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

Experian have failed to provide validation of public records listed in my file under my name and social security number. I have reached out to the credit reporting agency and they have failed to provide requested information. According to  FCRA 623 ( a ) ( 5 ) if the credit  bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of  XXXX  DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, Experian actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the  U.S. Ba nkruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankru ptcy Court and re ceived a letter in return stating The Clerks office does not provide information to credit reporting agencies. Experian has not provided any feedback on my request to validate public records. Please see my attached documents.
Product: Debt collection

I changed cell phone companies earlier this year. I had service with XXXX XXXX but I never received a bill that I owed anything after changing services. I never received a paper bill from XXXX XXXX. I always paid my bills online so I never got paper bills. I tried to check my account online with them and I could not get any information on my account. I talked to the collection agency and they can not provide me with a bill either. I called XXXX XXXX and talked to XXXX and he said it would cost me a dollar a page to get a final bill. I asked to talked to a supervisor and he said he was transferring but all I got is voicemail. I left a message but no call back. XXXX I think this is unfair!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the people affected by the recent Equifax hack. Equifax failed to protect my data. I have signed up for identity theft protection and am in the process of putting an alert on my credit reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Threatening to Sue. 

I want to file a complaint against Midland Credit Management for repeatedly threatening to sue me for the collection that I am disputing. 

Each time I contact the collection agency to inquire about the collections legitimacy or try to solve the matter, the collection representative repeatedly informs me that the file will be forwarded to a lawyer. A lawsuit will be filed against me.
Product: Debt collection

On XX/XX/2022 IC systems put a derogatory remark on my account for {$430.00}
Product: Credit reporting or other personal consumer reports

I made a request on numerous occasions for my XXXX XXXX number : XXXX be updated as paid in full and removal of all late payments!! I took it among myself to speak to XXXX myself on. XX/XX/year> at XXXX and spoke to representative XXXX from the title department on why my credit report was not showing paid in full and the balance reflected to XXXX and all negative items removed, she informed me that they did update all information and it was the three Bureaus that had not correctly updated the information I asked that they send me proof and they emailed me a letter verifying that the account is satisfied I have also submitted proof of payment.
Product: Credit reporting or other personal consumer reports

I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : 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 

I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian XXXX and XXXX has violated my consumer rights by furnishing unverified accounts this account is the result of identity theft DELETE XXXX XXXX XXXX  Original creditor : XXXX XXXX DELETE ALL NON ACCOUNT HOLDING INQUIRIES ALL INQUIRIES ARE FRAUD FTC REPORT ATTACHED & ID
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX XXXX Complaint Against Equifax, TransUnion , and Experian for Inaccurate Credit Reporting To Whom It May Concern, I am filing this complaint against Equifax, TransUnion , and Experian for failing to correct inaccurate and outdated information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c.

The disputed account is as follows : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX ( XXXX XXXX, XXXX ( TransUnion and XXXX ) Issue : The account is inaccurately reported with derogatory remarks, late payments, and a charge-off status, despite being paid and closed. I no longer owe any debt associated with this account. 

Timeline of Events : On [ date ], I sent dispute letters to Equifax, TransUnion, and Experian via certified mail, requesting the removal of this account due to inaccuracies.

The credit bureaus responded on [ date ] but failed to correct or remove the account.

I have attached copies of my dispute letters, certified mail receipts, and credit reports for your reference.

Violations : The credit bureaus are reporting inconsistent and inaccurate information, which violates the FCRAs requirement that credit information must be accurate, verifiable, and not outdated.

The account is marked as " Paid '' on some bureaus but " Derogatory '' on others, demonstrating a lack of consistency and accuracy.

Despite my disputes, the credit bureaus have failed to investigate and correct the inaccuracies, further violating my rights under the FCRA.

Resolution Requested : I request that the CFPB investigate this matter and ensure that Equifax, TransUnion, and Experian : Remove the inaccurate account from my credit report.

Provide me with written confirmation of the deletion.

Comply with the FCRAs requirements for accurate and fair credit reporting. 

Thank you for your assistance in resolving this matter. Please contact me at [ your phone number ] or [ your email address ] if you require additional information. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound concern and dissatisfaction regarding the handling of this attempt to remove fraudulent items. It is imperative to address this matter promptly and comprehensively to uphold the integrity and fairness of the process. 

The persistence of these fraudulent items not only undermines the credibility of the process but also raises serious questions about the effectiveness of the measures in place to prevent such occurrences. 

Therefore, I urge you to conduct a thorough review of the XXXX attempt to remove fraudulent items and identify the shortcomings that contributed to its failure. It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. The following items thare are fraud should be remove right away : XXXX, XXXX, XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$610.00} ; XXXX XXXX XXXX : {$2300.00} ; XXXX XXXX XXXX Balance : {$370.00} ; DXXXX XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXX : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX : {$230.00} ; XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XX/XX/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  TX XXXX ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX Balance XXXX {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card was my fathers card. He added me as a signor but I never applied for credit to be included on the account. I did not use the card. My father passed away XX/XX/XXXX. Since then they have tried to collect the debt from me and reported it on my credit. I have disputed this with all credit bureaus. After multiple times, Chase agreed to remove the information on my account. However in XX/XX/XXXXthey hit me again on my taxes with a cancellation of debt form 1099-C in the amount much less than what shows on credit report still in XX/XX/XXXX. 
Still to date, this shows as a negative closed unpaid account on my credit. How many times can they impact me negatively through my fathers card? Enough!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX date opened XX/XX/XXXX Acct. XXXX XXXX {$7100.00}, ( Reinserted : XXXX XXXX XXXX date opened XX/XX/XXXX Acct. XXXX Bal. {$1500.00} ), XXXX XXXX date opened XX/XX/XXXX Acct. XXXX Bal. {$1000.00}, Inquiries : XXXX, XXXX XXXX XXXX XXXXXXXX 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.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

Fusion Auto Finance is engaging in fraudulent business practices. XXXX XXXX works with Fusion Auto Finance to hold the title for leased and owned vehicles. I leased a vehicle in XXXX 2013, with XXXX XXXX referring me to Fusion Auto Finance. I am 2 months away from lease end, and a dealership wants to purchase my vehicle. The payoff amount ( to buy the car outright ) with loan company is {$17000.00}. Since Fusion is the holder of the title, they are arbitrarily and fraudulently raising the price to {$20000.00}, without any explanation as to why the price is being increased nearly {$3000.00}. Spoke with Fusion, who is based in both XXXX XXXX New York and in XXXX Texas. Their contact information for certain employees go to bad numbers. The New York Banking Authority has NO record of them. They are engaging in fraudulent activity and this must be corrected. The dealership could not buy out my vehicle because Fusion was charging nearly # XXXX over the loan price, without any explanation.
Product: Vehicle loan or lease

This account is invalid. FNB Omaha needs to verify under oath that this claim is valid, freeform any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

FNB Omaha XXXX XXXXXXXX
Product: Credit card

On XXXX I sent an email to the XXXX XXXXXXXX XXXX XXXX requesting a duplicate wall certificate. I requested specifically a certificate and not a wall license. On XXXX I paid {$40.00} to the XXXX XXXXXXXX XXXX XXXX after I received an invoice from them. On XXXX I received in the mail the wrong item. I received a wall license but I did not receive the certificate as requested. I contacted the XXXXXXXX XXXX XXXXXXXX but they stopped responding. I initiated a dispute on the Citi mobile app, however I accidentally clicked Withdraw Dispute. I called Citi to inform them about the error, and I asked to to either fix the error or reinitiate the dispute. They told me they will get in touch with me. It has since been 7 days and when I call Citi they have no information. I am looking to the CFPB to help me resolve this issue so I zany have {$40.00} credited back to me.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/2024 Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment for XX/XX/2024 was made on time, which falls well within XXXX 's 15-day grace period. The payment was not 30 days late, and therefore, it should not have been reported as such. 
Clerical error by XXXX : The creditor processed my payment on time, but due to an internal system error, the payment was incorrectly marked as late. This caused an inaccurate 30-day late report to the credit bureaus, despite timely payment.

Evidence provided : I have attached the bank statements and payment confirmation emails, which clearly show that the payment was processed on time. This evidence confirms that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

This is my ninth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance - ; XXXX, XXXX XXXX Balance {$1300.00} ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$8000.00} ; XXXX XXXX Inquiry : XX/XX/2022.
Product: Student loan

Right now I am currently dealing with Sallie Mae. I am paying interest-only right now due to the fact that I ca n't pay a normal payment ( they want $ XXXX a month ). This is not an option for me when I have a mortgage, car payments, etc. ( normal bills ). Sallie Mae had told me this is only an option for one year. My year is up in XXXX and I have tried to let them in on the fact that I wo n't be able to pay that amount, and have tried to discuss working with me, so I can pay them SOMETHING, and this is NOT an option I was told. The only options I was given from Sallie Mae was to let my loans go into default ( how is this helping me )?! OR apply for deferment ( if I ca n't pay the payment now this wo n't help any later in my life ). I had told them I could continue paying the amount I pay for interest only, so they were being paid SOMETHING, but they had flat out told me NO! If they will go to great lengths of not helping their customers, and would rather fight for their money when it goes into collections why would n't they take ANY money I am willing to give them WITHOUT all the extra charges?!
Product: Credit reporting or other personal consumer reports

I disputed inquiries on my report that were not related to things i consented to. After less that 12 hours they deemed their investigation complete and did not fix anything on my report or thoroughly do an investigation Items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CompanyEQUIFAX MORTGAGE SERVICES XXXXEQUIFAX MORTGAGE SERVICES, 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

Experian is useless
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth complaint reporting this, I am a victim of the data breach in XXXX   XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, for FAFSA and I am very concern about the privacy of my information my information has been compromised and it is all over in the dark web, accounts had been open in my name.You have previously removed a XXXX XXXX XXXX account, according with Section 609 a 1 A, you had to provide me with physical proof and original documentation in order to list this account in my credit as well as written notification prior to relist it, which I never got. remove this account from my credit file. If you continue listing this account I'll have to seek for legal action against your company. I am requesting these information to be block from my credit report a in accordance with the FCRA.
Product: Payday loan, title loan, or personal loan

Description of issue : I got a pink slip loan 3 years ago and I have paid over XXXX on that loan. The amount borrowed was around less than XXXX. Most of that money has gone into interest instead of the principle, the interest on this loan is over 119 %. I have to re sign a new loan because I was given 3 years to pay it off but since I have not paid it off. I still owe XXXX towards the principal. I wanted to see what options I have, I dont want to lose the vehicle. The vehicle is not even worth that amount I have paid for or the amount I owe. Please let me know what you suggest or what options I have. I have copies of the original document I signed, the payoff letter and the amount I have paid over the 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 has violated my rights. 

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

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