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

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX. On or about XX/XX/XXXX, I realized I would be late with my car payment as my business has gone under due to Covid. I called XXXX and told them my situation and asked if I could defer the payment. I was told I would have to pay {$840.00} by the XXXX of XXXX in order to get that deferral. They sent me a letter stating such. On XX/XX/XXXX, I sent the required payment, transferred from my bank account. XXXX XXXX reported my account delinquent to Experian and XXXX. I called XXXX and they said they would leave a note for their supervisor, but I should go ahead and dispute with the credit reporting companies. I disputed with experian and XXXX. 

Today, the results came back from experian, and it says after their investigation, they found it factual, however, now it says my payment was late and not only that it says my next payment is late. Today is XXXX XXXX. My payment is not due until XXXX XXXX, I paid them 10 days ago. Although it is not even my due date it has also been reported as late. 

My credit has taken a 75 point hit due to this. I have always had an exceptional payment history and now without income and trying to keep all my accounts up to date, this credit hit is keeping me from being able to advance.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Experian for unlawfully re-inserting a 30-day late payment into my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). This wrongful action has caused me significant financial and emotional distress, and I am seeking your assistance to rectify the situation and to pursue monetary damages for the harm suffered. 

On XXXX, I discovered that a XXXX late payment, which had previously been removed from my credit report following a dispute, was re-inserted by Experian. According to the FCRA, specifically under Section 611 ( a ) ( 5 ) ( B ), a credit reporting agency must notify the consumer within five business days if a previously deleted item is re-inserted into the credit report and provide the basis for the re-insertion. To date, I have not received any such notification or substantiation from Experian. 
The re-insertion of this derogatory mark has adversely affected my credit score and my ability to obtain credit on favorable terms. Consequently, I have experienced financial setbacks, including but not limited to : 1. Higher interest rates on loans and credit cards 2. Denial of credit applications 3. Increased insurance premiums 4. Emotional distress and anxiety In a similar case, Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), the court held that credit reporting agencies must strictly comply with the reinvestigation and notification requirements of the FCRA. The failure to do so constitutes a willful violation, warranting statutory and punitive damages. 

Given the severity of this issue, I am requesting the following actions from the Consumer Financial Protection Bureau : 1. An immediate investigation into Experian 's practices regarding the unlawful re-insertion of the 30-day late payment on my credit report.

2. An order for Experian to permanently remove the inaccurate 30-day late payment from my credit report.

3. Monetary damages to compensate for the financial losses and emotional distress caused by Experian 's actions. I am seeking compensation in the amount of {$1000.00} to cover the increased costs and related damages.

Enclosed with this letter are copies of my credit reports, previous dispute correspondence, and other relevant documentation supporting my claim. I trust that the CFPB will take swift and appropriate action to address this matter and prevent further harm to consumers. 

Thank you for your attention to this serious issue. I look forward to your prompt response and resolution of my complaint. 

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

Capital One failed to removed hard inquiry from all three credit reports. Continue to follow up with Capital one and XXXX. Credit Inquiries remain.
Product: Credit reporting or other personal consumer reports

I recently looked at my Equifax report on XXXX XXXX, 2023 and I notice some things are incomplete and not accurate. According to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The accounts in the letters attached are not complete and accurate. 

I sent letters asking them to make sure everything is complete and accurate and here is my tracking numbers XXXX, XXXX, XXXX they sent my investigation back and said everything was complete and accurate but if you check my attachments everything is not.

According to 15 USC1681i 5 they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to this law they are supposed to provide me description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.
and according to 15 USC 1681s-2 ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

This has happened a few times now ... I am unable to make the payment on time, and less than a week later I start receiving an unreasonable amount of calls from Citi for payment. The calls come around every XXXX hours, every day ( even weekends ) until I make the payment. When viewing the account, the card has been assessed a late fee and the balance simply shows the accrued amount ( 2 months plus fee ) is due on the next due date. I have asked in the past for the calls to stop and state I will make the payment as soon as I am able ( my next pay check ). The phone agent simply says that the calls will stop after payment is made, and then the calls resume the following day. The practice of Citi is to harass a customer to make the payment, no matter the circumstance.
Product: Credit card or prepaid card

In 2018 I called the creditor which is capital one several times about complaints of the mount was being taken out of my account So that I may not get charged for affinities of late thes and other fees so I can get caught up I thought we understood each other they did not confirm the entered a deal I did mine I don't know what happened I want this taken off is very unfair situation I called and work with them several times they're not given the credit they saying that they given you credit in and taken off the the late fees and next thing you know you make a couple of payments in your right back at it again I've already report to the FTC Several times so I'm gon na say this again have you have no proof of this estab son that this is mine and every other thing that is all my credit that is really unconstitutional this is my credit supposedly I should know what is mine and what is not mine I want is taken off you guys have 15 days not 30 days to the of all ready given 30 days to creditors and they're not responding I want this taken off
Product: Credit card

Basically, my father opened a credit card account with Chase Card Services, using my name and Social Security Number without my permission. After adding himself as an authorized user ( again, without my permission ) He proceeded to make charges on the card, max out the credit limit, and stop paying for it, which led to the account being reported as " charge-off/collection '' on my credit report. I had no knowledge of the account previously and had no idea he was doing such a thing. When I contacted Chase Card Services and explained the situation, even though I included evidence that clearly shows that he was the one maintaining the account, they refused to help unless I pursued criminal charges against my father. I requested that they merely transfer the account out of my name and put it in his name and on his credit report, and pursue collection efforts with him, but they have so far refused and will not delete the item off of my credit report.
Product: Debt collection

This collection showed up on my credit report in XXXX and I did not know where and why it came from. Now that I checked my credit report they have re-aged this and dated it XXXX XXXX XXXX. There is absolutely no way I owe this and it got placed XXXX. I did n't receive a single notification about this, and how you can re-age some sort of collection, I believed re-aging is unfair practice
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  XXXX XXXX XXXX ran a credit check without my consent. I contacted the dealership and they informed me that they didnt have an answer on who conducted the credit check and that would get back to me but they never did and then declined my follow up calls.
Product: Debt collection

I sent notice to validate debt to portfolio recovery on XX/XX/2019. Portfolio received notice on XX/XX/2019. In return Portfolio sent bills and statements. They did not send documentation verifying the debt. They did not send contract containing my signature or that I was the individual who indeed opened account or owed said debt. I sent a follow-up letter on XX/XX/2019. Portfolio has yet to respond to my request. It is now XX/XX/2019. Well past the deadline of response. 

Portfolio has violated my rights under FCRA by not responding to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

i just recently looked on my credit report and seen a whole bunch of loans and accounts oppened in my name with out my permission and knowledge of it, one back in XX/XX/XXXX i was actually in XXXX at the time and get out XX/XX/XXXX another one in XX/XX/XXXX that i didnt know about i knew about only one thing which was a light bill that i helped my step father out with
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection
Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is my 4th request that I am a victim of identity theft and I write to dispute certain Accounts in my file resulting from the crime. The Accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX 15 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2019 there has been an old email address added to my credit report. The old email address is being logged into by someone other than me. When doing so, they have used the information for stalking, abuse, and harassment. I have updated my email address to the current email several times, and sent by mail copies of my drivers license, with letters requesting that my current email be the only one added to the credit report. Regardless of how many times I have updated the email address they still change it back to the old one. The person using the old email has all of my personal information. They are also stopping me from housing, transportation, employment, and other medical.
Product: Debt collection

XXXX XXXX XXXX Doing Business In Ohio As XXXX XXXX De XXXX has obtained a debt from a Capital One bank. The original debt that was placed on my account was for {$1300.00}. The account was deleted from my credit report for being fraudulently opened. I informed XXXX that I am not responsible for this debt. I never opened a credit card with Capital one bank. I was a victim of identity theft in XXXX. They sent a letter dated XX/XX/XXXX stating that I owe {$1600.00}. The letter states that a judgment was obtained against me or certified in XXXX XXXX XXXX on XX/XX/XXXX demanding payment. If I dont respond within 15 days then they will begin to garnish my wages. I spoke with XXXX and they would not set up a dispute resolution for me.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that TransUnion, XXXX, & XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00}
Product: Debt collection

