23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I made a wire transfer after which I go a call for verification which I did and the next thing they said account is getting closed and I have to wait for months to get my check in the mail
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I delivered a notice of revocation of any authorization ( s ) I have given XXXX XXXX XXXX XXXX Bank to ( i ) obtain credit bureau reports and other information about me from time to time in connection with servicing or collecting my Account, making me aware of products and services related to my Account and for any other purposes. ( ii ) verify my age, social security number, residence and other identifying information with the credit bureaus. ( iii ) Report information about my account to credit bureaus such as late payments, missed payments, or other defaults on my account which may be reflected in my credit bureau report. Under 15 U.S. Code 1681b- Permissible Purposes of consumer reports ; any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX or any of its non-affiliates ( XXXX, TransUnion, XXXX ) have my consent or authorization to furnish a credit report without my consent. Any delinquent items reporting on my account shall be removed immediately. This includes all late payments in my consumer report under my account with XXXX XXXX XXXX XXXX  XXXX If XXXX continues to report any unauthorized information about me to the credit bureaus, they will be doing so unlawfully and won't be in compliance with the Privacy Act of 1974. I have withdrawn all authorizations that I have given to the company to furnish and consumer report and this also applied to the credit reporting agencies.
Product: Credit card

I received a XXXX Form XXXX from Department Stores National Bank, XXXX XXXX, SD for default on a Macy 's Credit Card. I sent a letter on XX/XX/XXXX asking for a corrected XXXX showing this was cancelled ( copy attached ). I have never had a Macy 's Credit Card. On XX/XX/XXXX, I received a letter from the IRS ( copy attached ) and subsequently sent a letter to the Payer 's Name listed in the IRS letter asking for a corrected XXXX. The letter was returned undelivered. The IRS is billing me f for taxes on this bad debt which does not belong to me. 
I want a cancelled XXXX clearing me of this debt that I do not owe along with a copy of the credit application showing where, when and by whom an account was opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute regarding a bankruptcy on my credit report with Equifax many times since 2020 and they continue to close out the dispute within a couple days, stating that it has been verified. 

When I asked them to provide me with information on who verified the Bankruptcy, they ignored me. I was able to find on their website that they verify all public records with XXXX XXXX so I reached out to XXXX XXXX and they were not able to verify the bankruptcy so they deleted the bankruptcy from their reports and they sent me a letter stating that ( attached ), along with a new XXXX XXXX report showing the report was removed. 

https : //equifaxconsumers.XXXX  I also sent the courthouse where the bankruptcy on the report is stating the bankruptcy is from, asking if they verify any bankruptcies with any credit bureaus and they also sent me a letter back stating that they do not verify any bankruptcies with any credit bureaus. ( attached ) I sent all this information ( letters ) to Equifax via certified mail and they received it on XX/XX/XXXX, proof of delivery is also included in this complaint. I called Equifax today because there have been no remarks added to the bankruptcy about the dispute since the XXXX and the person I spoke with, told me that the dispute was opened and is already closed ( Confirmation # XXXX XXXX XXXX ). He said the notes in that dispute simply state that bankruptcies stay on a report for 10 years. This shows that Equifax doesn't do any actual investigations and the person I spoke with also confirmed that he saw my letters and Equifax still refused to do any actual investigation of their own. He said there was nothing he could do except open another dispute ( Confirmation # XXXX XXXX XXXX ). 

This needs to be deleted from my credit report if they can not verify the bankruptcy within 30 days. The OCR and E OSCAR verifying this info is not recognized as proper validation.

At this point, I have no choice but to open a complaint with the CFPB in hopes of getting this resolved, they have made a serious impact on my credit for something that doesn't belong to me. My next step will be legal action against Equifax if this is not resolved.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX there was a letter sent to Experian asking them to verify what I believe to be incorrect information reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payments for XXXX and XXXX, XXXX are incorrect. I made the payments on time, as confirmed by my bank statements, which show that the payments were processed and cleared. The late payment status of " 30 days late '' is, therefore, inaccurate and should not be reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft DSNB MACYS Account Number : XXXX This is not mine. 

5. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

8. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

11. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be updated. 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 TRANSUNION 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 or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX & XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have a loan with NAVY FEDERAL CR UNION. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVY FEDERAL CR UNION with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Debt collection

XXXX # XXXX sold a debt to a company called afni XXXX saying I owe them but I never receive the phone and I wanted my down payment back and the company saying i have got the phones and that making treating calls telling me the calls was made from the phone that I called on and the called that wasnt in my name using refusing me to validate the debt I ask for she told me. she only sending me a bill. the agent XXXX and XXXX they also made a call while I was on the phone during the called which she did without my permission using tatic to get me to say I know my I got the phone using XXXX  tone forcefully making me upset XX/XX/year> XXXX and XXXX pm they are using treating calls and telling me what I can do or not to when asking for valdation on how you got the debt I would like to Cease And Desist asking me why I need XXXX phones and why I need XXXX phones not giving them fully access I gave them my year of birth saying they got into the account lying using tatic which I didnt give them my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX is listed as a hard inquiry on my Credit Report, for which I have no knowledge of nor have I contracted with them. XXXX/XXXX  has not provided any contact or account information so that is verified or validated. On my credit report simply indicates " No contact information has been reported by this creditor. '' This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. If they can not provide a breakdown of fees including any collection costs and charges, provide a copy of my signature with the provider of service then I demand that they cease any credit bureau reporting until debt has been validated by me.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally lodge a complaint regarding an issue I encountered with Experian related to the removal of a remark from my credit report and the subsequent resubmission of that remark without proper certification, which I believe violates federal law. 

On XX/XX/year>, I contacted Experians customer service and spoke with a representative named XXXX ( confirmation number : XXXX ). During this conversation, I was informed that a remark associated with my credit accounts from XXXX and XXXX XXXX had been removed. However, this remark was later resubmitted to my credit report without the proper certification as required by federal law. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that credit reporting agencies must ensure that all information reported is accurate and verifiable. It is my belief that Experian has failed to comply with these requirements by allowing XXXX and XXXX XXXX to resubmit the remark without a certification, which I understand is required for such actions. 

I respectfully request that your office investigate this matter thoroughly. The resubmission of this remark without the necessary documentation appears to be a clear violation of federal regulations, and I am seeking your assistance in ensuring this issue is corrected and that my credit report is accurately updated. 

For your reference, I have attached any relevant documentation, including my communication with Experian, the details of the remark in question, and any supporting records. 

I look forward to your prompt attention to this matter and appreciate your efforts in ensuring fair and legal credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I had a security freeze placed on my credit ( see attached ), for which I paid {$3.00}. Recently, when I logged in, I see that the security freeze has been removed without my permission. I have tried calling the company ( Experian ) multiple times on multiple days but can not get through. I have tried sending them the online forms on their website but these do not work at all! I just get error messages which make no sense. 

This is especially distressing because my house was burgled and personal information was stolen in the last couple years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problems started yesterday ( XX/XX/2021 ) I tried to open access to my personal information for the co-op where I buy an apartment. Utter disappointment awaited me, when I came across the service provided by Equifax. First of all, I couldn't open my own page, although I have all the passwords written down. When I called the support service, the agent arrogantly started asking me some questions that I don't even have to remember. Then she tried several times to send me a verification text, but the program DID NOT WORK, although I followed all the instructions step by step. Then she tried to send me a message to my email ... .. and it didn't work either. In the end, I asked for help from a manager, who also, after several attempts to help me, interrupted our conversation and turned on the social survey .... Name of the manager is XXXX ( XXXX ) I couldn't even evaluate the agency 's work because the social survey system didn't work either. Then I went to XXXX and contacted the Equifax agent there, but received nothing but apologies in response. Unfortunately, NO co-op will wait for this information forever and I may just lose the opportunity to purchase my apartment in the desired location. I highly recommend this company to take an example from two other agencies ( XXXX & XXXX ), which are both easy and pleasant to work with! XXXX XXXX, XXXX, NY
Product: Mortgage

Treatment by my mortgage company ( Seterus ), SPOC document issue, Unknown fee on a payoff.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This SW CRDT SYS account with a balance of {$500.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. .If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Checking or savings account

I can obtain the bank records of the exact amount of charges from ATM 's that I have had from various banks ; including Navy Federal which caused me to go into overdraft. I had direct deposit. I would like to be reimbursed for all of the monies that I lost pertaining to the {$95.00} XXXX dollar class action lawsuit. Thank you in advance for your assistance.
Product: Debt collection

Choice Recovery ignored my first letter for debt verification. I send a send letter for debt verification in which i received correspondence, however Choice Recovery still failed to validate the debts the allege I owe. Choice Recovery is violating FDCPA and FCRA.

Please see the attached letter sendt to Choice Recovery
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contact ( Experian Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ EXPERIAN ] and I noticed Multiple unauthorized inquiry had been made. 

I contacted [ EXPERIAN AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ EXPERIAN AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter. 
Here 's The Following Inquiries .... 

1-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

2-XXXX XXXX XXXX XXXX, XXXX 3-XXXX XXXX ( Its Duplicated IT ONLY SHOULD BE 1 NOT 2 OF THE SAME INQURY FROM XXXX ) XXXX XXXX, XXXX 4-XXXX XXXX  XXXX XXXX, XXXX 5-XXXX XXXX XXXX XXXX XXXX, XXXX 6-XXXX XXXX XXXX XXXX, XXXX 7-XXXX XXXX XXXX XXXX, XXXX 8-XXXX XXXX XXXX, XXXX 9-XXXX XXXX XXXX XXXX XXXX, XXXX 10-XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

There are 3 collections reporting on my credit that do no belong to me I have ID theft, I have sent numerous letters to the collection agency and the credit bureaus and they have not removed them. 
SEQ FIN SVCS/XXXX XXXX  XXXX XXXX XXXX XXXX ) COLL ( {$4300.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) COLL ( {$440.00} ) XX/XX/XXXX XXXX XXXX SEQ FIN SVCS/XXXX XXXX XXXXXXXX XXXX ( XXXX ) COLL ( {$760.00} ) XX/XX/XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My account with wise ( formerly wise transfer ) was deactivated and all efforts to get it activated back has been void. I need the account to be working cause I make use of the service to send funds to my love ones and family abroad. 
So please I will be delighted if my complain is given attention Thanks XXXX XXXX
Product: Debt collection

They have repeatedly called me 1-4 times daily as well as sent text messages that were more than the ALLOWED limited content message laws. This is harassment at this point