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

Credit Acceptance is currently reporting my open account as late while on a current payment plan with them. According to U.S Code 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the
billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also, in accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy ( 12USC 1681 section 604a section 2 ) It also states that the creditor can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$7800.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, 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 ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Hard Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX SXXXX 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

Experian Credit Continues to report fraudulent and inaccurate information after receiving a response from creditors who initially reported the adverse information to the bureau. Experian continued to damage my rating by reinserting collection which were remove after original creditor acknowledged the error. Experian will not allow me to dispute these inaccuracies and fraudulent account online and when I contacted them directly they put me on hold for 30 minutes, looping me around between representative and then when I simply ask why they will not correct the issue the phone gets disconnected.

When the representative asks if I file a complaint against Experian to CFPB, I said yes and few minutes later the phone disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$3000.00} XXXX   {$1100.00} {$35.00} {$0.00} XXXX XXXX XXXX XXXX XXXX WAS XXXX XXXX XXXX XXXX OF XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX has sent me multiple requests for a medical bill. I have requested, on numerous occasions for proof of debt, only to receive a letter with an amount on it and my name misspelled. I do not now, nor have I ever had a written or verbal contract or agreement with XXXX. I do not owe them a debt. I did not entire into a business contract with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently being billed by XXXX for the amount of {$970.00}. I had tried to book a trip on XX/XX/XXXX. When I used there website they said there was an error message and booking can not completed and try again. As of my current report the are billing me on XX/XX/XXXX for that price. I have spoken to XXXX XX/XX/XXXX to confirm that this didn't go thru and was an error. The customer rep said it was a cancelled charge and they would have it handled within 24 hours but that never happened. I had called them again XX/XX/XXXX named XXXX and she said the charges get dropped in 3 days and apologized for the other customer rep. I waited those 3 days and still nothing was fixed. I got worried and called again because I didn't want this to be effect on XX/XX/XXXX the reps name was XXXX and he said he can see the charge was cancelled but can take 7-10 days to see the update. Now on XX/XX/XXXX they are saying I owe XXXX which is being charged on my citi credit card. I had called today and they were saying conflicting things and basically implying I owed this money when I don't. XXXX also expressed I call citi which I did and they said to there knowledge XXXX took nothing off for there mistake.
Product: Credit reporting

I had a case opened with Transunion here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to zero. I just pulled my credit report and the balance reflected right now is not zero, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported XXXX accounts on my personal income taxes XX/XX/XXXX, and paid accordingly XXXX. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for XXXX account on my credit report. It should be reported a zero balance as the debt has been cancelled/forgiven, the have already taken the tax write off XXXX and now they still want me to pay in order to report a zero balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on XXXX accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. XXXX
Product: Credit card

Registered for the XXXX XXXX XXXX XXXX XXXX to take place in XXXX Ohio. I registered for the XXXX for my husband, two friends and I which totaled {$160.00}. I was notified on XX/XX/24 that the race was cancelled due to low registration numbers and to email if a refund was requested. I emailed XXXX to request the refund on XX/XX/24. I then emailed again on XX/XX/24 and XX/XX/24 and left voicemails with no response. All emails and voicemails have gone unanswered, and I still have not received my refund. I am going to try to call my bank and see if I can dispute the transaction to get my money back. Very unprofessional.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, 2 XXXX XXXX  XXXX Accounts Ending in XXXX and XXXX XXXX XXXXXXXX Account Ending in XXXX, Has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states as a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitting this CFPB complaint will be my 12th CFPB Complaint to be submitted requesting the exact same request over and over again for the last 6 months! When will the Credit Bureaus be able to remove the disputed accounts and information completely from my Credit report? Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File! However, despite the countless CFPB complaints and Dispute letters that I have been submitting, the Credit Reporting Agencies have not complied with the implied Federal statute and decided to ignore my requests. Since the Credit Bureaus have been claiming that the disputed items belong to me, I have been requesting copies of proof of verification or proof of ownership or any documents bearing my signature to prove the Credit Bureaus claims. However, these requests have also been ignored and yet the Credit Bureaus still indicate the disputed items as verified! Which is just ridiculous! This will be may last attempt to request to the Credit Bureaus to remove the disputed items otherwise I will be filing a lawsuit. Once again, I was a victim of identity theft and the following items which I believe to be resulted due to identity theft be immediately removed from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter in the mail XX/XX/year> to my home address from Oxygen XL XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For a debt of XXXX on an Apartment rental in my name that I never made. I NEVER LIVED in NEW YORK so I dont understand why the company proceed to mail me knowing by the obvious I live in Texas and this resident address in nowhere in my credit history or anything. I did file a dispute on their website to let them know the DEBT IS NOT MINE. Which Im sure they know since they did find my address which is a Texas residence that I dont have listed on my ID. I live with a friend so technically I am homeless so I dont understand how they can comprehend to send this letter instead of investigating with landlord on who was paying them monthly because I am XXXX etc percent positive it wasnt me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. In XXXX of 2022, I filed a complaint with Federal Trade Commission and filed a police report and sent them all 3 major credit bureaus : XXXX, XXXX, and Equifax. It's been over 90 days and nothing has changed on my credit report. They've essentially ignored my complaint, even after sending them all the documents they required to correct my credit report.
Product: Debt collection

XXXX XXXX filed a collection against me for a debt I had believed to be settled. They called me at my employer once previously using my employers phone number. I told them then to cease and desist, and requested any further communication be through mail. They stopped for a little while but now I receive 3-4 calls a day through varying phone numbers from them. If I block one, they use a different one. I warned them before if it continued I would file a complaint, if that does not work I will contact my State Attorney General.
Product: Debt collection

This account has just recently shown up on my credit report. They have the wrong address, and I had to call to find out what this account was. I want it off my credit report as they have said they are lawyers when they call. Also came to find out the account is a Medical account which I know they are supposed to show on the credit report and know where does this show to be a medical account.
Product: Debt collection

Midland Credit Management ( MCM ) has called my home and spoke to both my wife and my mother in law. They gave information about my debit ( default XXXX XXXX card account was on auto payment not sure what went wrong ) to both and neither are on my account or authorized to discus it. On XX/XX/2019 my wife told them several times she was not on the account and that they should not be talking to her. They gave out my birthday to attempt confirmation it was my debit and then gave the balance, last payment, charge off month, and the card number. My wife does not recall but is pretty sure they gave last 4 of SSN as well. After my wife took down those notes to pass on to me my wife told them she was sure they broke the law by disclosing that information. The female supervisor told my wife that she KNEW THE LAW and was allowed to give it to her because she was my wife. She said that my wife should help me out and go ahead and set up payments for me. The thing is how do they know it was my wife? To prove this point when my wife was discussing it with her her mom the phone rang and it was MCM again. My mother in law had answered, pointed at the phone, and winked at my wife. When they asked if it was my wife she said yes and they again told her the balance and tried to get her to set up some kind of payments. 
MCM called again XX/XX/XXXX and my wife took the call. They started with " The balance is $ $ how do you intend to take care of this '' They asked if she had discussed it with me and how we intend to take care of it pushing for her to set up payments. At that time she told them at this point because she is not on the card and we know they have in fact broke the law I would not be talking to them until I talked with an attorney. ( Side note this is my bill and I would have taken care of it right away ) At that time they said so you are not going to pay us. She said as far as we are concerned you broke the law and his debit should be null and void. They said you do what you must and we will also they could not stop the collection calls either. My wife hung up called and contacted Consumer Financial Protection Bureau and we are making this claim. Later that day we were opening mail and one letter was from MCM. The letter was a PRE-LEGAL NOTIFICATION that stated we were sent another letter before this one ( we never got one ) The letter stated MCM was considering sending this account to an attorney in our state for possible litigation. To please pay them.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Debt collection

I just checked  XXXX   XXXX  on  XXXX   XXXX ,  2017  and a collection from a debt collector is there with an original debtor I have never heard of or have ever been in anyway associated with. I ca n't even figure out who they both are and what the debt represents. It seems that this is happening to many other consumers.   This is the info I have  : DEVILLE MGMT COLLECTIO N/CHARGE-OFF Status Type : Other Date Reported :  XXXX   XXXX ,  2017  Payment Status : Collection/Charge-off Account Status : Derogatory Amount Past Due : Not Reported Account Details Original Lender :  XXXX   XXXX    XXXX   XXXX   Account Number :   XXXX   Account Type : Not Reported Responsibility : Individual Credit Limit : Not Reported Highest Balance : {$2400.00} Payment Details : Amount Past Due Not Reported Date of Last Payment : Not Reported Monthly Payment : Not Provided Payment Frequency : Not Reported Lender Info :  XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  Remarks : Placed for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account information XXXX  XXXX XXXX with {$1200.00} on my credit report is incorrect and needs to be deleted. I do not owe a XXXX to the XXXX at XXXX. The attached files support my position.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/year> Status Open. {$340.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> XXXX {$17000.00}
Product: Student loan

I would like to lower my monthly payment, or see what my repayment options are, and Navient is not allowing me any options. I explained that I wanted to use the avalanche repayment method and take control of my debt, and that I could not afford my upcoming payment, which is {$400.00} higher than I 've been paying for the last 5 years. They have offered no help, and I feel that I do n't know what my options are and that information is being kept from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email from XXXX claiming that a new account was recently opened in my name at sbnaselflndr. I never opened that account nor did I authorize anyone to open it in my name. I immediately looked up then contacted the company, which turned out to be XXXX and/or sunrise bank. Their outgoing phone message claimed that they never handle fraud disputes by phone and gave an email address to contact them with these matters. I immediately emailed them on XX/XX/XXXX by email using their directions. Days passed and I still hadnt heard back from them. On XX/XX/XXXX I started a dispute against the fraudulent account through the XXXX website. A day later XXXX emailed me back to tell me that they did not agree with my dispute and the account indeed belongs to me. Then I tried submitting a dispute with XXXX, and again, a day later XXXX told me that the account truly belonged to me. I am at a dead end. The company, XXXX or Sunrise Bank, never returned my email after 7 days of waiting. There seems to be nothing I can do at this point and Ive turned to CFPB to help resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  2017    faxed letter to  XXXX  requesting removal of bankruptcy and tax lien on credit file as I was not aware of the source of their information on the bankruptcy and judgement. I received a response dated  XXXX    XXXX  ,2017 that  XXXX   XXXX  reported the information as discharged and that  Case number /   XXXX   XXXX   XXXX   XXXX   XXXX   is currently not reporting on the   XXXX   credit file in which I do not have knowledge of what that case is.   On  XXXX   XXXX ,   2017   I sent a reinvestigation request with a letter from Michig an Federal Court stating they do not supply information or validate inform ation with the credit bureau 's.   XXXX   replied with the same information stating that  XXXX   XXXX  has verified the information with the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : # XXXX, XXXX STAR : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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