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

I looked at my report back on XX/XX/XXXX, 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. These accounts [ XXXX XXXX XXXX XXXX XXXX # XXXX ], [ XXXX XXXX XXXXXXXX & XXXX # XXXX ], [ XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Acct. # XXXX ] [ XXXX XXXX XXXX Acct. # XXXX ] are not complete and accurate . 

And one more thing 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.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. I looked at my XXXX credit report on XXXX XXXX, 2024 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 possibleaccuracy of the information concerning the individual about whom the report relates according to 15 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 generallf, 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 thereinvestigation ; 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, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XXXX I called TD Auto Finance via phone, on a recorded line and, requested that a payment of XXXX be applied to my loan as a Principal Only payment. A payment of XXXX  was applied to the Principal and {XXXX was applied to the Interest. I understand this is a common practice of big Financial Institutions to get more money by disregarding the instructions of their customers and, preying on the ignorance of the consumers. If you request the details and activity of my account, with the exception of my first initial payment, all of the other payments have been applied to principal only, this is not a mistake on their behalf, but a common practice of many fraudulent activities to charge more interest to each and every consumer.
Product: Credit card or prepaid card

- I had an XXXX issued Fidelity Rewards credit card since XX/XX/XXXX. On XX/XX/XXXX, I made my usual online payment from my XXXX checking account of the balance of the XXXX card which was {$740.00} and received a confirmation number for the payment. On my next statement, I see that the payment has been reversed and I have been charged a " Returned Payment Fee ''. I call XXXX and they explain the reversed payment and the fee are due to my checking account not having sufficient funds at time of payment. I call XXXX and they confirm that my checking account DID have sufficient funds, also they have no record of XXXX electronically requesting payment. 

- In fact, this issue occurred at least twice before. My on-time payment on XX/XX/XXXX of the balance {$3800.00} was reversed on XX/XX/XXXX and a Returned Payment Fee was also applied. In this case ( and one other case for which I do not have the dates/amounts on hand ) I was able to get XXXX Customer Service and XXXX Customer Service on the same conference call, XXXX stated that their payment request was returned with a response of " insufficient funds '' and XXXX replied that I had sufficient funds on the payment transaction date and that they never received a request for payment from XXXX. Ultimately it was decided there was a glitch with the electronic payment system and the returned payment fees were dropped from my account and I rescheduled the balance payments. 

- For the instance on XX/XX/XXXX, the Customer representative I spoke to at XXXX refused to participate in a call in XXXX, or contact XXXX on a separate call to verify that I had sufficient funds on that day, or to address my issue at all. Since this problem with payment has occurred at least three occasions, two which took considerable time and inconvenience to resolve, one which is still unresolved, I decided to close the credit card account. I paid off the purchases. I did not pay the returned payment fees or the interest because if my payment had been processed as scheduled, there would not be any interest or fees.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 60 days 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 8
Product: Credit reporting

I never lived atAddress : XXXX XXXX XXXX XXXX, WI XXXXAddress identification number : XXXXType of Residence : Single familyGeographical Code : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has basically no security. 

My identity was stolen ( name, XXXX, XXXX, etc... ) and this person is allowed to call in to Experian and change my information, unfreeze my credit, and get info from them without any two-factor authentication or checks that it's really me. 

They could change my password or my username, locking me out of my own account. They're unfreezing my credit or changing my address at least twice a day while also using my SSN to open accounts at retail locations in order to purchase high-dollar items. 

I don't know what to do and it seems like the credit bureaus have no oversight, security, or reason to help me. 

Please help me. Whoever stole my identity knows what they're doing and nobody is taking any action
Product: Credit reporting, credit repair services, or other personal consumer reports

Company was negligent with customer data, with the result of putting the entire system with which the country does business at risk. The data that was stolen may invalidate the way we bank, secure our financial reputations, and are identified by the government. This does not even include the extreme risk of personal identity theft and the loss of money, time, and emotional wellbeing that goes along with that.
The additional information that Experian has lied overtly in their online web portal by randomly reporting if customers are victims of the hack is further evidence of their willful negligence.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an incorrect credit reporting but I have items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an incorrect credit reporting, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : Equifax : XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$450.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit card

I called to enroll in a hardship program with XXXX XXXX ( Issued by Continental Finance ) back in XXXX in which the interest was supposed to be lowered to 5 % starting when I made the first payment of {$58.00}. I made the payment and when I got the XXXX statement I saw I was charged 25.49 % interest ( although there were rows that indicated the 5 % it said XXXXXXXX XXXX billed at that rate ). I called to inquire and they asked that I give it one more month since my payment was so close to the billing statement date. 

Looking at the XXXX statement I am still being charged 25.49 % interest so I called back today ( XX/XX/year> ) and was now told that my interest rate would not go down to 5 % until after the THIRD payment. ( This month the 5 % doesn't show anywhere ) That IS NOT what I agreed upon nor what is stated on the confirmation letter from XXXX for the hardship program.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is just troublesome! The Credit Bureaus have been ignowing my letters as well as theiur reposibility to comply with the FCRA section 605b! I have been sending multiple letters asking for the Credit Bureaus to remove the dispute accounts and information from my Credit Report for I believe I have been a victim of identity theft. The last letter I sent was dated XX/XX/2022 with complete attachments of my personal information such as my Driver 's license as well as the ID THEFT REPORT I received from the FTC. I have been a vitim of identity theft and that the Items I am disputing were the results of such crime. By th provisions of the FCRA section 605b, I am submitting this CFPB Complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report as soon as possible : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$760.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the incorrect information on my credit report. Upon review, I found accounts that are not mine, indicating identity theft. These fraudulent accounts have been removed by other credit bureaus, showing inconsistency in your records. 

I have contacted the companies associated with these accounts, and they have confirmed that the accounts were fraudulent and removed them from their records. However, these accounts are still listed on my report with your bureau. 

Please block the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters requesting proof of authorization to access my credit report and my request have been ignored and I have not received any correspondence from them. 
I was told by by XXXX that the inquiry would be removed since XXXX XXXX didnt respond to the request of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is a copy of my Affidavit of Truth dated XX/XX/2022 which I sent a notarized copy to XXXX reporting inaccurate information on my consumer report. I Demand you follow the 2 Acts that govern and control the credit industry. FCRA and FDCPA. According to 15 USC 1681E ( b ). I am entitled to an accurate consumer report. I demand you remove all these inquiries from my consumer report.
Product: Credit card

XX/XX/year> I was asked to pre-pay for nitrous for my XXXXXXXX XXXX  of {$100.00} scheduled for XX/XX/year>. 
XX/XX/year> I canceled the XXXX biopsy well within cancellation policy. I asked for my {$100.00} deposit back. XXXX at the front desk told me NO. She would hold the {$100.00} for any other bills I may have. I HAVE NO OTHER BILLS. 
In the interim, I filed a complaint with the State of Michigan Attorney General. XXXX XXXX responds stating he had no idea, of course money should be refunded. He says not fighting charge dispute. ( ATTACHED ). 
CITI will NOT rule in my favor and close this case IN SPITE of written letter from XXXX XXXX. 
CITI sent me a thing that they can not get refund from merchant? ( ATTACHED ) I have been sending info to CITI to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX renewed a equity line after the house had been sold. The account owner had Paid off and closed the account down. To find out the account was opened back up without anyone 's approval and the fee was assessed to the account and was reported as delinquent. The bank was told on several occasions to close the account. Now I 'm having trouble getting a home loan.
Product: Credit reporting or other personal consumer reports

In accordance with THE Fair Credit Reporting act Convergent Account XXXX XXXX XXXX Re Acct # XXXX, has violated my rights. 

15 U.S.C 1681section 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: Debt collection

The dealer who handled my documents did not properly transfer the title, leading the vehicle to get repossessed. He misused my Identity ( ID fraud ) In the interim, he prolonged the time in correcting his mistake, resulting in the car to be sold. I then contacted the initial financing company ( Westlake ) explained the situation and provided them with documentation. Because I was left without a vehicle after financing it, I went to the Dept of Motor vehicle and put in a complaint. Upon the DMV 's instigation, the dealer was fined for faulty practices. I have contacted the collection company in regards to this matter as well as Westlake Financial to properly report on my credit report. I gave Westlake the police report, showing the vehicle was repossessed due to the title not matching the plates and then sold and I had no longer possess the vehicle. XXXX stated they will not collect the balance on this account because I provided proof of the fraud that was committed. However, they continued to report this fraudulent debt on my report.
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 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 a account without my written instructions 15 usc 1666 b : A creditor my not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

First Source Advantage and XXXX XXXX XXXX are trying to collect on accounts I do not recognize. I have repeatedly asked for proof that I opened these accounts and authorized the charges, but both companies have failed to provide any full transaction history or documentation showing that I personally opened or authorized any of the accounts or charges. 

During my time on hospice care, many people had access to my devices and accounts, none of whom had permission to open accounts or make charges on my behalf. Despite this, neither company has been helpful in investigating these unauthorized charges or providing verification. Both companies are now continuing to collect without proper verification, and XXXX XXXX has even re-aged accounts and re-reported them after removing them to avoid verification. 

I can not investigate whether these accounts or charges are legitimate without the full transaction histories and proof that I personally opened these accounts. Due to their refusal to assist, I now request that First Source Advantage and XXXX XXXX XXXX take full responsibility for proving that I opened the accounts and authorized every charge. If they can not do so, they should stop all collection efforts and remove the accounts from my credit report.
Product: Debt collection

I have XXXX ( XXXX ) XXXX XXXX credit cards that show on my credit Report. XXXX ( XXXX ) are current and are in good standing. However XXXX ( XXXX ) are old from XXXX and actually exceed the XXXX ( XXXX ) year XXXX of XXXX  in the XXXX of XXXX XXXXnd these accounts should actually be deleted from my credit reports. 

The XXXX ( XXXX ) older accounts are owned by Portfolio Recovery Associates. I have contacted them, attaching a copy of their own documents proving the dates of last activity on each of the accounts being more than 7 years ago ( XX/XX/XXXX ). 

Therefore, it is time that these accounts be removed from my credit report.
Product: Mortgage

My current loan company, Caliber home loans, paid taxes on a parcel number that was not mine, and was actually discontinued before I bought my property ; from my escrow account and now will not refund my money. To add insult to injury, they are wanting me to pay more money into my escrow account for my taxes when they used my money wrongly. They made XXXX payments of XXXX $ to parcel XXXX and XXXX payments of XXXX $ to parcel number XXXX, neither of which have ever been mine. Total of {$2700.00} which was removed from my escrow account and never returned. I also paid an installment for XXXX for XXXX $ I have filed many complaints and have been trying to get it solved for over a year now. They told me to give them more time. I called in 3 months, and the representative had told me they closed my compliant without resolving it or refunding my money. I want some one to be held responsible for this error and want my money refunded into my account instead of them trying to take more money from me. I have always paid everything on time and all my paperwork and payments have been on time. Please help me solve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One Auto finance on XXXX XXXX XXXX at XXXX to request an extension for my XX/XX/XXXX payment. XXXX advised i wasn't eligible for an extension, however, stated there were other options available that would prevent any negative credit reporting/ 30 day late notices. XXXX of the options she gave, was to schedule my payment to be debited from my account on XXXX XXXX, XXXX. I specifically asked her if she did this, would it prevent my account as showing 30 days past due for XXXX, and she advised YES, it would stop 30 day late notice to credit agencies. I agreed to have payment scheduled on XX/XX/XXXX, due to the false information given to me by the capital one representative. I have never been late on the auto loan since the account was opened in 2020. I'm in the process of buying a home, and this error caused by the capital one agent has impacted my credit score negatively. Had i known that the account was going to be reported as late, i would have made arrangements to pay prior to XXXX XXXX. Please resolve this error by removing 30 day late notice on all credit reports. This error was caused by misinformation given by a capital one representative.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX acct. # 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.