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

Experian has failed to fulfill its leg obligation under the Fair Credit Ri Act ( FCRA ) to conduct a reasonable reinvestigation of disputed inform credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

These inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The Bank of America, XXXX, New Jersey branch was preventing me from making a deposit because they refused to wipe down the machine into which they required me to place my identification card. The branch manager did not social distance. Apparently the Bank of America is unaware that there is the very deadly novel coronavirus that early spreads as both the teller and the branch manger told me that they only clean the machine once a day! If I can even believe that!

Reckless on the part of the Bank of America! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX ( XXXX  ) pro se
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX and 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: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THIS ADDRESS PLEASE REMOVE THANK YOU. 
XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX
Product: Debt collection

My account was sent to Professional Bureau of Collections of Maryland by XXXX XXXX. When the collection agency contacted me I requested for an settlement. After settlement was paid in full Professional Bureau of Collections of Maryland sent back to XXXX XXXX my information stating that the account was paid in full. XXXX XXXX representative stated " they do not show any agreement, although my account started at XXXX, I sill owed XXXX ''. I sent them a copy of the letter that I have from Professional Bureau of Collections of Maryland, stating that my account was paid in full, but I cant get a response from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX.17 I signed a contract for debt resolution package with ClearOne. They indicated they needed the contract signed by the end of the week, so I signed it. A gentleman called me that evening and went through some information. I felt very uneasy about the information he gave me pertaining to how then relieve the debts. On XXXX.17, I signed the cancellation notice, found in the electronic package, and sent it via certified to the company. They signed for the cancellation letter on XXXX.17.  On XXXX.17 I tried to log into my XXXX XXXX XXXX account to make my payment, but I kept getting a log in error. I then called XXXX XXXX  XXXX and they said they had received a COA/POA from ClearOne and my account had been closed. I called ClearOne immediately, they indicated that I should not only have signed and mailed the cancellation letter, but I also needed to contact them verbally to cancel. I told them that they should not have pursued any debt relief after signing the confirmation of receiving the cancellation letter. They sent me a confirmation of cancellation but it was dated for XXXX.17, not XXXX.17 the date they received the letter. I called XXXX XXXX XXXX again and they can not reopen my account because they have the COA/POA on file. They said I was a very good customer but they could not reopen the account. ClearOne should have never move forward with a debt relief plan after receiving the cancellation letter. Unfortunately now I do not have access to my lowest interest credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these reporting errors multiple times and the items are " verified ''. I've requested account information from XXXX XXXX XXXX, and they ignore my requests and Equifax turns around and " verifies '' this information. How?
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 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. 


( 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: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the certified XXXX # XXXX, According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge of concerning any such items of information.

They stated my account was verified but how is that possible if they didnt not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything must be 100 % Accurate. I have the credit reports showing the inaccuracies. The Credit Bureaus stated my accounts was properly investigation, but how is that possible if the opened dates is inaccurate, the dates last active is inaccurate, last reported Is not accurate, last payments is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also next to each account In parenthesis is the count of violations. Also, I have downloaded a current copy of my credit report and I have circled each violation. 

List of the Accounts XXXX XXXX Account # XXXX ( 9 Violations ) XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX XXXX- Account # XXXX ( 8 Violations ) XXXX- Account # XXXX ( 8 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX XXXX- Account # XXXX ( 10 Violations ) XXXX XXXX- Account # XXXX ( 7 Violations ) XXXX XXXX XXXX- Account # XXXX ( 9 Violation )
Product: Mortgage

In XX/XX/XXXX I bought my XXXX home. The mortgage was with XXXX XXXX. About a year or so later my mortgage was sold to Citimortgage. Citi immediately raised my monthly mortgage payment with no explanation. In XX/XX/XXXX I applied to modify my mortgage and was told I needed to not pay my mortgage payments for 3 months. I did as instructed. After almost 2 years of going back and forth with Citimortgage and submitting the same paperwork over and over I was forced to file bankruptcy to protect my assets. During that time the modification kicked in again. Again they took their time and requested all of the same documents again. Citi filed a Motion for Relief and my attorney agreed to an additional 6 months arrearage added in the bankruptcy. Now, Citimortgage has filed an Order to lift the stay even though the trustee has been sending the payments monthly and I am current on my mortgage. I missed a payment in XXXX and sent XXXX payments in XXXX. I feel as if I have had nothing but issues with Citimortgage. I also think they took advantage and changed my mortgage around without letting me know when they immediately increased my payments when they first got my mortgage. Any help would be appreciated.
Product: Debt collection

I am currently dealing with an account with Midland funding. The account was settled, but I 'd never received receipt or any proof of payment, all I have is bank statements stating that I paid them. this is still showing up every month as an unpaid debt on my credit report and as I am trying to purchase a house, this is really hurting my credit. My calls to Midland funding and with the promise of an email stating that my account is paid and closed, But I never get anything and it continues to show up on my credit report every month as a delinquent balance.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity fraud since before the pandemic and I am being treated unfairly about the entire situation. I am being harassed about frivolous credit cards that was supposedly sold to Midland Credit Management but no-one has provided me with wet ink signature or valid identification. If this is not presented I will be forced to seek legal actions because I have stressed these are not my accounts but I continuously been harassed and badgered about the frivolous information. I do not owe Midland Credit
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX  ACCOUNT NUMBERXXXX XX/XX/year> Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Credit card

Capital One is listing XXXX 30 day late pays from XX/XX/XXXX on my credit reports that were due to my bank account being compromised during the XXXX hack that started in XX/XX/XXXX and went to XX/XX/XXXX. This XXXX hack affected my bank debit XXXX card, which the turn of events led to having to close and reopen an account, re-do and re-setup all payments, temporarily have no access to my cash, and created an affect where i fell behind on payments, due to NO fault of my own. AGAIN, This is NOT an issue of not paying, this is an issue of being unable to pay due to a fraudulent hack of banking info! I have been trying to clear this up, and explain the situation, and how per the law, i am not responsible when it is caused by a hack or identity theft. Every other creditor has been more than courteous and helpful in cleaning up this mess, yet Capital One still reports these XXXX 30 day lates even though it was not cause by me. I originally filed a theft affidavit and did everything i was supposed to do regarding this data breach, and yet i get no resolution from Capital One. I would please like Capital One to finally update their records and remove these 30 day lates from my record due to this original breach that cause me to lose temporary access to my account and money and fall behind temporarily.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE OPEN FRAUDULENT ACCOUNTS USING MY NAME AND SOCIAL SECURITY NUMBER XXXX DID NOT APPROVE OR GIVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2019, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX I # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 



15 U.S.C 161 section 602 A. States I have the rights 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 instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Formal Complaint Against TRANSUNION for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against XXXX for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : XXXX Despite providing evidence that the charge off account is incorrect, TRANSUNION has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against TRANSUNION for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for TRANSUNION 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Mortgage

Applied for a mortgage with XXXX XXXX XXXX in Illinois. Query in credit bureau profile triggered marketing calls. I have " do not share '' agreements in place with all the credit bureaus. Despite this, my information is still being sold. I am receiving phone calls from other companies to apply for a mortgage despite being on the XXXX not call list. 

Call came in on APRXXXX at XXXX XXXX from a spoofed number. CMC has also contacted me from XXXX.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian and XXXX, XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : XXXX. Hard Inquiries : Several unauthorized hard inquiries appearing on my consumer FICO credit report. 

XXXX. Late Payments : Incorrect late payments reported on accounts that should be marked as paid off or never existed under my name : XXXX. Fraudulent Accounts/Collections : Accounts and collections reported inaccurately or fraudulently under my name, which I have no knowledge of : Please see that attached FTC reports with the list of all accounts mentioned above. FTC report Number : XXXX and XXXX I have attached a copy of the FTC reports. 

I do not recognize or have never authorized the accounts, collections, or hard inquiries listed above. The aforementioned accounts, collections, and hard inquiries are inaccurate and must be removed from my consumer credit report maintained by your agency. This is also affecting my credit score unjustly.

What would be a fair resolution to this issue? ( demands for relief ) : I demand that pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), the removal of the fraudulent and inaccurate accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. Additionally for XXXX XXXX to be marked as paid in full, and remove the late payments. I request that all written confirmation regarding this CFPB complaint be sent to me via certified mail.
Product: Credit reporting

I did not give XXXX XXXX to run a credit report to get service. I 've tried to get this off my hard inquirers Did not give permission. Please remove. Show me proof or remove from credit report please
Product: Checking or savings account

Since I started banking with Bank of America, the fraud department seems to not care about the customers complaints. There were multiple telephone numbers listed on my checking account, I asked them to remove all phone numbers but mine. My number is the only number " greyed out '' meaning they are unable to authenticate me. Ive had multiple fraudulent activities on my checking accounts, where transactions are digital. I told them that someone in the XXXX has all my credentials. This has been ongoing for more them three years, it started at XXXX XXXX. They did nothing knowing there was fraud on my account. Bank of America seems too not take fraud seriously, it only appears that way when calling the fraud Department. Ive had to close numerous accounts which I was told top do by Bank of America staff due to fraud. They would close one account and make me open a new account not really investigating the cause and who was doing the fraud to me. I lost a lot of money due to fraud. The fraud department does an internal investigation, but being someone has all my credentials and are pretending to be me, the fraud department overlooks this and blames it on me and reversing credits given due to me reporting fraud. It went as far as me contacting the Fraud Department at Bank of America corporate, this gentleman, XXXX in fraud himself said he isn't able to speak with me because he is unable to authenticate me. I asked him to contact me using a different office phone or cell phone, he refused. He had me contact my cell provider XXXX to give me a new XXXX card for my cell phone, I did what he asked and the bank still couldn't authenticate me. This is a Bank of America issue not my issue or XXXX which the guy XXXX working on my case thinks its everyone else 's issue but not his or the banks issue. 
He is very rude, not customer friendly and being he's in Fraud he should know better that if someone has access to all my credentials that the fraud is unlikely to be me. 
They never go above and beyond.
Product: Credit card

On XX/XX/year> I called Capitol one to get the payoff balance and was given {$4700.00}. then I asked about the interest charges and was told I was within the time not to be charged the interest. So I paid the amount of {$4700.00} and thought my account was paid off. I did not get the person 's name. 
Yesterday XX/XX/year> I see I am being charged {$70.00} interest charge. This morning XX/XX/year> I called and spoke to supervisor XXXX who told me she was not able to credit the {$70.00} interest charge, even though I was told I would not be charged and interest charge. She was not helpful at all. 

An hour later I called Capitol One again and was talking to a supervisor by the name of XXXX who was quite short with me and told me she is unable to change the interest charge. When I told her I was told by a representative that I would not be charged the interest charge she was not helpful. I then asked her to speak with her supervisor and she told me their was not anyone above her. I told her I would be closing this account and again she did not care. I also told her I would be contacting CFPB and again did not care. I also told her I do not need this account I have XXXX, and XXXX and once again she did not care, so I ended the phone call. 

As a very good consumer I do not expect to be treated like this, nor should anyone.
Product: Debt collection

On xxx noticed a inaccurate, unverified data reporting on my report, I disputed items but collection agency has not provided any dept validation, under the fdcpa or fcra sec 609 requires collection agencies to validate dept upon request.
Product: Debt collection

The account with Consumer Profolio Services has been settled due to repossessed vehicle, in which the goods and services were obtained without authorized, which is stated on my credit reports. They apparently repossessed the car and I concluded all business with them and asked them to stop calling me. They not only reached out to me after that, they keep reporting negative remarks on my credit reports.
Product: Money transfer, virtual currency, or money service

I dont have an actual date but it happen a few years ago. My cash app account was hacked by someone and I couldnt get in touch with anyone from cash app to dispute my claim.
Product: Credit reporting or other personal consumer reports

1 XXXX XXXX XXXX ceases any further unauthorized access to my credit report. 2 XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.