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

I am writing to formally dispute the reporting of XXXX XXXX XXXX # XXXX on my credit report. As supported by recent legal interpretations and case law, the inclusion of such information violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Due Process Clause of the U.S. Constitution. 

As per the attached notice from XXXX, federal courts have ruled that the use of consumer reports for the collection of delinquent child support, judgments, fines, and liens is no longer permissible under the FCRA. The Fair and Accurate Credit Transactions Act ( FACT Act ) specifically defines the word credit and stipulates that a collection of an account is only permissible when the collection is in connection with a credit transaction. The relevant case law, including decisions from XXXX XXXX XXXX v. XXXX XXXX XXXX and other similar cases, explicitly reject the practice of using consumer reports for non-credit transactions such as child support obligations. 

Furthermore, in XXXX XXXX XXXX, XXXX XXXX XXXX ( 2000 ), the Supreme Court underscored the protections afforded by the Due Process Clause, preventing the government from intruding on fundamental rights and liberty interests. The state may not interfere with the liberty interest that parents have in controlling the care and custody of their children unless it is necessary to protect the best interests of the child. This principle further supports the argument that reporting child support obligations on credit reports is unconstitutional, as it unduly burdens the parent without serving a legitimate credit-related purpose. 

Given these facts and the legal precedents, I request that XXXX, XXXX and Experian immediately remove any and all references to child support obligations from my credit report. Reporting this information is not only legally unjustifiable but also violates my constitutional rights. If no response is receieved within 14 days I will be forced to file a complaint in Federal court! 

Please confirm in writing that this information has been removed and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

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

On XXXX XXXX, I was reviewing my credit report and noticed an account that was not reporting accurately. I have been up to date with my payments, I noticed two late payments on my account. The consumer reporting agencies need to report all information with complete accuracy, I have never missed a payment on ( XX/XX/XXXX and XX/XX/XXXX ). I understand 15 U.S. Code 1681 according to federal law 15 U.S. code 1631a ( 2 ) ( A ) a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I will gladly request for you to investigate this account and update these payments to show as paid on time immediately. Thank you for your help and understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Manager ; ***please see the attachment**** Im really shocked on what Im seeing right now! - If you see this negative account listed below on my credit report, you will noticed that there is no way that this account was indeed investigated truthfully through your organization. 

For example ; this XXXX XXXX # XXXX thats reporting on my credit report as a CHARGE-OFF / COLLECTION is claiming to have a 3 DIFFERENT HIGH BALANCED, 3 DIFFERENT DATES OF LAST ACTIVE, 3 DIFFERENT DATES OF LAST PAYMENT, REPORTED ETC. Also youre reporting the account closed but you have failed to report or list the closing date or date of 1st delinquency which determines when this account drops off my credit report.. As you know the aforementioned inaccuracies, misleading, and incomplete information is a violation of my rights as a consumer, and also clear indication that this information was never truthfully verified by your agency upon receiving several of my previous disputes. I have faith in your organization to be an outstanding company and protect the rights under the provisions of FCRA. As screenshot of my credit report below, please send me updated copy of my credit report with the above deletions reflected. Ive asked on several of my dispute that creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account, because upon reviewing my credit, I have noticed so many discrepancies with the way it was reporting including questionable balance, questionable and inconsistencies of dates of last active, last payment, last reported, etc. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
Product: Credit card

I have had XXXX credit cards from the same banking institution for many years. XXXX has an interest rate almost double of the other XXXX. I wanted to get that higher rate lowered at least a little bit. I hit a brick wall when calling the Customer Service number on the back of the card. I went to a local branch and spoke with the Branch Manager. He was very helpful and informative and said he 'd contact his counterparts in the Credit Card Division and see what could be done. He called me back within 24 hours saying he 'd hit the same brick wall. The Credit Division was adamant in their stance that the rate remain at almost 25 % when the other XXXX cards were lower than 12 %. I want to know why they wo n't even talk to me or the Branch Manager about how to get the interest rate lowered.
Product: Student loan

I contacted FedLoan Servicing via secure email on XX/XX/XXXX seeking additional information about my federal student loans. A copy of the text of the message I sent them on XX/XX/XXXX is attached as Letter to FedLoan XXXX.rtf. To date, I have not received any contact or additional information from FedLoan Servicing regarding my inquiry. As it is my current understanding from information available online, FedLoan 's contract with the US Department of Education will end on XX/XX/XXXX and that FedLoan will soon cease to exist, I hope to receive information in a timely manner, which has not yet happened. Given the updates put out by the Department of Education, I am seeking review of the following payment periods : Loan Sequence 3, Period XX/XX/XXXX ; Loan Sequence 4, Period XX/XX/XXXX ; Loan Sequence 5, Period XX/XX/XXXX ; Loan Sequence 6, Period XX/XX/XXXX ; Loan Sequence 6, Period XX/XX/XXXX ; Loan Sequence 7, Period XX/XX/XXXX ; Loan Sequence 8, Period XX/XX/XXXX ; Loan Sequence 8, Period XX/XX/XXXX ; Loan Sequence 9, Period XX/XX/XXXX ; Loan Sequence 10, Period XX/XX/XXXX ; Loan Sequence 10, Period XX/XX/XXXX ; Loan Sequence 11, Period XX/XX/XXXX. Further details can be found in the Letter to FedLoan XXXXrtf attachment. I would like clarification whether these payments count under the new policy or if any additional steps are required to have them count under the new policy. If the payments remain ineligible, I would like a detailed explanation as to why that is the case. I am especially confused as why some payments from some of the same loan sequences counted for periods XX/XX/XXXX and XX/XX/XXXX but not XX/XX/XXXX. I also attached FedLoan 's previous confirmation of my employment with the State of Maryland at the time in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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

In the month of XX/XX/XXXX, I made a payment for XXXX prior to my statement balance date ending on XX/XX/XXXX. Prior to making a payment, I owed {$380.00}. I paid one month, XXXX before my statement balance ended. After I paid, on the following day, XX/XX/XXXX, I was told that I was XXXX dollars short of my payment and I will be reported to the credit bureau in 2 days and I was. After all of the years of being a longtime XXXX XXXX customer for 6 years, making one late payment in XXXX and XX/XX/XXXX due to an illness and job reduction, I was recently reported late 30-60 days late to all 3 credit bureaus. This is very disappointing, and disgraceful. My husband and I are currently pending for another mortgage loan and due to this late payment, I can no longer qualify. This is a big loss for me and my family and I would like for my report to be updated and/or reimbursed for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living being, and I have rights under 15 USC 1681. Equifax is governed by 15 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The descriptions provided for me did not really describe my complaint. 

The Law Firm of Blitt and Gaines infringed upon my common law copyrighted private property. I informed each of the partners in writing of this infringement and gave them time to respond. They did not respond in time and, therefore, accepted my terms as outlined in the notice by written communication. 

I then sent each of the partners an invoice for the amount of infringement. I have not been paid. This means that they did not report the claim to their bonding company which is a felony. 

Not only did they not report this but they continued infringing on my property for which I will submit another invoice. I just want to get the first part of this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be the XXXX attempt to stop XXXX from reporting XXXX closed accounts for the US Department of EducationXXXX and XXXX closed accounts XXXX/Dept of Education on my credit report XXXX These accounts have been closed since XX/XX/2020 and XX/XX/2020, respectively. They do not show as open accounts on XXXX and XXXX which I also explained to them on the forms and in a letter. The impact of having this information displayed on my account as open has kept me from being able to rent/lease a place to live because my credit score is too low ( XXXX ) and it shows reason code : 11 - The total of your delinquent or derogatory account balances is too high. We currently live in a hotel. 
Secondly, I have asked more than 3 times for a duplicate account from XXXX XXXX XXXX XXXX XXXX Colorado to XXXX removed from my credit report. The company charged me twice for the same day of service and the bill was paid in full by my insurance company. They never send any documentation to my email address, they only tell me " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account #. Where is the proof? I have even written XXXX XXXX of Colorado and XXXX XXXX XXXX and neither of them have emailed any verification documents or proof either. 
The information contained on one credit reports should be exact or at least similar in content and XXXX is always different and the worst when it comes to depicting someone's owed or owned debt. I am disputing these items every 3 months, if necessary, until they remove it or until I contact the Office of the Attorney General. I don't want to live in a hotel forever but until they remove the closed accounts for US Department of Education and XXXXDept . of Ed, and the duplicate account for XXXX XXXX XXXX, we will continue to live here because my credit score will never be high enough to rent or lease a place outside of here.
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 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: Debt collection

I paid this account in full do not owe. I talked to customer service reps several time saying I still owe. I am being harassed at home and by mail. Harsh collection tactics
Product: Debt collection

This " XXXX XXXX XXXX '' payday loan originated in XX/XX/XXXX. The supposed current balance is {$1400.00}. The statute of limitations in Michigan is 6 years. In addition, the interest is far beyond what Michigan allows for pay day loans. For over 5 years, I never received any correspondence for this account, nor any calls. This items popped up on my credit report out of the blue over 5 years later in XX/XX/XXXX. I don't feel this is right and given the timing and criminal interest, feel this item should be removed from all 3 of my credit reports. XXXX just denied my request to do so. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Images I included are from XXXX  XXXX  and messages in past years I received from them. I also have other documents from local courthouse. XXXX refuses to give me any statements Images reflect loan was taken out in 2018 and other image shows it the following year opened up.. only one home reported on my credit wihich its not deeded to me and Ive never made a payment whatsoever
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

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

Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$1000.00} Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$840.00}.
Product: Credit reporting

I have requested several times for Equifax to investigate things appearing on my credit and have yet to receive any response in writing from them. A request for information was mailed to them the following days : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, last one mailed XXXX/XXXX/2015. Then contact was attempted via phone only to be told to forward the same documentation that was supplied in each mailed correspondence. I was informed that information would not be released until the documents were forwarded for which I did on XXXX/XXXX/2015. I also called again today and spoke to XXXX.He checked his records and said that everything was okay and that the address was not updated until 5 days ago XXXX/XXXX/2015 and unknown as to why it took so long only to be told it was systems error. I have not had any problems receiving information from XXXX nor XXXX and that includes scores.
Product: Mortgage

I am very upset at how Carrington is forcing me to pay their attorney fee and court cost. Their attorney doesn't represent me so why should I have to pay their fee along with the court cost that they pay. Why do I have to pay them back! My first bankruptcy I didn't have to. But my second bankruptcy Carrington is trying to get all the money they can out of me! It was XXXX XXXX XXXX at first now Carrington is demanding that I pay their attorney fees! Carrington has the money to pay their own attorney! But instead, I have to add their attorney fees in my bankruptcy plan!
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

I am a retiree. I am writing regarding a health savings account, with Optum Financial, previously called Optum Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. I have tried four times to close this account and get my remaining money out. I have been repeatedly assured the account has been closed, and I would receive a check within about 10 days. Each time, the check has failed to arrive. After looking online and finding hundreds of complaints about this bank, I am reporting it. It is a travesty when most bankruptcy occurs via medical debt, and our health insurance system is broken, and powerful interests want to eliminate Medicare and Social Security, and etc., that people who save money for health care are being treated like this. I tried to close this account on XXXX, XXXX, XXXX, and XXXX. Believe me, I have complained to them with increasing intensity. Apparently the bank changed in management during this period, however, the same problem has occurred with both the old and the new management. Something needs to be done. Thank you XXXX XXXX. I never expected to need the services of the CFPB. I never expected that an actual bank could get away with something like this. Also, I believe Optum is owned by XXXX XXXX. Is this not a major health insurer? This is just a travesty, that these big corporations who hold such power are failing so badly.
Product: Credit reporting, credit repair services, 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 deleted : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$910.00}
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card

If I am reading my statements correctly, it appears Bank of America has been incorrectly calculating interest payments on my credit card account since at least XXXX of last year. The amount that I am being charged interest on often exceeds both the previous and current balance. Having made no purchases or cash withdrawals on this card as evidenced on said statements, the amount of interest I'm being charged on cash withdrawals increases every month along with the minimum payment due, despite the total balance going down. Normally, I would assume this is the kind of thing you could get cleared with a 10 minute phone call. Prior to this incident, I have nothing but praise for Bank of America. Why would Bank of America want steal money from a customer who never misses a payment, is carrying a balance, and prior to recently being the target of coordinated fraud; maintained a credit score over XXXX. However, XXXX XXXX  really made their point with the statement error notifications. Notifications wherein, purchases incorrectly classified as fraud are placed next to unrefunded XXXX 's purchases they eventually reverse, are referred to statement errors. I assume the emails with XXXX XXXX promising myself I wouldn't be dealing with XXXX and XXXX XXXX calling me uncivil right before needing to stop XXXX  from stealing more packages was helpful.
Product: Checking or savings account

Today, XX/XX/24 I used my debit card for atm withdrawal, but this bank enabled transaction to convert to credit card draft, charging a {$23.00} fee without my authorization. 
This demanded my driver 's license to be recorded & signature required, the very definition of data mishandling. An audit is highly recommended.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Law Requires information to be reported Accurate and Complete according to the FCRA.

The Accounts listed are all inaccurate and unauthorized accounts which are a violation of my consumer rights.