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

I have recently been informed that there is a negative information reported by XXXX, XXXX and Transunion in the file they maintain under my social security number. 
I challenge the accuracy and compliance of this listing. I have requested that the reporting company verify the accuracy of the information disputed, but failed.. I request that you take further action. Either send me evidentiary documentation supporting your verification or delete the accounts from my credit report within thirty days XXXX XXXX XXXX reported as 30-60 days late, XXXX  XXXX XXXX  ( transferred/sold account ), XXXX/XXXX - reported charge off, XXXX XXXX/XXXX - reported closed/late account, XXXX/XXXX reported as open an account/transferred
Product: Debt collection

I received a Notice of Garnishment from my employer on XXXX XXXX from Midland Credit Management . I wasn't told the amount that would be garnished. As of XX/XX/2022, they have started granishing my wages. I feel its unfair from a Third party. The amount that is garnished is to high.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite our previous attempts to resolve this issue directly with XXXX XXXX, the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX Date of Birth Mark : XXXX Date of Birth XXXX : XXXX Last four of social for XXXX : XXXX Last four of social for XXXX : XXXX
Product: Debt collection

I recently pulled my credit report and a collection account was added by southwest credit systems lp. This company never sent me anything by mail, email, etc. To give me the chance to verify that the debt is even valid before it was placed on my credit report.
Product: Checking or savings account

My cleaning lady tried to cash a check I wrote to her at Wells Fargo Bank. The bank claimed that they could not locate the account. The reason was that their automated check reader missed the last digit of the routing number. The check image they sent to her clearly showed the correct routing number at the bottom of the check. This is the 3rd time this has happened in the last 2 years at XXXX XXXX The deposit attempt was made at the branch in XXXX, CA. In all cases they have refused to rectify the issue. no other party receiving my checks has experienced issues with scanning them.
Product: Credit reporting or other personal consumer reports

I noticed a credit check on my credit report that dropped my credit score on XX/XX/2024. The credit check seems to be from Capital One Bank. I did not apply for a credit card from capital one, nor do I do any banking with them. I did not authorize this credit check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to this XXXXXXXX XXXX in XXXX ky and signed a credit application thru credit acceptance got approved with XXXX I paid a down payment of XXXX plus gap protection of XXXX and the loan company let the car lot change my price and forged my signature and my husband signature and they know that hes lying and they will not fix this and they are going along with him and the loan company said they dont even ask for down payments nor gap XXXX XXXX XXXXXXXX ran off with my money and vehicle and XXXX XXXX said they was going to fix my vehicle before and havent done anything
Product: Credit reporting or other personal consumer reports

CONSUMER PORTFOLIO SERVI XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX did not have proper authorization to access my credit report but did and this is a violation of 15usc1681n. this event happened on XX/XX/2023 and ever since it has been a factor of denial of my credit.
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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I requested that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Accounts Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i recently looked at my credit history and found that Portfolio Recovery associates, LLC is trying to recovery a debt that is not mine. I have disputed this online many times and they just keep putting it back on my credit. I do not owe this company anything and they are violating my rights to keep adding this to my credit history with new dates so that the statue of limitations keeps going for more years i have disputed this for at least 6 years.
Product: Debt collection

In the Year 2009 XXXX first I lost my home to foreclosure and the fist mortgage was settled and home was sold. XXXX XXXX forgave the balance of the loan How ever there was a 2nd mortgage and as of XX/XX/2009 there was never a payment on the XXXX. 

Now ten years later I get a bill ( Inclosed ) from Real time solution in XXXX Texas, XXXX. XXXX XXXXXXXX XXXX Texas, XXXX.I sent them a letter ( in closed ) informing them of the Statue of Limitations has passed but they say no! 

Thanks XXXX XXXX
Product: Payday loan

Someone claims I owe {$790.00} for a payday loan thru XXXX. I have not taken any payday loan from this company and this is the second time someone has reached out to me regarding a balance I owed over 3 years ago.
Product: Money transfer, virtual currency, or money service

My XXXX  stimulus check of {$1400.00} was cashed at Bank of America in XXXX XXXX  without my authorization or knowledge. The money was stolen from me, since I have never had any accounts at Bank of America. I contacted Bank of America asking for an explanation but have not received any response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has violated my rights under the Fair Credit Reporting Act. 

15 USC 1681 Section 602 - I have the right to privacy. 15 USC 1681 Section 604 A Section 2 - A consumer reporting agency can not furnish a 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: Payday loan, title loan, or personal loan

