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

Americain Express Credit Cards {$2100.00} {$3100.00} Both Cards have been charged off and it is a violation to report charge off accounts. 

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.
Product: Debt collection

I the consumer sent verification letter out specifically asking for information about the debt owed with my signature and receipts claiming that my debt is valid. But still never received anything from the collection agency Hauges Associates. 

First letter sent on XX/XX/ Received a letter from the bureau claiming debt was verified but no receipt or signature with my name on it. 

Sent a complaint to the XXXX on XX/XX/ From my knowledge The HIPAA law allows you to question your privacy while validating a medical debt and may also suspend reporting the collection item to your credit reports until it is resolved. 

Yet nothing was suspended or sent back yet.
Product: Debt collection

XXXX turned me over to collections for. credit card debt they could not validate. I sent a letter stating that I would pay any debt they can validate that I am responsible for by providing me with an invoice ( not statements ), a contract with wet ink signatures from both parties, full disclosure, and an assignment contract. I have not received anything but statements and now a letter stating they intend to sue me in court. They need to provide an assignment contract and validate this debt with a contract with wet ink signatures from both parties to legally validate my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR THE PAST 3 MONTHS I HAVE BEEN REPORTING TO EQUIFAX THAT THERE IS A FRAUDULENT ITEM ON MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT AND THEY REFUSE TO HELP ME. I HAVE BEEN CALLING AND FAXING INFORMATION TO THEM, THE SAME FRAUDULENT ACCOUNT WAS REMOVED FROM THE OTHER 2 BUREAUS. I DON 'S UNDERSTAND WHY EQUIFAX IS NOT ABLE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

There appear to be errors in the reporting of certain accounts on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Reported by TransUnion Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XXXX, XXXX, and XX/XX/year> are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Late Payments : XXXX, XXXX, and XX/XX/year> High Balance : {$3100.00} Balance Owed : {$1300.00} Account Status : Open, Current Account Type : Credit Card Evidence of Errors : Auto-Pay Enrollment : I have been enrolled in autopay, ensuring all payments were made on time.

Discrepancy in Reporting : TransUnion incorrectly reports 30-day, 60-day, and 60-day late payments for XXXX, XXXX, and XX/XX/year>, respectively. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request.

Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payments for XXXX, XXXX, and XX/XX/year> from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

I requested mediation back in XXXX via Wellss Fargo representative XXXX XXXX on the day of the mediation meeting the mediator clearly stated that she was the person who handled mortgage loans and heloc account. So I keep getting letters from Wells Fargo Bank stating my case was settled. Which is not true. I am not getting any explanation about the forbearance being placed on our credit report which has affected our ability to purchase anything without getting a higher rate loan. This not fair for us. I am attaching copies of the documents that we received from Wells Fargo Bank stating that they made errors in their calculation of our accounts.
Product: Debt collection

Received no notification of debt only found out when it appeared on my credit report. Never received a bill or delinquent notice from XXXX. Never have I had an XXXX account
Product: Credit reporting or other personal consumer reports

I am filing this claim in objection becuse I have been a victim of identity theft due to a breach in Equifax 's database, which has comprmised my personl identifible information. Due to this action, there have been many fictitious actts opened in my name which hav damaged my credit profile. I have also filed an Identity Theft Report with the FTC for proof of this crime.
Product: Checking or savings account

My friend told me that Citibank had a promotion. If a client opened a new saving account between XX/XX/XXXX and XX/XX/XXXX and maintained a minimum balance of {$25000.00} in the account until XX/XX/XXXX, with a new checking account, the client will earn a {$200.00} bonus. Besides, if the client maintained a minimum balance of {$15000.00} in the checking account until XX/XX/XXXX, the client will earn a {$300.00} bonus. 
I opened a new saving account and new checking account in Citibank 's branch at XXXX XXXX XXXX, XXXX XXXX, NY XXXX on XX/XX/XXXX and maintained {$25000.00} in the saving account and {$15000.00} in the checking account until now. Citibank did give {$300.00} cash reward in my new checking account on XX/XX/XXXX. However, the {$200.00} cash reward I got on XX/XX/XXXX for my new saving account was reversed on XX/XX/XXXX. When opening the two accounts on XX/XX/XXXX, I followed all instructions from the branch 's personal banker XXXX XXXX XXXX. So it was either the branch did something mistakenly when opening my accounts on XX/XX/XXXX, or Citibank wrongly reversed the {$200.00} cash reward from my saving account. I have tried to contact XXXX XXXX many times by emails, phone calls and visits, but she has not respond to me.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. BANK OF AMERICA XXXX and BANK OF AMERICA XXXX
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX  XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX : {$0.00}. Please delete these accounts ASAP.
Product: Payday loan, title loan, or personal loan

The Smile Generation division of Comenity Capital Bank has repeatedly assessed late fees to my account for payments that were processed thru my bank a week in advance of the due date. They have twice processed the payments they received well before the due date on the day FOLLOWING in order to assess late fees and collect additional interest. 
Additionally they prevent the customer from setting up more than ONE payment at a time on their own site and black out the ability to PREPAY several month 's payments in advance, even though the same processor allows multiple payments to be processed for XXXX XXXX XXXX for which Comenity Bank is also the processor. 
This is a bait and switch where none of these limitations and additional fees are explained at the time I was solicited by my XXXX   to obtain the account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report. within four business days, pursuant to section 605C of the fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX. {$5500.00}, XXXX XXXX bal. {$370.00}, XXXX XXXX bal. {$530.00}, XXXX XXXX XXXX XXXX. {$530.00}, XXXX XXXX XXXX. {$6200.00}, XXXX XXXX XXXX. {$5200.00}, XXXX XXXX XXXX XXXX XXXX. {$660.00}, XXXX XXXX XXXX XXXX bal. {$38.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a loan XXXX-XXXX-2017 with Nissan Motor Acceptance of XXXX tennessee advised the sales rep that I know what my credit score issue subscribing to the credit agencies credit score at the time was a XXXX and advised the company that I only want my credit ran through Nissan due to being a well qualified buyer. My sales rep was XXXX and the used car sales rep was XXXX. The car that I wanted was not in house XXXX had to travel to XXXX to pick up the car. XXXX the FOLLOWING DAY Saturday XXXX I started to get credit alert notifications. There were about 20 different inquiries showing on my account where XXXX had ran my credit so many times. And my credit score had dropped to a XXXX. When the store opened Monday I called and spoke to Managment by the name of XXXX the GM he stated over the phone that he would do what ever it took to make it right. I advised XXXX That I had the opportunity to contact some of the creditors and they had informed me that to get the company being Nissan to write a letter requesting to remove the inquiries. After speaking with XXXX and informing of what actions that needed to take place he agreed to derive a letter explaining the situation so that I may get the inquiries removed. I advised XXXX I could have had a better I interest rate also had the request of my credit only being ran through Nissan been completed. I advised him that I have a credit alert all over my credit and this was not surprised to have happened. Mean while waiting on the later and seeing that I had not been contacted ; I returned a call back to him. XXXX Stated that he could not issue a statement putting the do company at fault for any malicious intent. I STATED THAT IT WAS NEGLIGENCE ON THE COMPANIES BEHALF THAT THIS HAPPENED AND BECAUSE OF IT THIS HAS AFFECTED MY CREDIT AND MY ABILITY TO DO OTHER THING LIKE REFINANCING MY HOME. I CALLED NISAAN CREDIT TO ALERT THEM AND THEY DID NOTHING. PLEASE HELP ME ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. My social security has been used to open credit cards with XXXX and XXXX XXXX. XXXX has validated that credit cards were opened up with my personal information without my consent. I reported the identity theft to the police and reports were made. I disputed all accounts with all three credit bureaus who continue to report the accounts are negative or charged off. 

I am requesting the XXXX accounts be removed for all three credit agencies that are reflecting as negative which are indeed not my accounts. The XXXX XXXX account that is also reported as a charge off be removed because that is not my account, that was opened with my personal information that was stolen. 

Enclosed are copies of the letters I received from XXXX and XXXX XXXX validating my personal information was used to open the accounts without my consent. I am enclosing police reports validating that I am a victim of Identity theft. 
Please remove all accounts listed on my credit reports pertaining to XXXX and XXXX XXXX. 
Sincerely, XXXX XXXX XXXX : XXXX letters confirming my personal information was used without my consent and my social security number was used to open these accounts. Police reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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

The particular accounts position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sue to present facts that these are being reported efficiently as per the Fair credit Reporting Act regulations. I have done attempts to reach out the XXXX, Equifax and XXXX Credit Bureaus but the failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. INACCURATE ADDRESES : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX, FL XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, ACCOUNTS : XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date OpenedXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$4100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$460.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00}, XXXX XXXX Date Opened : XXXX Balance Owed : {$1800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

I am experiencing negative credit reporting and negative impact on my credit score, this has resulting in reduced credit limit decisions on credit cards. COVID-19 has impacted my self employment. I want all negative credit reporting in 2020 removed from my credit reports from XXXX, Transunion, and XXXX. Also, XXXX is taking a long time on their Data Hacking Settlement.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate. The Balance is not correct and the payment is not correct and the balance history is different on the XXXX, XXXX and TransUnion. Please Delete per the FRCA 611. 

XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times about information that is incorrect on my credit file. I call Equifax at least once a month every time I call they swear they're unable to verify my identity. Most recently I called XX/XX/2018 at XXXX central standard time and spoke with a lady that told me her name was XXXX. I told XXXX that I have a confirmation number and previously when I called Equifax they were able assist me with the confirmation number. Well she did not ask for the confirmation number and proceeded to ask me a series of questions of which I answered them all correctly but she continued to tell me she was unable to verify my identity and that I must send in a copy of my drivers license and social security card. I have sent Equifax at least 15 copies of the same drivers license and social security card. My main problem is Equifax has failed to properly verify the items on my credit file and despite my several requests has failed to delete the items and they have failed to provide me with updated copies of my credit file. Most recently Equifax sent me a letter stating the accounts in question are not showing up on my credit file but I have copies of my credit file from Equifax 's own product Equifax complete advantage that I was paying {$17.00} per month for. And according to Equifax 's own records the product that they charged me for gave me inaccurate information. I disputed an address Equifax told me the address was deleted but the address remains on my credit file.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX Balance : {$5800.00XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$88.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT.