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

XXXX XXXX  - XXXX The balance and/or past due are/is incorrect The amounts, other than balance and/or past due, are incorrect The credit limit and/or high balance are/is incorrect The payment history/rating is incorrect Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information that I believe is inaccurate. The FCRA mandates that credit reporting agencies investigate any disputed information within a reasonable time frame. Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The inclusion of an incorrect address on my credit report is a violation of these legal obligations.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from Experian associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Experian has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA.

This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I had noticed on my online account that my credit limit had significantly decreased from {$3100.00} to {$500.00}. I requested a limit increase on XX/XX/XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX indicating the reason for my credit limit decrease was as follows : 1. Accounts last reported in delinquent status 2. Serious delinquency 3. Proportion of balances to credit limits on bank/national revolving accounts is too high 4. Time since delinquency is too recent or unknown. Being a person who has never missed a payment and always has paid well over the minimum amount I was confused and angry. I called the company on XX/XX/XXXX and demanded an explanation. She simply repeated back to me what was on the letter and said I could file a complaint and a manager would contact me in 2 to 3 business days. Sure enough, I did not receive a call from a manager. I made a call today XX/XX/XXXX and demanded I speak to a manager and instead the representative spoke to the manager and came back to tell me it was the banks decision to do so. She then tells me that a lot of people are calling with this complaint of decreased credit limits. No explanation was given as to how I was viewed as a delinquency customer and my credit limit was not fixed.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX Reported : XXXX. XXXXXXXX XXXX 15 U.S.C. 1692e ( 8 ) is a provision of the Fair Debt Collection Practices Act ( FDCPA ) that pertains to false or misleading representations by debt collectors. Specifically, this section addresses the communication of false information regarding a consumer 's credit standing.

15 U.S.C. 1692e ( 8 ) : False or Misleading Representations This section states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. In particular, it prohibits : Communicating or Threatening to Communicate to Any Person Credit Information : 15 U.S.C. 1681s-2 ( b ) : Duties of Furnishers of Information Upon Notice of Dispute Investigation of Disputes : Upon receiving notice of a dispute regarding the accuracy or completeness of any information provided to a CRA, the furnisher must conduct an investigation with respect to the disputed information.

Prohibited Practices : The FDCPA prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts. This includes : Harassment : This can involve threats of violence, the use of obscene or profane language, or repeatedly calling a person to annoy them.

False statements : Debt collectors can not lie about the amount of money owed, claim to be attorneys if they are not, or falsely claim that the debtor will be arrested.

Unfair practices : Debt collectors can not try to collect any amount greater than what is owed unless allowed by law. They can not deposit a post-dated check prematurely, and they must not take or threaten to take property without the right to do so.
Product: Debt collection

Subject : Request for Copy of 1099-C and Resent Validation Letter Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request copies of certain documents related to the debt account in question, which is being serviced by your agency.

Firstly, I kindly request a copy of the 1099-C form associated with the debt. As a consumer, I believe it is important to have a clear understanding of all relevant tax documentation related to any forgiven or canceled debt. 

Secondly, I would like to request a resent copy of the validation letter that was originally mailed out to me on XX/XX/year>. I previously disputed this account and to my knowledge, nothing was sent to me to legally verify this account in accordance with my rights under the Fair Debt Collection Practices Act. 

I understand the importance of maintaining accurate and up-to-date records regarding my financial obligations, and I believe that having access to these documents will help me in managing my financial affairs effectively. 

I kindly ask that you provide me with the requested documents at your earliest convenience. Please send the copies to the address listed above. If there are any fees associated with obtaining these documents, please inform me in advance. 

Thank you for your attention to this matter. I look forward to receiving the requested documents promptly. 

Warm regards,
Product: Credit reporting or other personal consumer reports

On XXXX, I contacted XXXX XXXX and XXXX XXXX to make a payment arrangement for a debt I owed and wanted to repay. The original creditor was XXXX XXXX XXXX XXXX XXXX for a medical debt. I was transferred from the phone number I had for XXXX to XXXX XXXX, so I made payment arrangements with them. The arrangement was made with rep XXXX XXXX on XXXX, for an auto debit of {$25.00} a month to begin repayment of this debt, account number XXXX. Monthly debits began coming out of my checking account for this arrangement. On XX/XX/2024, I noticed that payments had not been deducted from my checking account for this monthly debit. I called XXXX but the XXXX XXXX XXXX phone number was reported by XXXX to no longer be in service. I then looked up XXXX on the internet, which took me to a news article for CFPB which stated that XXXX XXXX XXXX was no longer in business, that they had been sued by CFPB, closed down and fined. 

I would like for the three reporting agencies to remove this item from my credit reports. This is due to the fact that this company is not legitimate anymore and I will need to figure out who now has the debt and start over to get it paid back. Whether or not a new debt collection agency will report this debt to the credit bureaus has yet to be determined. 

Thank you for your assistance with this matter. I really appreciate your assistance.
Product: Credit reporting

I disputed the 'date of first delinquency ' with Equifax . They completed their investigation but did not address the issue I disputed ( they responded stating that the balance, close date and date of last activity was correct when I specifically disputed the DATE of FIRST DELINQUENCY ). I called the creditor to confirm the correct date and re-disputed with Equifax ( XXXX ) and provided all the contact information of the person that I spoke to at the creditor. They have already completed the investigation and did still did not address the issue that I have disputed. I am including copies of the letters that I have sent them during the dispute process. Equifax failed to properly investigate this information and is continuing to report inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX 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 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: Credit reporting, credit repair services, or other personal consumer reports

Please delete these unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated in their XX/XX/XXXX  letter of Response to my CFPB COMPLAINT # XXXX AGAINST XXXX XXXX XXXX that after their investigation, as of the above Date, it was no longer on my Credit Report. 
It is currently still showing on my Credit Report.
Product: Mortgage

We are set to close on XX/XX/XXXX. This is the result of an extension request, as we were supposed to originally close on XX/XX/XXXX. 

We received conditional approval on XX/XX/XXXX. With the approval came a list of items we had to complete, including paying off our auto loan. We completed everything on the list. On XXXX we were notified that there was now a new condition, which required us to have cash reserves. Again, this was not disclosed to us at the beginning of this process and before we put an offer on the home and it was accepted in ( XX/XX/XXXX ), nor was it disclosed after we were in the closing process. The loan processor said that the requirement for cash reserves was implied since they asked us for documentation of our retirement accounts. Truist admitted that they never told/ disclosed this on the conditions list nor verbally. We are 24 hours from closing and still have not been given a clear to close. 

Attached is our conversations surrounding the conditional loan approval
Product: Credit reporting or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 ). I am not the one who initiated these inquiries. These inquiries is hurting my credit score.

I am submitting a complaint regarding these inquiries and for assistance to REMOVE there from my credit report immediately.
Product: Credit reporting

{$3000.00} legal matter in XXXX county. I 've never been there in my entire life. It 's not me! There 's XXXX of us with the same name in my family. Everytime something happens it somehow falls on me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by Experian that they verified the bankruptcy by the Court. 
I was told by the court that they don't verify any records. Also I was trying to dispute one or two address that is inaccurate in my credit report but they do not me let do it online and when I call the person did not even why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a major victim of identity theft and my personal information was compromised to a point beyond restoration. Recently, when I conducted a credit check I discovered that there are bankruptcies reporting on my credit report that were filed in the year of 2019. I never filed for a bankruptcy therefore, when I contacted the credit bureau to dispute the public records information inaccuracies they told me to contact the public records office of XXXX. I contact XXXX and I informed their offices of the fraud and they conducted their investigation and concluded that the information were fraudulent and removed the fraudulent bankruptcies from my credit report. However, the credit reporting companies have not removed anything from the report despite the public records investigation that deemed the information as fraud. I request that the credit reporting companies remove the fraudulent and inaccurate information from the credit report because these bankruptcies were filed fraudulently and I will provide the documents with this report regarding this matter. I was able to obtain the documents from the court of bankruptcy and from the very first page it implicates the fraud in this matter.
Product: Vehicle loan or lease

I took out a vehicle loan with Navy Federal on XX/XX/XXXX. I filed XXXX XXXX bankruptcy on XX/XX/XXXX in which I reaffirmed the vehicle. When my bankruptcy closed out in XX/XX/XXXX I contacted Navy Federal in XX/XX/XXXX to resume my payments since my online access was no longer working. They advised me that the vehicle had been XXXX in bankruptcy not reaffirmed. After investigating, it was determined that Navy Federal never turned the reaffirmation agreement document back into my lawyer or the court so the loan was never reaffirmed. My attorney had to reopen my bankruptcy case in XX/XX/XXXX to have the reaffirmation form filed with the courts so that I could resume payments. After the reaffirmation agreement was finally filed with the courts, I noticed that my loan date for Navy Federal was now showing as being opened XX/XX/XXXX with a totally different loan #. I reviewed my credit report and also noticed that my original loan was no longer on my report which caused me to lose 2 years worth of positive payment history ( XXXX ). I also noticed that my loan no longer included my GAP insurance which I had on my original loan. I never resigned any loan documents authorizing a new loan date or declining XXXX coverage. When I called Navy Federal to question the discrepancies, I was advised that due to them closing my account out in error vs doing the reaffirmation, they had to create a new loan, with a new account #, and the date had to reflect the date the bankruptcy was closed out. I have filed bankruptcy in the past and have reaffirmed a vehicle so I know this is not correct handling. I have another vehicle with Navy Federal that I am the cosigner on that my ex husband filed bankruptcy on and reaffirmed and all of his loan information remained the same. The navy Federal bankruptcy rep ( XXXX XXXX XXXX admitted that he dropped the ball and forgot to file the reaffirmation agreement on my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

am a natural person, living human being, i have a option to claim rights if i choose at this moment in which i choose to exercise that right under 15 usc 1681.

equifax is govern by 15 usc 1681. said company employees working for such corporation has chosen to interfere with credit profile attached to my person in which i choose to exercise to claim such person at this given moment in time. i require at this time for all inquiries and accounts be removed from said credit profile XXXX XXXX XXXX because according to 15 usc 1681 if a option is given in which i choose to exercise such privilege at this moment by such interference of said attached this ssn is causing a harm in receiving benefits of exercising my right to use such ssn number in which i choose to excerise such right to privacy and did not give equifax written permission to furnish these accounts or inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX I contacted the credit reporting company after reviewing my credit report. I noticed that there were various addresses on my report. I let the representative know that I had submitted a police report last XXXX in order to get several items removed from my credit as well as the various addresses removed. The representative continued to inform me that I was wrong about my information. The only address is the one I have had for years is this address. This is the address on my license. This is the address that my vehicle is registered to. This is the address my children leave home from school to and come back home to. This is the address my work and insurance documents come to. Please remove all addresses from my XXXX report that is not the address stated on my license.
Product: Checking or savings account

Received letter in the mail from bank of America that a checking account was opened in my name. Also received and email that a debit card is being sent to me. The address on file is not my address.
Product: Credit reporting or other personal consumer reports

The following account is inaccurate and unverifiable. 
1 ) XXXX XXXX XXXX Acc XXXX XXXX XXXXXXXX XXXX has remove this account from my credit report and I would like XXXX and Equifax to do the same.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute a late payment reported by XXXX on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the plateform. despite using zelledespite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. they informed me that recovering lost funds wasimpossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit thethe system but leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting, credit repair services, or other personal consumer reports

We opened joint checking account  XX/XX/XXXX  at  XXXX   XXXX   XXXX  (  XXXX   )   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX . We had no issues until after we closed the accoun t  XX/XX/XXXX   when we moved to  XXXX . In   XX/XX/XXXX  our credit score  dropped alarmingly. Upon investigation, we found it was due to   XXXX   reporting that they closed our accoun t  XX/XX/XXXX  d ue to a charge off of {$870.00}. We contacted them & were told that, without our knowledge or authorization, they had re-opened our account & paid a {$870.00}. transaction. And since we never made a deposit to cover that transaction, they had just closed our account & wrote off the {$870.00}. I reminded them that we closed our accoun t  XX/XX/XXXX  & had no knowledge of the transaction & had not authorized them to re-open our account or p ay any charges. The  XXXX  employee told us the only way they would correct the credit report was for us to send them {$870.00}, despite the fact that we were not liable for it. We could not afford to do this. I filed a dispute with Transunion, a month later I received their report stating that  XXXX  had assured them that the facts as they stated them were accurate so TransUnion did not delete the account. Their investigators did nothing other than talk to a  XXXX  employee. Documentation showed we closed the account  in  XX/XX/XXXX  & t hat we had not initiated the {$870.00} transaction, if they had asked for it. Meanwhile, ou r credit score contin ues to remain low.