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

In accordance with the Fair Credit Reporting Act, Experian, XXXX, and XXXX have violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions, and I HAVE NOT given ANY consumer reporting agency written instructions to furnish anything. 15 USC 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.15 USC 1692b without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. I have not given consent to ANY collection 's agency REMOVE ALL LATE PAYMENTS AND COLLECTIONS FROM MY CREDIT PROFILE IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was notified that liens had been filed against me in the state of Alabama for unpaid taxes in XX/XX/XXXX & XX/XX/XXXX. I had XXXX college in XX/XX/XXXX and moved to Colorado for XXXX school, where I was a resident in XX/XX/XXXX & XX/XX/XXXX. I was able to dispute this with the state through tuition payments, addresses, car registration and my driver 's license in Colorado. I disputed this on my credit reports as well with all three bureaus. It has negatively affected my ability to purchase a home and a car in recent years. XXXX and XXXX still have it showing up on my credit report as a " paid and released lien ''. I never paid the lien, because I never owed it. I would really like the entire thing removed from my credit report. Attached are letters from the Alabama Department of Revenue rescinding the liens and acknowledging that I did not ever owe them nor did I live in the state during those years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, am filing this CFPB complaint concerning a dispute of re-investiga tion. Into inaccuracy being reported on my consumer credit reports. With ExperianXXXX XXXX XXXX XXXX XXXX Information Services. In my dispute I also had my disputes notorized as verification of the date they were filed In the filing of my disputes my federal rights were violated by the furnishers. Whom, were reporting of the inaccurate infromation.My rights were violated by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent my disputes requesting an reinvestigation into the negatively inaccurate informati on that was being reported. According to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). you are required by federal law to conduct a reasoable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

I demand to see verifiable Proof ( This should be-hard evidence that goes all the way back to the original creditor, not verification from a third database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the negative account. 

I had my disputes notirized to verify that I had submitted my disputes.And not only to show when the dispute letters were notorized as witness of the disputes. After, the filing of the disputes, I never received any notices of investigation results at all. Therefore, the Law is very clear as to the Civil Liability and the remedy available to me for " " negligent noncompliance '' ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend to pursuing litigation in this matterto enforce my rights inder FCRA. 

In the filing of this CFPB, complaint XXXX demand first of all that the federal staues be followed. By all three credit bureaus, and furnishers. As, I know that credit bureaus do not conduact any reinvestigations. Thats why have not received any reivestigation information on any of my disputes. 

Thus has violated my federal rights over and over again, so I want the negative accounts deleted from my consumer reports with Experian, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

( See attached copy of disputes submitted to the three mayor credit bureaus ) which will prevail all of my rights violated unDER : 15 USC 1681 611 ( a ) ( 1 ) ( A ) 15 usc 1681S-2 15 USC 1681 ( a ) ( 7 ) 15 USC 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ) I demand immediately deletion of account information or face Civil Liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are reporting on my personal credit file with EQUIFAX and XXXX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding Self Lenders incomplete reporting of my credit card status. Over a year ago, I paid off this credit card in full, reducing the usage to 0 %. Self Lender inaccurately reported this to XXXX, XXXX and XXXX, where the account remains inaccurately reported in bad standing. The reports all show different things which is unacceptable and unprofessional. 

Complaint Basis : Under the Fair Credit Reporting Act ( FCRA ), information furnishers are required to report accurate and complete information to all credit bureaus. Self Lenders failure to correct this information on XXXX and XXXX violates this requirement, which has impacted my credit profile and potentially harmed my financial standing. 

I request that XXXX XXXX promptly update the status of this credit card on XXXX and XXXX to reflect that it is paid in full, with 0 % usage. Please confirm that Self Lender has completed these corrections on all bureaus. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I was sent a letter to verify my identity out of the blue. It stated that I could call in to verify so I did. Every single thing was verified as correct I was told that my card was now unblocked. First off I work for Kohls where the application was submitted by the company themselves it is a instinctive for Kohls employees to have a card when working for the company so off the base they have all of my information as they have to complete background checks before they employ you. So again this application was submitted at my employer office by the cashier who takes the ID and enter it herself in the system and your account is created by Kohls with your consent. I did nothing wrong my bill was paid on time my phone number is my number and I shared email address with my mom I am only XXXX just turned XXXX in XXXX so my mom makes sure I am getting all of my correct information in as I asked her to do. I feel that capital one discriminated against me based on someone elses experience and associated me with that person and that is wrong my bill was paid on time I brought my mom a few outfits as I did not see anything I wanted in kohls at the time so I treated my mother and I feel that capital one looked at that and decided it wasnt my card and in fact it was. And it was my first card now they are tarnishing my credit and name and discriminated against me when my card was not improperly used and was paid on time with no issues.
Product: Checking or savings account

I had a CD that matured and it was rolled into a savings account. The account was marked as " inactive '' and my funds frozen. I mailed Citibank the required information to unfreeze my funds and contacted them on numerous occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Each time I was told that it would take 2 business days to get a response from the " back office '' and they would call me back. I have never been called back. The funds are not in dispute nor that they are mine. I need to receive the funds and close the account.
Product: Debt collection

This company calls every day from Monday through Saturday. They will not give me any information just saying theyre a debt collection company. I do not have any debt as I have all my credit through XXXX XXXX to keep track of all payments. They will say because Im being unhelpful that they will end the call then hang up.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card

closed credit card acct in 2015 and have received no statements since 2015. I just received a statement this week owing {$900.00} interest charges for the last 10 years. If I had known I would have paid this card off a long time ago. I have 2 other credit cards with Citi they are on the online banking that I see every month..but not this card. I feel it is unfair that they did not send me a statement until this week
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my request to remove information on my credit report due to identity theft, but your company stated that such information doesn't appear in my credit. 
However it is still there, a copy of your response and a copy of my credit report is attached to this complaint. 
Please remove these items from my credit report intermediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reported as paid in full the company contacts advising payment due repeatedly informed not what I was advised the card was lost and account had been closed for some time so nothing was due. Disputed balance supervisor advised they were escalating and enrolling in covid 19 payment plan where as no payments no fees would be assessed for 2-3 billing cycles to ensure adequate time was provided to be properly escalated with no further issues and this was occuring during death of immediate family member. 

I did not hear back from him by the end of the date provided so i paid in full with live agent end of XXXX again reconfirming i was disputing and that once remedied in my favor refund. 

Company repeatedly advised allow 30 days to see it rectified on credit bureaus then they completely switched gears saying it is accurate. NO IT IS NOT I HAVE NEVER BEEN 30 DAYS LATE IN ALL THE YEARS THIS EXISTED LEAST OF ALL 60-90 WHEN THE BALANCE IS LOWER THAN IT HAS EVER BEEN ONLY FOR ME TO PAY THE ENTIRE BALANCE JUST LIKE THAT. 

I know what I was advised twice over and I paid again under protest at the exact moment the arrangement ended further illustrating the arrangement in place
Product: Bank account or service

I placed a stop payment on a company called XXXX, This took effect on XX/XX/2015.The bank confirmed the stop pay, yet I had charges occur from the XXXX company numerous times after the stop payment took effect. I called the bank and they only credited my account for the stop pay fee of XXXX. But still charged me fees in the amount of XXXX. Because I was negative, this caused a check for XXXX to bounce and they processed it three times charging me XXXX. They would n't credit my account for the mistakes they had did. ( US Bank )
Product: Credit card

Please review the attached documents. I request the bureau to commence an investigation into these accounts, as I have never been late, yet they are erroneously reporting me as such.
Product: Credit reporting or other personal consumer reports

The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX, XXXX, and. Equifax credit report on XX/XX/year> 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 according to XXXX5 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) PROMPTLY notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

My Exeter loan is paid in full and I have proof!! 
In accordance with the FcrA.the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 US C 1681. I told XXXX, XXXX and XXXX to reinvestigate these accounts. Child support account number ending in XXXX, child support account number ending in XXXX, and Exeter Finance account number ending in XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 15 USC 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 calls to believe that the information is incorrect.
Product: Debt collection

My wife and I have been separated for a few years. During our separation she opened up credit cards using my name and social security number without my knowledge or consent. She passed away and I am now discovering these credit cards. I do not have the money to pay these cards and they are not mine to pay. I have called and notified these credit card companies and after a very short investigation they are stating that I opened up these cards.
Product: Consumer Loan

To Whom This  May Concern ; Re : Santander I use to speak very highly of Santander but today is a different story. At one point Santander was  a company I respected and was very thankful for. Back in  XXXX  I was in financial trouble and my car was repossessed.  Santander assisted me every way to get my car back and I was able to within 2 months. Fast forward 4 years later, Santander is causing me big problems with repairing my credit and being able to purchase a home for my expanding family. A mistake I made 4 years ago that I have paid tremendously for is still being reported to the credit bureaus inaccurate and negatively. I have made multiple attempts to dispute the inaccurate information being reported by Santander. Santander  did report the repossession back in  XXXX  but every since then they have also reported this as "  Charge Off/ Write Off Bad Debt. '' I  have possession of this vehicle, an  XXXX   XXXX   XXXX . I receive monthly statements fr om Santander and I still make monthly payments to Santander. How could this be a charge off or write off? Usually those are sold to collection agencies, right? As stated before I have disputed this inaccuracy multiples times with all  XXXX  credit bureaus asking for it to be removed but each investigation has came back verified as accurate. Per the Fair Credit Reporting Act, the Date of Last Delinquency is the date of the first missed payment that led to charge off, collection, foreclosure or repossession. Reporting a more recent date of last delinquency would be in violation of this Act. This inaccurate reporting has caused an huge negative impact on my credit report and score. Every time I have contacted Santander  about the negative reporting I get no where. It 's been all about money for them and not the fairness to their customer.     Thank you
Product: Credit reporting or other personal consumer reports

I have XXXX accounts on my credit report showing balance and they are paid off. I have submitted paperwork proving they are paid off and still show open with a balance. 

The credit reports are not being reported correctly causing me many issues. 


XXXX XXXX XXXX  Balance {$42000.00} Balance updated XX/XX/year> XXXX XXXX {$36000.00} Balance updated XX/XX/year> XXXX
Product: Debt collection

The following accounts were fraudulently opened by someone without my knowledge or consent : XX/XX/XXXX Bank of America Credit Card {$2200.00} charged off XX/XX/XXXX not mine. 
XX/XX/XXXX XXXX XXXX XXXX  Credit  Card. {$610.00} charged off XX/XX/XXXX XXXX XXXX XXXX  Credit Card-open date unkown, currently in collections with XXXX XXXX {$610.00} charged off placed for collections XX/XX/XXXX XXXX XXXX open date unknown {$3000.00} currently in collections with XXXX XXXX XXXX placed for collections XX/XX/XXXX XXXX  opened around XX/XX/XXXX {$1100.00} currently in collections with XXXX  XXXX  I have contacted the credit bureaus to dispute these accounts but their investigation has come back that these are valid. All these account were opened around the same time period which was XXXX XXXX. 
I moved from XXXX XXXX XXXX XXXX to XXXX, Ca.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX changed my billing address to an address that didn't belong to me. I never received a bill, they admitted their error and corrected their error, but my credit score with Experian was never corrected back to what it was before their error. I want my credit score returned to what it was. It is the ONLY late payment I have ever had since XXXX, and I paid it as soon as I got the bill? Then it also had a fraudulent charge on it. Experian was notified it was an error by XXXX XXXX XXXXXXXX, but never changed my credit score back.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the inaccurate information on my credit report maintained by XXXX, as required by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ]. I have previously disputed this information with XXXX, but they have failed to conduct a reasonable investigation and have improperly reinserted the inaccurate information onto my report. 

**Details of Dispute : ** 1. **Credit Report Information in Dispute : ** I dont know anything about these accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and inaccurate late payments are being shown. 
XXXX. **Date of Dispute : ** XX/XX/year> XXXX. XXXX 's XXXX : ** XXXX conducted a sham investigation and failed to remove the inaccurate information. Instead, they reinserted the same inaccurate information after the dispute was resolved.

**Violation of FCRA Codes : ** 1. **Section 611 ( a ) ( 1 ) ( A ) : ** XXXX failed to conduct a reasonable investigation into my dispute, as required by FCRA [ 15 U.S.C . 1681i ( a ) ( 1 ) ( A ) ].

2. **Section 611 ( a ) ( 5 ) : ** XXXX failed to provide me with a written notice of the results of the reinvestigation, including the business name, product, and the nature of the information upon which the reinvestigation was based [ 15 U.S.C . 1681i ( a ) ( 5 ) ].

3. **Section 611 ( a ) ( 6 ) : ** XXXX failed to remove or correct the inaccurate information from my credit report [ 15 U.S.C . 1681i ( a ) ( 6 ) ]. 

I request that the CFPB investigate XXXX 's practices and take appropriate action to ensure compliance with the FCRA. Additionally, I seek compensation for any damages incurred due to XXXX 's violations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I reviewed my Consumer Reports and noticed that I had several late payments on some accounts in which, due to COVID 19 and an accident that my husband had, who is the one who makes the payments because he is the one who works and I notified all of this in the same way, we were also notified. difficult to make payments up to date. Therefore I need help since consumer reporting agencies have assumed a vital role and have the responsibility of reporting consumer information to the best of their ability with maximum accuracy. I am no longer late on the XXXX XXXX account ( XXXX ) Investigate and provide statements showing that these payments were late. If proof can not be provided, demand that these payments be updated so that I no longer have a negative report on my credit report. I appreciate anything you can do about it. Thank you.
Product: Credit reporting or other personal consumer reports

Reporting closed accounts to my financial bureau which caused my credit score to decrease. My credit score decreased XXXX points without any detailed information of why...