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

equifax has showed an increase in members XXXX XXXX XXXX account even though they can not provide me proof of it being my debt the have added payments to the account as being late when it shows to be charged off in XXXX of 2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX - XXXX XXXX Inquired on XX/XX/2020 ; XXXX, XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 2020
Product: Credit card

Received letter- XXXX allegedly from Wells Fargo Bank denying a credit card that I NEVER APPLIED FOR. ( I have nothing to do with this bank. My city sued them and won. ) Who tried to get this credit card? Am I at risk? 

I called Well Fargo- transferred twice. I called their phone number not the one on the letter. btw the letterhead looked copied not original. Photocopied.

The letter had my name and address. WF wanted a lot of info but I finally refused to give my DOB. 

How do protect myself? 

Thank you for all the great work you are doing.
Product: Mortgage

I became unemployed in XXXX due to covid. My mortgage lender Mr Cooper if XXXX Texas allowed a forbearance of 18 months which ends XX/XX/XXXX. Despite proving I am now employed and can resume my monthly mortgage payments the advised me unless I pay the entire forbearance amount of {$36000.00} I must short sell or do a deed in lieu. They said XXXX XXXX will not allow for a refinancing of my property. This is completely unfair and I am requesting help. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Continued Reporting of Inaccurate Information by Credit Bureaus To Whom It May Concern, I am writing to file a formal complaint against the three major credit bureaus regarding their continued inaccurate reporting of my XXXX XXXX XXXX account, despite multiple disputes and requests for corrections. 

Account Name : XXXX XXXX XXXXXXXX Background : I have repeatedly disputed the inaccuracies in my XXXX XXXX  XXXX account information under the Fair Credit Reporting Act ( FCRA ). Despite my efforts, the credit bureaus have failed to rectify the inaccuracies and continue to report conflicting and incorrect information. The persistent errors have severely impacted my creditworthiness. 

Inaccuracies in Reporting : Incorrect status Incorrect reporting Incorrect balance Violations and Relevant Laws under FCRA and FDCPA : 15 U.S. Code 1681e ( b ) : Accuracy of Report Credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information. The ongoing inaccuracies indicate a clear violation of this requirement.

15 U.S. Code 1681i : Procedure in Case of Disputed Accuracy The credit bureaus are required to investigate disputes promptly. Their failure to correct the inaccuracies after multiple disputes is a direct violation of this statute.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion or Correction If an item is found to be inaccurate or can not be verified, it must be deleted or corrected. The credit bureaus have neither corrected nor deleted the inaccurate information. 
15 U.S.C. 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies Furnishers , such as XXXX XXXX XXXX , must conduct an investigation when they receive a notice of dispute and must notify all credit reporting agencies to which they provided the information if inaccuracies are found. 
15 U.S.C. 1681s-2 ( b ) ( 1 ) : Responsibilities of Furnishers XXXX XXXX XXXXXXXX , as the furnisher, is required to investigate disputes and correct any inaccuracies. Their failure to do so has resulted in continued reporting of incorrect information.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusions The term " consumer report '' does not include certain types of information, such as transactions or experiences between the consumer and the person making the report. The continued inaccuracies in reporting my account status and balance violate this provision. 
Specific Violations and Harms : The credit bureaus failure to ensure accurate reporting and to correct inaccuracies upon dispute has harmed my creditworthiness. 
XXXX XXXX XXXXXXXX inaccurate balance reporting, potentially related to a charged-off debt and possible issuance of a Form 1099-C, constitutes a violation of accurate reporting requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$160000.00}.
Product: Credit reporting or other personal consumer reports

I am not denying my account or stating this account isn't mine. I am not asking for verification as defined pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( A ) information in the consumers application for the credit or other information bearing on the credit worthiness of the consumer ; or pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( B ) of the information in the consumers application for the credit to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. I am demanding you to remove my account information as you have no permissible purpose to furnish a consumer report in regards to i the consume
Product: Credit reporting, credit repair services, or other personal consumer reports

You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE READ THE LETTER ATTACHED WITH THIS COMPLAINT. Notification is complete upon receipt. My proper identification is included. I have been seriously violated by TRANSUNION & US DEPT ED. I DEMAND A RESPONSE TO MY COMPLAINT VIA THIS PORTAL & VIA MAIL AT THE ADDRESS PROVIDED IN MY LETTER IN 15 DAYS. TRANSUNION & US DEPT ED HAS BENN GETTING AWAY WITH VIOLATING FEDERAL LAW AND DAMAGING MY REPUTATION FOR OVER A DECADE! TRANSUNION HAS BEEN UNLAWFULLY FURNISHING INFORMATION ABOUT ME, INVADING MY PRIVACY, AND REPORTING INFORMATION ABOUT ME THAT THEY HAVE NO PROOF THAT IT IS 100 PERCENT ACCURATE NOR WITNESSED ANY INFORMATION AND TRANSACTIONS THEY REPORT ABOUT ME FIRSTHAND. US DEPT ED IS FURNSIHING FALSE, DECEPTIVE AND MISLEADING INFORMATION ABOUT ME TO TRANSUNION AND TRANSUNION IS FURNSHING FALSE, DECEPTIVE AND MISLEADING INFORMATION ABOUT ME TO NONAFFILIATED THIRD PARTIES.
Product: Credit reporting or other personal consumer reports

Asked equfax and experion to have certain reports on my credit removed multiple times due to inaccurate info and not having any knowledge of the debt owed And they have no right to put info on my credit report and don't feel that they did a proper investigation into it.
Product: Money transfer, virtual currency, or money service

i have had a paypal account for years and never had issue with accessing my account. now paypal is demanding a cell phone and number or i can not access my account online. the issue is i do not have one to give them and i do not see the need to buy a phone and service to access the account which is rarely done. most companies use an email or a phone call to verify it is me. i have a landline which is on the account and i have an email which is on the account but they refuse to use them so i am locked out. 
i am XXXX years old and have issue with touch screens as i have low capacitance in my body so the screens do not work well. i use a computer and keyboard.

the so called cell phone is also a security breach so it really is not any better as sims can be copied and hacked.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Reporting 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 account XXXX with XXXX XXXX. 
Despite multiple requests for correction through letters dated XX/XX/year>XXXX  and XX/XX/year>, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. In my case, this requirement has not been upheld, as the inaccurate late payment reporting has persisted across multiple disputes. 
Additionally, under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement, contributing to the errors on my credit report. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness and violated these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Furthermore, under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are responsible for providing timely statements to prevent unfair penalties to consumers. The errors in late payment reporting on my account indicate that this obligation has not been met, resulting in undue damage to my credit score. 
Pattern of Non-Compliance The persistent late payment errors across XXXX, Experian, and XXXX demonstrate a pattern of inaccurate reporting, causing undue harm to my credit score despite my previous disputes. 
I formally request that the incorrect late payment notations be removed from my credit report immediately, and that the account status be corrected across all three credit bureaus. Failure to address these inaccuracies will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

Did not apply payments and overpay amount in excess {$65000.00} Pay more than had to Hurt credit from XXXX to XXXX Mis reported to credit reporting agencies Imposed repayment burden Reflected bad information Processed paymentincorrectly and failed to act on various complaints They were put on notice to disputed amount base on qualifying academic achievements and 100 % relief scholarship eeligibility
Product: Credit card

I tried to cancel my Barclays Master Card and close my account. I contacted them on their website chat. They refused to cancel it and said I need to call. I called the number over a month ago. The rep tried to prevent me from canceling the card and close the account but I persisted in demanding the account be closed. As of today the account is still open and I received an email statement showing XXXX balance.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 we presented a check for payment of {$5700.00} at XXXX for carpet and future installation. Certegy Payment Solutions, LC advised XXXX to deny the check. Their reason was a " XXXX XXXX '' - No prior unpaid check information ( for my accounts ) but Certegy had insufficient information on me to approve the transaction. I told the XXXX manager that that was immaterial because the check would clear long before the goods would be ordered or installed. I was compelled to return to my home in another city to get cash and return to the store before close ( or forfeit a {$500.00} rebate promotion that ended that day ). Certegy provided contact information on the cash register printout that denied my check. To contact them online or by phone, they asked me to have certain personal information available including my Social Security Number. They provided an address for mail contact which I chose. My letter was returned on XX/XX/2023 marked : Return to Sender, Attempted- Not Known, Unable to Forward. I checked the address against the information they provided to verify that it was correct. I have also contacted XXXX XXXX XXXX contact portal and a representative promised to forward the details of my complaint to the appropriate parties. I have retained copies of all the comunications.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I wrote a letter to XXXX XXXX XXXX XXXX  to have late payments removed from my credit report with the credit bureau and asked for a written response but never received one. Since then the late payments are still on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this debt numerous times through XXXX, by phone and online. 
I have talked to representatives of Online information Services by phone numerous times. 
I have talked by phone to XXXX XXXX by phone. 
I filed a complaint against XXXX with CFPB that hasn't been resolved. 
This concerns a debt that is not mine. It is from another XXXX XXXX who lived in the XXXX Ohio area, and the last XXXX digits of his social security number is different than mine. 
XXXX XXXX told me they can not help because it has been sent to collections. I asked them to at least acknowledge that my social security number and the debtors were not the same. They refused. 
I talked to Online Information Services and using my social security number, I was told I was not in their system, and this was all XXXX 's error. 
Every time I filed a dispute with XXXX stating this debt was not mine, Online services says the information is correct and debt stands. This was after I talked to a supervisor at XXXX XXXX and she acknowledged this was a mistake, and I am not the debtor. 
On Monday XX/XX/year> I received a letter from online services claiming XXXX XXXX has confirmed the address is mine, and enclosed a copy of the letter that shows an address in XXXX Ohio that I have never lived in. I have lived at my address for XXXX  years. Online got my address to send me the mail from when I called them previously to explain the situation. After I received the letter, I called Online. The lady I spoke with said they would change my address and would not receive any more mail from them. I thought that would clear up my latest dispute with XXXX, it did not. They let the collection stand. 
I then called XXXX and talked with a lady named XXXX. She listened to my dispute and was helpful. She read back to me the wording of the dispute, and I was confident that would solve the problem. 
XXXX again refused to restore my credit rating, a simple check would show that I have lived in my home for XXXX  years, have never lived in XXXX Ohio, and never been a customer of XXXX XXXX. 
I have excellent credit XXXX, and because of XXXX XXXX and XXXX XXXX XXXX rating has dropped to XXXX on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, this creditor ( XXXX XXXX Acct # XXXX ) has violated my rights under 15 USC 1681 Section 602. I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XX/XX/XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX  today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit.
Product: Credit reporting or other personal consumer reports

The JPMCB card is disputed. 

I reported this JPMCB card account as not mine and it was opened through identity theft and sent a letter to Chase and Chase wrote me back with two letters stating I am NOT responsible for it but they never removed it from my credit reports. 

I reported this account as fraudulent with XXXX, XXXX, XXXX and XXXX XXXX more than 5 times each since XX/XX/2024 and only XXXX XXXX removed it from my credit report, but the others credit reporting companies have willfully, maliciously and negligently failed to remove it.
Product: Debt collection

I received a phone call from XXXX at XXXX MST. XXXX XXXX asked to speak with XXXX XXXX. I said " This is XXXX, What can I do for you '' XXXX then attempted to verify my address prior to providing me with my mini miranda rights. I ask her what company she was with and she informed me that she represented GC Services. I informed her that I do not work with her company and what the call was about. She informed me that it was a personal business matter. I asked is this in regards to a debt and she said yes. I informed her that she is required to provide me with the required mini miranda prior to asking me to provide information. She failed to ever say the mini miranda period.