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

company reports that I was late on my auto loan payment 16 months in a row. The information they reported is inaccurate and false. I tried disputing with the directly and the credit bureaus such as XXXX XXXX  and Transunion and they have failed to verified such allegations. no one is willing to help me or show proof that I was in fact late. each bureau has different count of days late the same month and year.

XXXX XXXX XXXX XXXX XXXX                Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
as you can see nothing matches and the reporting on them are different on all 3 bureaus some are stating 30 days late but on another the same month and year says 90 days its absurd and need to changed to pay as agreed on all 16 months
Product: Money transfer, virtual currency, or money service

Please XXXX the attached letter for all details. 

In this letter of XXXX XX/XX/XXXX is the total amount stated to XXXX XXXX which have been transferred from XXXX Bank to COINBASE XXXX In XXXX earlier letter of XXXX XX/XX/XXXX ( incl the attached ) is the amount stated to XXXX XXXX which only comprise a single transfer of money from COINBASE to a scam company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 4 times and sent documentation for each dispute. XXXX, equifax and XXXX still has not fixed the issues. I have several accounts paid and it has not been fixed. I have one account that isn't mine and creditor agreed as they can't find this account for me. It is still on my credit report. XXXXXXXX XXXX  paid, XXXX XXXX sold to XXXX paidXXXX XXXX XXXXXXXX also sold to XXXX  paidXXXX XXXX XXXXXXXX XXXX  paid, XXXX XXXX sold to XXXX which was represented by attorneys XXXX and XXXX paid, All XXXX XXXXXXXX paid, XXXX XXXX paid. The XXXX XXXX  XXXX XXXX Not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I have late payments for an account that was closed in XXXX of XXXX, and yet you have been reporting this account late XX/XX/XXXX until XX/XX/XXXX. XXXX XXXX has also sold this debt to a XXXX party collection agency and has tried to collect the debt from me in a settlement via email. This is against the law! 

Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

The following account is CLOSED, not LATE and currently is being handled by a XXXX XXXX collection agency as well and needs to be removed for multiple violations of my consumer rights : XXXX XXXX ACCT NUMBER - XXXX Please investigate and provide proof with statements showing that these payments were in fact late as you are reporting, the account was NOT closed as you are stating and that a 3rd party agency has not been assigned to collect debt from me. 

If you are unable to prove any of this, I demand that this account be removed, I also demand monetary compensation for defamation of character as I have asked you to investigate this account previously with no results. YOU ARE IN VIOLATION of the FCRA 15 USC 1681 ( E ) ( b ), I am entitled to {$1000.00} per violation and will be sure to collect. This complaint has been CCD to the CFPB.
Product: Mortgage

PHH MORTGAGE BILLED US {$11000.00} ON OUR XX/XX/2023 STATEMENT WITH NO EXPLANATION OF WHAT THESE CHARGES WERE FOR
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3500.00} on XXXX XXXX, original creditor XXXX XXXX XXXX XXXX account number XXXX. ( Please see pages attached from my credit report, as well as a copy of the contract from XXXX. ) The interest rate being charged on this loan is over 198.9675 %, and this is PREDATORY LENDING to say the least!!! The Federal Loan cap is a maximum of 28 %! Payments Ive made have not been applied correctly to this account and consequently the balance reporting is wrong. Also, this incorrect reporting of a collection/chargeoff is seriously harming my credit score and this account needs to be removed and/or updated to report accurate information. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the XXXX XXXX XXXX XXXX # XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this kept on reporting inaccurately in my credit report.I can not track any more how many times I have disputed this account. Now, I provided the specific disputes reason for this account. I provided more detail on what your Dispute Department needs to look into. Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations.

Below are the violations reported : 1 ) Delinquent Purge listed at {$730.00} from the company invoice but on the credit report they have an error listed at {$750.00}. This is inaccurate reporting and violates section 623 of the FCRA laws 2 ) Original balance was NOT {$2000.00}. This is reporting inaccurately and misleading. The original balance listed on the company invoice was {$1700.00} sales price with a {$250.00} down payment, making the financed amount {$1600.00}. This again is inaccurate. This type of manipulation puts me in financial harm as it shows that I borrowed more than I actually did. Please see attached invoice copy.

3 ) There are 17 months reported from XX/XX/XXXX to XX/XX/XXXX that do not show any reporting. This manipulated her credit score intentionally as the invoice attached shows updates and changes to the balance. The updates listed on the invoice should be listed on the credit report.

4 ) There are two different statutes of limitations. First, mention account will be removed : XX/XX/XXXX and second, on records until XX/XX/XXXX. 

5 ) The payment history reported is incomplete.

I have previously disputed this account on my credit report and you VERIFIED these to be 100 % accurate on my credit. 1681of the FCRA states if any information after reinvestigation is found inaccurate, the account must be DELETED!
Product: Credit reporting

Equifax continue to violate my rights and the law by constantly verifying the un-authorized inquiries listed on my credit file. 

In my last letter I gave them the new and relevant information ( proof that the creditor did not have authorization ) they needed to conduct their investigation. Yet they still verified these inquires. It 's troubling that Equifax continues to violate the law and hurt consumers on a daily basis. The law is clear, if the creditor does not have permissible purpose to pull a credit report, they ca n't pull. They have failed their responsibilities to me as a consumer and I will explore all legal options that are afforded to me under the law. 

Because of their willful non-compliance, I 'm sorry but you left me with no choice. I will be filing complaints with the following agencies : FTC, XXXX, XXXX in your state, Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX, XXXX, Advocates for Fair Credit Reporting, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

These complaints will be filed because Equifax just simply refused to follow the law of the FCRA. I had no choice as you forced my hand by not deleting the un-authorized inquiries.
Product: Credit reporting or other personal consumer reports

This account has been involved in multiple data breaches.
Product: Credit card or prepaid card

Got a phone call and they offered to lower my interest rate. He asked for my credit card information. They hung up after I gave them a false credit card number. XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I sent a dispute CERTIFIED MAIL. It shows you have received it yet you have not provided me any results nor removed the items requested. Im preparing my legal case and these accounts MUST BE REMOVED due to violating my FCRA and consumer laws of no response and stalling on removals. XXXXXXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. 

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request. 

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. 

I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. 

I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX SSN # XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Last reported XX/XX/XXXX {$9300.00} Open balance 12 XXXX XXXX XXXX Original creditor XXXX  OpenedXX/XX/XXXX ( 6 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XX/XX/XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2300.00} Open balance 12 XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 8 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX XXXX XXXX   XXXX XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open balance 11 XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 4 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name11 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$250.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 5 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes
Product: Credit reporting or other personal consumer reports

Hi I received an email from XXXXXXXX XXXX according to a mysterious report from TRANSUNION CONSUMER RELATIONS WWW.TRANSUNION.COMXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They decided to close my account credit card for bad report that I assure you my credit score is faire I have excellente report concerning payment on time etc The credit union report share a wrong credit score and wrong list of my personal assets they states I owne nothing actually I own 2 vhicules that are paid off all this fake report are affecting and damaging my personal life and aggravated my financial situation Im very stress about I have XXXX and it get worse with this XXXX from these credit report Please help me to solve this situation Thank you Looking forward to hear from you
Product: Debt collection

on XXXX i sent a dispute letter to validate the alleged debt CMRE finance has on my credit report. They didnt respond to my dispute letter, so thats tell me they cant verify it. By law if you cant send me proof of a signed contract, it must be deleted.

As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has elected to completely ignore my request to certify that they have complied with XXXX XXXX - XXXX XXXX. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has a reporting relationship : XXXX Compliance mandates that carbon copies ( Carbon Copies!! ) be sent out. Also, the regulation says that simply sending carbon copies to the other bureaus is not sufficient. They are required to send carbon copies to ALL the places they have reporting relationships with that they have shared that reporting with. This DOES NOT mean just for that one bureau, or for just the main 3 bureaus, but ANY data furnisher they do business with in regard to this client. This fact alone makes it virtually impossible to comply with XXXX reporting standards. Even providing that the XXXX has carbon copies, how would they construct hundreds of them for each individual that disputes or challenges an item on their credit profile? 

Before I pursue a claim in Small Claims Court, I'm giving Experian one last time to certify that removal of the following accounts was shared with XXXX and XXXX : XXXX XXXX XXXX XXXX I specifically asked for this in Complaint # XXXX, filed on XX/XX/2022, and that case was closed without responding to this specific regulatory requirement.
Product: Credit reporting or other personal consumer reports

Back on XXXX XXXX I file a complaint with the CFPBIn response to my complaint, on XX/XX/XXXX, in response to the complaint I received the following response ( XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results is listed below : Company Name XXXX XXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. ) CFPB Complaint is ( Attached ). 
Please delete credit XXXX account as this account has been report inaccuracies XXXX lates after CLOSED account/COLLECTION status for XXXX yrs. starting XX/XX/XXXX, additional, this car loan was a XXXX contract term that expired XX/XX/XXXX ( copy of contract attached ) after which is reporting active XXXX lates even after the term of the contract ( from XX/XX/XXXX to XX/XX/XXXX ). 
On ( XX/XX/XXXX ), CFPB ordered resolution for the account was deletion from my credit file which has yet to happen ( SEE ATTACHMENT )
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous attempts to receive my credit report online at https : XXXX Experian notifies me that my credit report is unavailable and to mail in a request for the report. Both XXXX and XXXX provide their reports but Experian 's is not available. What gives with this denial of report? Isn't this a lawful requirement to provide online? 
Also, this isn't the first time I've filed a complaint with cfpb without receiving a reply! 
I'm guessing others are having the same complaint. 
Are you just another do-nothing government bureaucracy? 
Please respond.
Product: Credit reporting or other personal consumer reports

Experian Report Number # XXXX XX/XX/2023 : XXXX  collection account added in Experian report, XXXX XXXX dipped by XXXX points XX/XX/2023 : Raised dispute to Experian XX/XX/2023 : Got response from Experian without any details XX/XX/2023 : Decline new credit card due to derogatory comments I am writing to dispute against XXXX XXXX impact ( related complains XXXX and XXXX ) due to collection account listed on my credit report under XXXX account # XXXX, reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The original creditor for this account is a medical provider, TXXXX XXXX XXXX XXXX XXXX XXXX, and the account is related to in-home XXXX XXXX rendered. I am disputing this debt for the multiple reasons, against unfair practices, unequal treatment and unclear policies. 
Lack of Communication : I havent received any written communication either from original creditor TBH and collection company XXXX XXXX XXXX XXXX XXXX ) regarding accounts being transferred or sent for collection. Dispute was raised through Experian, have Experian verified if XXXX have followed all the procedure as per Fair Debt Collection Practices Act ( FDCPA ). Can Experian have proof of any mail correspondence from XXXX to me for this account. 
Lack of Validation : I have not received adequate validation of this debt and proof of services as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I havent received any details from Experian against dispute filed against this account, what all aspect Experian have validated before account was added to credit report and during dispute resolution. 
Lack of Customer focus and voice : Being customer to Experian and exceptional credit history then why credit bureaus dont have pro-active policy to re-check facts before adding collection account and credit impact. If a customer has raised a dispute, then why Experian dont have additional safety for customer to first investigate and not to let such account impact XXXX XXXX. 
Clarity on XXXX XXXX : How XXXX XXXX is calculated, what is weightage of third-party medical debt and why a collection account has too much impacted-on XXXX XXXX while XXXX other accounts are 100 % in good standing?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Wells Fargo appears to have been reporting timely payments on my student loan as delinquent. It is unclear when they began doing this. They provided me a series of cryptic letters about a mistake in my account. It took me a significant amount of time and trouble to get WF to admit finally that it had been reporting the loan incorrectly. It also appears that WF assessed late fees. It also appears that WF deleted documentation relating to my credit history.
Product: Credit card or prepaid card

I filed a complaint # : XXXX Bank of America sent me an email following up on this complaint and told me that I had to call them by XX/XX/21. They did not leave a number that works on the voice mail and they did not leave any phone number in the email to contact them. 
There is no department listed at B of A. I can reach to address this issue.
Product: Payday loan, title loan, or personal loan

Did n't work for a week now I ca n't borrow from XXXX XXXX until my bank sends some information to the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

EXPERIAN REFUSE TO PROVIDE ME WITH THE METHOD OF VERIFICATION TO THE REMOVAL OF A BANKRUPTCY ON MY REPORT. I HAVE SPOKEN WITH THE BANKRUPTCY COURT AND XXXX. AND THEY STATED EXPERIAN SHOULD NOT HAVE A BANKRUPTCY ON MY REPORT.