23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This complaint is in reference to my credit card statement. The Credit Card Accountability Responsibility and Disclosure Act of 2009, section 201, requires credit card issuers to state in a " Minimum Payment Warning '' how long it will take you to pay your debt and the amount of interest that will incur if making the minimum payment. In my statement, I was warned that it would take 12 years @ {$15.00} per month. This is not correct and the balance of {$1500.00} would actually never be repaid with that minimum payment. The interest alone would accrue at a little more than {$0.00} per day. This is not a problem for me as I've been paying the entire balance each month for some time. However, for those that can't pay their balances in full, this information was meant to inform them of the consequences of making minimum payments. The correct answer in their warning shouldn't have been " 12 years '' but " Never ''. To be fair, their calculation of the amount to pay the balance in 3 years was accurate. In times as we are now, it is not a bad thing to be able to make a small minimum payment if necessary but people need to have an accurate understanding of the consequences as well. This is not a grievous violation but failure to give accurate information violates the spirit of the law for certain. 

I did contact Capital One customer service at one point in late in XXXX or early XXXX to discuss my findings and I was passed from a customer service agent to a supervisor. The supervisor didn't seem to grasp the problem or even see it as a problem. She didn't help me. 

I then filed a complaint with the Attorney Generals Office of Washington State. They determined this could be handled through their informal complaint resolution services offered by their Consumer Resource Center. They contacted Capital One and gave Capital One 21 days to respond to the complaint. Capital One has not responded to them and Washington State will not pursue it further.
Product: Debt collection

I received multiple calls in one day, and per the caller, I was being sent to a collection from an unknown medical visit, to which I have heard nothing about from 4 years ago. I said the debt is NOT mine and that they were harassing me by calling me multiple times. the man speaking to me threatened me and told me I was wrong. I informed them that I am protected by law for surprise billing and to contact my congressman, the man did not know what a congressman was. I questioned his authority and that he was even a legitimate citizen of this country. he belittled me by saying that XXXX XXXX, who passed this law along with my congressman, was not to be called XXXX. I told the man I was not going to argue with him about this and that if he called me anymore and did not let this go, I will file harassment against him. I then got a letter saying it is in collection and this company is Ability recovery services, in XXXX XXXX for {$340.00} I also would like to add that if this was a real bill that belonged to me, why did it take 4 years to be brought to my attention? 

Also, it says the company claiming I owe them from something 4 years ago, I have never done any business with.Why would I try to work something out with either of these companies when I don't even believe that this is my debt? I have Identity Theft affidavits on file both with my state and through the Federal level. How do I know if someone tried to falsely use my identity. Is this even a legitimate medical bill? Explain to me how XXXX XXXX XXXX is associated with a medical bill? I have never heard of such a place. I asked Ability Recovery to give me an itemized bill for this claim and they did not provide it to me. Who would pay a bill that sounds like some sort of extortion mafia who can not even prove that a bill belongs to me or what it is for. This reeks of FRAUD!!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these ACCOUNTS ( A ). It is not permitted to report these ACCOUNTS as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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

I have sent out all that was required of me by TransUnion and XXXX, but yet again they are stalling. If these XXXX Alerts are not deleted, I will also file a XXXX report.
Product: Credit reporting or other personal consumer reports

Request to Remove Fraudulent Accounts Under Section XXXX of the FCRA To Whom It May Concern, I am writing to formally dispute fraudulent accounts appearing on my credit report, and I am requesting their immediate removal in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ). 

I recently reviewed my credit report and identified the following accounts as fraudulent These accounts were opened or incurred without my authorization or knowledge. I have taken the following steps to address this issue : Completed an Identity Theft Report via the Federal Trade Commission XXXX XXXX XXXX of the FCRA, consumers who submit a valid Identity Theft Report and supporting documentation are entitled to have fraudulent information resulting from identity theft permanently blocked from their credit report. I have included the following documents to verify my identity and support this dispute : XXXX. A copy of my government-issued ID XXXX. A copy of the police report and/or Identity Theft Report. 

I kindly request that you : Remove or block the fraudulent accounts listed above from my credit report. 
Notify me in writing once the accounts have been removed or blocked. 

