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

RE Reporting all credit bureaus for data purposes ( and legal ) for the following regarding the handling of my credit files. 

XXXX ) XXXX, Equifax and XXXX accepted information from unreliable furnishers : they all accepted information from furnishers that are not providing reliable, verifiable information about me XXXX - XXXX XXXX XXXX  - should be deleted. 
XXXX XXXX XXXX- not late in XXXX of XXXX. 
XXXXt- should be deleted. 
XXXX XXXX XXXX  XXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) XXXX  XXXX  XXXX credit- not late in XXXX of XXXX. 
XXXX XXXX XXXX  XXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) And XX/XX/XXXX knocked my credit down XXXX points for a late payment that does not exist. 

Equifax- XXXX XXXX XXXX- not late in XXXX of XXXX. 
XXXX XXXX XXXX XXXXXXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) XXXX ) XXXX XXXX to include information from XXXX  XXXX XXXX XXXX failed to respond to all or nearly all disputes that issued the same responses to all disputes.DUPLICATE CLOSED. 

XXXX ) Equifax, XXXX and XXXX maintained information on my report as a consumer reporting to companies what was knowingly false : Example XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( XXXX  XXXX files ). Preventing an accurate financial picture. 

XXXX ) XXXX allowed XXXX XXXX auto loan furnishers to continued to share incomplete or inaccurate information for several years after learning the information was false, incomplete, or inaccurate. XXXX XXXX XXXX provided information even after they determined the information was listing incorrectly. This was verifiable with the original dealership that this trade should be deleted. 
XXXX ) Equifax, XXXX and XXXX did not follow requirements for the disputed investigations and continued to furnish information listed above that I have repeatedly disputed by failing to conduct investigations into the accuracy of information. Instead all Bureaus have put blocks in place preventing me online report access to continue to dispute enabling delay and access from supporting agencies. The XXXX XXXX XXXX website has also been blocked for all bureaus. 
Equifax XXXX department continues to ignore the requested access and their department continues to send documents denying access electronically since XX/XX/XXXX despite providing documents, court orders, drivers license and birth certificates authentication as XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in XX/XX/2024 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. 

XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Previous Complaint CFPB complaint ID XXXX Experian states in response to the complaint above that the account is deleted. They did not follow through and delete it. Damages incurred from this extensive carelessness and lack of performance they are continuing to violate FCRA laws and now I've had to hire a credit reporting firm to continue to address further problems. They've stated they'll delete and continue not to and continuing to damage credit... again.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a phone off XXXX XXXX and used my wells fargo debit card on XXXX XXXX to pay seller who didn't send the phone and blocked me for all means of contacts I contacted the bank while the payment was still showing as pending but was dragged in forms and calls till it cleared. I filed dispute and requested refund based on card protection after bank failed to stop payment
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX ) and the Department of Education regarding an ongoing issue with the reporting of my student loans to the major credit bureaus : XXXX, XXXX, and TransUnion. Despite XXXXDept of Ed no longer servicing my XXXX loans, they continue to report inaccurate information, which is negatively affecting my credit. 

1. Loan Status : My XXXX loans were transferred from XXXXDept of Ed to a different loan servicer. However, XXXXDept of Ed has consistently reported these loans as active and delinquent on my credit reports, even after the transfer. 
2. Inaccurate Information : The incorrect reporting has resulted in a significant drop in my credit score, making it difficult for me to secure credit, obtain reasonable interest rates, or even rent an apartment. 

3.Communication with XXXX/Dept of Ed : I have made numerous attempts to contact XXXX and the Department of Education to resolve this issue. Despite my efforts, the inaccurate reporting continues. 

4.Impact on My Financial Well-being : The inaccurate reporting by XXXX/Dept of Ed has had a direct and negative impact on my financial well-being. It has caused me undue stress, limited my financial opportunities, and has affected my ability to access essential services. 
5. My current loan servicer is correctly reporting my loan debt but because of XXXX/DEPT OF ED reckless reporting to all of the above mentioned agencies the amount of debt on my consumer report is doubled ( which includes current debt in addtion to the debt that XXXX/DEPT OF ED is reporting . 

I request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to rectify the inaccurate reporting of my student loans by XXXXDept of Ed . 

According to the law : 1. As stated by : 15 USC 1681 Congressional Findings and Statement of Purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING 2. As stated by : 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT- 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 to whom the report relates.

How are they following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report?

I appreciate your prompt attention to this matter and request that you keep me informed of any progress regarding my complaint. I understand that the CFPB is committed to ensuring fair and transparent financial practices, and I am confident that you will take appropriate action to resolve this issue. 

Thank you for your assistance in resolving this matter and for your commitment to protecting consumers ' rights. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt or credit management

Lexington law supposed to be helping me with my credit I've been paying them over a year and haven't seen any credit report getting better
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX on XX/XX/2XXXX  reported The amount {$13000.00} on my credit report violating the FCRA law 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. I request a copy of the contract with my signature. In requesting documentation none was provided. This matter is due to identity theft this should be removed from my credit report. Police report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not my account & need to be removed asap
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 Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation to disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic 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 Experian 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX IL XXXX XXXX XXXX Date : XXXX Experian Consumer Services XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Information on My Credit Report Dear Experian Customer Service, I am writing to formally express my concern regarding the inaccurate information on my credit report, which continues to remain unresolved despite my previous disputes. This issue is of great importance, and I am deeply dissatisfied with the manner in which it has been handled thus far.

