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

I pulled my consumer credit report and found an inaccurate account listed. I've made several attempts to dispute this negative, erroneous, and unverified account by USPS Registered Mail. I ask that this re-aged account be immediately deleted. This account is hindering my ability to obtain funding, tradelines, and causing me to pay higher interest rates. This violation of the Fair Credit Reporting Act ( FCRA ) should be remedied. This account is also reporting differently on all 3 Major Credit Bureaus. 

ACCOUNT NAME : I C SYSTEM COLLECTIONS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 
ONLY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX, XXXX ) - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA.

Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified.

IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE.

I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

The original creditor was allegedly XXXX XXXXXXXX XXXX  ( XXXX ) then XXXX  and now Selip & Stylanou. 

This collection has been dismissed, ceased & deceased because the status of limitation has expired as a matter of law. We have contacted XXXX  to dismiss this matter to cease and desist this matter. Now it is been sold again to a new agency called : " Selip & Stylianou , LLP '' and we're asking you to cease & desist because this account is no longer a matter. 

XXXX XXXX Account XXXX
Product: Credit card or prepaid card

Discover card opened in my name. Discover called me on XX/XX/2019 concerning 'suspicious ' charges. I told them I did not open account, did not want card and close it. They said additional card issued in my daughters name. I told them I did not approve and close it. I would check with my daughter. I called numerous times over the next few months. Card was closed and new one reissued. Discover allowed over {$9000.00} to be charged after they were told multiple times I did not open this account, did not want it and close it. I have filed paperwork and called to have it closed. Discover is now calling me up to 10 times daily and harassing me. They say I knew about the card so I am responsible. The same conversation I found out about the account they were told to close it. When balance was about {$4500.00} I finally got it closed and they opened a new account. I have not made one charge on this Discover card. I never received a card.
Product: Credit reporting or other personal consumer reports

I sent a letter to the XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as per the XXXX SEC filings ; requesting my information is no longer be shared with third parties without my expressed consent in writing. I informed XXXX, Transunion, and XXXX that I have chosen to exercise my right as per the privacy act of 1974, which went uncontested with XXXX and XXXX XXXX XXXX XXXX, and they are yet to update the account. In addition to that I informed the representatives of XXXX, Transunion, and XXXX that as per the IRS publication XXXX certificates of indebtedness are deemed as income and income is not to be furnished on a credit report. I've uploaded the letters that were sent to both XXXX XXXX XXXX XXXX XXXX XXXX
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.

T

his practice violates the Fair Credit Reporting Act ( CRA ), 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 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$2000.00} {$2100.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Highest balance {$2100.00} Monthly payment {$61.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - XXXX XXXX XXXX - On Time 30 Days Late - Data Unavailable late FCRA never late XXXX  Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXXs Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status A brief message describing the status of the account. Accounts may be open, closed, unclassified, or unknown. 
Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} add payment history XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$5000.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Original loan amount {$5000.00} Monthly payment {$0.00} Late payments - XXXX XXXX XXXX, XXXX. 
{$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status A brief message describing the status of the account. Accounts may be open, closed, unclassified, or unknown. 
Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$26000.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Original loan amount {$26000.00} Monthly payment - Late payments - add unknown payment history SYNCB/SCOREREWARDSDC {$0.00} Closed Unknown payment history add back on XXXX {$20000.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened Indicates the date an account was opened XX/XX/XXXX Account type Credit Card - Revolving Terms Usage : - Balance on XX/XX/XXXX Credit Limit {$20000.00} - Payment Info Status Current Status date XX/XX/XXXX Past due amount - Highest balance {$40000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - XXXX XXXX NOT MINE ftc VIOLATIONS AU
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, After disputing account XXXX XXXX Acct # XXXX multiple times I filed complaints with CFPB for the account with XXXX, and Experian. Complaints and complaint results are attached. Both claim to have verified and updated the account, however, the account still has inconsistent information with the bureaus which include, the balance, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I leased a new XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX. XXXX, FL. All went well and I was a happy customer. On XX/XX/XXXX I went to shop for a new vehicle and find out if there were any specials going on. I was able to return my XXXX XXXX and lease a new XXXX XXXX XXXX. All was still fine and I was a happy customer. In XX/XX/XXXX my husband and I both received a bill for {$580.00}. I immediately contacted XXXX XXXX pertaining to this bill. I was told that since I had paid for an excess wear and tear policy on the XXXX  and leased another vehicle there should be no payment due. Before I could do anything about this, XXXX XXXX reported this to the credit bureau as 90 days in the rears with a {$580.00} balance. In almost 12 years of leasing vehicles with XXXX my payments have never been late. As soon as this was reported to the credit bureau my husband and my credit scores dropped XXXX to XXXX and XXXX to XXXX. 100 points and I am still trying to get it fixed. Numerous calls to XXXX XXXX, numerous disputes with all credit bureaus and emails to XXXX XXXX which go unanswered. I have paperwork that shows I do not owed the excess wear and tear of {$150.00} and the disposition fee of {$390.00} that was charged in error as I leased another new vehicle from XXXX. I am getting no where with XXXX XXXX, the credit bureaus, or XXXX after 3 months. This has damaged our credit scores and kept us from financial opportunities. The {$580.00} is still on my credit report and it is now showing 120 days past due. And still on my husbands credit report.
Product: Checking or savings account

{$140.00}.. I have photos of my checking account which is the most pertinent information / document thats needed. They have a transaction processing as of yesterday morning at XXXX am but are saying the found are in my account when they arent!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below on my Transunion consumer report has violated my federally protected consumer rights to PRIVACY and CONFIDENTIALITY under 15 USC 1681. XXXX XXXX XXXX This account 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 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: Credit card or prepaid card

Capital One is holding my funds after I paid my credit card. Yesterday I paid my credit card with my CAPITAL ONE checkings account and the money has been cleared and is gone out of my account and theyre still holding my money for EIGHT DAYS!!!! Thats outrageous since I used the same bank as the credit card to pay and the money has been cleared.
Product: Debt collection

I was diagnosed with XXXX XXXX in XX/XX/2014 and insurance company took their time paying XXXX hospital in XXXX so XXXX hospital sent the amount to XXXX XXXX XXXX within a month of my XXXX. Insurance paid this debt. No matter how many times we talk to the law firm they wont take it off my credit. I have called XXXX hospital and they apologized but nothing was done. Whats my next step. Oh I did go to the clerks office and they are sending me the paid bill.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX
Product: Credit card or prepaid card

I have a BestBuy Visa card. I have not used it for years and set up automatic payments to pay off the amount owed, which was under {$1000.00} and the limit was {$1000.00}. In XXXX, I was mailed new cards for myself and for my mom ( I was not aware that she was on the account as she is in a XXXX   XXXX XXXX ). Shortly after that, BestBuy stopped mailing the statements to me but when I went online, the payments were still set up. 

In XX/XX/2019 I started getting calls, sometimes up to ten calls a day from Citibank informing me that I was past due and over the limit. This should have been impossible because I did not use the card and the automatic payments were being made monthly. I informed their representative of this and was yelled at and told that I better pay up. Because of the repeated calls and the attitude and language of the " customer service '' representative I thought it must be fraud. 

I decided the best course of action would be to send in some extra payments of {$75.00} each and request a statement. The calls continued and today I received an e-mail that my account is past due. 

I believe this is all false information and I think there is something amiss.
Product: Mortgage

applied for refi mortgage on XX/XX/XXXX my home is a manufactured home, company said that w.as not a problem went thru credit income verifaction all was ok then they did appraisel value to loan ratio was ok three months later they wanted a building permit for my finished basement that included a in law quarters that is not metered separate the tax records list as single family the basement was finished 20 years ago then 2 weeks later they sent me a denial notice it was an unacceptal property.so they drug this out for three and a half months could not get any direct reason why other than you cant have inlaw quarters in a manufactured home not shure where that rule came from but i feel that this is a case of unfair lending practices
Product: Mortgage

In XXXX, I received notifications from Nationstar indicating that I was roughly XXXX months delinquent on my HELOC payments. Despite numerous attempts to resolve the issue with the company, the matter remained unsettled. I requested documentation for the allegedly missed payments but never received it. 

In XXXX, I approached XXXX  to express my concerns about Nationstar. Subsequently, I received an email from an unknown sender at Nationstar containing only a link, which I did not open due to security concerns. By XXXX, Nationstar ceased accepting my monthly payments unless I cleared the purported arrears. 

Nationstar later issued a foreclosure warning on my property. In efforts to clarify the situation, I contacted them only to be told the information had been previously emailed to me. Upon request, the information was resent and revealed that no payments for XXXX  were recorded, a claim I disputed given my consistent payments. 

I revisited XXXX  to voice my grievances, where it was suggested I compile all payment proofs for submission to Nationstar. Reluctant to shoulder this burden due to Nationstar 's administrative errors, I was nonetheless assisted by a XXXX representative who confirmed XXXX of my payments and offered to forward this proof while I gathered the rest. 

After submitting all required documents through the provided portal, Nationstar updated its records to reflect the payments but failed to amend the accrued interest errors. Subsequently, they restricted further telephonic payments, mandating that I wire the outstanding amount from XX/XX/XXXX to regularize my account. In addition, I received a home valuation and formal notices regarding my past dues. 

Throughout this ordeal, XXXX  liaised with Nationstar in pursuit of a fair resolution. It appears that Nationstar would prefer foreclosure over rectifying its administrative flaws.

I settled the outstanding balance as per their records and plan to conduct a thorough audit later. I strongly advocate for an audit of Nationstar, believing that others might be facing similar issues without knowing their recourse. This level of incompetence should not go unchecked.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to rectify this issue directly with, and have received no satisfactory resolution. I kindly request the following actions to be taken, investigate the inaccurate charge-off listing, transactions and experiences on my consumer report, considering the violation of IRS income exclusion regulation. Pursuant 15 USC 1681 furnishers of information must provide accurate and complete information ; Income does not get reported on consumer report according to the IRS, they filed a 1099C, cancellation of debt and income is excluded from the consumer report, so this account is inaccurate.
Product: Bank account or service

On XXXX/XXXX/15 I deposited a {$5000.00} check into my checking account with US Bank on XXXX XXXX, XXXX California. I noticed that US Bank charged me with XXXX overdraft charges on XXXX/XXXX/15. My account balance was close to {$8000.00} on XXXX/XXXX/15. I have had several issues with this bank within the past 6 months and I am constantly fight with them to have them reverse these charges. I talked to the branch manager and he said it was not a bank error. he refunded XXXX overdraft charge and XXXX remains. I spoke with an assistant distric manager and she said that she had to support his decision. I disagree and want resolution to this issue. If I have money in the bank, why am I paying for overdraft fees??? The address is XXXX XXXX XXXX XXXX, XXXX ca. XXXX the contact # is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute request with the credit reporting agency where I advised that a collection account listed as Fair in & out / Invitation Homes showing on my credit report was a result of Identity theft at that time I provided proof of the account, the police report and a letter stating the accounts was a result of ID theft as communicated to the collection company the credit bureau has refused to remove the account from my credit file dispute being notified I provided my ID, police report and proof of address in this letter please assist me in resolving this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with Freedom Debt Relief back in XX/XX/XXXX, was happy Ill be debt free and theyll help me achieve it and I will better my score afterwards, as of XX/XX/XXXX I have paid a total of {$4400.00} and what i was told as well as what I calculated I have about {$1200.00} to pay off the debt. I never looked at the statements or where the money was going and was mislead about their fees, out of the money I have paid them so far, they have only put {$950.00} towards the debt and they have {$2300.00} for themselves. It is all so misleading and confusing. They have taken my hard earned money. I want all of it back. When I first signed up they said that my credit will get better eventually, but the accounts wont fall off till 7 years. They lied to me and havent even paid off 10 % of my debt. I want my money back. I dont want to do business with them anymore
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX trying to open a account On XX/XX/year> XXXX trying to open a account On XX/XX/year> XXXX XXXXXXXX trying to open a account On XX/XX/year> XXXX XXXXXXXX na trying to open a account On XX/XX/year> XXXX XXXXXXXX na trying to open a account On XX/XX/year> XXXX XXXX trying to open a account On XX/XX/year> XXXX XXXX trying to open a account On XX/XX/year>XXXX XXXX XXXX  trying to open ma account On XX/XX/year>XXXX XXXX XXXX trying to open a account
Product: Debt collection

DATE:XX/XX/2010 AMOUNT : {$1400.00} CALLED THE COMPANY AND INFORMED THEM THIS WAS NOT MY ACCOUNT AND THEY DINT HAVE ANY INFORMATION ABOUT ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated In XX/XX/XXXX that due to a system error on their end i had an application denied for a secured credit card. The denial placed a Hard pull or Inquiry on my credit report dated for XX/XX/XXXX. I do have a secured card with Citibank which i applied and was approved on XX/XX/XXXX. I am asking the XX/XX/XXXX Inquiry to be removed due to no fault of my own. Thank you.