My original loan was {$1400.00} My fotst payment was {$260.00} on XX/XX/19 Senconf payment {$370.00} on XX/XX/19 Third payment {$370.00} on XX/XX/19 Then i can on friday XX/XX/19 to schedule the full loan amount the representative that day say my remain balance to oay in full was XXXX cents Then they wildraw out my account {$1600.00} cents i call and try to unfetstand the XXXX say he review the conversation and hecsay the amount was okey to be charge then i make the numbers and dont make sense after 3 payments 2 of XXXX and one of {$260.00} total of pauments is {$1000.00}. 44 then yo pay complete {$1600.00} is way over payment i considering this and abuse of people on need like me. Please help The comoany go with another name XXXX Or BLUE TRUST LOANS
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a mixed credit file that I became aware of back in XXXX of XXXX. After years of fighting with the credit bureaus and sending over documentation to correct this issue, their negligence has caused so much distress. Credit card companies, hospitals, debt collectors, etc have confused my identity with someone else because of this mixed credit file. We have had multiple situations like XXXX XXXX merging my credit card account with someone else. I have also had hospital bills put in other persons name/insurance. I could not resolve the issue because my personal medical information was under someone elses social security. Some of these hospital bills took months, years to fix, thus preventing my insurance company from back paying these bills due to a limited time period after my social, name, address was verified and adjusted. I have filed disputes with the bureau regarding some collections and false credit reporting and have been denied any kind of resolution. Hippa complaints have also been filed. The bureaus have compromised my identity, personal information, and privacy due to irresponsibility/negligence. We have consulted with an attorney for a possible lawsuit but have not yet hired a legal representative.
Product: Mortgage

Morning my name is XXXX XXXX I original mortgage was with Aurora. due to financial hard ship and loss of income I fell behind on my monthly payments. I contacted Aurora and explained my situation. They nstucted me to send XXXX to modify my mortgage for an affordable payment. They never did my home was sold on XXXX XXXX I have XXXX children and a XXXX mother. I received a letter from the newsletter mortgage lender. Nation star advising me to attend a workshop on XXXX XXXX which I did. I am XXXX of the victims from Aurora.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report contains false and misleading information in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Specifically, the report lists the bankruptcy court as the furnisher for an account, which is forgery and misleading since bankruptcy courts do not furnish information to credit reporting agencies. 

I contacted the courts in my state, and they confirmed they do not provide any data to credit reporting agencies. This means the reporting agency has committed fraud by misrepresenting the bankruptcy court as the furnisher for this account. 

Details of the violation : XXXX XXXX XXXX : A data furnisher is any entity that reports information about consumers to consumer reporting agencies ( CRAs ), including credit bureaus and tenant screening companies. Bankruptcy courts are not considered data furnishers. 

Violation of 15 U.S. Code 1681s-2 : Despite multiple disputes, the so-called furnisher ( the bankruptcy court ) has never reached out to me, which confirms they have no involvement in this report. This shows the information is false and the reporting agency has been lying about its accuracy. 

Failure to Notify Dispute : Under 15 U.S. Code 1681i ( 2 ) ( A ), the reporting agency is required to notify the furnisher of a dispute within XXXX business days. The agency failed to do this and continued to falsely list the bankruptcy court as the furnisher. 

Account in Question : XXXX - XXXX This account is reported inaccurately under 15 U.S. Code 1681e ( b ) and 15 U.S. Code XXXX ( XXXX ). The reporting agency forged the bankruptcy courts name as the furnisher, which is fraudulent. This account should be immediately deleted. 
I demand that this item be removed from my credit report immediately. If no action is taken, I will proceed with legal action for forgery, fraud, and violation of my consumer rights.
Product: Consumer Loan

We traded in our vehicle and contacted the holder of the loan which was Key Bank to cancel an upcoming auto debit payment and all future payments since we were no longer the owner of the mini-van. We did so days in advance and received a cancellation code, and were assured the payment would not go through. We had to take money out of our account for the new vehicle and I had bills to pay the coming week. They still took out the payment, which took my account down so far, that I was unable to buy food for the week, and has made several other bills late. When we called Key bank they gave us the runaround that the person we spoke to was not available and that we have to wait five days for the money to be refunded. This is unacceptable on several levels. We cancelled in enough time and received a cancellation code, and were reassured by a supervisor that it would not come out of our account. My wife and I have spent hours on this between excessive hold times and poor customer service. When we asked for the supervisor 's full name, the girl said that they do not give out full names. When calling we have a right to know the identify of the person we spoke to especially since they make us go through excessive security identifiers. This is very unprofessional and when we told them we need our money back now, it is preventing us from paying our bills, they did not care, and said " we are sorry you feel that way ''. To me, this why the CFPB exists and needs to step in. We need more than our money back at this point. My XXXX was racing when I saw the money come out of our account, and after hearing from my wife that they will not refund the money as quickly as they took it out, that I nearly had to go to XXXX XXXX with a XXXX XXXX. This is an unfair practice under the CFPB. I have suffered financial harm, it was not avoidable since we did our due diligence in cancelling with back up evidence of the cancellation, and this was not for reasons of competition, and the bank does not care what damage this is doing to us, by their attitude when we have called. We need some type of financial restitution, and being a bank, they need to be investigated for their practices. We looked into this bank and they have a number of consumer affairs complaints and get " a single star ''. This should give a glimpse into how good this bank is.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account # XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), the reported discrepancies remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Inaccuracy : High Balance : {$220.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Creditor Remarks : Account has been closed due to inactivity Evidence of Discrepancy : The reported late payments for XXXX and XX/XX/XXXX are inaccurate. Other bureaus and my own records indicate no late payments during these months. 
Legal Violations : FCRA Violations : Failure to maintain accurate consumer information ( 15 U.S. Code 1681i ).

