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

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

In accordance with the Fair Credit Reporting act XXXX US Bankruptcy 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 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

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 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX payment history is reporting inconsistently. 

XX/XX/2018 XXXX says 'ok ' XX/XX/2018 Equifax says late XXXX ' XX/XX/2018 XXXX says XXXX ' XX/XX/2018 Equifax says late XXXX ' XX/XX/2018 XXXX says late XXXX ' XX/XX/2018 XXXX says late XXXX '
Product: Credit card or prepaid card

I have a Victoria 's Secret credit card showing on my credit report. The status is saying that it is included in bankruptcy. This account was not included in bankruptcy. This is a violation of the FCRA. It has been paid off with their servicer XXXX XXXX  in return for them promising in writing to delete the tradeline completely from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX ( Original Creditor : ) XXXX
Product: Mortgage

Bank of America accepted my mortgage for modification but I rejected their offer. Now when I make a full payment on my mortgage, they do not apply it to my loan but instead hold the money as a " XXXX '' until the payment is late and apply a late fee to my account. This has occurred for two consecutive months beginning when I rejected their offer of modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so stressed that Experian is reporting false information. Investigation took more than 30 days and they are breaking the law by failing to respond to my dispute.
Product: Credit reporting or other personal consumer reports

An inquiry was was add to my credit that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in questio n (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ).  They admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  XXXX  they have hurt. Their mistake cost me  XXXX  points on my  credit score.    Contract monthly payments are  XXXX . We pay  XXXX /month to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.
Product: Vehicle loan or lease

My car loan got charged off in XXXX which i wasnt even aware until they tried to repo my car. i never received any letters or emails stating how dangerously past due my account was- this was late XX/XX/XXXX into XX/XX/XXXX, i was struggling with a job since everything was going back to normal. I was unclear with some of the terms of the loan, as loans were very new to me at that point unfortunately. Had I known the outcome then i would have done something differently. I have talked to WellsFargo XXXX times in regard to trying to get my account in good standing again & all options presented to me just arent realistic. The loan amount that i have left to pay off is almost {$12000.00} so when Im given the option to pay that off in 5 payments, its just not feasible. I have tried asking them to reinstate my account, I have talked to other vendors & they told me theres a hold on my account so they cant release any information to financial vendors. 

Im just very confused & would so appreciate some help with this. Thank you in advance.
Product: Debt collection

I have reached out to XXXX XXXX XXXX for a purchase agreement and itemized bill which I believe this debt buyer is collecting in an unethical manner and thats a violation of the fair debt collection practices act I have reached out with no answers XXXX  is also reporting to my credit as a charge off which I have not received any 1099-C forms there is also the wrong date information on my credit report as far as when I opened the loan thats inaccurate.and its been over XXXX  days XXXX wand this deleted asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not provide me with their method of verification requested on XXXX XXXX after receiving the results of a reinvestigation for XXXX acct # XXXX. Under the FCRA I had the right to request after the reinvestigation, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. Experian instead sent me an E-Oscar automated generic message that did not meet the FCRA notice of results of reinvestigation ( see below ) or my request. This is the same message they sent me for other request to reinvestigate and after they reinvestigated, I requested their method and verification and each time this is the exact same notice I receive. It neither includes : a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.
Product: Money transfer, virtual currency, or money service

After months of losses in stock market, I read XXXX investment groups discussing investment strategies looking for something better. In them I read about XXXX XXXX making a big difference in several peoples portfolios. I clicked on his name to see about him, and days later got a pm asking if I had reached out to him. This was in early XXXX. Over the next two months I sent the remaining money from my XXXX account to places he instructed me to and began to see big returns. In reflection, I see many flags, but I was caught up in it completely. When I attempted to withdraw some I was told I had to pay 20 % commission ( {$10000.00} ) on the gains of {$60000.00}. 
After I paid almost all in four payments, I was told I had to pay it again but in one installment. I finally realized I had been scammed and filed reports with the FTC, FBI and Secret Service. I sent a letter per suggestion on FTC website to the bank, only to receive four letters stating they would refund the money sent with my debit card only if they can recover the funds. A lady from Secret Service is doing some things to try to catch him, but says not likely my money will be found because digital currency is hard to trace, even though I sent to her all transaction ids.
Product: Debt collection

My wages were garnished on XXXX due to a collections debt. Im unaware the debt, has never spoken to this collections company and the debt has not been VALIDATED. The collections company is in violation of the FDCPA guidelines as NO written notice was provided/ received by me prior to this garnishment therefore I had NO TIME to try and resolve. My correct address is updated with all 3 major credit bureaus so Im unsure why a notice was sent to an INCORRECT ADDRESS. I believe that is an UNFAIR tactic used by this collections company to try and collect payment due to my employer being located ( and not my address? ). The attorney of the collections company LIED to my employer stating I am in communication with their office and that I am aware of the debt and garnishment notice, WHEN I NEVER RECEIVED ANYTHING. This is incorrect and is considered Unfair Practice as unconscionable means were taken.
Product: Credit reporting or other personal consumer reports

Sunday, XX/XX/2025 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This is the XXXX time disputing this account. 

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 

Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Incorrect account status Instruction : The account status is being reported as " Derogatory '' which is not correct. Please fix this or remove the entire account immediately. 

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

I recently noticed an account placed on my credit report. I was unable to access my credit report for several months but the representative helped me resolve the issue. I would like you to look further into this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent information from my credit report due to identity theft. Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 1681E ( B ) Accuracy of report whenever a consumer report prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of all information concerning the individual about whom the report relates. 
15 U.S. code 1681 i ( s ) Treatment of inaccurate or unverifiable information ( a ) In general if after my reinvestigation under paragraph ( 1 ) of any information disputed is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation; And ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file or consumer. 
I have identified unauthorized accounts on my credit report that I did not open or authorize. Under 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of any information that the consumer identifies as resulting from identity theft. 
Accounts : Collection Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts 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/updated. 

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. 

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!
Product: Credit card or prepaid card

XXXX XXXX, in partnership with XXXX 's XXXX, issued a credit card promising cash back for purchases. Until this year, cash back checks were attached to statements and easily overlooked, particularly by cardholders who pay bills online and do not rely on paper statements. I recently came across such a cash back check while working on taxes, but noted that it was well past the printed expiration date. I contacted the credit card company to request a replacement check and was told this was prohibited by " bank policy. '' This {$180.00} check had been overlooked because of a bank practice of attaching them to statements instead of sending them in separate check envelopes. Now the bank is taking advantage of its own dubious practice by converting my funds to its own use.
Product: Credit reporting or other personal consumer reports

XXXX Credit Card - XXXX - or XXXX XXXX XXXX XXXX  - on XXXX incorrectly and unfairly reduced my credit limit from {$10000.00} to {$0.00} without any change in my account balance, without offering reason or intimation. 

" On XX/XX/2023, the limit on your XXXX XXXX credit card decreased by {$10000.00} from {$10000.00} to {$0.00}. '' This adversely impacted my credit score. Their support is not reachable over phone and only send out template responses to support inquiries over email. 

Despite actively trying to resolve this issue over several weeks they are neither reinstating my credit limit nor explaining themselves - I am requesting the following information : XXXX. Why was the credit limit erroneously reduced from {$10000.00} to {$0.00}? 
XXXX. What change in my account balance prompted this change from {$10000.00} to {$0.00}? 
XXXX. Was there any communication before erroneously reducing this to {$0.00} and reporting this incorrect information? 
XXXX. What measures have you taken to reinstate it to {$10000.00}?
Product: Credit reporting

I have made reasonable attempts to XXXX XXXX with Experian, including the having the creditor agree that the reporting is inconsistent. I have attached a copy of what is being reported by the XXXX major credit bureaus, and as you will see, there are a number of inconsistencies, including credit bureau reporting variations. It is certainly not unreasonable to request this item be deleted, due to the unwillingness of Experian to report accurate information. I am no longer liable for this item, it is paid in full.
Product: Mortgage

I have applied for a credit mortgage at Wells Fargo. I received my approval letter for {$250000.00} in XX/XX/2020. So far so good ; however, the mortgage counselor asked me for more documents, so I brought everything I had and informed him about my divorce proceedings and specifically, that I do not have a divorce agreement already signed by the court. A couple of months later, the first week of XXXX, I signed a contract to buy a house. I had a meeting with XXXX XXXX XXXX ( Wells Fargo mortgage consultant ) where I asked him if nothing could interfere or block the purchase process, he assured me that nothing could hold up this process. I paid {$350.00} for the home inspection, {$120.00} for the pest inspection, and {$510.00} for the appraisal deposit. What was my surprise when Wells Fargo delayed my mortgage approval, consequently, the seller dropped the contract. In conclusion, I was unable to purchase the home because a court signed divorce agreement was a requirement to complete the mortgage process. Wells Fargo just told me, sorry I don't know what requirement would be unresolvable until the last part of the process. And I wonder what happens to my money, who can pay me back? How can a bank of that level have such a degree of inefficiency, are customers important to Well Fargo, does Wells Fargo take care of customers ' finances, obviously not. I have all the correspondence with XXXX XXXX as proof that I am being honest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is the XXXX party trying to collect in this debt. Velocity Investments purchased this debt from XXXX. Now Velocity is claiming that I owe them this debt. {$2600.00}, from XX/XX/year>. 
Summary of Complaint : I am submitting this complaint against XXXX XXXX concerning their collection practices and the validity of the debt they claim I owe. Below are the specific issues : Ownership of XXXX : Provide documentation of the chain of ownership, including how the debt was purchased and transferred to the collector. 
Legal Collectability of Charged-Off Debt : Clarify how a charged-off debt remains legally collectable and why collection efforts are continuing. 
IRS Reporting ( 1099-C ) : Explain why a 1099-C form has not been issued if the original creditor has canceled the debt for tax purposes. 
Compliance with FDCPA : Detail how the collector is adhering to FDCPA rules in their communication and collection practices. 
Use of OC-10 Federal Reserve Window : Explain whether the original creditor used an OC-10 Federal Reserve Window or similar process involving negotiable instruments, such as a promissory note, to settle this debt, and clarify why this debt is still being pursued if it was already processed through such mechanisms.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Debt collection

We lived at the XXXX XXXX XXXX in XXXX XXXX NV. We gave notice to a employee named XXXX after we left we noticed that they reported us to multiple collection agencies when we contacted the collection they said we had skipped out which we did not. I asked for evidence to prove such and to date still refuses to fix it we gave disputes on reports comes back meeting fcra standards which I'm not sure how and they recently reported as a apartment not a hotel causing us to become homeless living in motels. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity Theft, exposed in the XXXX Databreach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information in a consumer 's credit report that is a result of identity theft once the appropriate documentation is provided. Additionally, I am aware of the ongoing lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which addresses violations of consumer protection laws, further underscoring the need for strict adherence to FCRA provisions in safeguarding consumer rights.