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

This company, XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, unverifiable account information to the credit bureaus and is doing so without having first contacted me regarding the account being reported as having XXXX as the original creditor for the dollar amount of {$370.00}. In a recent report to the CFPB, XXXX XXXX XXXX stated that the account in question is for a debt owed allegedly owed to XXXX XXXX in the amount of {$220.00} ( See attachment ). XXXX XXXX XXXX also went on to state that I informed them that I did not wish to be contacted regarding the debt reported as originally belonging to XXXX, which is false ( See attachment ). I have never had any contact nor communication with XXXX XXXX XXXX outside of my formal complaints to the CFPB and each of the three major credit reporting bureaus Equifax, XXXX and XXXX. Direct communication with XXXX XXXX XXXX has never happened. I want to see proof that I was ever contacted by XXXX XXXX XXXX  via Certified Mail or a recorded phone call regarding any of these debts prior to them being reported to the credit bureaus. If this is not possible, these debts should not be allowed to be a part of my credit file, because that is a direct violation of federal consumer protection laws and the bureaus have a statutory obligation to protect consumers from unlawful debt collection tactics and dirty tricks such as this, deployed by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and/or XXXX, in an effort to collect on any debt, whether or not the alleged debt is valid. My complaint was originally based upon the fact that XXXX XXXX XXXX was illegally reporting this debt to the credit bureaus without first having made any attempts to inform me about its existence. It's impossible for XXXX to collect a debt on behalf of XXXX and XXXX XXXX, as these are two entirely different entities and it can not be verified which debts, accounts, or amounts are accurate due to the multiple inaccuracies and inconsistencies provided by XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of any debts that I am responsible for with neither XXXX, XXXX XXXX, nor XXXX and respectfully demand that the following accounts be deleted from my credit reports immediately on the basis that they are invalid, do not belong to me and are being inaccurately reported : XXXX XXXX acct XXXX # XXXX ( {$190.00} ) XXXX XXXX acct. # XXXX ( {$3200.00} ) XXXX XXXX Services acct. # XXXX ( {$370.00} ) XXXX acct. # XXXX ( {$610.00} ) XXXX XXXX acct. # XXXX ( {$220.00} ) None of these accounts make any sense and are so inaccurate that any attempts at updating or correcting them would only cause further undue harm to my credit score on the basis of trying to make sense of jumbled and mismanaged account data being furnished by XXXX and/or XXXX to XXXX XXXXXXXX XXXX XXXXXXXX At this point , it is clear that XXXX XXXX XXXX XXXXXXXX and XXXX and XXXX are attempting to collect a debt that either does not exist or actually belongs to a different person, because I owe no such debts and have never had any such accounts with any of these creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the COVID -19 pandemic I had contacted Capitol-1 cred card company to seek some financial relief on monthly payments. Capitol-1 had worked a payment arrangement plan with me on two accounts ending in XXXX & XXXX. We made our scheduled monthly payments as required. However, the amount due for each payment that they gave us to pay did not meet their threshold of the total amount due and now has impacted my credit as they show consecutive late payments. 

I am trying to obtain a credit union loan and have been denied because of capitol-1 's misinformation. They should make those late payments show as current. This is very misleading tactics. I have removed myself from these accounts and my wife will be closing them today.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPAs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed : XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

On XXXX I sent Experian a number of letters, signed by me, requesting to see the source of the information that alleged I had a debt. I mentioned in these letters " As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, mortgage statement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted ''. I did attach each. 

On XX/XX/25 I received back a form letter from Experian claiming " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' The letter offered a website which had no option to verify identity, and a phone number which had no option to verify identity. No option was given to talk to a live human being. 

Experian appears to have figured out that by pretending that no request can be actually generated by the individual in question, they can avoid compliance with section 609 of the FCRA. Based on a brief web survey, strong evidence indicates this is a pattern and practice of fraud within Experian, and many other consumers who are U.S. citizens are similarly jerked around. 

I also have strong suspicions that the CFPB is in on " the game '' with Experian, whereby following this complaint, CFPB will receive an identical noncompliant letter from Experian and close the case as resolved, instead of doing your job. I fully expect in two weeks to obtain this result from the CFPB, indicating your bureau and the company it's tasked with policing are in cahoots. I will then take this matter to my congresswoman, who will then send a letter pretending to do something but then do nothing. I will then take this matter to a series of social media platforms to embarrass the congresswoman into doing something during election season. That's what it takes to get things done in America today, where everybody has a job waiting for them if they play ball and XXXX the little guy. 

If you're an honest conscientious public servant who believes in upholding the law, then thank you for disabusing me of my suspicions and restoring my faith, in part, in the U.S. Government. If you're going to pass the buck, you know what else you can go do.
Product: Credit reporting or other personal consumer reports

This is the complaint and summons to Experian and XXXX for continuing to report fraudulent accounts that do not belong to be or any transactions associated with my name and social security number. I have attached the complaint and summons from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to this CFPB complaint.
Product: Consumer Loan

I purchased a vehicle from XXXX and was Financed by BridgecrestXXXX, I traded vehicle in and the loan was paid off. I also purchased extended warranty and GAP insurance thru them and are due a refund of those monies ( prorated ) as I only had the vehicle for 8 1/2 months. I have been attempting to get a Letter of payoff from them and they keep transfering me to different departments The letter of payoff is required by their extended warranty company ( XXXX ) for me to get my refund, at this point after two weeks of attempting to get the letter sent I have had no luck in receiving it. First was told to wait 10 days before making the attempt to request the letter, and after doing so have gotten a run around in contacting someone to send to me. I have followed all their rules and policies to get this situation resolved and has been to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX Dear Equifax I see that you verified the account listed below : XXXX XXXX XXXX XXXX : Account number : XXXX, Unfair. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Unfair. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Unfair. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Unfair. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
EXPERIAN : 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

Requested debt validation for account listed on report, I noticed that it's not 100 percent accurate regarding pay history, under the fcra sec 623 all data reporting must be accurate, complete and verifiable. The creditor and XXXX have not provided verifiable proof on file used to validate the accuracy of all data reporting which is required by law upon request.
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 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: Mortgage

Since 2012, I've been trying to receive an affordable modification. During that timeI I've repeatedly filed over 55 complaints with the consumer Financial Protection Bureau against Wels Fargo regarding the loan modification, credit report, XXXX XXXX  and illegal foreclosure proceedings. This prevents from obtaining a home loan. I've recently found out that CFPB file a complaint and a Victim relief fund was set up for the people that were effected. It also states in the letter that the victims were already contacted by wells fargo. I have not received any notification from wells fargo that I was included in the settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXXXXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Debt collection

My mortgage is due on the XXXX of each month with a 15 day grace period. If Seterus does not receive my payment on the XXXX, they begin calling repeatedly on the XXXX throughout the rest of the month.
Product: Mortgage

Myloancare.com has changed how their online payment fee structure works. 

If you call in with your number the call clearly states " No fees will be added if paid within 15 days '', but then goes to say " Fees will be added after 4 days after due date ''. 

My mortgage specifically states that there will be no fees if paid by the 15th, nor have I been charged any until this month. 

Now, with this change, there is no way to avoid a XXXX dollar fee ( at minimum ), whether paying online or by phone. They are going directly against my service loan, with no option to do anything but to pay the XXXX dollar fee, or more depending on how I pay. 

By submitting a payment online, I am forced to accept the service charge, if I want to pay online, otherwise can pay over the phone for {$12.00} -- All going directly against the original loan terms. 

The eStatements from the previous month do indeed say something about no fee from auto draft, and " Up to XXXX for online payment '', whereas my loan does not differentiate between the two. 

They are intentionally violating the terms of my loan by these changes, and did not send out any warning or notice of change, nor did I agree to any change as stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights have been violated. 15 U.S.C 1681 section 602 a. States I have the right to privacy. All three reporting agenicies have a different credit card utilization for all my cards and loan balances?? all my cards have been well below 10 % utilization yet my fico and all XXXX XXXX scores do not reflect that?? XXXX XXXX and Experian has been horrible with my inaccuracies and it is affecting my credit score and my ability to buy a home with better rates! 

XXXX XXXX # 1 XXXX  XXXX # 2 XXXX XXXX # 3 XXXX  XXXX # 4 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An incorrect negative statement was filed by USAA Credit Card. I protested to them and filed a complaint with XXXX  and my credit score ( FICO ) dropped from XXXX to XXXX and continues to drop. They have made promises that it will return but nothing has changed.Please help, I have always had an impeccable credit scores with NEVER a negative filing for over 50 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at XXXX XXXX  I called Carmax Customer service and spoke with them for 30 minutes and 40 seconds in reference to having difficulty making a monthly payment on time do to death in the family was told that may be able to qualify for program to skip a payment and have it added to the end of the loans term was transferred to and second customer representative in the effort to make that happen only to be told that there was nothing that could be done because I didn't qualify was then told by that Carmax customer service rep that if went online to make to post payment by Sun the XX/XX/XXXX It would not report 30 Days and that have few days extra time. At XXXX XX/XX/2021 I posted A payment with Carmax via Web site for XXXX and Mon At XXXX the finances were deposited into my credit union account to satisfy the posted payment amount.Found out the the XXXX payment was not received on XX/XX/2021 do to a credit alert I then Called Customer At Carmax at XXXX XXXX  for 9 minutes and 23 seconds to discuss this alert and the miss information that was given to me on XX/XX/XXXX. I called my Credit Union to investigate Why Carmax Payment was never withdrawn and was told it declined at XXXX XX/XX/XXXX prior to XXXX XXXX My Carmax Account information indicated to payment for the month was satisfactory despite this issue At XXXX I called Carmax for 14 minutes and 45 seconds to Remake the Payment explained the issue... My Carmax Account is showing 30 Days late on my credit report causing my score to drop 40 points. I need this 30 day Derogatory issue to change as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately. 

XXXX XXXX  /XXXX  XXXX XXXX {$810.00}, XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX {$590.00}, XXXX XXXX # XXXX {$1000.00}, XXXX # XXXX {$82.00} INQUIRIES : XXXX  XX/XX/XXXX, XXXX  /XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the " key factors '' on all of my credit reports. I requested a copy of my credit report after I got denied for credit. My actual credit report is fine, all the companies/agencies have reported my information correctly. My problem is with the actual credit bureaus themselves. They have what they call key factors and these key factors are wrong. For instance one of the key factors state " the date that you opened your oldest account is too recent ''. I do not know what they consider recent, but I am XXXX XXXX XXXX and I bought my first house when I was XXXX. So to me 33 years is not recent. Or another key factor states " your largest credit limit on open bankcard or revolving accounts is too low ''. I dont even know what that means. I called XXXX today and spoke with XXXX and he could not even explain what that means to me. I dont understand these Key factors. I have an XXXX XXXX XXXX, but I have 4 negative key factors that are coming from the credit reporting agencies themselves, not any creditor. I want these key factors removed from my credit reports. I was denied credit because of the key factors and I have worked too hard for too many years to get perfect credit for the actual credit bureaus to ruin the work I have done. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous attempts to address the issue of fraudulent items on my account. Regrettably, despite my persistence and your assurances, the problem remains unresolved. 

Despite my efforts to report and rectify these issues promptly, the fraudulent items persist, causing significant concern and inconvenience. 

I urge you to escalate this matter immediately and take all necessary steps to investigate and remove the fraudulent items from my account without further delay. Additionally, I expect transparent communication throughout the process to ensure that appropriate measures are being taken to prevent similar incidents in the future. 

Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by these fraudulent activities and the prolonged resolution process. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX