23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a call in XX/XX/XXXX from XX/XX/XXXX from Midland saying I owed a bill now in collections. I did n't know what they meant. Checked and saw a bill from XX/XX/XXXX from XXXX that was sold to XXXX in XX/XX/XXXX or XX/XX/XXXX and then to midland. ( now I ca n't get to this original info of exact DOFD. ) In XX/XX/XXXX I am looking at XXXX XXXX and it says my last usage of this account was in XX/XX/XXXX. This is a 14 year old bill and I am not sure if it was mine as Midland will not give me any information as a result of their all a few years back. Do I have a case of re ageing? I have no documentation from XXXX to even compare to see if it is an old debt, or even mine.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my urgent concern and frustration regarding the persistent inaccuracies on my credit report, specifically a late open account, despite numerous attempts to address and rectify this issue. I am seeking your immediate assistance to expedite the correction of this late open account to prevent further adverse effects on my credit history.

Despite submitting disputes, the late open account on my credit report persists, causing significant stress and negatively impacting my creditworthiness.

I have attached supporting documentation, including payment receipts, account statements, and any other relevant evidence, to substantiate my claim and facilitate a swift resolution.

Recognizing the importance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the correction of this late open account.

Given the numerous unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the correction process, and take immediate action to resolve these matters. I expect regular updates on the progress of the correction process.

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure the swift correction of this late open account on my credit report. 

Timely resolution is crucial, as this situation directly affects my ability to make informed financial decisions. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$5900.00}.
Product: Credit card

I purchase furnitures from XXXXXXXX XXXX XXXXXXXX. I was told there is a promotion for 24 months. I can pay the minimum amount of {$120.00} per month until the promotion expires. Last XX/XX/XXXX I still paid {$120.00}. My balance was {$3600.00}. Last XX/XX/XXXX I received a statement of {$4900.00} balance because I didn't pay the complete amount of {$3600.00}. My promotion expired last XX/XX/XXXX and was not informed. I was told the promotion is only for 12 months. I paid the balance of {$3600.00} and contested the 37 % interest rate which is $ {$1200.00}. I received a denial and right away I paid the {$1200.00}. My balance is XXXX because I never went back to XXXX to buy furnitures. 3 weeks ago I received a statement that I owe them {$64.00} because I didn't pay the contested interest {$1200.00} right away while I was waiting for their decision with my dispute. In the statement I don't need to pay contested amount until a final decision is made. Now I am charge for an interest of {$64.00} for the contested interest that was not paid right away. I contested this and receive a letter that I need to pay this. This is a scam from synchrony.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I received a credit alert from Equifax stating that my XXXX XXXX credit account had been closed as of XX/XX/year>. I confirmed on my credit report that, indeed, my XXXX XXXX credit card account was reporting as " closed by consumer. '' I noted that Equifax was the only credit bureau reporting the account as closed ; XXXX and XXXX were reporting my account as open and in good standing. I contacted XXXX XXXX credit card customer service in XXXX, and the representative I spoke with confirmed that my account is open with a credit limit and available to spend limit of {$10000.00}. I further confirmed on my XXXX XXXX app that my credit card account is still open and has a {$10000.00} credit limit, all of which is available for me to spend. The representative stated she would file a credit dispute on my behalf, which would send data to Equifax to state that my credit card account is open, active and not closed. I also filed a credit report dispute of my own, directly with Equifax, to dispute that this credit card account is open and active. As part of my dispute through Equifax, I uploaded documentation to their dispute portal -- screen shots from my XXXX XXXX credit card showing that the card is open, active and I have {$10000.00} available to spend -- to support my dispute. On XXXX XXXX, Equifax completed its investigation into my dispute, and they state that the creditor has verified to them that the account is correctly reporting as " closed '' and " closed at consumer 's request. '' This is knowingly false and inaccurate information by both Equifax and XXXX XXXX credit card. I called XXXX buy on or around XXXX XXXX, and the representative again confirmed my account is open and active. She also stated she saw the internal credit report dispute that XXXX XXXX filed on my behalf, and the response they received to that dispute did not make any sense. As the consumer, I am caught in the middle between Equifax blaming XXXX Buy and CitiBank/Best Buy XXXX Equifax for falsely and XXXX reporting my account as closed, when the account is no such thing. Furthermore, I believe that both Equifax and XXXX XXXX are doing nothing more than passing the buck, each blaming the other, but neither of them taking the legally required steps and actions to correct this error on my credit file. My credit score dropped several points as a result of this reporting, so it has caused me tangible harm when I applied for a mortgage loan this week. I have attached a copy of the XXXX XXXX Equifax dispute investigation results, showing that both companies are irresponsibly and knowingly reporting false, inaccurate data to each other about my account.
Product: Credit reporting

MY wife was late with a monthly payment in XXXX and XX/XX/XXXX. XXXX times the department store " XXXX '' added appropiate late fee and included interest with original balance and with additional late fee. In XX/XX/XXXX and XX/XX/XXXX my wife did pay the balance if the " XXXX XXXX credit card payment due. However XXXX XXXX did report my wife with a delquant payment to all XXXX credit reporting agencies for both XXXX and XX/XX/XXXX. In XX/XX/XXXX my wife and I started a application for refinace our home for the hopes of a 30 year 4 % rate but, due to the late payment and XXXX XXXX reporting XXXX the late payments to all credit reporting agencies brought my wife credit score down which kept us from achieving the top tier rate of 4 % but got a 4.25 %. My wife called the department store " XXXX XXXX '' explained that she was late but did pay in full the balance interest and late fee for both months but the department store was unwilling to remove the report they made once again even though my wife made full resituition for the credit card amount due. The department store XXXX XXXX credit card divisionwere perhaps well within their legal right anc correct in doing so but my wife did make full payment did not welch or file bankruptcy and welch on the amount due rather she payed it with fee, interest and balance. I guesss there is No law or rule against poor bussiness practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is not my credit card I have reported multiple times regarding this account and Capital one keeps telling me it is mine because they are tracing it to me and someone making payments to the account. I never had accounts with capital one nor any accounts with XXXX XXXX where the payments came from. I am a victim of identity theft and attached you will find the police report. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, Discover bank has reported XXXX missed payments while the account is current, please get them removed as it is causing me low motivation and also my credit score is low due to this I will have trouble will getting another loan. kindly help me in getting the late payments removed. I have attached the screenshot for reference
Product: Credit reporting, credit repair services, or other personal consumer reports

My letter was ignored.I wrote to Experian on XX/XX/16 regarding false inquiries. The letter was ignored and there was no change to my report.
Product: Debt collection

On XX/XX/2020 I paid National Credit Adjusters {$400.00} to settle the debt of {$480.00} from a closed Total Visa credit card. The original debt from the creditor was {$400.00} and it was bought by NCA. They never mailed me a notification of the debt to dispute accuracy or settle. I saw it on my  credit report on XX/XX/2020 and it said that the debt was from XX/XX/2020. I called them on XXXX and XXXX within their business hours and they were not available as the after hours message was turned on. 

After settling the debt, they advised that they would be sending a letter to credit reporting agencies to remove the debt as paid in full. Instead they reported the collections again as {$87.00}. This was settled yet they continue to report it.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and formal complaint regarding the utter disregard shown by XXXX, Experian, and XXXX in addressing the fraudulent and erroneous accounts that have appeared on my credit reports. I have sent three formal letters of dispute to all three credit bureaus over the past 120 days, beginning on XX/XX/year>. Despite my continued efforts to resolve this issue, I have received absolutely no response, a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

The FCRA mandates that credit reporting agencies ( CRAs ) must investigate disputed items within 30 to 45 days of receiving a consumers notice of dispute. Their continued silence is not only unacceptable but illegal. According to the law, if these agencies fail to respond within this statutory period, they are required to delete the disputed information from my credit reports. Yet, these inaccurate and fraudulent accounts remain on my reports, and the bureaus refusal to comply is directly damaging my financial well-being and creditworthiness.

I am furious that these institutions, entrusted with safeguarding consumer data, have ignored their obligations and failed to take action on accounts that are clearly fraudulent. I have never applied for or held any of the accounts listed below, and they have been illegally placed on my credit reports. Their continued presence is causing severe harm to my credit score, jeopardizing my ability to secure loans and damaging my financial reputation. 

I am now demanding that the CFPB take immediate and decisive action against XXXX, Experian, and XXXX for their blatant violations of the FCRA. They must be held accountable for failing to investigate and correct these false entries on my credit report. If they can not meet the legal obligations required of them, these fraudulent accounts must be permanently removed. 

The following are the fraudulent accounts on my reports : XXXX Accounts : 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  Experian Accounts 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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The law is clear : I am entitled to a fair and timely investigation of these disputes, and these credit bureaus have not fulfilled their duty. The gravity of this situation can not be overstated, and I expect the CFPB to take immediate steps to rectify this matter. Their failure to act not only constitutes a violation of federal law but also reflects gross negligence in protecting consumers from identity theft and fraudulent reporting.

I trust the CFPB will act swiftly to enforce compliance, demand immediate removal of these fraudulent accounts, and ensure that this type of inaction does not continue. I look forward to your prompt response and decisive action to resolve this egregious situation.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX  XXXX, they did not provide me with the original contract as I requested.
Product: Mortgage

It took 4 months for Ally Financial to deny my loan. They scheduled closing dates then said my loan was denied. From XX/XX/XXXX to XX/XX/19. Continue to lead me on that thry only need more info. 4 months later. Still verifying my employment Every week underwriting changed criteria and needed more information for my application. I was pre approved in XX/XX/XXXX. Always excuses no reply rude employees not finishing my application. Then time affected my loan credit score and I was denied. If they would have processed my loan in a timely fashion I would be in a home. Now I cant go any place else XXXX XXXX ruined my chances for my loan.
Product: Prepaid card

I received this XXXX gift card as a gift and when I went to make a purchase on the card the card was denied. I went to check the balance on the website ( XXXX  ) listed on the back of the card and I received an error. I called the phone number ( XXXX ) listed on the back of the card and got hung up on multiple times.
Product: Debt collection

I did not recognize XXXX XXXXXXXX XXXX ( XXXXXXXX ), XXXX XXXX, NC, a company whose emailed message XX/XX/2023 indicated their intention and purpose as a debt collector, and the email an attempt to collect a debt : A representative informed me the debt had been referred to them from XXXX XXXX XXXX XXXX ( ECEP ), from whom I had not previously received direct services nor a bill. I had received emergent care services through XXXX XXXX XXXX in XXXX ; however the date of service indicated electronically by XXXX  on their website ( in their solicitation for payment of a debt linked via the email ) did not correspond with the date on which I received services. Not being certain what the debt was, but wishing to avoid being penalized for non-payment, I submitted an agreed-upon, one-time XXXX payment of {$25.00} to FCA, despite having made payment arrangements with XXXX XXXX ( the only provider from whom I've received emergent healthcare services ) via XXXX XXXX XXXX to address an outstanding debt by making {$25.00} monthly payments. Additionally, I contacted XXXX XXXX XXXX XXXX at ( XXXX ) XXXX and verified there is no current debt linked to my identification : I double-checked this record for full accuracy at XXXX & XXXX ( reference # XXXX ) and found no associated debt to XXXX in my name, FCA 's debt collection unsupported.
Product: Bank account or service

I opened a bank account with Citi bank under a promotion which promised me XXXX thank you points when I open a new Citigold bank account. The promotion indicated that I need to be a new account holder and since I had recently closed a bank account ( XX/XX/XXXX ) I talked to the agent to enquire whether I qualify for this promotion or not. At that time the agent told me that I qualify and I will get the points within 60-90 days from opening the account. So I went ahead and opened the account. After using the account for a month I verified with the bank if I have met all requirements of the promotion and when I will receive the points. The bank responded via email that I have met all requirements and will receive the points no later than by XX/XX/XXXX statement. Now after XX/XX/XXXX passed and I did not receive the points, I inquired again, and this time they tell me that I do not qualify since I used to be a customer at a earlier point in time before I opened this bank account. This is a very unfair and deceptive, I inquired with them multiple times and every time they said I will receive the points, and in the end after keeping the account open in good health for 3.5 months they tell me that I no longer qualify for any points.
Product: Debt collection

I am responding to your contact. You reported and identified a debt that is not mine. I do not have any responsibility for the debt youre trying to collect. I have never had an account with IC Systems. 
I am disputing the validity of the debt.
Product: Debt collection

On XX/XX/2021, I sent a letter to the collection agency asking for validation of debt from XXXX XXXX XXXXIn accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : if a consumer notifies the debt collector in writing, that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt until the debt collector obtains verification of the debt from the original creditor and a copy of such verification is mailed to the consumer by the debt collector. As of XX/XX/2021, the debt collection agency failed to respond to my request for validation of the debt and did not contact the credit bureaus that the debt was in dispute. According to FDCPA, this is a violation because it has been more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all three credit bureaus and collection agencies reporting incorrect or invalid personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX is a corporation. It is an incorporated entity designed to limit the liability of its owners ( called shareholders ). As one of the owners, I am not personally liable for the debts of the corporation. 

XXXX, XXXX was issued a Chase ink Business Cash credit card by Chase ink with account number XXXX XXXX XXXX XXXX. Chase ink did not make me aware that I would be personally liable for XXXX, XXXX Chase ink Cash credit cards debt of {$36000.00} on XX/XX/XXXX at time of its online application website. 

Now, I am XXXX-years old, and have not able to work since my stage XXXX XXXX XXXX XXXX in XX/XX/XXXX. 
I was XXXX from XX/XX/XXXX through XX/XX/XXXX, went through XXXX to remove the XXXX. Thereafter, went through XXXX of 12 cycles, each started with 4-hours XXXX at XXXX XXXX and continued 48-hours XXXX at home from XXXX, XXXX through XXXX, XXXX. 

I had another XXXX and XXXX on XX/XX/XXXX. Dr. instructed me not doing laundry and hire housekeeper doing house cleaning for next 21-days. 

I have, XXXX XXXX, post-XXXX symptom of XXXX XXXX. I also get tired easily in need of lying down from time to time because of XXXX XXXX. In addition to my XXXX on my XXXX  and on my XXXX. 

On or about XX/XX/XXXX Chase ink replied to my dispute by mailing me last three billing statements of the above business credit card to me.
Product: Credit reporting

I recently applied for a re-finance loan. Equifax credit report indicated an adverse judgement placed against me by XXXX. I was told ( via phone ) today by Equifax that they completed their investigation and that they would NOT remove this adverse action from my credit record. The Equifax agent told me that during their investigation, XXXX told them I was the responsible party. I contacted XXXX and gave them my Social Security number and they agreed that I AM NOT THE RESPONSIBLE PARTY and that the social security number on the delinquent account is different from mine. However, XXXX ALSO REFUSES to remove the adverse action and said that Equifax is responsible for removing it, as the social security number is not mine. It appears that a family member who has a similar name might be responsible for this, but I AM THE ONE BEING PUNISHED.
Product: Debt collection

This is my formal request to address and resolve the unauthorized accounts and inquiries listed on my credit report. These inaccuracies have had a significant negative impact on my XXXX score, causing a noticeable decline that is making it difficult to maintain my financial standing. I am reaching out to your office with urgency and respectfully request your assistance in correcting this matter. This is especially critical as I am preparing to apply for a loan that requires a high XXXX score to be eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial goals. Thank you in advance for your support and cooperation.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.