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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain items listed on my credit report under the provisions of the Fair Credit Reporting Act, specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), which require that all information on my credit report be 100 % accurate. After reviewing my recent credit report, I have identified several inaccuracies that I believe warrant correction or removal. 

The accounts in question are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please note that the information listed above contains inaccuracies. According to the aforementioned sections of the Fair Credit Reporting Act, all information on my credit report must be accurate and verifiable. If these inaccuracies are not corrected within 30 to 45 days from receipt of this letter, I will be compelled to pursue legal action to recover damages of up to {$1000.00} as permitted by law for the inaccuracies present on my credit report. 

I request that you investigate these accounts and either update them to reflect accurate information or remove them from my credit report altogether. Please provide me with written confirmation once these corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your response within the required timeframe. 

I have attached documents that prove my identity and the inaccurate information on my report.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXXXXXX XXXX XXXX XXXX  { dispute_item_and_explanation } Enclosed is a copy of my Identity Theft Report, supporting my position. 

I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
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 Bureau 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 XXXX XXXX {$400.00} XXXX XXXX XXXXXXXX {$52000.00} XXXX XXXX XXXX {$80000.00} XXXX XXXX XXXXXXXX {$75000.00} XXXX XXXX XXXXXXXX {$110000.00} 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 ( XXXX ) 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: Mortgage

I submitted a payment on XX/XX/XXXX to the mortgage company, but the payment was never pulled from my bank account. We called the mortgage company numerous times regarding the fact that the money had not been removed from our accounts. Once when we called a representative placed us on hold for over a hour until the office closed and then a recording told us to call back during normal business hours. We called back the following week and spoke to a representative who was very rude and said we had never made our XXXX payment. The representative continued to rudely state that they are aware of everything we do and that we had never even made an attempted to make a XXXX payment. We then attempted to resolve the issue with the representative who continued to rudely state that it was our bank withholding the funds. We spoke to our bank in which they informed us that they would not withhold funds without notifying us first, and that the issue was on the mortgage providers side. We called the mortgage company back trying to resolve the issue, but they had already placed a mark on our credit and said nothing could be done to resolve it. We then made another payment for XXXX on XX/XX/XXXX of {$930.00} plus {$48.00} in late fees bringing the total amount to {$990.00}. The funds were then removed shortly after on XX/XX/XXXX, which was quicker then normal. We assumed the funds were removed quicker due to the fact we have also been speaking to our mortgage officer many times over this incident. This isn't the first time this has happened. Since we bought our house in 2017 we have had an issue almost every month with the mortgage company. Usually they work with us stating that their website hadn't been working properly, or there was another issue on their end. We have also had problems with this company not removing the funds for two to  three weeks after a payment is made. When they would remove the payment they would also then pull a late fee out even if the payment was made on time. We have been doing everything on our end to resolve this issue including talking to our bank and mortgage officer many times. We believe the issue is on the mortgage company side, but they seem to resist taking the blame and are quick to blame us. We have been tirelessly trying to resolve these issues and wish the mark against our credit would be removed due to the fact the error is not on us.
Product: Credit reporting or other personal consumer reports

Inquiries XXXX XX/XX/year> XXXXXXXX XXXX  XXXX XX/XX/year> I have already called and spoke with them and they told me that they updated and fixed my profile in which they did not and its violating my rights and is purposely fraudulent because they are reporting inaccurate info that can damage my report. Please remove all inquiries that is not approve by me.
Product: Credit reporting or other personal consumer reports

WELLS FARGO BANK Account type - Credit card Date opened - XX/XX/year> Account number - XXXX Case number - XXXX This complain is in response to Consumer Financial Protection Bureau complaint number : XXXX. 
Above Account created under WELLS FARGO BANK without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Vehicle loan or lease

In short XXXX XXXX XXXX refused to offer me a reaffirmation agreement because they stated numerous times that my bankruptcy was cancelled. I called nearly @ dozen times to tell them that it was active. They refused to let me speak with a supervisor or anyone else who would be willing to listen and investigate. Eventually they decided that my bankruptcy was active but made up different reason why they could n't offer me reaffirmation. One guy said we sent it in the mail, but to the wrong address. Now they 're trying to repo but no matter how many times I tell them my address, they keep trying to go by another states law in order to short cut the repo process.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a current balance of {$14000.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned and sold at auction. The vehicle sold for more than the amount owed and consequently the balance reporting is incorrect and should be reporting {$0.00}. This false reporting is seriously harming my credit score and this line item needs to be updated to report accurate information and/or be removed. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

Capital One Credit Card sends me emails at my email address in which I did not sign up for nor want my information on the internet due to much fraud going on. Accounts ending in XXXX & XXXX should be no more info or statements email with the accounts ending in XXXX XXXX. 
I receive my statements by mail
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus involved have not properly investigated my dispute of bankruptcy which appears on my credit report. The bureaus are relying on third party information. Per FCRA 611 Paragraph ( 6 ) ( B ) ( iii ), I am requesting a description of the procedure used to drtermine the accuracy and completeness of the disputed bankruptcy. Method of Verification should include the following : Name of courthouse, persons name who verified the dispute, address, phone number, and documentation used to verify the dispute. 
I also request the bankruptcy be deleted if you do not provide the method of verification. Further legal action will be taken.
Product: Credit reporting or other personal consumer reports

Complaint Summary : I am filing this complaint against XXXX XXXX XXXX for failing to remove an inaccurate late payment from my credit report despite providing clear evidence that my account was in good standing. XXXX refusal to correct this error has negatively impacted my credit score, and I am requesting CFPB intervention to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 


-- - Background : Sezzle Account Number : XXXX Date Opened : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Disputed Late Payment : Reported as 60 days late in XX/XX/XXXX On XX/XX/XXXX, I contacted XXXX regarding an inaccurately reported 60-day late payment from XX/XX/XXXX on my credit report. I provided them with multiple forms of evidence, including : A XXXX-issued confirmation of balance letter ( dated XX/XX/XXXX ), stating that my account is current and has no outstanding balance. 

Screenshots of my XXXX report showing the incorrect late payment. 

A ZIP file containing the full email history between myself and XXXX, including all interactions regarding this dispute. 


Despite this, XXXX has failed to correct the inaccurate reporting or provide a valid explanation.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> a friend 's XXXX account shared some items the friend was selling. I made arrangements to purchase some of the items and sent deposits to them to hold for pickup. I used Zelle and XXXX XXXX. I found out the next day that my friend had been hacked. I attempted to reverse the transfers to no avail. I contacted the financial institutions, including my bank, also to no avail. In the process I got the following contacts for the scammers : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX ), XXXX, XXXX. I am out {$1200.00}. I can provide the communication thread.
Product: Debt collection

Bull City Financial Solutions has reported three collection accounts on my credit report. Prior to these accounts appearing on my credit file, I did not receive a notice of my right to dispute them. They just reported them, without giving me an opportunity to contest these bills that were paid by my health insurance. Failure to provide such a notice is a direct violation of my federal rights, protected under the Fair Debt Collection Practices Act. Bull City Financially is acting as an illegal collection agency, defying federal  collection law.
Product: Checking or savings account

On or about XX/XX/2022, on of the primary account holders received a text message asking to verify a XXXX transaction. Victim responded No and was immediately contacted by a person identifying themselves as a Wells Fargo Inc representative by the name of XXXX XXXX. The number displayed from the caller was listed as Wells Fargo Inc and was the same number as the number listed on the back of victim 's debit card. The fraudulent employee instructed the victim to log into their mobile app and change the access password. Believing the victim was being instructed by an authentic representative complied. The fraudulent party verified that there was a pending transaction and confirmed that once the password was changed the bogus pending transaction would be removed. Once completed, the scamster told the victim to allow 24 hours for changes to take place and not to login to their account during that period. At which point the victim became suspicious, ended the call and called the number listed on debit card. The Wells Fargo representative that answered confirmed that there had been no attempt to contact the victim from Wells Fargo and that there had been a point to point transaction through XXXX in the amount of {$3500.00}. A complaint was immediately filed as well as a police report ( XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ). The account holder DID NOT knowingly give access or authorization or approval for any XXXX transaction to any person, electronically or otherwise. The account holder did not know the person responsible for the transaction or that ultimately obtained authorization. The account holder was clearly a victim of fraud as defined under XXXX XXXX of the XXXX. The FAQ 's pertaining to XXXX XXXX of the CFPB explicitly detail the exact situation as it pertains to this case. A person claiming to represent the financial institution fraudulently obtained access to the account holder 's information and authorized the transaction unbeknownst to the victim.
Product: Checking or savings account

Had a issue was not able to speak with a live person. Sent email or chat with no response.
Product: Credit reporting or other personal consumer reports

My account with Equifax 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 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.

Equifax 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: Debt collection

Sonnenschein Financial Services reported to my XXXX credit report a {$200.00} from the City of XXXX. This agency claims to now own this debt from the City. They claim that this citation is due to a XXXX violation. The violation was contested and an appeal date was granted and the violation was dismissed. For whatever reason the debt was not dismissed and doubled to {$200.00}. I have made daily attempts at contacting this agency and am always greeted by an automated service. Messages left to their voicemail service go unreturned and considering failed attempts at contact, I am left questioning the legitimacy of this agency and their debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX XXXX open since : XX/XX/2022 Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have received SEVERAL harassing phone calls from Direct Recovery Services. They simultaneously call me, my employer and my ex-husband 's cell phone number, whom I have not been married to since 1993, and leave an intimidating recorded message stating they have checked my history and I do not seem like a dead beat, they only have a short amount of time to work with me on the debt, no information is given as to what the debt is, by whom or the amount. Just an account number and their web address. 
I XXXX  their company information and found they have HUNDREDS of complaints that have been filed regarding fraudulent accounts, harassing consumers with threatening messages and when consumers call they are treated rudely and disrespected by the agents they speak with to verify the information. I requested their information on this supposed collection account in writing. They refused to give me the information and never mailed a letter indicating I owed a debt and have 30 days to dispute it. 
I went further and went to their website and entered the account number I was given in the recorded message. It took me to an collection with a company called XXXX, XXXX. I XXXX  the business name which is in fact XXXX ( XXXX XXXX XXXX ). I do have an account with them and have had for several years so fearing I was a victim of fraud, I contacted XXXX and chatted with an agent explaining the collection account. He confirmed that I do not have any past due balances with XXXX nor do I owe anything on my account nor has fraud been committed on my account. I asked him about the collection company and he had no knowledge of the company. 
I emailed Direct Recovery Services again requesting written verification of the debt and also attached the chat conversation with the XXXX agent. This company will not respond. I went to the XXXX XXXX XXXX and filed a formal complaint, they responded with it was on the consumer to request verification of the debt. 
This company has violated every law in the FCRA. I don't think this is a legitimate collection company and they should be held accountable.
Product: Mortgage

XXXX changed servicers of my home mortgage from The Money Source to XXXX XXXX. I made a mortgage payment on XX/XX/XXXX to The Money Source, they didn't send that payment to XXXX XXXX. XXXX said it would transfer by XX/XX/XXXX, it hasn't, now they just keep saying they will keep following up with no results. From what I read online, many people are struggling with this same issue.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Product: Mortgage

I had an agreement to resolve my loan via " deed in lieu ''. 
The loan processor required me to vacate on XXXX/XXXX/15. 
They with held assistance until XXXX/XXXX/15.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX consumer credit card by XXXX XXXX  XXXX XXXX Synchrony Bank consumer credit card Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX