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

I recently have sent letters over 60 Days ago to this Bureau and they are disregarding a regular consumer disputes. Im stressed and have been sending letters before this and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure you will be unable to help me as the credit reporting agencies are privately controlled entities that can do whatever they want. I just want to tell you my story. I worked all year long to build up my credit after a divorce. I just got it up to XXXX. I was able to refinance a 12.6 % car loan and lower it to an amazing 1.74 %. I was so proud of myself. Well, today the new account reported and it tanked my credit by 87 points! In what world, does improving your finances by lowering your interest rate cause such a drastic change. How is what I did bad? The credit scoring system is flawed. It needs to be completely dismantled and re-evaluated. 87 points for switching to a lower interest rate is patently absurd. These companies have so much power over the financial health of Americans. I am at their mercy for housing, credit cards, loans ... ..They need formulas that are completely transparent and make sense. This does not make sense. I called Transunion to complain and they said that is just their scoring model. That opening a new account can lower your credit. They actually refused to tell me how much it had dropped. I knew because I have credit karma and Transunion online and received emails. My score, my financial health, my life and yet they refuse to tell me ... .. How is it legal for the consumer not to know how much their credit score dropped? 

I have spent the better part of the year buidling up my credit and educating myself about the intricacies of this credit scoring game. The credit reporting system is broken. It does not make sense. It is a bunch of convoluted scores, which you have some idea on but not the amount something will add/drop your score. And a lot makes zero sense. 

Thank you for listening to my story. I did nothing wrong and my purchasing power has just been seriously diminished by a formula created by a powerful entity under no obligation to inform me of what happened. I can do nothing to change it but am simply at their mercy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in 2023, XXXX XXXX XXXX less than {$500.00} will no longer be reported on consumer credit reports, per the CFPB. Why are these still showing on my credit report in 2023? All three credit bureaus are still reporting old, small medical collection accounts and this is hurting my ability to gain employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous inquiries from capital one. I have never applied for capital one. They refuse to remove the inquiries and its affecting my credit score. Those inquiries are the result of identity theft and fraud. The only person I know that could have done this is XXXX XXXX my sister and her ex boyfriend XXXX.
Product: Debt collection

COLLECTOR KEPT CALLING MY CELL, MY MOTHER CELL AND MY FATHERS CELL AND MY WORK NUMBER AFTER I SENT THEM A CEASE COMMUNICATION LETTER. 17 CALLS TOTAL.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and noticed multiple billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Product: Debt collection

I received a letter from DCM attempting to collect debt from my relatives after my death. I am not dead.
Product: Credit reporting or other personal consumer reports

I have no knowledge of the account reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX 40 different times concerning accounts on my credit profiles that were opened fraudulently thru and by Identity Theft. XXXX XXXX, a supervisor at XXXX has been very threatening and loose with his words as a so called Professional. I advised him that I have sent several copies of an FTC Report which is of course a Federal Trade Commission Identity theft report as well as several police reports attached thru the regular mail and thru the upload tool online. XXXX XXXX told me that the FTC Report I sent meant nothing at all. He said it was totally worthless and that he would make sure none of the accounts would be removed or blocked due to Identity theft. I was not only shocked but floored by his excuse for not taking any action concerning this identity theft situation. XXXX and Equifax received my documents and had no problem removing the accounts in question. Also XXXX XXXX knows about the other two credit bureaus removing or blocking the accounts in question. He stated that the other two companies dont really count at all. Yet another loose comment made to me. Help please.
Product: Mortgage

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2024 Despite Valon Mortgage stating that their internal investigation revealed " the payoff statements prepared by Valon Mortgage did include erroneous reconveyance and recording fees '' that were " removed '' and " updated, '' that a revised payoff statement was sent to me, and that Valon is `` working to update our systems to reflect the accurate fees, '' the payoff statement sent to me after this complaint was closed reflected the erroneous fees added back to the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer this is not a XXXX party speaking on my behalf. I have submitted numerous letters to each credit reporting agency to have items that i the consumer, did not give consent to be on my consumer report removed. The companies continue to verify the information without submitting the method of verification and providing documentation of the investigative consumer report. There are also accounts listed on my consumer report that are not mine and are fraudulent. Pursuant to 15 USC 1681a ( 4 ) this is a violation of my privacy because these agencies are furnishing private information without my express written consent, these actions also constitute identity theft by each credit reporting agency.

While the agencies continue to report these accounts as verified this is also a violation of federal law and fraudulent activity on the part of each of the credit reporting agencies. Pursuant to 15 U.S.Code 1681a ( 2 ) ( A ) ( i ), information reported can not be only transactions between myself the consumer and the companies listed on my consumer report. Furthermore, I, the consumer was never given a chance to direct whether I wanted certain information furnished pursuant to 15 U.S.Code 1681a ( 2 ) ( A ) ( iii ), neither of these agencies offered me a chance to opt out of the reported information.

I, the consumer am also aware that using the identifying information of another person without authorization constitutes identity theft in accordance with Regulation V 12 CFR 1022.3.

Pursuant to 15 U.S.Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer. I, the consumer, never gave express written consent or authorization for any negative information to be furnished. These reporting agencies have committed fraud by using my identifying information without any lawful authority to furnish the information, by definition these credit reporting agencies have committed identity theft.

Pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with all furnished account information is not relating to any transaction by myself, the credit reporting agency is required to place a block on my consumer report on the information associated with the accounts listed within 4 days of receipt of the identity theft report. 

On XX/XX/2021, I sent each credit reporting agency an identity theft report filed with the Federal Trade Commission with identifying documents attached ( drivers license, social security card ) and a statement from I the consumer, via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. NEED REMOVED FROM TRANSUNION ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

Diversified Adjustment Services Inc. attempted to call and collect a charged-off debt from XXXX. I requested that they cease from calling me as this debt has been disputed with previous collection agencies and XXXX failed to respond to those disputes request. I asked the representative from Diversified Adjustment to remove my number from the calling list and to not call me again. He then became very rude and said that they were going to get there money. They then stated that the bill was not going to go away even though I disputed this with XXXX and they did not respond. I made a second request for the collection agency not to call me and he then stated that a verbal request to not call me was not good enough. I then hung up.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Dear Transunion, XX/XX/XXXX I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Open account with account # XXXX opened on XX/XX/XXXX and a balance of {$170.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 








XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, XX/XX/XXXX I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX, NA Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$92.00}. The original creditor is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Product: Mortgage

Well i had a house in XXXX and the first payment going to be on XXXX i didnt pay XXXX and XXXX finally in XX/XX/XXXX i sold that house everything so the payment now wAs off payment was in XXXX no debt nothing was only 60 days late i got my points in my credit up again and now the reported to my credit 120 days to 149 days late i called them tried to fixed and they cant do nothing i have to wait i ask for a letter and nothing either, is urgently cause im under contract and my credit its bad for that error of them equity prime XXXX XXXX please
Product: Checking or savings account

I was told XXXX ( XXXX ) that my account ending in XXXX is scheduled to be closed on XX/XX/XXXX. I did not know this until trying to make a purchase. I have had this card for several years and I have other accounts with capital one. I have called recently prior to this and was never told it would be closed if I had not used it. Please do not close my card
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: Debt collection

The agents I spoke to were not only incredibly rude, but also refused to identify what their company did until I verified my personal information. They were harrassing until the point where I verified the information they had, and then they refused to provide me with a bill showing the amount I owed. The supervisor I spoke to ( after being transferred by the first abusive agent ) said that they would be unable to provide me with any documentation until after I paid. I explained that I would not pay until I received notice about what it is I was to be paying ( to avoid shady collection scams ), and was told my account would be documented appropriately but that they had " already sent me enough bills over the years, '' none of which I have received.
Product: Credit card

Disputed transaction for XXXX XXXX XXXX for XXXX $ XXXX XXXX XXXX challenged the chargeback then contacted capital one they advised me to provide supporting documentation, of which I did. 

Capital one send me a letter saying it lacks evidence needed and to contact the merchant. Called capital one again spoke to a supervisor they advised me exactly what documentation needed to close the dispute in my favor provided the letter as requested same day. XX/XX/year> I received the SAME letter saying to work it out with the merchant.
Product: Credit reporting or other personal consumer reports

CFPB Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Agencies ' Failure to Conduct Internal Investigation Dear CFPB and Credit Reporting Agencies, I, XXXX XXXX XXXX, submit this dispute regarding XXXX, XXXX, and TransUnion 's failure to conduct internal investigations and verify information accuracy. 
Dispute Basis : Failure to conduct independent investigations ( 15 USC 611 ( a ) ( 1 ) ).

Bias and partiality towards XXXX. 
Lack of documentation and evidence. 
Request for Documents and Information : Pursuant to 15 USC 611 ( a ) ( 1 ) and 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request : Name and contact information of the real living person from each agency who personally investigated this item. 
Documentation obtained and used during the investigation. 
Names of individuals personally spoken to regarding this matter. 
Methodology used to arrive at the determination. 
Proof of internal investigation procedures. 
Copy of the original agreement signed by both parties. 
Investigator Information : I require details about the investigator, including : Full name. 
Title. 
Contact information. 
Dates of investigation. 
Investigation Details : Please provide : List of documents reviewed.

Interviews conducted.

Evidence considered.

Timeline : I expect to receive the requested information within 5 days of this request. 
Investigation Requirements : No investigation can be complete or verified without : My inclusion and input. 
A copy of the original agreement signed by both parties. 
Previous Requests : I have previously requested the original signed agreement from XXXX, but have not received it. 
Remedial Action Requested : Conduct thorough, independent investigations. 
Delete inaccurate, incomplete information from my credit reports. 
Provide documentation supporting internal investigation findings. 
Supporting Law : 1

5 USC 611 ( a ) ( 1 ) - Investigation requirements.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) - Verification of debt.

FCRA Section 611 ( a ) ( 2 ) - Verification of debt. 
Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a debt validation request through the CFPB, to XXXX XXXX XXXX, asking them to provide specific documentation to substantiate the debt they claim I owe them. As of today, XXXX XXXX XXXX has failed to provide the necessary documentation as required. The documentation requested included : 1. **A detailed history of payments** made by me on this account, including dates and amounts of each payment.

2. **A copy of the contract or agreement** that bears my signature, which legally obligates me to pay this debt to the original creditor.

3. Information on whether any **insurance claims have been filed** in relation to this debt, and if so, the details of such claims.

4. **Proof of their authority** to collect on this debt, including documentation that establishes the chain of title from the original creditor to their agency. 

XXXX XXXX XXXX only responded with a verification that the debt was owed to the original creditor, which is insufficient and does not meet the requirements of my request. As they have failed to provide the requested documentation, their claim is unverified and invalid. Consequently, this account should not be reflected on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information. I am requesting that XXXX conduct an investigation into this matter and immediately remove the XXXX XXXX XXXX account from my credit report due to their failure to validate the debt as required by law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX The above account is not my account. I have reached out to the credit bureaus multiple of times. FRCA states that everything reporting should be 100 % accurate. I have no record of this account and this is not my account. This need to be removed. I have sent letters asking them to remove this fraud account. 
REMOVE FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account inaccurately. I was removed as an authorized user 45 days ago, but since they have not update the status since XXXX XXXX they are reporting false information. I spoke with the bank that the card was with and they encouraged me to speak with directly with Equifax. So, I put in a dispute XXXX weeks ago and this morning I called to get an update ; since this was not an error on the bank 's part, but an error on the part of Equifax, the reporting bureau. However, the agent that answered mistakenly removed, not the incorrect information, as I asked, no doubt due to the language barrier. I asked to speak to a manager to let them know that I was not asking to remove the dispute, I was asking that the account in dispute be removed since it is still showing as my responsibility ; although XXXX and XXXX properly update the account. To resolve the issue they stated that they can only start the XXXX window over again regardless of the representative misunderstanding. I then asked to speak to a US based representative, and he refused stating he was the last escalation and if I want a US rep I would have to keep calling back until I get one. He did however confirm that the account had not been updated on the credit report since XX/XX/2023, but there was nothing he could do about it. 

This is hurting my financial future and significantly impacting my credit score, as my wife and I are trying to apply for a mortgage and this is the only inaccuracy across all of my accounts with the 3 bureaus and should be an easy fix, by updating the account and not making me start the 30 days over because their overseas outsource help misunderstood what I was asking and then refused to get me to a US manager to resolve this matter.