Please note that this request is time-sensitive, and I expect compliance within the statutory time frame outlined in the FCRA. If you require additional information, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

Attachments : Copy of Identity Theft Report Government-Issued ID Proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to get my TransUnion credit score for quite some time now. I am unable to see it through XXXX XXXX, XXXX XXXX, XXXX XXXX, and even TransUnion online monitoring service. At first I thought it was a 3rd party issue when my local bank, XXXX XXXX, and XXXX XXXX could not show my score. I then paid for TransUnion monitoring service of just their bureau w/ score for {$9.00} on XX/XX/22 when I logged in it showed my score was XXXX like everywhere else I had been seeing. The system offered me a " trial period '' of 30 days to see my score and then $ XXXX which I opted to take advantage of to see if that would give me my score. It directed me to setup another profile which I did but then instead it billed me {$29.00} and yet again I did not have my score. I have called into TransUnion on a weekly basis regarding this issue and to this date I still don't have my score. Their representatives are hanging up on me, stop responding by muting themselves, or trying to help but still not remedying my issue. At this point all I want is to be able to see my score and I would also appreciate a refund as the issue is obviously being created by them as I can't see my score even with their products.
Product: Debt collection

Company sent me a letter dated XX/XX/19 - I received on XX/XX/19. On XX/XX/19 I disputed the debt and requested validation. 

The company blatantly broke the law by reporting the account on my credit report on XX/XX/19 without responding to the dispute or validation request. 

The broke the law numerous times because they reported before the 30 day period is up and they did not respond or validate the debt before reporting on my credit. 

This debt is not valid, it was settled with another debt collector.
Product: Student loan

I sent in a check ( check # XXXX ) for {$45000.00} for the complete loan payoff amount for XXXX on XX/XX/2024. I provided specific directions that this was to be the payoff amount. These directions were word for word the specific directions provided to me by Aidvantage to payoff my loan. The check was received by Aidvantage on XX/XX/2024. However, Aidvantage is still show that I owe my student loans. Correct this now and provide me a check for overpayment in the amount of {$0.00}.
Product: Mortgage

Nationstar mortgage incessantly calls me, before I 'm late on a payment. I have a grace period of 17 days, but they start calling and emailing on XX/XX/XXXX. I sometimes get calls 10-12 times a day. I always pay my mortgage and am not behind. This has to stop. It 's affecting my job.
Product: Credit card or prepaid card

This is regarding a XXXX store card through XXXX XXXX. I had a payment due on XX/XX/XXXX, I have a automatic payment set up through them, which comes out on the due date. On XX/XX/XXXX, I realized that I needed to wait til XX/XX/XXXX to pay as I had some unexpected expenses come up. 

I called the # on my statement and spoke with a customer service rep. I let her know the above and she said I cant change your due date, I replied that was fine as I didnt want to change my due date, nor did I ever ask that, as I had asked her to move my automatic payment to continue in XX/XX/XXXX and do a 1 time payment for XX/XX/XXXX. She said ohhhh, ok as if she understood. 

She said so you want to cancel the auto payment?, I said No and I explained all the above again. She replied that wasnt possible and went on to explain she could cancel the auto payment and do the 1 time payment. I replied with, that doesnt make sense as I had done this with other banks in the past, but whatever.. if this is what they had to do then so be it. She went on to explain that to reenroll the auto pay, I would have to do it automatically online or fill out a written form. I did again mention that was very archaic to have to write in, and asked why I couldnt just do this over the phone. She said it wasnt possible. 

I said ok, cancel it, schedule my 1 time payment and Ill go online and reenroll. She said ok, then said this may take up to 72 hours to cancel. This is when I became angry. I had spent 10 minutes explaining the reason for my call, the payment was tomorrow, and why would you tell me you could do my one time payment for XX/XX/XXXX and stop my payment from processing XX/XX/XXXX if you knew there was a chance you couldnt stop a payment from processing on XX/XX/XXXX? ( Mind you online and on the statement it clearly states you can pay until XXXX XXXX  on the day of the payment due date and I was calling the day before ). She said she must have misunderstood me. I explained everything I said and she said yet again. She began stuttering and apologizing. I asked for a supervisor. 

The supervisor said all the stuff she did, except when I would talk, he would attempt to cut me off. He cancelled my payment on XX/XX/XXXX but still proceeded to say it might run anyways. That made no sense. He said she misunderstood. Again, I was very clear and repeateded what I needed on multiple occasions. He asked me is there anything else you need, or question I can ask I then asked why he was so rude and wanted to rush me off the phone and he said he was disconnecting the call. I replied wow, thats crazy, you guys just hang up on people who complain about your service that arent cussing and arent calling you names? He went on to say I hope you have a better day and hung up on me as I was talking. 

How is this acceptable?
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically its duty to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my repeated efforts and the evidence I provided, Experian has neither corrected nor removed the disputed items, which remain inaccurate or unverifiable. This failure has negatively impacted my credit standing and caused ongoing financial harm.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of disputed information within 30 days. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies ensure maximum possible accuracy in consumer credit files. Experians failure to properly investigate my disputes and its refusal to correct or remove inaccurate accounts constitute clear violations of these legal provisions.

Furthermore, I would like to bring attention to the recent CFPB lawsuit against Experian, which highlights systemic issues within its dispute resolution process. The lawsuit alleges that Experian has : 1. Failed to forward consumer-provided evidence to furnishers.

2. Accepted unreliable responses from furnishers without proper validation.

3. Failed to adequately notify consumers about the outcomes of their disputes.

These allegations mirror my experience. Experian has not properly reviewed or addressed the documentation I submitted, has failed to provide detailed explanations regarding its dispute resolutions, and has ultimately refused to take corrective action. This negligence continues to harm my financial standing, limiting my ability to obtain credit under fair terms.


Requested Action : I respectfully request that the CFPB take immediate action to : 1. Investigate Experians failure to comply with FCRA dispute resolution requirements. 2. Require Experian to correct or remove the disputed accounts from my credit report. 3. Ensure that Experian improves its dispute handling process to prevent further harm to consumers. Experians noncompliance with federal law has directly affected my financial stability, and I urge the CFPB to intervene promptly. Please find attached supporting documentation, including copies of my dispute submissions and Experians inadequate responses. Thank you for your time and consideration. I appreciate your efforts in ensuring consumer protection and fair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In retaliation againt me for filing a complaint with the CFPB, XXXX XXXX XXXX XXXX has refused to report my account status to the credit bureaus for more than 60 days. My account is current, it always has been current. Supporting documents are attached.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( 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.

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal ame : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please REMOVE this information at the earliest possible time. I am ling an FTC report and PLEASE NOTE THAT I DO NOT AUTHORIZE YOU TO PUT A FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT. 
Please investigate these matters and remove the disputed items as soon as possible : XXXX - XXXX - This account is a result of Identity Theft. Please remove this account from my report. - Please investigate and remove it from my report immediately XXXX - XXXX - This account is a result of Identity Theft. Please remove this account from my report. - Please investigate and remove it from my report immediately XXXX XXXX XXXX  XXXX - This account is a result of IDENTITY THEFT. I do not authorize this account. - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to me XXXX - XXXX - This account is a result of Identity Theft. Please remove this account from my report. - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to me XXXX XXXX - XXXX - This account is a result of Identity Theft. I disputed this account multiple times. But you are still reporting this account inaccurately. You are clearly in violation and you should remove this account immediately. Otherwise I will seek legal compensation money from you. - This is not mine - please remove this inaccuracy from my report! 

XXXX XXXX XXXX - XXXX - I have no late payments made on this account. I PAID this account as agreed. - This is not mine - please remove this inaccuracy from my report. 

XXXX - XXXX - This account is a result of Identity Theft. I disputed this account multiple times. But you are still reporting this account inaccurately. You are clearly in violation and you should remove this account immediately. Otherwise I will seek legal compensation money from you. - This is not mine - please remove this inaccuracy from my report!
Product: Credit reporting or other personal consumer reports

My wallet was stolen and someone attempted to use my information fraudulent that resulted in unauthorized fraudulent hard inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX REPORTED LATE PAYMENTS ON ACCOUNT : XX/XX/2016 ( PAST DUE 30 DAYS ) XX/XX/2016 ( PAST DUE 30 DAYS ) XX/XX/2016 ( PAST DUE 60 DAYS ) XX/XX/2016 ( PAST DUE 90 DAYS )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I mailed a certified letter to Experian requesting proper validation of a few accounts. I called XX/XX/XXXX to verify the letter was received XX/XX/XXXX like stated by the post office. I have been disputing these accounts for over 6 months. Per FCRA 609 I requested proper validation meaning original application and identification used when account was opened. On Sunday XX/XX/XXXX I was notified that the investigation of a couple of accounts were complete. I called Experian XX/XX/XXXX and spoke with XXXX in the XXXX department and he stated all though XXXX XXXX did not provide the proper validation that was requested the account will remain which is against the law. Experian is refusing to properly validate the accounts as I requested.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year> 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section of the report.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; XXXX XXXX XXXX XXXX, mi XXXX XXXX XXXX XXXX XXXX, mi XXXX XXXX XXXX XXXX XXXX XXXX, mi XXXX My only name is XXXX XXXX My only address is me : XXXX XXXX XXXXXXXX, MI XXXX My only date of birth is XX/XX/year> You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : UPSTART NETW | XX/XX/XXXX : Account number : N/A, Untimely. Fix the account number and send a full report. 

XXXX | XX/XX/XXXX : Account number : N/A, Untimely. Fix the account number and send a full report. 

XXXX XXXX : Account number : XXXX, Untimely. Fix the account number and send a full report. 

XXXX | XX/XX/XXXX : Account number : N/A, Untimely. Fix the account number and send a full report. 

XXXX  XXXX : Account number : XXXX, Untimely. Fix the account number and send a full report. 

XXXX XXXX : Account number : XXXX, Untimely. Fix the account number and send a full report. 

XXXX XXXX : Account number : XXXX, Untimely. Fix the account number and send a full report. 

XXXX  XXXX : Account number : XXXX, Untimely. Fix the account number and send a full report. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX