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

I acquired my credit report and asked the credit bureaus to check and make sure that everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice and everything was still the same on accounts ( 1 ) name : XXXX XXXX Account # XXXX ( 2 ) name XXXX XXXX XXXXXXXX Account # XXXX ( XXXX ) name : XXXX  XXXX Account # XXXX The consumer reporting agency which is Experian did not modify or remove anything. 

The date open is not correct, date last active is not correct and the date of last payment is not correct, also the amount owed is not correct on all three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

Experian has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX Balance XXXX {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX broke the arbitration agreement they put in place by closing my account and posting late payments ( see attached ). XXXX, XXXX, and Transunion should not be showing late fees or closed accounts on my consumer report. Also there was no adequate notice given, according to 15 USC 1602 ( k ). My most recent reaching out to them was XX/XX/2022. Also I do not consent to E Oscar for verification.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN 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 ( MONTHS REPORTING LATE ) 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. 


EXPERIAN 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

My account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Mortgage XXXX XXXX was never late! I have had exceptional payment history witH capital 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 those account 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I purchased a Vanilla gift card from XXXX, only to find that it had no available funds. When I contacted the customer service hotline at XXXX, I was connected to a call center in XXXX. I was assured that a replacement card would be sent to me via XXXX within 3 to 5 days. However, I have yet to receive the replacement card as promised. 

This experience has been extremely frustrating and disappointing
Product: Debt collection

XXXX XXXX XXXXXXXX account has been closed for a few months. XXXX has been closed. XXXX XXXX XXXX has been closed. I never opened a XXXX   account. I never had a XXXX XXXX account. Never opened a XXXX XXXX account XXXX XXXX has been closed for years. Opened XX/XX/XXXX and closed not sure of the closed date. 
I have never lived in XXXX XXXX, In. and never opened a XXXX XXXX XXXX account. That stated in XX/XX/XXXX? XXXX has been a closed account for years. Opened in XX/XX/XXXX and closed XX/XX/XXXX. I have never been to a XXXX XXXX. Said I opened an account XX/XX/XXXX. And closed XX/XX/XXXX. Never had it never used. XXXX  never opened a XXXX account. Opened XX/XX/XXXX and closed in XX/XX/XXXX. Never owned a XXXX card ever. XXXX XXXX {$840.00} even opened in XX/XX/XXXX closed in XX/XX/XXXX never had that account. XXXX opened XX/XX/XXXX last payment of XX/XX/XXXX? Never opened a XXXX credit in those years. Closed stated XX/XX/XXXX. Never had a XXXX card in those years. I have one NOW YES, but not in THOSE years. I never lived in zip code XXXX nor did I ever live in zipcode XXXX. This is all very concerning for myself and my credit. We need to have these looked at and someone contact me as soon as possible. XXXX XXXX
Product: Debt collection

In XX/XX/year>, after moving out of my residence at XXXX XXXX XXXX, XXXX, I received a communication from Columbia Debt Recovery, LLC regarding an alleged debt related to move-out charges. The amount claimed is disputed because there is no contractual agreement between me and Columbia Debt Recovery, LLC that would make me liable for these charges. 

During my tenancy, I was approved for the XXXX rental assistance program. The agreement I signed, along with a bill released by the governor at the time, explicitly stated that certain charges related to the assistance program could not be sent to collections. Despite this, the company has continued to pursue the debt, claiming I owe move-out charges that should have been protected under this agreement. 

After receiving their communication, I requested physical validation of the debt, which they provided. However, I was never sent a physical letter to dispute this debt, as required by law. Additionally, this validation did not include any contractual agreement between me and Columbia Debt Recovery, LLC or XXXX XXXX XXXX, XXXX that would make me responsible for these charges. Therefore, I am disputing the validity of this debt and seeking the removal of this account from my credit report due to the lack of a legitimate contractual basis for the claim, the improper handling of the XXXX assistance agreement, and the failure to provide the required physical notice.
Product: Debt collection

I have previously Filed a complaint against XXXX XXXX XXXX in XXXX with both the CFPB and the XXXX XXXX XXXX CFPB referred the complaint to the regulator and XXXX XXXX XXXX located in XXXX responded to my XXXX  complaint. I accused them of committing Fraud and they responded. The debt was a result due " errors '' with a 3rd party contactor who is no longer in business and they no longer had access to phone calls or documentation ( convenient ) they apologized and informed me they were recalling the debt and closing the account. 

Today, I received a collection letter from Cascade Capital Funding , LLC with two bills that XXXX said resulted out of " error ''. XXXX XXXX XXXX states the original invoice maybe XXXX, but the balance was forwarded to them for collection '' the Letter States the communication is also a validation of debt. First, that's not a validation of debt, if you can't say definitively if the original account had a XXXX balance or not than you are lying about something or holding back crucial information. ( did I mention, I have a letter, that I have included from XXXX stating the debt was a result due to error ). 

I believe the collection agency attempted to deceive by omitting crucial information in this really bad attempt to confuse me which is in violation of the FDCPA. XXXX XXXX XXXX has also violated the FDCPA by knowingly and continuing to harass me into paying a debt, they themselves have admitted in writing via the Better Business Bureau was a unfortunate mistake ( it was not a mistake, it was fraud ). 

So as I start writing this complaint, and I realize the information for the Original Creditor on the XXXX is XXXX XXXX XXXX of Florida with XXXX XXXX XXXX XXXX XXXX 's address. So, I start to dig and find out XXXX XXXX XXXX of Florida was sold in XXXX, but the bill states date of service for XX/XX/XXXX. so i received a bill from a company, that stopped existing 3 years prior. But I just communicated with XXXX XXXX XXXX via the XXXX 

Well, XXXX XXXX XXXX of Florida was subsidiary of XXXX XXXX XXXX in XXXX, which is a subsidiary of XXXX XXXX XXXX in Texas which is the corporate office who sold XXXX XXXX XXXX of Florida after it caught the attention of the powers that be the OIG. XXXX XXXX XXXX in XXXX is now called XXXX XXXX in XXXX just want to clarify that, they tend to take advantage of the confusion this may cause some people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to do a proper investigation regarding this fraudulent account that appears on my credit report. I have made Equifax aware of this alleged medical debt that does not belong to me numberous times. They continue to update my credit report stating that this account meets " FCRA requirements '' in an attempt to pretend like they are doing an investigation when all they are doing is updating the date and relying on the collection agencies false reporting. They are solely relying on the original source XXXX XXXX XXXX XXXX ) as verification that this account belongs to me. The address attached to this account is an address that does not belong to me ( see Attachments ) On XX/XX/2020 I filed a lawsuit against XXXX XXXX and XXXX XXXX XXXX. However Equifax has a duty to conduct a real investigation outside of the original source. As a result of Equifax Failure to conduct a real investigation, They have defamed my character by reporting an account that is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. 

I have filed an FTC report with report number XXXX.
Product: Debt collection

I moved out of my condo that was being represented by XXXX XXXX and XXXX. I cleaned every inch of that place and even left keys and submitted receipts for the carpet cleaning but they still charged me for this and several other petty things like light bulbs, air filters, and mini blinds. I told them that they could keep my deposit since it was XXXX dollars even though I knew it wouldn't be more then that but apparently it was more and now a year and a half later, they are charging me for an amount I wasn't aware of and no email, mail, or phone correspondence from XXXX XXXX and XXXX, just a bunch of disrespectful calls, emails now from the XXXX XXXX XXXX. I also don't have access to my old account to prove I paid this because they disabled it.
Product: Credit reporting or other personal consumer reports

The consistent and unjustified presence of fraudulent accounts on my credit report ignite my extreme dissatisfaction and frustration. These accounts remain undeleted, casting a shadow over my financial reputation and causing significant distress in my life. 
These accounts are not mine, and I have never authorized any of the transactions associated with them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The continued presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have been denied credit, subjected to higher interest rates, and faced difficulties securing housing and employment opportunities due to the inaccurate information on my credit report. 
Failure to address this matter promptly will leave me with no choice but to take legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and seek damages for the harm caused by the persistence of these fraudulent accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

My mortgage lender, Ditech, failed to pay {$1300.00} in real estate taxes due the City of XXXX Virginia on XXXX XXXX, 2016 and my tax account is now considered delinquent. The balance in my escrow account is more than sufficient at {$2200.00}. I have called, messaged and sent a certified letter to the address listed for " Error Notice '' to no avail. It seems like this action must be in violation of a regulation but I have n't been able to determine what that is.
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX bankruptcy on XX/XX/XXXX. I opened this account AFTER filing for bankruptcy. I opened the account on XX/XX/XXXX so therefore this is a post petition debt. The creditor reported to the credit bureaus that this account has been included in my bankruptcy which caused my score to drop XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute this item serval times I never file bankruptcy lexis nexis said the remove from my report XXXX  and XXXX XXXX are still report error on my credit report
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian regarding their continued inaccurate reporting of my XXXX student loan account # XXXX, despite my repeated attempts to resolve this issue through disputes and corrections provided both by myself and XXXX. Experian is violating several sections of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) by failing to correct these inaccuracies. Specifically, Experian is in violation of : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ), Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i, Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c, and the Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5531. I have attached a copy of the original correspondence from XXXX, dated XX/XX/2024, which confirms the correct balance and payment status of the account, proving that Experians current reporting is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting. The list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A States that I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent or instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States that 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 or to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I entered a forbearance plan with my mortgage company, XXXX XXXX. Shortly after, XXXX XXXX  hit my credit with a 60 days late during the forbearance period of XX/XX/2021 to XX/XX/2021. I contacted them about the issue and they sent me a credit correction letter and assured me the information would be updated and it was temporarily. My credit was restored and the late reports were removed. I continued making payments as instructed by XXXX XXXX  for the months XXXX, XXXX, and XX/XX/2021 and was officially removed from the forbearance plan. I then paid the remaining balance for the months missed in XXXX, XXXX, and XX/XX/2021 during the forbearance when I made the XX/XX/2021 payment. This particular payment in XXXX was for over {$12000.00}. Therefore, I was caught up completely and never paid anything late. Sometime after making the large payment in XXXX, XXXX XXXX  reported another 60 day late to the credit bureaus, despite all my payments being made according to their direction. I have contacted the company ( XXXX XXXX  ) for more than 30 days and have received no cooperation in fixing the matter. XXXX XXXX  denies reporting late payments to the credit bureaus entirely. I have filed disputes with the credit bureaus and I am still waiting on the results from XXXX and XXXX. Equifax however, sustained the late notices on my account which has continued to negatively affect my credit and has prevented my wife and I from purchasing and financing a much needed vehicle. Furthermore, the documents submitted to Equifax by XXXX XXXX  are inaccurate and do not show valid payment history as it was paid and received. Based on the above, the months for which I am being reported late should have been covered under the forbearance plan by law. I have copies of all of the documents required to prove this case with a doubt. It is my request to file a complaint with both XXXX XXXX  and the Equifax reporting agency. I would also like these documents supporting my case to be afforded to XXXX and XXXX so that I may clear my name in this matter. Attached you will find redacted documents showing the payments being made from my bank account. You will also find a copies of the credit correction letter and forbearance letter sent to me from XXXX XXXX. I have included the delinquency pages from all three credit bureaus as well as the sustained results from Equifax. Thank you for time and consideration.
Product: Money transfer, virtual currency, or money service

I am trying to transfer money via XXXX and if prompted me to re link my once bank account and it said that my bank can no longer be linked.