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

The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments.

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX DISCOVER BANK is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX, DISCOVER BANK is a financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX XXXX DISCOVER BANK whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXXXXXX XXXX XXXX XXXX, DISCOVER BANK never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

On XX/XX/XXXX, I reached out to the attorneys office, Garner and Conner in Tennessee representing creditor XXXX XXXX to follow up with them regarding a payment arrangement for a balance of {$15000.00} that I had from a voluntary repossession. When I spoke to the Legal Assistant, XXXX XXXX, she informed me that I now have a default judgment as of XXXX of XXXX which now made the balance {$25000.00} accumulating interest daily. I was totally unaware about a default judgment because I never received any correspondence regarding it because of course, I was trying to work something out with them before the new alleged court date ( original court date set for XX/XX/XXXX ). I had been in contact with this office since XX/XX/XXXX to set up a payment arrangement initially dealing with a legal assistant who no longer works there. When I filed a complaint around that time, they responded by saying they had reset my court date to give me more time to arrange a payment plan. The court date was never reset, and this was also confirmed by the Nashville XXXX XXXX court. XXXX XXXX  sent me a letter stating that if an acceptable arrangement isnt worked out, the matter would be pursued in Nevada where I currently reside as of XXXX, and I hadnt heard anything else since. After speaking with XXXX, she informed me that my case would be handed off to another legal assistant, XXXX XXXX. XXXX XXXX  requested my last two check stubs and my monthly expenses which I provided on XX/XX/XXXX and offered 20 % of the balance, so Im not understanding what is taking so long to decide if they would accept my offer for a settlement. We literally just went through a pandemic, and people are trying to get back on their feet including me. I am trying to take care of this matter and get this mistake behind me, and I feel that they are stalling and I am getting the runaround. XXXX was supposed to check with her supervisor to find out what happened to the court date that was supposed to have been reset. The ball was dropped somewhere and this is not only affecting me, but the future of my XXXX  son, as I am a single mother. Ive followed up with XXXX a couple of times regarding this, and she stated that her supervisor hadnt looked into it yet and it had been 2 weeks that passed. I called today because another 2 weeks has passed and still nothing!
Product: Checking or savings account

Follow up regarding COMPLAINT ID XXXX SUBMITTED ON XX/XX/2024 XXXX report similar issue.
Product: Credit card or prepaid card

Hi XXXX XXXX, We have noticed transactions on your Milestone MasterCard Account ending in XXXX that indicate unauthorized activity may have occurred. Please choose the appropriate response below to confirm whether or not you authorized the following transaction ( XXXX ) or call us immediately at XXXX. 


Date $ Amount Merchant Name XX/XX/26 XXXX XXXX XXXX XXXX null These transactions were performed by me, or someone authorized by me to use my card. 



These transactions were NOT performed by me or someone authorized to use my card. 



If you have already spoken with us regarding this matter, please disregard this email. Please don't hesitate to contact us with any additional account needs. 


You may not be able to make purchases on your Milestone MasterCard Card until we hear back from you. 

Sincerely, Genesis FS Card Services XXXX XXXX XXXX XXXX ( Available XXXX Eastern Time ) *Note : If a dollar amount is not identical to what is shown on a transaction receipt, this may be due to a pre-authorization, which has not yet posted to your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking #. XXXX According to the FCRA 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 with others with whom he is acquainted or who may have knowledge concerning any such items of information.

they stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX
Product: Checking or savings account

I am XXXX and run a XXXX XXXX. I provided the documents required to open my account with US Bank but was told they were not legible. I was asked to resubmit them at least 5 or 6 times. I submitted them each time I was asked, but they kept looking at the first documents I submitted and telling me they were not legible. Because I am XXXX and permanently XXXX, I have some challenges with my handwriting, which I repeatedly explained and asked for assistance and if they have an XXXX XXXX. One person joked about my XXXX and asked me what my XXXX was and told me I just needed to write the form better and that it wasn't their problem that I couldn't write it better. She hung up on me and then she actually picked up the phone and laughed at me when I called back. I repeatedly explained that I would like assistance and was finally told by a XXXX they had an editable version of the form, but that the issue was rectified so I didn't need to complete it. After this, my account was closed - backdated to XX/XX/XXXX. The reason noted in the letter I received about my account being closed on XX/XX/XXXX, ( dated XX/XX/XXXX - showing my account closing effective for XX/XX/XXXX ) was that they had been trying to reach me by phone, email and mail - even though I had been assured on multiple occasions that the issue had been resolved as recent as an email I received on XX/XX/XXXX - confirming my account is active and open as of that date.
Product: Student loan

I currently have XXXX loans that were originally taken out with XXXX for XXXX aka XXXX, fast forward they are currently being serviced by navient. for the last XXXX years I have been repaying them under the income based repayment plan. just recently we renewed the terms and agreement, come to find out they have been harrassing me and threatening to purse legal action because I 'm currently XXXX days past due. they have been removing the agreed amount out of my account yet they are only applying it to the original amount that I could n't afford and they have been calculating interest and damaging my credit as well.
Product: Debt collection

On or about XX/XX/2019 PDQ Services INC located at XXXX XXXX CT XXXX XXXX XXXX GA XXXX Placed a debt on my credit report that does not belong to me, I was never contacted by this company or received any correspondences from PDQ SERVICES INC I have never heard of them this negative account that was placed on my report does not belong to me.
Product: Debt collection

I paid the XXXX XXXX XXXX {$3300.00} on XX/XX/XXXX. They released me from my lease after this fee was paid. In XX/XX/XXXX, I started to receive many calls from XXXX XXXX of CSRS Inc. I refused to answer the telephone because the number was unknown. However, Mr. XXXX left voicemails and urged me to to contact him. So I called and informed him that I did pay the amount and he apologized and informed me that he would remove the charge off of my XXXXXXXX report which he did remove. However, he sent me another voicemail stating that I was not the original payer of the debt and that I could go to jail. He then began calling me again early mornings around XXXX to XXXX XXXX. He left another voicemail on XX/XX/XXXX stating that I was a fraud and that CSRS Inc. along with the XXXX XXXX were taking me to court. Afterward, he put the collection back on XXXX, and additionally to my XXXX report. I have provided both him and the credit bureau with my receipt dating back to XXXX and informed Mr. XXXX that my bank did not return the payment and that I never received any notice from XXXX XXXX XXXX about this matter. I also informed Mr. XXXX of CSRS Inc. that the XXXX XXXX XXXX have since rented out the apartment immediately after I moved out. Also, that I moved out of fear of my life due to exposing the company for not assisting me after my apartment was flooded, and the vandalizing and destruction of my car after complaining to the company about their staff mistreatment. Then, I changed my phone number to avoid further contact.
Product: Vehicle loan or lease

I obtained a loan from Capital One Auto Finance ( COAF ) for a XXXX XXXX. I received an email from COAF offering bi-weekly payments. I went to their website from the email link and configured my bi-weekly payments to begin on XXXX. First payment was due XX/XX/XXXX. I received an email from COAF on XX/XX/XXXX indicating my payment was late. I confirmed via my Capital One account that my payment was sent via ach and received on XXXX. I called COAF to inquire and was told that since my bi-weekly payment, configured on their site as prompted by their email, was only XXXX of the balance due my account was considered late. 

I used the Capital One system to configure my payments. There was no indication that by setting my first bi-weekly payment on XXXX that my account would be past due on XX/XX/XXXX. The system should have sufficient controls built in to advise the customer that the condition was not adequate, that the first bi-weekly payment needed to be due XXXX weeks earlier or that an initial full payment was required to keep the account current. 

I complained to COAF about the lack of system controls and lack of clarity in the emails and on the website related to configuring bi-weekly payments. A complaints agent indicated that she had heard this same complaint from other customers and that Capital One had done nothing to improve their processes or information to mitigate the issue. 

I believe the lack of controls and failure to act has resulted in additional interest accruals for me and potentially thousands of other COAF customers. Capital One is gaining interest income by continuing these deceptive payment plan advertising schemes and failing to remediate a known issue resulting in negative financial impact to customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, XXXX and Experian credit reporting agencies 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 several accounts opened under my name, all of those have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit, SOCIAL SECURITY, ID AND A DOCUMENT FORM WITH ALL ACCOUNTS AND HARD INQUIRIES as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified 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 furnished, accepting unreliable responses, and failing to adequately notify consumers of dispute 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 inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Any CRA can only furnish a consumer report as provided in 15 U.S. Code 1681b ( 1 ), ( 2 ). Transunion does not have my consent to furnish these items nor provide me with a document that proves that a court has ordered the furnishing of these items on my consumer report. Unless Transunion can provide proof, a bank can not extend its own credit lawfully and therefore can not furnish a consumer report. 

I am requesting that all these items be removed from my report immediately. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. Equifax Has me listed as formerly known as XXXX XXXX and XXXX. This is incorrect. I have never been known as " XXXX ''. I have requested multiple times for my name to be represented properly. I wish for " XXXX '' to be removed from the list of former names.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 section 604 Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions..

15 U.S.C 1681c. ( a ) ( 5 ) Section States ; No consumer reporting agency may take 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 1681-2 ( 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 accurate
Product: Credit reporting or other personal consumer reports

According to your previous response to my complaint, you said " ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY '' XXXX : XXXX, is illegally still reporting on my credit report. this account is outdated! the date of first delinquency was XX/XX/year>. ITS BEEN 7 YEARS! THIS account needs to be Deleted off of my credit. 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 XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX : XXXX However, they stated everything was complete and accurate. But how is that possible if this account is being reported illegally on my credit report.. 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

in XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiries that i have listed are fraudulent and need to be deleted pursuant to 15 USC 1681c-2. Also, Pursuant to 15 USC 1681e ( b ) you must maintain accurate records on my credit file at all time. Please update my personal information to reflect accurate records only. 
DELETE ADDED INQUIRIES : XXXX XXXX  XXXX XX/XX/23, XXXX XX/XX/23, XXXX XX/XX/23, XXXXXXXX XXXX XXXXXXXX XX/XX/23, XXXX XXXX XX/XX/23, XXXX XXXX XXXXXXXX XX/XX/23, XXXXXXXX XXXX XXXXXXXX XX/XX/23, XXXX XX/XX/23, XXXX XX/XX/23. ( XXXX ) ADD ACCURATE ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. DELETE PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX CA XXXX. DELETE INACCURATE EMPLOYER : XXXX XXXX XXXX. 

Please see attached identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being taken advantage of by XXXX, XXXX and Experian. These XXXX companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Debt collection

I received a phone call to my job stating that I was being sued for a debt from 2007 from XXXX XXXX  XXXX. I was told I needed to make a payment to avoid being sued. Debt collector would not provide a copy of the debt. I was called by XXXX. I was sent information to my email from a company called XXXX. I have been receiving repeated phone calls about the debt to the point where I had to tell the agent not to call my job again.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despiste using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.