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

I submitted a dispute for a 30 day late payment that was inaccurate from XXXX and the 3 credit bureaus. This bank failed to send me billing statements from XX/XX/2021 to XX/XX/2021 even after I canceled the elections statement XXXX from the Branch mananger talked to me and assured me i would get my statements watch did not happen. I received a call saying my payment did not go through due to an error from on their website for XX/XX/2021, I was told because of their error i would not get a late payment or a late free. I have never had a late payment with this bank and had perfect history. Once again I did not receive a billing statement on XXXX or XXXX so I call in and paid off the whole balance because they keep having issues with sending me billing statement and issue with their website. I was applying for a Loan In XXXX and was information they put a late payment on me when it was their error they did not comply with FTCTA Act where they are required to notify me the insertion of a negative listing .They did no such thing. ( FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described In section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( 1 ) ( I ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative Information to a consumer reporting agency described In section 603 ( p ).

( II ) Coordination with new account disclosures. If the notice Is provided to the customer prior to furn I sh Ing the negative Information to a consumer-reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth In Lending Act. The Bank did no such thing. I also have not head back from dispute from XXXX and ignoring my dispute all documents enclosed
Product: Checking or savings account

this account was opened by someone i dont know, My drivers license and social security card was stolen from my vehicle. I have reported this to the social security administration. and a new social security card has been issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with a doctors office, which I had been paying on for awhile. It went to collection and I paid the doctors office off actually a few dollars over the amount owed. It went on my credit report anyway, so I disputed it which was very hard because you can not contact the 3 agencies, so I mailed the dispute certified mail which they received and still no changes and the {$56.00} dollars is still on there even though it has been paid off
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 

XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to report a SERIOUS violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Equifax. On XX/XX/XXXX, I mailed Equifax a certified dispute letter regarding some derogatory accounts reported by XXXX ending # XXXX, XXXX XXXX, XXXX XXXX, and XXXX. In this letter, I specifically requested that Equifax provide the method of verification for this account. I also asked that if they could not provide this information, they must remove the derogatory entries as required by the FCRA. Despite my clear request, I logged into my Equifax profile today XXXXto see that the investigation was completed XX/XX/XXXX, but I couldnt see the results, nor was I emailed or mailed the results or the method of verification information I requested! Equifax failed to provide the method of verification, as required under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). They did not disclose the procedures used to determine the accuracy of the information or identify who exactly provided this verification, which is a direct violation of the FCRA. Per the FCRA, Equifax is obligated to provide this information upon request. Specifically, Section 611 mandates that if a consumer disputes the accuracy of information and requests the method of verification, the credit reporting agency must furnish the procedure used to verify the information, including the name, address, and contact information of the furnisher. Equifax has blatantly ignored this legal requirement. Given Equifaxs non-compliance and refusal to provide the requested documentation, I am formally requesting that the derogatory information related to these accounts be immediately deleted from my credit report. Euifaxs refusal to provide the necessary information regarding the verification process means that they have failed to meet their obligations under the law. I request that the CFPB take swift action to investigate this matter, hold Equifax accountable, and ensure that these accounts are deleted from my credit report as they have not been properly verified. Please update me on the steps you will take to resolve this dispute promptly.
Product: Money transfer, virtual currency, or money service

PayPal suddenly closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and reported to Experian, XXXX and XXXX XXXX and they will not remove the fraudulent activity
Product: Debt collection

I received a phone message from a Guy named XXXX at XXXX ext XXXX. They only thing he said is that he had information on where I worked and to give him a call. When I called to speak to him today in regards to what it was for, he did not verify any information with me. He could n't verify it by caller ID because I called from my place of employment. He only asked me for my name and that was it. He did not mini Miranda me and did not tell me that it was an attempt to collect a debt. He then disclosed my ex-husband name to me, the name of the original creditor, and the amount that was owed. He did not verify by ssn, address, dob, phone number nothing that it was truly me he was talking to. It could have been anybody calling in stating my name and he just disclosed all that information to me without truly knowing who I was. I offered {$50.00} per month until my wages that are currently being garnished is paid off then I could start paying more. XXXX refused to try to work with me and made the comment that this conversation was going nowhere and hung up on me. Did n't give me an opportunity to try to offer a different amount or anything. After he hung up on me, he immediately turned my file over to the legal department so then when I called to talk to his supervisor, he was n't willing to work with me either. It really disturbs me that XXXX disclosed that much information to me without verifying who I was and hung up on me before I could try to get something worked out.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off Inquiries In Dispute : XXXX XXXX XXXX  Date XXXX XXXX XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX  Date of inquiry XX/XX/XXXX
Product: Debt collection

I am writing in response to your debt validation letter dated XX/XX/XXXX, regarding the alleged debt associated with account number XXXX. I formally dispute this debt in its entirety and request immediate cessation of all collection activities until proper validation is provided, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

My dispute arises from concerns regarding identity theft and a data breach that compromised my personal financial information. Due to this security breach, I believe that this alleged debt is fraudulent and does not belong to me. Case law and regulatory actions affirm that debts arising from identity theft can not be lawfully collected without thorough investigation and verification. See, e.g., In re XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ), which highlights the liabilities arising from data leaks and their impact on financial transactions. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute any fraudulent accounts resulting from identity theft. FTC XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), reinforces that inaccurate or misleading data collection practices are considered unfair and deceptive trade practices. 

Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), confirms that misrepresentations related to debt validation can constitute FDCPA violations. If your agency obtained this debt from a compromised data source or an identity thief, continuing collection efforts without verifying the legitimacy of the debt could constitute an unfair practice under 15 U.S.C. 1692e. 

