wrong but it is still canceled. In addition if you look at the chats you will see that there is another {$20.00} that's been charged for a long time that I was not aware of and they really can't say why. I have been a good customer and am up to date with payments but I will not pay something I do not owe. To date, they are continuing to charge a {$41.00} late fee, still have my account closed and have upped my interest rate since this issue started. There are numerious chats for the record that they have and tell me I can not get a copy of the chats. They have sent emails wanting me to call to assist me with this issue and when I contact them they say they can't assist until I accept the late fees and I will not. FYI, One of the MANAGERS told my wife that if we had not gotten XXXX this probably not have happened. When my wife asked he if she thought this was out fault she said, well you got sick. We are in our XXXX XXXX and this is horrible. I hope you can help. I continue to make my payment each month to this day an the {$41.00} late fees keep adding up. Thank you XXXX and XXXX XXXX
Product: Debt collection

I have filed a complaint against Collection Bureau of Fort Walton Beach with XXXX.

Collection Bureau of Fort Walton Beach acknowledges the inaccuracies in this balance, including unlawful charges, despite my repeated disputes of this erroneous account.

I am writing to highlight discrepancies in the charges reported by Collection Bureau of Fort Walton Beach on both my wife 's and my credit reports. Upon thorough review, we have identified several inconsistencies : - The reported amount on our credit reports was initially {$4000.00}, whereas the invoice indicates {$2900.00}.

- Collection Bureau of Fort Walton Beach informed XXXX  that the balance is now {$380000.00}.

- The {$3800.00} charge includes a charge of {$880.00} from The Original company ( The Crossings ) to pay for the work of the Debt Collector ( Collection Bureau of FWB ) - The invoice lists charges for three replaced doors, whereas evidence suggests only two were replaced.

- Charges were applied for labor and paint for both the exterior and entire interior of the apartment. 
- Unlawful charges were imposed for Eviction Filings ( XXXX ). 

XX/XX/XXXX, XXXX Additionally, during a conversation with my wife, XXXX XXXX a representative from Collection Bureau of Fort Walton Beach acknowledged their responsibility in providing information to credit bureaus on behalf of the engaging company. However, it is imperative to note that their duty extends solely to furnishing accurate information. Collection Bureau of Fort Walton Beach 's actions constitute a breach of 15 U.S. Code 1681s-2, which specifically governs furnishers of information to consumer reporting agencies.

It is crucial that Collection Bureau of Fort Walton Beach promptly rectifies these discrepancies and complies with legal standards in their debt collection practices.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX, citing systemic issues, including its failure to forward consumer-provided evidence to furnishers, acceptance of unreliable responses, and inadequate notification of dispute outcomes. 
These failures align with my own experience, where XXXX has failed to correct or remove disputed information, instead maintaining that the account is accurate without providing evidence of a thorough investigation. This practice directly violates the requirements of the FCRA, which mandates a reasonable and thorough review of disputes. 
Additionally, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). These violations are consistent with findings in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against similar credit reporting practices. 
I request that the CFPB take immediate action to ensure XXXX complies with federal law and provides consumers with documented proof of reasonable investigations, as required by the FCRA and CFPA. 
These are the accounts I want removed : Dept of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX