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

In XXXX I was provided a copy of my credit reports which all 3 reflected a {$13.00} past due balance on a closed Discover Card account. This incorrect tradeline was having a significant negative impact on my credit scores and ability to purchase a new Florida residence. I immediately contacted Discover and they immediately credited my account the {$13.00} as I had paid and closed the account several months prior. However, Discover had refused to remove the late marker caused by the {$13.00} debit that was their error. A Discover credit representative suggested I dispute the issue with the credit bureaus which I have done. However, in the meantime Discover continues to allow this incorrect negative information to be be reflected on my credit reports and is impacting my ability to purchase my new Florida residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/2022 with CFPB due to I mailed in a dispute on XX/XX/2022 disputing multiple accounts and thus far one of the accounts XXXX XXXX XXXX was updated as Closed/Collection account for what appears to be incorrect amount. 
I received a collection letter on Behalf of XXXX XXXX XXXX from XXXX XXXX XXXX stating a totally different balance than what's showing on my credit report for the company XXXX XXXX XXXX which indicates that the investigation as well as the reinvestigation I requested was not done as requested and which the FCRA states, therefor is a violation of the FCRA. 

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

I tried to find out from the creditor that used the information they said they received from the credit reporting company. The company did not send new information they sent a month or two old information in my credit file. By doing this one of my credit card company lowered my credit limit after I made my new payments to all of my creditors. 
Now one credit card company is showing my account as over the limit. It wasn't over the limit with XXXX and XXXX billing cycle because my limit wasn't lowered until I paid my bill a third down. Something is illegal going on. 
I sent 2 attachments : the 1st shows XXXX XXXX that's the company reduced my limit that makes my account appear over the limit you can see where they got paid the {$1000.00} and you can see all of my other debts got paid substantially as well who did not lower my limits ; the 2nd is a copy of XXXX credit report showing I am not over my creditblimit before I made the {$1000.00} payment to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was surprised to see inaccurate accounts on my credit report this morning, and I have no idea how they appeared. As part of my regular routine, I checked my report and was alarmed to find unexpected errors. I tried refreshing the page, thinking it might be a system issue, but the errors persisted. Due to this, I am requesting a detailed review of the documents I have submitted to resolve this once and for all.
Product: Credit card or prepaid card

I got a store card backed up with XXXX XXXX, I changed my address after receiving the card, I called XXXX  XXXX   and changed my address, yet I did not receive a statement for multiple months, I received a phone call from the bank later and I found they still had the old address which they then corrected. I told them I would like to pay my original balance and I don't believe I should be responsible for all these additional fees as a result of them not properly updating my address. I requested that I speak with a supervisor to revolve the matter instantly on the phone and pay my balance, I was not given a fair response. I let them know that I will be contacting the CFPB unless they reach out and work with me to resolve this issue, I was ignored and they keep on adding fees and interest the amount now is multiple folds higher than the original balance. I feel that they have significant leverage over me to force me into paying unfair fee and I have zero leverage but to do what I want. My credits core has been significantly impacted and I am looking to buy a home. Please help me
Product: Credit reporting, credit repair services, 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of this year, I've been sending update letters to Equifax, XXXX, and XXXX to delete old and inaccurate addresses and outdated information on my credit report. These companies are still reporting old and inaccurate addresses and information even after I initially sent them at least two update letters but they never updated my personal information. These are all of the inaccurate addresses on all three of my credit reports that still haven't been deleted but need to be removed. 


XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX  XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX  XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX
Product: Debt collection

I AM CURRENTLY DISPUTING IC SYSTEMS INC IN THE AMOUNT OF {$850.00}, AND ALSO XXXX XXXX XXXX IN THE AMOUNT OF {$980.00}. I SUBMITTED ALL THE CORRECT DOCUMENTS TO SHOW THAT THESES ACCOUNT DON'T BELONG TO ME BUT THEY KEEP REPORTING THESE ACCOUNTS WHICH ISN'T FAIR TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX
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 XXXX. 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 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 21 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 or prepaid card

I am complaining about an XXXX XXXX  Mastercard In XX/XX/XXXX I was charged {$69.00} without my permission for a service I did not ask for. 
I immediately contacted the credit card and informed them. They cancelled the card and sent out another with a new number, and they said that they would initiate a dispute. 
Two months went by and I was not contacted at all by phone or by mail despite them having assured me that I would be, so in late XX/XX/XXXX I called them again to inquire about the progress of the dispute. 
At first the representative said that they saw no evidence that a dispute had been initiated but after I insisted on speaking to a manager they found the dispute and said that no one had begun to work on it yet but that it would be initiated at that moment. They said to call back in two weeks. When I asked them for some type of confirmation number for proof that the dispute has indeed been initiated they said that they have NO confirmation number, but that I would be receiving a letter from them within ten ( 10 ) days confirming the dispute. 

Today, XX/XX/XXXX I called back again to check and see what's going on because I had not yet received any letter about the dispute. 
At first I was told once again by the representative that they could not see where a dispute had been initiated, so after requesting to speak to a manager they were finally able to see the dispute.

They said ( once again ) that they would be sending a letter about it's progress and that I would receive it within ten days. 
They also said that I DON'T have to make payments on the disputed amount while it's under dispute, but that on the credit card 's website it might show as late payments when the due date, which is the XX/XX/XXXX of every month, passes, but that I should not worry about it because they would " take care of it ''. 
Why can't they freeze the payments so that during the dispute they don't get reported as late like EVERY OTHER competent credit card company does?? 
Their inability to see the dispute at first every time I call makes them appear very incompetent and is to me a reason for concern, as I have IMPECABLE credit that can easily be verified. 
Since they HAVE NOT sent me any letters pertaining to this dispute as they promised more than once that they would the only document that I have to upload is a " Summary Of Account Activity '' that shows as the balance the disputed amount
Product: Credit card

I noticed on my credit report a charged off {$930.00} balance with Synchrony Bank for an XXXX card account. I called the available customer service number, gave them my Social Security number, then was told by an automated voice " we are not taking calls at this time. '' I have tried numerous times to contact the company to no avail. I do not know how I am supposed to rectify my past due debt.
Product: Credit card or prepaid card

I have a dispute regarding my California Middle-Class Tax Refund with Money Network for a debit card in the amount of {$250.00}. I received a non-chip debit card in the mail the afternoon of Friday, XXXX XXXX and activated the debit card through Money Networks telephone system that afternoon. The card was in my possession the entire time and I did not use it or share the card number or pin with anyone. I tried to use the card XX/XX/2023 at XXXX and it was declined. I called Money Network and was told the card was used at XXXX in XXXX XXXX on XX/XX/2023 for {$240.00} ( 400+ miles from my home ). I opened a dispute with Money Network that day, XX/XX/2023. I was told it would take 45 days to investigate and that I had to call back on XX/XX/2023 for an update. They also indicated if I received a replacement card not to activate it until the investigation was complete. I received a non-chip replacement debit card with written instructions that fraud had been identified on my prior card and to activate the replacement debit card as soon as possible. I called Money Network to clarify the discrepancy in the written instructions versus the verbal instructions regarding activating the replacement card. I expressed concern that the written instructions were not the same as the verbal instructions thereby wasting time by Money Network as well as parties receiving replacement cards. I again was told not to activate the card even though the written instructions stated to do so as soon as possible. On XX/XX/2023, 45 days since the dispute was initiated, I contacted Money Network by phone. Money Network told me they had " no '' updates regarding the dispute. I was told to call back weekly to see if an update had taken place. Money Network is now not available due to high call volume and their system hangs up on me. 

This company has no incentive to finalize disputes as they are supposedly responsible for replacing any fraudulently used debit cards. Further, the state contract was granted to Money Network because they indicated they would distribute debit cards with chips. I have received two cards, one of which is not eligible for activation yet, and neither one has a chip. I am filing a complaint with the Consumer Financial Protection Bureau in hopes of getting resolution on this matter and also contacting my federal representative. Based on on-line comments, Money Network has a terrible track record for resolving disputes. What incentive do they have for resolving fraud if they are self-regulating and the funds come out of their profits? Further, based on my situation, it appears the fraud is either an in-house employee or due to hacking of their telephone system. Please assist me in resolving this fraudulent dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2021 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

Information reported is inaccurate for creditor XXXX XXXX account ending XXXX and this is against the fair credit reporting act. I have requested several reinvestigations and sent previous documents of proof and now I am including a credit report from XXXX  showing no late payments. If this creditor can not be verified as accurate, by law this account is to be removed immediately. Thanks.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Product: Credit card or prepaid card

Well I went over all my financial transactions for the month of XXXX. After I calculated all my financial transactions for XXXX there was {$100.00} unaccounted for. My mother called direct express the makers of the debit card, after my mom spoke to direct express customer service. They gave my mom all the transactions for the month of XXXX. My mother added all the financial transactions for the month of XXXX and she told me that there was {$100.00} missing. So she's been trying to call direct express customer service back about this, but she can't get through, because direct express customer service doesn't answer her calls or mine. They have a voice message saying that they are overwhelmed by all the phone calls. This is the situation I find myself in today. It's my money that's missing, even though the debit card has my mom 's name on it. I receive my social security XXXX benefits on the debit card each month. So far direct express hasn't returned or refunded the {$100.00} back on the debit card. We can't ask why because we can not get through to find out what happened to the money. Remember the transactions still leaves {$100.00} left missing out of my account..after all them have been accounted for.
Product: Credit card or prepaid card

Wayfair shipped to incorrect address. Wayfair had XXXX  to pick up and return but my account has not been credi and they have their merchandise. 

I have contacted the merchant and Comenity Bank
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We went online to get our tax statement from the mortgage company online and see our monthly balance for payment has an increase of $ XXXX. It says not enough money in escrow. We purchased a house 2 years ago. After the first partial year of having a mortgage, we received a letter with a check from NationStar saying your escrow is too much, giving us {$2400.00} plus reducing our escrow account by another $ XXXX. I called them and said this seems like a lot of money, are you sure you wo n't short us or in future years jack up our rates. The response oh no, we are pretty good at this and it shows we do not need this money. So you can apply it to your principal or cash it, its your call. So we put it in our savings. Now this year, no notice, although their online system says they sent a letter on XXXX, never received it, that our escrow is short. So now they need {$2700.00} dollars to cover the shortage, plus raising our monthly escrow amount. All this equals $ XXXX increase. Now we only have 10 days before our insane mortgage payment is due.
Product: Money transfer, virtual currency, or money service

Back in XX/XX/XXXX I attempted to move my crypto from my vaults to my wallets but forgot my second confirmation email address because it was established in approximately XXXX or XXXX. I had to verify my identity, I did that and even hired an attorney to write the company coinbase to facilitate the move of my assets as coinbase indicated they would move the assets for me once verified, I received an email from coinbase indicating verification and yet they have not moved my assets from my vaults to my wallets and continue to cause me great distress, I lost XXXX upon XXXX of dollars due to this
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX # XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached account is being reported inaccurately and does not belong on my credit report under 15 U.S. Code 1681b ( a ) ( 2 ). The evidence is shown in the screenshot of my credit report, which shows that I never gave written instructions to these agencies to furnish my credit report with this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, pursuant to 15 U.S. Code 1692g - Validation of debts am demanding Wells Fargo to provide me a validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 


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

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report over 60 days later and inform them that there's account that is not mine. but I haven't received a response yet. I feel like I'm being ignored of my disputes. It's I will file for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.