Failure to ensure proper notification of payment requirements ( 15 U.S. Code 1666b ).

TILA Violations : The Truth in Lending Act mandates accurate reporting to protect consumers creditworthiness. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
I urge Experian to address this matter promptly. Should the issue persist, I will escalate my complaint to relevant regulatory agencies, including the CFPB. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My loan provider at the time, XXXX, assured me that it would help me find the best repayment options for my loans and promised that they would get me on a plan that could reduce my payments to as low as {$0.00} per month and help to forgive of any remaining balance after XXXX years of qualifying payments. They defrauded me! 

When my loan was sold, I called my current provider XXXX and they told me that XXXX tried calling me several times during the time period that I was 'supposed ' to be late, however, I did not answer those calls, thinking that they were spam calls because XXXX XXXX already told me that my loans were in good status and that I didn't have to worry about anything else moving forward. 

XXXX has already been sued for widespread unfair and deceptive XXXX  loan servicing practices and abuses in originating predatory XXXX loans.
Product: Debt collection

I keep getting harrassed to pay a debt to XXXX. Unfortunately the company doesnt even exist anymore. My debt was originally a little over 2 thousand because of some unauthorized activity was going on behind my back and i had all these open phone lines and active contracts and 4 years later it shows up on my credit report and now my debt is a little over 5 thousand. The accounts been closed for almost 5 years now so why and how is it so much money and why are they still asking for it when the company doesnt even exist anymore. A debt collector called and was harrassing me over it. Im not sure if i was being scammed or not but i was threatened that if i didnt pay it they were going to harm me financially and now its in my collections. Ive asked many times to leave me alone and they refused they would call me in the middle of the night at least 5 times. I jus need to know what i can do legally to take care of this.
Product: Debt collection

keep receiving mail fro, attorney office re debt from at least 9 or 10 yrs ago original debtor was XXXX XXXX XXXX for a XXXX XXXX XXXX that was repo and sold at auction. The creditor filed a claim in XXXX XXXX civil court and my salary was garnished. I went to court and had the interest vacated and the account was settled and removed from my credit report per the decision of the judge. This took place in XXXX when i started working for XXXX XXXX. i have repeatedly faxed the law office my response and the get more letters saying i have 30 days to respond.
Product: Credit reporting or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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: Checking or savings account

Ive sent money to a wrong person and never received money back by using XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report when i noticed that my XXXX XXXX XXXX account showed a balance {$770.00} on XXXX, and it shows a balance of {$830.00} on experian. this is a clear violation of inaccurate reporting. this is as of XX/XX/2022 i also noticed my XXXX XXXX XXXX XXXX account shows on XXXX that the balance is {$640.00} as of XX/XX/2022 but on experian it shows a balance of {$710.00} this is a violation the FCRA which states credit reporting must be 100 % accurate
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Subject : Request for Waiver of Late Fee and Correction of Credit Report Due to Repeated Account Number Changes Dear Comenity Capital Bank and Consumer Financial Protection Bureau : I am writing to bring to your attention a recurring issue with my account that has not only caused undue financial stress but also negatively impacted my credit score. On XX/XX/XXXX, I was charged a Late Fee of {$40.00}. This charge was unwarranted as I have been facing continuous challenges with my account, primarily due to repeated changes in my account number by Comenity Capital Bank. These changes have made it exceedingly difficult for me to register for and access my account online, consequently hindering my ability to make timely payments. 

Despite these obstacles, I was finally able to register and access my account on XX/XX/XXXX, the very day I made a payment. However, to my dismay, I was still charged a Late Fee. It is imperative to highlight that this issue is a direct result of the bank 's actionschanging my account numbers and affecting my access to online banking. 

Enclosed with this letter, you will find a copy of a previous letter dated XX/XX/XXXX, detailing similar issues, alongside screenshots from XX/XX/XXXX, evidencing my successful registration and payment on that day. Although Comenity has refunded a previous late fee of {$29.00}, they have refused to remove the negative mark from my credit report. 

Given these circumstances, I am requesting the following actions be taken : The immediate waiver of the {$40.00} Late Fee charged on XX/XX/XXXX. 

An update to my credit report, ensuring it reflects that my account is not late and is in good standing. 

An investigation by the Consumer Financial Protection Bureau into Comenity Capital Bank 's practices of changing account numbers, which appears to be a tactic to lock customers out of their accounts, thereby leading to unwarranted late fees and negative credit reporting. 

I fear that without intervention, Comenity Capital Bank may continue this practice, further affecting my and potentially other consumers ' financial well-being and creditworthiness. I believe this matter requires urgent attention to prevent further injustices. 

Thank you for your prompt attention to these matters. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX Enclosures : Letter from XX/XX/XXXX Screenshots from XX/XX/XXXX Additional documentation as referenced
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting several unauthorized inquiries on my account. 
XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22