Given these concerns, I demand : A full forensic audit of the data source used for validation. 

Proof that the data has not been compromised by any known breach or identity theft incident. 

Immediate cessation of all collection efforts until proper validation is provided.

Confirmation that this disputed debt will not be reported to any credit bureau pending resolution.

Removal of any fraudulent accounts from my credit report pursuant to 15 U.S.C. 1681c-2.

Failure to comply with these requests may result in legal action, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please provide the requested validation and respond to this dispute within 30 days of receipt of this letter. I expect written confirmation of your compliance and a clear explanation of your validation process. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : XXXX. Unknown third parties gained access to my financial login credentials. 
XXXX. My automatic payment settings were altered without my knowledge. 
XXXX. This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated.

The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : XXXX. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference. 
XXXX. A written confirmation verifying that these late payments have been removed. 
XXXX. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unresolved issue concerning late payment account on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 


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

In XX/XX/2021 XXXX/XXXX XXXX sent me a 1099C deeming the account settled in full, I have made several attempts since XX/XX/2021 to settle and pay this account. XXXX XXXX has continued to refuse my payments, the balance on this account must be brought to a XXXX  balance. A 1099C satisfies this debt and must be reported accordingly. I have started disputes with XXXX XXXX, XXXX, Equifax separately and to no avail. XXXX  is the only bureau to report this correctly after the dispute. XXXX, Equifax and XXXX are still reporting the account to be {$7300.00} past due in XX/XX/2021.
Product: Checking or savings account

This is shocking, I had just filed a complaint because my funds were released contrary to the title of the account you have forwarded the complaint and this bizzare shocker. I made a new savings account in my name and the bank manager Gave me the Bank account card on my new savings account. I took that card in my wallet and informed social security and XXXX XXXX. Shocker XXXX XXXX told me that those account numbers were no mine and a fraud. I checked, those numbers on the card did not match the code .I went to the bank, the manager could not explain that fraud bank card is evidence,. I reported the matter as a police complaint, and it seems the manager has been fired?? at least I did not see here there again. I closed my account and have gone to another banmk. This is very serious XXXX other banks are shocked to see it the evidence which is with the police. This is BMO Harris XXXX XXXX branch at XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I went to Experian online to obtain three reports from all three reporting bureaus for {$39.00} as advertised. I did not want to obtain a free report from Experian or receive other Information from any of their companies. A few years ago I had an account with Experian and did not try to log in because I had not renewed my account. So, I preceded to include information personal to me, and went through credit card information for the purchase and was told an error occurred and was told to call in. I decided I would try it today, XXXX XXXX, XXXX. I decided to try purchasing the three reports for {$39.00} again, however, I decided to get the free report first and opened a basic account without any costs. I received a welcome back online greeting and obtained a 12 page report with no score or information. Next, I decided to try again to purchase the three reports, and again after putting past, present name and address birthdate and credit card information was given an error message and it cancelled purchase. I the telephoned customer care XXXX and waited one hour and was told I could not purchase the three reports by telephone and that they could only be purchased online. I believe the offer to purchase 3 reports is a bait and switch, because I was offered a monthly deal for {$4.00} and other services.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15usc 1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. 
XXXX Consumer Financial Protection Bureau. XXXX Attorneys General Office. XXXX XXXX XXXX XXXX. XXXX State Senate. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve System. XXXX XXXX XXXX XXXX. XXXX Federal Trade Commission. XXXX XXXX XXXX XXXX
Product: Credit card

I just received a letter from XXXX, which I have been a Loyalist for years, pay above amount due on time all the time, etc. that as of XX/XX/year>, They intend to raise the XXXX interest rate to 34 %. This has to be illegal what they are doing and needs to be looked into. And I have a Great Credit rating. Appreciate your assistance in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reported a 30 day late payment to the XXXX major credit bureaus XXXX XXXX and XXXX for the month of XXXX of XXXX. Since XXXX of XXXX I was hospitalized due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my discover card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been XXXX a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and discover should remove it because I did not once get a fraud alert that my discover card was being used without my knowledge. XXXX failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against XXXX in the small courts claim where I have all proof to show XXXX is breaking FCRA laws. I have been with XXXX  since XXXX and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax because the XXXX ACCOUNT is reporting inaccurately. I've sent over 5 letters and haven't received a response or proof that an investigation was conducted. I'm looking to refinance my home soon and this inaccurate information is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union is reporting an account due to identity theft. I've included multiple FTC identity theft reports, police reports and verification to XXXX to block this information. My identification was compromised and I have a notarized document from the DMV indicating that my identity was stolen and I'm willing to prosecute. Additionally, I've filed a police report which is included in the report.
Product: Mortgage

I have a loan for my home with SPS serviceing my wife has been out of work due to a XXXX and XXXX my job is the only income. irequested help from SPS they sent me the paper work and sent it in in XX/XX/XXXX here it is XX/XX/XXXX and they tell me that they turned it down because they did not get the documents. they said I could submit the again with I did and I confirmed that thay di get them. I realy want to keep my home and keep paying on it. and I 'm trying as hard as I can to work with them but I keep getting this run around my name is XXXX the home address is XXXX XXXX tn. the home is up for sale in XX/XX/XXXX I 'm working as hard as I can to get this held off until something could be worked ou on getting the payments current. my home number is XXXX muy home is XXXX so I 'm asking for any help that you can give me with this issue.