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to correct inaccurate credit reporting and not properly investigating consumer disputes. In the lawsuit, the CFPB pointed out serious concerns regarding Experians practices, including the failure to resolve inaccuracies in consumer credit reports, even after disputes are filed and the issue is clearly identified. Unfortunately, I have experienced a similar pattern in my own dealings with your company, which is why I am compelled to escalate this issue. 
I previously submitted a dispute on XX/XX/year> regarding the inaccurate information listed on my credit report. Despite this, my credit report still contains incorrect data, which has negatively affected my credit score and overall financial standing. I request that you take immediate action to resolve this matter by : Conducting a thorough investigation into the inaccuracies I have disputed. 
Correcting the erroneous information on my credit report promptly. 
Providing me with a corrected copy of my credit report. 
Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate, and that disputes be fully investigated in a timely manner. It is evident that the practices outlined in the CFPB 's lawsuit, which cite delays and inadequate responses to disputes, are reflective of the challenges I am facing with Experian. 
If the inaccuracies are not corrected promptly, I will consider taking further action to ensure my consumer rights are protected, including filing additional complaints with the CFPB and considering legal remedies available to me. 

Please confirm receipt of this letter and provide an update on the resolution of my dispute as soon as possible. I expect to hear from you within 30 days, as outlined by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Credit card company converted my account billing from USPS mail to paperless without my knowledge nor consent. 

My credit card statement was mailed to my USPS mailbox in early XX/XX/XXXX. But, no statement was received in early XX/XX/XXXX, I contacted the CC company to ask about my bill. The customer service rep said that I was enrolled in paperless billing. 

I never signed up for paperless billing. I was never asked if I wanted paperless billing. CC company flipped me to paperless billing. 

This practice puts consumers at financial risk. If they wait for the bill to come, but it doesn't because the CC company flipped them to paperless without their knowledge, they are likely to pay bills late and incur penalties and interest charges.
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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX Balance Owed : {$24000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5200.00} - tied up to open XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( 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.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX Balanced : {$0.00} XXXX  XXXX XXXX Balanced : {$830.00} XXXX XXXX2023XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a problem with XXXX XXXX XXXX states that they own the debt and they are reporting inaccurate information and I also want to send me proof of purchase and license to collect on my state
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX, two fraudulent charges of {$400.00} each from XXXX were debited from my account. USAA even reached out to me asking if these charges run on my debit card were valid. I said absolutely not. They provided me a provisional credit of {$800.00} and sent me a new debit card on XX/XX/XXXX. Today, on XX/XX/XXXX, USAA debited my account again for {$800.00}, reversing the provisional credit. When I called, they first told me that someone 'impersonating me " called USAA and claimed the charges were valid. Then they told me that that were two duplicate cases disputing the charges were filed and one was closed as 'duplicate '. So I asked what a duplicate case on their end has to do with removing the {$800.00} provisional credit from my account. They told me it would take 2-3 business days to put the {$800.00} back into my account. Then they told me it would take the length of the investigation which can last 45 days. I told them that keeping {$800.00} of my money for 45 days is not consistent with a 'zero liability policy '. They then just refused to let me speak to anyone else nor explain their inconsistent communication with me. So, I hung up and am calling back USAA but I find this whole drama to be a complete waste of my time. I object to a bank attempting to keep {$800.00} of my funds over charges they themselves believe are fraudulent while they 'look into the matter '.
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up dispute regarding unauthorized credit inquiries that remain on my credit report despite my previous dispute. These inquiries are negatively affecting my credit score and were made without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I contacted the creditor directly to dispute the inquiry, but I have not received a satisfactory response. 

I also disputed the inquiries with the credit reporting agency Equifax, but it remains on my report.
Product: Mortgage

On XXXX XXXX, I was notified by mortgage company quicken loans a.k.a rocket mortgage rep XXXX XXXX that a {$500.00} deposit was required for the cost of an appraisal, which I paid. I, also recieved a message on my dashboard account for rocket mortgage from rep XXXX XXXX the same day referring to the scheduled appraisal date. On XXXX XXXX, I responded to XXXX XXXX asking to postpone the appraisal until after having a home inspection? XXXX XXXX replied, in so many words No. I had to stick to the date which was before the home inspection. The home did not pass inspection by far and seller was not willing to do repairs so I backed out of the contract, only to find out when I spoke with XXXX XXXX on XXXX XXXX, inquiring about a refund of my {$500.00} deposit that I will not receiving any money back. XXXX XXXX, then suggested I speak with a claims specialist whose name was XXXX. I explained the situation to him only to hear I wouldn't get any money back and coincidentally the cost of the appraisal and credit report was exactly {$500.00}. I feel my request was denied and because of it I'm out {$500.00}. This big company has taken advantage of me, I've expressed many times this is my 1st time going through this process. I did my part in asking for a postponement and because of that I shouldn't be responsible for the fees taken from my account.
Product: Debt collection

I have submitted at least 2 disputes against Convergent Outsourcing regarding a disputed XXXX bill from over 12 years ago. XXXX  hasnt done anything to make them prove the dates are accurate. Convergent keeps changing the date of the claim to a new date every 2 years. But I have called them and told them this was a fraudulent process and I asked them to send me a copy of the contract for the " new '' service they say I signed in 2017, they can not produce that signed contract. This is fraud and has negatively affected my credit for over a decade. I want them held accountable. The reason I cancelled service in the first place is because they couldnt provide service to my house even after installing boosters. 

Here 's the info on the claim : Debtor : Convergent Outsourcing ( XXXX Phone Bill ) Date Open XX/XX/2017 Absolutely False Account # : XXXX Amount Owed : {$1300.00} ( Same amount from the original debt over 12 years ago ) Please help me stop the fraudulent activity which Im sure they use on many people.