I lived in XXXX on the XXXX. My lease ended in XXXX of 2022. I began to do month to month payment. The amount was {$500.00} more. In XXXX I gave my notice that I would be moving out at the end of XXXX.I received a eviction notice. I had paid my rent for the month. I went again and told them I will be moving XX/XX/XXXX, which I did. The assistant manager at the time told me to disregard the eviction notice. I checked my mail and I had a letter from the judge saying that if I pay a fee from court and the next month rent I could stay after I had already moved out. I turned my keys in. The office people was XXXX. They change my lease date and everything else. Every time I call about it Im informed that they have a new manger and is under a new corporate and its no way they can help me. Im asking that this be removed off of my credit report Now. I do not owe this large amount especially any rent amount.
Product: Debt collection

Debt Collector failed to make contact with me ( sending a debt validation letter ) prior to reporting to the credit bureaus as of XX/XX/year>. It was not until about XX/XX/year> when I started to dispute this have yet to receive any documentation j have requested from the CRAs and the Collection agency.The account summary that I finally received from the original creditor had numerous errors including incorrect dates, charges that my leasing contracts states I do not owe, charges for move out costs I am not responsible for as emails from the credit will state, etc.In which shortly after being made aware of this alleged debt on my credit report I made numerous attempts to dispute. Due to the Collector violating the Fair Debt Collection Practices Act and the new rule as of XXXX XXXX specifically stating how debt collectors can communicate with you, including what information theyre required to provide at the outset of collection about the debt, Adding, that after providing legal documentation, signed contracts, various forms of correspondence with the Creditors to support my dispute that the alleged debt amount is inaccurate as I do not owe a balance, the attempts made to collect are violating my rights, the collector and the CRAs have failed to provide me with documentation to accurately validate their claim as I have requested repeatedly among other violations I believe they have made. Noting that the initial complaint filed in court by the creditor had false claims as they added rental amounts to eviction notice that had been paid.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX First I phoned Wells Fargo I lost my job. I asked them about HARP and if I qualified. They said no ( I later found out that I did ). WF talked me into a modification loan which was to help me. They never explained that it would make my credit score sink to nothing. They also created a separate account which I made my modification payments too, while my other original account was still open reporting I was n't paying anything to. Which created a late payments and interest build up. The added {$10000.00} to my loan. From the time of the mod to the end of the mod, I paid in over {$13000.00}, that does not include the {$10000.00} extra tacked on. I was told this mod would take about 3 months to finish, it took almost 1 year which hurt me. I found a number direct to the harp program, they acknowledged that I would have qualified very easily. I would like to get back everything I have lost. I can not buy anything because of Wells Fargo. I have sold my house and cant buy another even through Wells Fargo where they know my history. This is the worst Mortgage company I have ever dealt with. I know they are under investigation for other accounts, but someone really needs to look at the mortgage side and how the handle and convey information plus everything should be done through one account not create another. In my opinion the is wrong, this shows incorrect reporting to superiors and stakeholders and to public.
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that has infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). The following account listed on my credit report has violated my rights : Convergent Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy. 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 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was notified on XX/XX/XXXX about a credit inquiry made in my name for Bank of America. I called XXXX  and they made a request to remove this from my credit. I contacted Bank of America to dispute this inquiry. They said they had no record but would get back to me. Two days later I received a text welcoming me to Bank of America. I called them again and there was an account made with a credit line of {$22000.00}. I closed the account and made a report requesting this be removed and I that I would receive the information for the online account that had already changed the address to receive the card. Today I received a letter from Bank of America that they verified my account and they would not be moving forward with my request and the case is closed.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX