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

This is to inform the CFPB, with the respect that the agency, deserve that I am fully aware of the procedures on how the CFPB, helps us as consumers, I am a consumer practicing my legal rights, notice to agent is notice to principal, notice to principle is notice to agent, my understandings are the following, how does CFPB enforce to help consumers when they enforce the law, we or a court may order the defendant to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm by providing consumer redress. Obtaining consumer redress is a top priority in any enforcement action or public enforcement actions. When warranted by the investigation, Enforcement may seek authority from the Director to take a public enforcement action. Alternatively, Enforcement may close the investigation without taking public action or refer the matter to the Office of Supervision Examinations to resolve the matter through our supervisory process. If the Director authorizes a public enforcement action, we may bring the action in state or federal court or institute an administrative adjudication proceeding. Administrative adjudication proceedings are formal adversarial proceedings conducted by an administrative law judge, who issues a recommended decision to the Bureaus Director. The Director issues a final decision, either adopting or modifying the administrative law judges recommended decision. When we enforce the law, we or a court may order the defendant to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm by providing consumer redress. Obtaining consumer redress is a top priority in any Enforcement action. In addition, we also have obtained a wide range of injunctive relief designed to stop unlawful conduct and prevent future violations. In some instances, relief has included banning individuals and companies from future participation in the marketplace. And just to let the CFPB know with all the respect the agency deserves which I has no intention to promote any unlawful, false, or fraudulent purpose, to promote or conduct an illegitimate object or purpose, or is being requested or submitted in bad faith or for the purpose of harassing or defrauding a person, those companies that I have mentioned on the PDF file linked to this report has violated several times and disregard the noticed send by certified mail. on all companies mentioned on this attachment please address and enforce those violations since I have been disputing those accounts for the past month and for the past three years. And with respect I am aware of 12 section 411 which I have a dress to all the companies mention on the PDF file which they have disregarded. 
thank you.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint CB/XXXX  about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit card

I hope this message finds you well. I am writing to you regarding a situation I encountered in the year 2023 that has resulted in missed payments on my account. 

Unfortunately, during that time, I experienced a significant setback as I lost my job and also faced damage to my phone screen. As a result, I was unable to make payments on my account promptly. 

I understand the importance of meeting financial obligations and sincerely apologize for any inconvenience caused by the missed payments. I am reaching out to request assistance in resolving this matter. 

I am committed to fulfilling my responsibilities and would appreciate any support or guidance you can provide to help me rectify the situation. 

Thank you for your understanding and consideration. I look forward to your response and am hopeful for a positive resolution. 

Sincerely, [ Your Name ] -- - For the Cadence Bank credit card payment, a similar message can be crafted with the appropriate details adjusted : -- - Subject : Assistance Request for Missed Payments Due to Unemployment and Financial Hardship Dear [ Cadence Bank ], I hope this message finds you well. I am writing to you regarding a situation I encountered in the year 2023 that has resulted in missed payments on my credit card account. 

Regrettably, during that time, I faced unexpected unemployment and financial hardship, which made it challenging for me to meet my financial obligations, including my credit card payments. 

I understand the importance of maintaining good financial standing and sincerely apologize for any inconvenience caused by the missed payments. I am reaching out to request assistance in resolving this matter and finding a suitable solution. 

I am committed to overcoming this setback and would greatly appreciate any support or guidance you can offer to help me address the missed payments and work towards
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Checking or savings account

I called in about my account because I made two transfers on XX/XX/23 using XXXX, which show received but have not been made a viable, to my Truist account and the representative refused to speak with me claiming I did not have the ownership type needed. I am a joint owner and my name is on the account.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For a period of over 2 years, XXXX XXXX XXXX XXXX inaccurately reported a revolving credit account as open and current, during a time when it was closed and in collections. As a result, the date of first delinquency for this account was not properly established and the removal of this derogatory credit history from my report has been substantially delayed. Additionally, XXXX XXXX XXXX XXXX has reported recent payment history for an Auto Loan that was closed and paid in full on XX/XX/XXXX. This recent payment history shows a 60 days past due payment on XX/XX/XXXX and two 30 days past due payments in XXXX and XX/XX/XXXX. On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a dispute letter with all identifying documents requested and additional support documents to verify my dispute. The dispute was closed with no changes made on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ Creditor 's equifax ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

LATE PAYMENT : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I reviewed the results that you have sent back to us after your investigations, I appreciated you for removing some of the inaccurately reported accounts, But it seems the investigation is not fully done, I still profoundly dispute the following remaining Accounts. These items are still reporting illegally which leads to great damage to myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Moneylion is taking money out my account monthly however they have reported this to all 3 credit bureaus as a charge off account. The account is still active and they took a payment from me a week ago. When I call the rep 's tell me my account is active but in an " internal collections ''. How is my account charged off and they are still taking payment out my account? If it were in collections a collection 's agency would be in contact with me and that hasn't happened. I feel like they are stealing from me. The account is active and open. Not reporting as a collection 's but as a charge off. Which is incorrect because I'm still making payments and they are still accepting them.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name : XXXX XXXXXXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. 

Additionally, please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

Receivable Recovery Services , LLC. has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Receivable Recovery Services , LLC. The only correspondence that I received was a billing statement, in which the amount is different than what is located on my XXXX, XXXX, & XXXX credit report. This item does not qualify as verification per FCRA. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Receivable Recovery Services , LLC. is practicing UNJUST ENRICHMENT.
Product: Credit card

Capital One waived an annual fee of {$39.00} because they have not issued a credit card on my account. They then added a late fee on the waived fee. 

Additionally, they are refusing to issue me a credit card for my account.
Product: Debt collection

The errors on my report after I received validation Letter from them, On XXXX XXXX contract, my Last name is spelled wrong " XXXX ''. 
Also on XXXX contract, my email is spelled wrong so I never received any notifications XXXXXXXXXXXX On XXXXXXXX XXXX  Contract, there are two different open dates which is circled on paperwork, and also someone changed XX/XX/XXXXto XXXX so someone tampered paperwork to extend debt. The Original date opened is XX/XX/XXXX.On my credit its reporting XX/XX/XXXX. 
Also there 's no social security number identifying that this debt even belong to me. 
Neither contract wasnt supported with how much the debt collector payed for the debts nor contracts with Original creditors stating that they have the right to own and collect on the debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/XXXX I sent a letter for inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item within 30 days gives reason to immediately update this item from my credit report. It has been over 30 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that XXXX credit bureau report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be fixed immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

CITIZENS BANK XXX Date Opened XXXX XXXX, XXXX Balance : {$280000.00}
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 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt with a collection agency representing XXXX on XX/XX/2021. Attached is the entry from my credit card provider for the settled amount. 

I have made XXXX requests with TransUnion to correct my credit report ( also attached ) and both times they have settled the dispute stating the item is accurate. 

I just want my credit report to report correctly and it's apparent that TransUnion has yet to take my dispute seriously.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Re : Dispute of Inaccurate Information [ XXXX XXXX XXXX Account # XXXX and XXXX  Account # XXXX ] Dear Sir or Madam, I am writing to formally dispute inaccurate information reported on my credit file. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), I request that you investigate the following accounts and either verify all information for accuracy or remove the erroneous details from my credit report entirely. 
The accounts in question are as follows : XXXX XXXX Services Account Number : XXXX XXXX  ( XXXX XXXX ) Account Number : XXXX I believe that the information currently reported is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that any information reported on my credit report is accurate and complete. As the information on these accounts is inaccurate, I request that you take the necessary steps to update it to reflect accurate data or, if verification can not be completed, remove the accounts from my credit report. 
Should you fail to fulfill this request within the legally mandated 30-45 days, I will pursue legal action to collect damages of {$1000.00} per inaccurate item as outlined by the FCRA. 
Please send me written confirmation once this issue has been resolved, and please provide me with the results of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your resolution within the next 30-45 days. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I contacted XXXX at XXXX. The Internal Recovery Department offered full settlement on both accounts for a total of {$1800.00}. I paid the account in full over the phone by checking debit ACH which succeeded. <P/>{$850.00} 60 % XXXX {$1000.00} 60 % XXXX ___________ {$1800.00} PAID X/XX/17 XXXX updated the accounts at Experian, XXXX, and XXXX by showing I made a payments for {$850.00} and {$1000.00} but did NOT show the account as paid in full. I have exhausted the dispute process with all 3 bureaus and XXXX has 'verified ' the accounts as accurate which is incorrect. <P/>I am hoping the CFPB can assist me in correcting the inaccurate and false reporting which violates the FCRA and hurts my score. I settled these accounts with the bank and it is only fair they are accurately reported to the three bureaus. <P/>I have attached a copy of my credit report for the three bureaus as well as the particular accounts for Experian as samples.
Product: Debt collection

I asked the company for a validation of debt that i never received. This debt is not mines, I never did any business with the original creditor, I never lived there, I never signed a lease with this company I'm a victim of identity thef with this account this account is not mine.
Product: Credit reporting or other personal consumer reports

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal account information from my credit report. However, after various formal certified FCRA mail disputes they continue to ignore my request. This information does not belong to me and they have failed to show me how they officially validated this false account. 

US DEPT OF EDUCATION ; Amount : {$9800.00}. Date opened : XX/XX/XXXX. 
XXXX XX/XX/XXXX ; Amount : {$1900.00} Date opened : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

ID Analytics XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ATTENTION : COMPLIANCE DEPT. 
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 
My SSN # XXXX. Date of Birth is XXXX 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Debt collection

in accordance with the Fair Credit Reporting act Experian refused to remove XXXX as has violated my rights. Account opened XXXXXXXX XXXX XXXX  for {$580.00}. 15 U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting or other personal consumer reports

In my previous complaint I mentioned a violation that XXXXXXXX XXXX has committed and the statement I received from XXXX XXXX is verified. What is verified? Reporting missed payments, balances and due dates falls into experiences and transactions! Once again as 15 U.S code 1681a ( 2 ) Exclusions. States Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I XXXX XXXX is the consumer and XXXX XXXX  is the person making the report. XXXX XXXX  still is reporting these transactions and experiences.