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

The unverified item listed below still remains 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 100 % true, accurate & correct. 
XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX were still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged account ( XXXX ) attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) **** 30 days have pasted and I did not receive proof that account XXXX XXXX XXXX is accurate. And therefore this account should be removed. 

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

Santander is reporting a debt on my credit file that is not mine! Also, it is past the statute of limitation in New Mexico.
Product: Debt collection

I had a XXXX service and i finished the contract before time. They have a 2 years contact. I had to finish my service because first of all they lie to me about pricing, and the quality of service. First, they gave me a price and the bills charged me the double of the price offered to me. Second, they said that the service was the best even with rain or winds, signal never would be lost. That was a lie and they even had to take that commercial tv off. With a couple of drops of rain and a little bit of rain signal was lost for hours. I did n't like being insulted that way. So, i decided to terminate my service.
Product: Checking or savings account

I stayed at XXXX XXXX by XXXX XXXX XXXX where I checked in on XX/XX/year> and checked out on XX/XX/year>. When I checked in they charged my personal debit card, and on checkout I requested a receipt however the receipt showed my company credit card numbers. 

I further reached out to XXXX in attempt to resolve this, I spoke to customer service and was escalated to the manager of the hotel. The manager said he could not see any transaction involving my debit card, or he would refund me. He stated he only saw the funds that were withdrew from my works credit card. He sent me an email to assist in a dispute with my bank against XXXX so I could be returned the funds. In the email he states that the confirmation number for my hotel stay was settled with my work credit card ending in XXXX and that no funds are needed from the card ending in XXXX. 

I then took this to my bank ( Chime ) and filed a dispute. They intially refunded my money, however when the investigation finished they found nothing was at fault and took the money back from my checking account. 

I then re-opened the case again, and it was closed the very next day stating no wrongdoing occurred. 

I opened the case a 3rd time and again it was closed 2 days later saying no wrong doing was done and they also did an investigation on their internal systems and found there was no error. 

In the 3rd email specifically, I created a document and uploaded it to my bank, explaining that the confirmation number XXXX is what I stayed at the hotel under, I show the receipt that shows the payment for the confirmation number was made by the card ending in XXXX. And further explained that my card ending in XXXX was also charged for this hotel stay. I more or less spelled out the situation for them. I find it absolutely out of this world that I have filed this claim 3 times now and it has not been resolved in 6 months. This is extremely upsetting as I'm out {$400.00}. 

I'm upset both with the XXXX XXXX, and with chime. XXXX has nothing on file that shows they ever even charged my debit card. And Chime looking in to this even with the proof I've given them state that there is no error. 

This hotel stay was billed to both cards ending in XXXX and XXXX. I find this to be extremely unfair and do not know what options I have to pursue my {$400.00}. I do however have children and a family and that {$400.00} would help me a lot. I will not quit trying to get my money back and am hoping for justice somewhere, somehow.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Complaint is with XXXX  the credit reporting agency and Transunion. XXXX  is only reporting my credit score as XXXX and XXXX is reporting as XXXX, this is due to the fact that they will not remove old issues and public records from my report. I filed a bankruptcy in XXXX of 2012 and the bankruptcy was XXXX in XX/XX/2012, 8 years ago. Every aspect of the bankruptcy has been met and my credit score with XXXX who is no longer reporting the bankruptcy is showing XXXX. I have disputed this fact with both XXXXn and Transunion multiple times over the last year and they keep denying stating it is reporting correctly and it is not. I feel as though this is a prejudice and I am being discriminated against on my credit reports. I am trying to get my score up to close on a home loan and I can not nor have I been able to for the last year due to this mis reported information. My FICO score is showing as XXXX as well however I am being punished for something that happened 8 years ago due to my husbands company going under during the economy collapse. It is seriously by law only allowed to be reported for 7 years after the discharge which is now 8 years ago. Please fix this asap so I can buy a home. I have paid off mostly everything else off in my credit report and this is just discrimination when this should have been removed over a year ago.
Product: Credit reporting or other personal consumer reports

I'm a victim of ID Theft. Please remove the following inquiries : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : application # XXXX XXXX XXXX XXXX Vendor denied credit card on basis of Equifax Credit Information Services. 

My letter to them dated XX/XX/2021 averred my outstanding credit with various accounts including XXXX XXXX and MasterCard. 

Requested explanation for their report. 

Never received response.
Product: Debt collection

I disputed online with XXXX Account XXXX XXXX XXXX XXXX in the amount of XXXX dollars. This was listed on my XXXX report this is not my account. I have had a problem with identity theft so I have alerts set up when something is added to my credit report. I want XXXX to verify this information to which they can not. I want this item deleted from my credit report immediately. I will also be mailing XXXX a dispute letter from my attorney.
Product: Credit reporting or other personal consumer reports

I AM WRITING IN REGARDS TO THESE INACCURATE ACCOUNTS BEING REPORTED TO MY CONSUMER REPORT, ITS BEEN OVER 30 DAYS I HAVEN'T RECIEVED ANY CORRESPONDANCE FROM THE CREDIT BUREAUS IN QUESTION THIS IS A VIOLATION AND CLEARY SHOWS THE CRA 'S DOES NOT UPHOLD THE LAW THERE CLEARLY MAKING THEIR ON RULES BY KEEP FRAUDULENTLY REPORTING THESE ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : DPT EDXXXX Account # XXXX, XXXX XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, ( Original Creditor : ) Account # XXXX, ( Original Creditor : ) Account # XXXX is on my account twice. ( XXXX XXXX : ) Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, have 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 an account without my written instructions. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. - 15 U.S.C 1681 section 602 A. States I have a right to privacy. - 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Some applied for credit cards and auto loans in my namei have contacted the credit bureau and companies with no results
Product: Credit reporting or other personal consumer reports

I would like to follow up regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or loopholes that may be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. Clear accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I checked credit karma on XXXX  and my score dropped from XXXX to XXXX. It erroneously shows XXXX XXXX updating a XX/XX/XXXX vehicle showing it was repossed. false it was voluntarily surrendered by me. my credit took an unnessary hit. my credit should be going up not down. i currently lease a XXXX XXXX XXXX with no late payments. Please clear up this unnnecessary confusion and bring my score up to date. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to file a dispute with Experian because they have 2 incorrect addresses for me, as well as a spouse whom I've been divorced from for 25 years and who died 4 years ago. 

I could not get through the online process at all. Wasn't able to set up the account - had to try a couple of times. Then had to upload Identity verifying documents. So got those together and added them to upload and got an error message that the online page was not working and I'd have to mail the documents in. 

This seems like a ridiculously difficult process to correct my information. It should not be this difficult and take this much time. I honestly think they want me to sign up for their emails, etc. All I wanted to do was sign up to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  does not service my loan and after consistently sending letters that have all been returned, I just now realize that this company is out of business! This company has never serviced nor held my loan! This company was fined by CFPB for fraudulent activity regarding peoples credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute that was received by experience on XX/XX/XXXX. This dispute was regarding an account called XXXXXXXX XXXX  aka XXXX XXXX. I have contacted experience on multiple occasions and the account has not been validated. I then requested the account be removed multiple times and this has not been I've been completed. It is now XX/XX/XXXX and it has been over a year now. Experian confirms that my dispute was received over a year ago and was never validated within the 30 day time frame. I am requesting this account be removed from my credit report immediately. My ability to apply for credit has been negatively impacted based on this erroneous entry.
Product: Debt collection

Complaint against : XXXX XXXX on behalf of XXXX   University -XX/XX/18 XXXX   attempted to collect a debt from online XXXX  University amount owed. XXXX XXXX, employee settled the account for@XXXX as debt paid and final. 
-XX/XX/XXXX, 2 months later, XXXX XXXX begins calling 2-3x/week stating she was a new employee to XXXX XXXX and she mistakenly settled the account for too low of an amount and was requesting additional {$500.00}. I requested to speak to a manager, transferred to team leader XXXX XXXX who stated they would not honor settlement agreement. I requested to speak to supervisor and was sent to Supervisor,  XXXX ( or XXXX ) XXXX. I left distressed voicemail that company was not honoring their agreement and it wasnot my fault that a " new employee '' made a mistake and is attempting to collect more 2 months after the fact. NOT fair business practice. 
-XX/XX/18, I called back to speak with XXXX XXXX and spoke with XXXX ( XXXX ) who took my detail complaint and was going to submit to supervisor. 
-XX/XX/18 I called to request to speak with XXXX XXXX , company hung up on me. 
-XX/XX/18 I called to speak XXXX XXXX . I was hung up on. 
-XX/XX/18 Called back and asked for XXXX XXXX , she was rude and stated they would not honor settlement agreement. I requested to speak to XXXX 's supervisor. She refused and then stated she would negotiate for {$110.00}. I declined stating that debt was paid and I owe nothing. I requested that XXXX contact the university. XXXX finally agreed to contact corporate and acknowledged that new employee made mistake and they were not honoring agreement. 
XX/XX/18 I spoke to XXXX XXXX, financial aid advisor for South University. She emailed me 50/50 match settlement of {$150.00}. I asked for time to get reply from XXXX XXXX -XXXX through XXXX, I did not get response from XXXX XXXX . 
XX/XX/18 Called for f/u on settlement agreement. I was informed that original agreement will not be honored XX/XX/18 I emailed XXXX XXXX, XXXX Univ financial aid advisor, and I agreed to email settlement of {$150.00}. 
XX/XX/18 resent email to XXXX XXXX and I was informed that financial aid would no longer honor the agreement and recommended I keep working with access receivables to negotiate new settlement. 
XX/XX/18 Left voicemail for XXXX XXXX. 
XX/XX/18 I called to f/u with XXXX. XXXX XXXX informed me that XXXX has been on vacation so he f/u with XXXX XXXX   supervisor XXXX XXXX who related to XXXX that agreement will not be honored and owe {$500.00}. I told XXXX that I had written proof that XXXX University was willing to settle for {$150.00} and requested they honor this at least. XXXX requested I email him the settlement email and he would pass it along to supervisor. I emailed XXXX the settlement offer from XXXX Univ. XXXX wouldn't confirm if he had received email. I called access receivables and XXXX confirmed he received email. 
XX/XX/18 I called XXXX and their was no response. I emailed XXXX again with email settlement. No response. 
XX/XX/18 Received letter from access receivables threatening to ruin my credit by reporting debt to credit bureaus. 
XX/XX/XXXX I am submitting this complaint.
Product: Mortgage

It has been seven long years since the financial meltdown. I have spent several years of my life attempting to do a loan modification on my own house and a rental property. 
The banks and " investors '' that own these loans are just paying lip service to us. 
The banks have only paid fines and now they are bigger than ever and just asreckless. XXXX XXXX has not seen any of this money. Inflation is high to the people that are paying bills and actually go to the store to buy food. 
The handling of this has created another reminder that there are XXXX sets of laws. 
Not one person has gone to jail or lost their position and yet they came so close to destroying America. 
Oh. It also created another department of government- the CFPB. 
I have complained years ago about this same issue and so have many others, but nothing has been done. 
Heck, XXXX sends people to jail just for shorting positions. 
I can only say that me and many people I talk to are fed up and disgusted at theability of the greedy and unethical to continue to thrive in this country. 
This sounds like a rant- because it is a rant and complaint because NOTHING has changed. 
* After completing this process, I have one question. 
What makes the CFPB any different than the XXXX????
Product: Credit reporting or other personal consumer reports

I am submitting supporting documents XXXX and Experian and XXXX claim the document was not valid. This is in fact an affidavit of truth submitted and officially with ftc.gov and the report number is listed. 
The Experian, XXXX and XXXX data breech has caused a case of identity theft with the accounts listed. The bureaus wrongfully put a debt on my credit report that is not authorized by XXXX XXXX XXXX I have submitted an affidavit of truth, along with identity documents These accounts are due to identity theft. These accounts are not mine. I have uploaded and filed ID theft report with FTC and will pursue litigation. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 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: Debt collection

I have previously requested validation of this debt under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s-2 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

XXXX XXXX XXXX is reporting inaccurate information on my Equifax credit report. I have requested numerous investigations into this matter, one as recently as XX/XX/2023. I have not received any communication regarding this matter which is a violation of the law mentioned above.