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

I am writing to formally dispute inaccurate late payment entries on my credit report regarding my account with XXXX  XXXX ( Account # XXXX ). These late payments appear to be reported in error, as the account is marked as XXXX across all bureaus and there is no valid evidence to support these entries. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Details : Account Name : XXXX  XXXX # XXXX Late Payments : The account is marked as Current across all three credit bureaus, yet late payments are reported inconsistently : XXXX : Reports 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
XXXX : XXXX 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
Equifax : XXXX 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), and 120 days late ( XX/XX/XXXX ). 
This is a major discrepancy because : The Payment Status is listed as Current. 
The Past Due amount is {$0.00} across all bureaus, meaning no payments were late or owed. 
2. High Credit Discrepancy : XXXX and XXXX : List the High Credit as {$510.00}. 
Equifax : Lists the High Credit as {$0.00}, which is incorrect and inconsistent with other bureaus. 
3. Future Reporting Dates : XXXX and XXXX : " Last Reported '' date is XX/XX/XXXX. 
Equifax : " Last Reported '' date is XX/XX/XXXX. 
Reporting dates in the future violate FCRA Section 607 ( b ), which requires timely and accurate reporting. 
XXXX. Date Last Active : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 
These discrepancies suggest inaccuracies in the account activity information. 
XXXX. Payment History Contradictions : The Payment History shows late payments for specific months ( XXXX, XXXX, and XX/XX/XXXX ), even though the account status is listed as Current with no past due amounts. 




Violation of Consumer Protection Laws : Violations of 15 U.S.C. 1681 ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of consumer information. Reporting late payments on a current account violates this standard. 
2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I have the right to dispute any inaccurate information on my credit report. The bureau must conduct a reasonable reinvestigation to verify its accuracy.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified as accurate, it must be promptly deleted or corrected.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnishers, such as creditors, are prohibited from knowingly reporting inaccurate information.

5. 15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute, the furnisher must investigate, review relevant information, and report its findings to the credit bureaus.
Product: Credit reporting

That Experian needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX
Product: Debt collection

I sent a letter to Medical Data Systems requesting debt validation and they sent me a notice from the original creditor that clearly reflects it is not a bill. I have disputed with the credit bureau and receive the blanket response that the item is valid and remains on my credit report. The notice from Medical Data Systems reflects as follows : This is not a bill. This is an itemization of your services for : it reflects hospital charges and insurance adjustments that do NOT equate to the dollar amount Medical Data Systems is trying to collect an amount that is clearly not owed.
Product: Credit reporting or other personal consumer reports

On or about XXXX of 2023 I noticed accounts showing up in my credit report. I did an investigation, and found that my identity was stolen and used fraudulently to open various accounts in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have my police report and copies of my identity proving who I am and were I reside. I'm trying to buy my first home and it has been a up hill battle. 
Thank you for your time Sir/Madam
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The Stark Collection Agency Account 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 an account without my written instructions. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX Compliance. 

I have disputed this several times in attempt to correct the inaccurate information that is being report, however The Stark Collection Agency has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Product: Student loan

Issue : Payment Status Details : Claim filed with government for insured portion of balance on loan on XX/XX/XXXX The date is incorrect. It should be : XX/XX/XXXX not XX/XX/XXXX 

Details : All NELNET accounts contain some kind of errors above are XXXX simple ones. ( see attached document ) After multiple disputes with all XXXX credit report agencies, NELNET keeps updating my credit report with a new current date as the date a " claim filed with government for insured portion of balance on loan '' which is not true. I had {$0.00} XXXX XXXX XXXX balance on these accounts since XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Credit Reporting Agency Involved : Equifax Account in Question : XXXX Account # XXXX Complaint Details : This complaint addresses Equifaxs violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit report. 
On XX/XX/year>, I discovered that the XXXX account number XXXX, which had been previously removed from my credit report, was reinserted without proper notice or certification of accuracy. This action violates the FCRA requirements for reinsertions as outlined below : Failure to Obtain Certification of Accuracy : The FCRA mandates that any information previously deleted from a consumers file may not be reinserted unless the furnisher certifies that the information is complete and accurate. Equifax has failed to provide evidence that it obtained certification of accuracy from XXXX before reinserting this account. 


Failure to Notify the Consumer : The FCRA requires that if any information previously deleted from a consumer 's file is reinserted, the consumer reporting agency must notify the consumer in writing within five ( 5 ) business days of the reinsertion. I did not receive any written notification from Equifax regarding the reinsertion of this account into my credit report. 


Failure to Provide Additional Information : The FCRA also mandates that the consumer reporting agency provide the following information within five ( 5 ) business days of reinsertion : A statement that the disputed information has been reinserted. 
The business name and address of any furnisher of information contacted. 
A notice that the consumer has the right to add a statement disputing the accuracy or completeness of the reinserted information. 
Equifax failed to provide any of this required information. 



Request for Resolution : Immediate removal of the XXXX account number XXXX from my credit report as its reinsertion violates FCRA Section 611 ( B ). 
Confirmation from Equifax that this account has been permanently deleted and will not be reinserted in the future without following the FCRA 's requirements. 
An investigation into Equifax 's failure to adhere to the FCRA guidelines for reinsertion and assurance that similar violations will not occur in the future. 

Escalation of Complaint : Equifaxs failure to comply with FCRA Section 611 ( B ) has caused significant harm to my credit profile and has violated my rights as a consumer. If this issue is not resolved promptly, I may pursue further actions, including legal recourse and additional complaints to other regulatory bodies. 
I request that the CFPB intervene to ensure that Equifax adheres to the FCRA and resolves this matter in a timely and compliant manner. 
Thank you for your assistance in addressing this serious issues
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had at least seven late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX CT XXXX XXXX ACCT # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit card or prepaid card

I was shopping at a XXXX  XXXX  store in XXXX, CA on XX/XX/XXXX evening. Then I remembered I should update my address on my XXXX  XXXX  credit card. So, I went to the front desk and asked for address to be changed. Store personnel asked for SSN to look me up. Then she applied for a new card without my knowing while lying to me that if I update my address I will receive a new spare card as well. That sounded odd and then she continued to print me a card receipt all of a sudden. I should have caught on to her act when the screen asked for my income, but she kept saying I had to update all my information. It appeared she thought I wouldn't understand the situation as she most likely assumed English was not my first language. Now I have 2 XXXX  XXXX  cards in my hand and this is all just upsetting how blantantly unethical clerk was as well as a store manager who didn't seem to believe me.
Product: Credit reporting or other personal consumer reports

I wish to dispute the presence of unauthorized accounts on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that these accounts are the results of identity theft. I initiated to contact with the company associated with these accounts, and they assured me that it would be removed from their records. I am aware that other credit bureaus have already removed these fraudulent accounts from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. Despite my proactive measures to address this issue, the accounts continue to be reported on my credit report by your bureau. In support of my claim, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) and have provided the bank with documentation demonstrating the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My problem is with CitiXXXX card. Their site has been down for a number of weeks which means I can not retrieve my monthly statements, my quarterly statements, or my annual statement. I spoke with them and they have no idea when it will be back up. I requested a paper copy of my annual statement for XXXX. It has now been two weeks and I have not received it. I need this information to file my taxes. No one there seems to be the least bit concerned about customers not being able to access their information. Arent they required to have this information available to customers?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows 7 late payments but the information is not consistent across all XXXX, XXXX and XXXX which is causing me to not get approved for a home loan. Fedloan told me that there is nothing they can do and I am just screwed and I have disputed multiple times including with the credit agencies. Please help me get all these late payments removed as they are not correct. All my forbearances were to be back dated and were not done. I disputed it and they told me per the FCRA they have to repot accurate information and clearly they do not bc I provided proof! I have also attached the incorrect reporting proof that isnt consistent!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was completely dismayed when I saw all these tradelines on my credit report.. I disputed the accounts asking Experian what is going on why the accounts are verified when in fact, they are not accurate.. That tells me that they did not take appropriate measures to investigate each one of them.. CFPB please handle this issue and remove the accounts asap XXXX XXXX ( multiple entries ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( duplicate reporting ),   XXXX XXXX ( duplicate reporting ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  TX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  I looked at my report. I sent a letter to Equifax on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX Dept of Education Account number XXXX XXXX  This account is reporting 120 days late payment. But it showing that I made payment two months in a row. So I didn't receive a 30 days late payment, 60 days or a 90 days late payment that is inaccurate reporting on my credit report. 

XXXX XXXX XXXX Account number XXXX XXXXXXXX This account is reporting a 60 day late payment but is showing that I paid the month prior. Which means it not showing a 30 day late payment prior to the 60 day late payment and that is inaccurate reporting on my credit report. 

XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report.

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 and according to 15 USC 1681s-2 this is supposed to happen ( b ) Accuracy of report 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. 

Equifax really did not reinvestigate they lied on an official document saying they did something they did not do. I have attached the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} ; CXXXX  XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX  XXXX XXXX  DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX  Date XXXX Reference # : 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

This is my fourth 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 an alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00}
Product: Checking or savings account

I opened a checking account on XXXX XXXX,2024 in response to a XXXX ad offering a {$250.00} bonus for changing my SSA retirement direct deposit to Capital One. 
I requested that SSA change my direct deposit from XXXX XXXX to Capital One and the first direct deposit was made XXXX XXXX2024 and the second on XXXX XXXX2024. 
I did not receive the {$250.00} bonus as promised and I called on XX/XX//24 and spoke with their representative XXXX and a manager XXXX. I was told the second direct deposit was made 11 days after the 75th day after opening allowed for XXXX deposits. I did not feel I should be penalized for the delay from the SSA and a case was opened Case # XXXX. I called again on XXXX/XXXX/24 and was told I would not receive the bonus because my direct deposit wasn't received in time. At my request a new case was opened Case # XXXX. 
I think their ad was misleading and meant to entice XXXX seniors such as myself to move direct deposits to their bank knowing that it can take longer for the SSA to process changes to a direct deposit.
Product: Mortgage

On XXXX XXXX, XXXX, I filed a complaint to CFPB, which Wells Fargo has still not resolved, and now this case is under investigation by a XXXX investigator. I am continuing this complaint because Wells Fargo ( through their foreclosure division, XXXX XXXX XXXX XXXX XXXX ) SOLD MY HOUSE XXXX XXXX, XXXX even though Wells Fargo never proved they or XXXX XXXX had the legal right to arrange a sale. I only received a letter saying they consider the case closed and they are not obligated to provide any more information to CFPB or to me. But this is nonsense. Wells Fargo NEVER complied with the first and most important element of my Qualified Written Request : 1. A full, double sided, certified " true and accurate '' copy of my original promissory note and security instrument and all assignments of the security instrument. THIS MUST INCLUDE ALL ADDED PAGES AND ASSIGNMENTS from XXXX, XXXX through Trustee 's Deed Upon Sale around XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for credit with XXXX XXXX bank / XXXX on XX/XX/23. I created a dispute with the credit reporting company Equifax on the same day. They send me a report stating the dispute was complete and the hard inquiry would stay since it was done even after I told them it was fraud and I had not pulled any credit. The reason this is so important to me and that it gets removed is because I am currently under XXXX XXXX XXXX  and should not pull credit or they courts may dismiss my filing before I complete it. Now Equifax is telling me I need to provide them a report and copies of my drivers license and copy of my ss card so they can review further. I don't understand why I have to do this if I already told them since I am under bankruptcy I shouldn't apply for any credit. Please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurately on my credit report and not following the Federal Trade Commission 's rules. Looking to purchase my first home, I opened a secured credit card with XXXX XXXX in XX/XX/2021 in hopes of increasing my credit score-but the opposite has happened with me being swindled by XXXX XXXX. I deposited {$1000.00} by bank transfer which was my credit limit. I made all payments on time and even paid the balance off, never missing a payment. Kept my utilization low, under 25 % for six months. Around XX/XX/2021, there was a purchase in the amount of {$580.00} that I did not authorize. I then immediately filed a dispute with XXXX XXXX. The dispute was supposed to end XX/XX/2021. XXXX XXXX kept my refund from my deposited monies as a permanent credit ( that no attorneys or creditors have ever heard of ), that cant be used due to the account being closed. XXXX XXXX has reported inaccurately on my credit report, such as a high credit balance and closed the account while there was an investigation going on. 
XXXX XXXX is reporting a high balance, paid satisfactorily. Which Capital One has admitted I have money that they are " holding '', over half of the deposit I sent and are keeping it ( for now, due to my attorney and I demanding my monies/ and / or going to court ). The balance can not be high if there is a credit! That is factual that {$580.00} of {$1000.00} is not spent! 
I have never written into the CFPB about this matter, only about XXXX XXXX keeping my money. I just want to make sure this is all documented.