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

On XX/XX/XXXX I received an email from Experian stating that my account information had been updated. I did not update anything, someone fraudulently changed my email and password to access my account. 

I emailed XXXX about the problem. I also called and spoke with someone named XXXX who confirmed that someone had changed my contact information and password. She created an " escalation ticket '' and said a specialist would contact me with instructions as to how to fix the problem. 

Later that day I received an email response saying I needed to mail documents to verify my identity to Experian 's XXXX XXXX XXXX XXXX, TX. 

On XX/XX/XXXX I mailed the necessary documents, paying extra for XXXX tracking. I emailed XXXX to let them know that I had mailed the documents, and I received a form response that Experian would " respond to [ my ] inquiry ... within XXXX to XXXX business days. '' On XX/XX/XXXX XXXX confirmed that the envelope with my incredibly sensitive documents arrived at Experian 's XXXX XXXX XXXX 

On XX/XX/XXXX, I emailed to simply request confirmation that the documents ( which XXXX indicated had been delivered ) had been received. On XX/XX/XXXX I received an email response stating that " At this time we are not able to locate any documents for you. This does not mean that they are lost, only that they have not yet been processed. '' I immediately responded with concern, since the documents contained personal information that would make me susceptible to further identity theft. On XX/XX/XXXX I received an email response stating that they hadn't processed anything and that " we're not able to provide you with an estimated time as they are worked in the order in which they're submitted. '' On XX/XX/XXXX, I again emailed to request confirmation that the documents I sent had been received. I received an email exactly identical to the one Experian sent on XX/XX/XXXX stating that they had no idea how long it would take. 

This situation has now been going on for 57 days, with no indication whatsoever that it is even being thoroughly addressed. In the meantime, a hacker has had access to my credit report and credit information, while I have not. This is an unacceptably long time to even begin addressing this problem, and an especially unacceptably long time to leave my credit vulnerable.
Product: Credit card

[ SEE ATTACHMENTS FOR DETAILS ] I am writing to formally dispute the inaccurate and misleading reporting on my Capital One credit card account. The information being furnished to the credit bureaus contains significant errors that are materially impacting my credit profile, and I request immediate corrective action. 
Disputed Reporting Inaccuracies : 1. Post-Closure Late Payments This account was closed in XX/XX/XXXX, yet there are XXXX instances of XXXX day late payments reported in XXXX, XXXX, and even XXXX. This is both inaccurate and misleading, as late payments should not continue once an account has been closed and charged off. 
o Violation : 15 U.S.C. 1681s-2 ( b ) Furnishers must ensure the accuracy of the information provided to consumer reporting agencies. 
o Metro 2 Compliance Issue Industry guidelines dictate that once an account is charged off, further late payments should not be reported.

2. Charge-Off Status & Ongoing Payment History Conflict A charge-off signifies that the creditor has written off the debt as a loss, yet Capital One continues to report monthly late payments, which artificially extends the negative impact of this account.

o Violation : FCRA ( 15 U.S.C. 1681i ) Failure to conduct a proper reinvestigation of disputed information.

o Violation : 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1637 ( a ) ( a ) Open-end credit plans can not report payments as late if billing errors exist or are disputed in good faith.

3. Inconsistent Reporting Across Bureaus The closed date is missing from XXXX and XXXX, though it is reported to XXXX. Additionally, the terms are missing from XXXX and XXXX, while XXXX reports it as " Revolving. '' o Violation : FCRA 15 U.S.C. 1681e ( b ) Creditors must maintain maximum possible accuracy in consumer credit reporting. 
o Further Issue : This account is not reporting to XXXX at all, which raises additional concerns about the accuracy and consistency of Capital Ones data furnishing practices.

4. Charge-Off Balance & Inflated Utilization This account is reporting a balance of {$1300.00} while the limit is {$1000.00}, leading to a 136 % utilization rate, which unfairly penalizes my credit score.

o Violation : FCRA ( 15 U.S.C. 1681s-2 ( a ) ) Prohibits furnishers from reporting misleading or inaccurate information.

o Violation : 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1637 ( a ) ( a ) Open-end credit plans must ensure accurate balance reporting, and misleading credit utilization negatively affects creditworthiness.

These errors have caused significant harm to my credit profile, and I expect immediate corrective action to bring the reporting into full compliance with federal regulations.
Product: Debt collection

XX/XX/2020 {$450.00} I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. 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. Please delete.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX Account # XXXX CREDIT LIMIT XXXX, XXXX NOT ACCOUNT NUMBER CREDIT LIMIT XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I am writing to you to express my deep concern regarding an alleged fraudulent XXXX account that has been erroneously reported on my credit report by Equifax. This account is adversely affecting my creditworthiness and has significant repercussions on my financial standing. 

Despite my repeated requests, Equifax has failed to provide sufficient evidence to validate the existence of this alleged account. I have requested Equifax to furnish any agreements, signed contracts, bills, or other documentation of this account, yet to no avail. It is essential to note that I have no knowledge or affiliation with the reported XXXX account. 

Equifax 's assertion that this account is accurate is categorically untrue and unsubstantiated. Without any documentation verifying this account 's legitimacy, Equifax must take immediate action to remove and delete this erroneous entry from my credit report. 

The inaccurate reporting of this alleged fraudulent account by Equifax has had severe repercussions on my financial well-being, impacting my ability to secure loans, obtain favorable interest rates, and even pursue certain employment opportunities. It is unjust and unwarranted for Equifax to perpetuate such damaging inaccuracies without providing any concrete evidence to support their claims.
Product: Debt collection

My name is XXXX XXXX. I am a real person. I am not a credit repair team. I have been handling my responsibilities and Ive come across people that have made it harder for me by violating my federally protected rights. 

Ive been harassed, threatened and violated by this company about debt that i do not owe. They have communicated with me without my prior consent through emails, mail, and calls. They have annoyed me. 

I sent a letter to XXXX asking for : Validation of the debtthat is, actual accounting. 

Verification of their claim against you ; that is, a signed invoice.

A copy of the contract binding both parties ( you and them ), in a letter by Certified mail so that there is an independent witness to it having been delivered.

However, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt. 

not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And Also, According to 15 U.S.C section 602 A states i have the right to privacy.

As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent.

This company has violated each and every one of my rights and i demand they pay monterey relief and remove the account from my credit report.
Product: Credit card or prepaid card

Discover Card. On XX/XX/2022, while traveling, Discover Card, without warning and for not decernible reason, put a hold on my card. I was sent an email which required me to down load a poorly worded form statement and take it to a notary, have my signature placed on the form before the notary, have the notary sign the form and then mail it to Discover. This was impossible at the time as I was traveling from Florida to North Carolina. I called Discover and was shuffled from one operator to another. Noone could tell me why they had taken this action to freeze my account nor would they do anything to assist me in resolving this issue. I feel this was an unfair and deceptive trade practice.
Product: Debt collection

Not enough information of validation of debt. I contacted LVNV FUNDING LLC through certified mail on XXXX for validation of debt. They placed collection activity on my credit report without any prior notice on XXXX. the account in question is # XXXX. Collection amount { {$1000.00} }, however I do not owe this debt and know nothing of it. LVNV FUNDING LLC appears to be a third party vendor. I believe they are doing this illegally and want the debt to be removed from my credit report.
Product: Prepaid card

I purchased XXXX appliance and I submitted rebate forms to get {$200.00}. I received citi XXXX debit card. The card expired and I contacted the customer service and they told me they can not do anything about it. Prepaid debit of {$200.00} disappeared! Can they do that?
Product: Checking or savings account

My account shows the amount available and when I pay bills with debit card it's acceptable then a week later I'm charged with an overdraft charged of XXXX, this started last month and I've always paid my bills in the past if the amount was available.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported to be removed. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Re : Account # XXXX Follow-Up : No Response Received Regarding Late Payment Dispute** Dear Sir/Madam, I am writing to follow up on the letter I sent on [ insert original letter date ], regarding the late payments marked by your company for my account on the following dates : Date of Late Payment : XX/XX/XXXX Date of Late Payment : XX/XX/XXXX In my initial correspondence, I requested information pursuant

to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC 1666 ( b ), specifically regarding the reasonable procedures you have adopted to ensure timely and accurate reporting of payment history on my consumer report. Additionally, I requested a written explanation of how these procedures align with the requirements set forth under section 1637 ( b ) of Title 15. As of today, I have not received a response from your office. According to the
Fair Credit Reporting Act, you were obligated to respond within 30 days of receiving my letter. Your failure to respond within this timeframe implies that you may lack the necessary procedures to verify the accuracy of the late payments reported. 
Given the absence of a response, I request that you promptly remove the late payments from my account and update my consumer report with the credit reporting agencies ( Equifax, XXXX, and XXXX ) to reflect this correction. The negative marks on my credit report are adversely affecting my financial standing, and I urge you to address this matter with the urgency it deserves. 
Please confirm in writing that the requested corrections have been made and that my account has been updated to reflect a positive status. You may forward any updates and responses to the address listed above. 
Thank you for your attention to this matter. I look forward to a prompt and positive resolution. 
Sincerely, 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

Attempting to apply for a credit card. 

Called XXXX and requested a temporary lift of the freeze. Gave them personal info and pin #. They complied in less than 5 minutes.

But when I called Equifax, after 20 minutes of giving the person a lot of info no one else could have, and our Equifax freeze pin #, the person said that I still had to fax or mail copies of 3 pieces of identification to them before they would lift the freeze temporarily. 

I suspect something is wrong. Is this person trying to use my info to get credit or sell my info to someone to use during the lifted freeze period? 

It certainly is suspicious for the credit bureau to request from customers such a difficult and lengthy process just to temporarily lift a credit freeze. Especially when I gave XXXX at Equifax more personal info than XXXX needed, to verify my identity that no one could know besides me.
Product: Mortgage

I have been with Amerihome Mortgage since closing in XX/XX/2018. Currently, I'm enrolled in a program to pay my mortgage bi-weekly. We recently changed bank accounts which required me to update my account information with Amerihome. I contacted Amerihome by phone and email. I emailed in a new drafting form 10 days before my payment was due. Amerihome failed to update my information timely, which resulted in an attempted draft on my closed account. I contacted Amerihome by phone numerous times and not a single person was able to assist at getting my information changed. I finally mailed in the same form with a check for the amount that was returned from my closed account. 10 days later, they have yet to process my payment nor my new drafting form. I have called in numerous times and nobody is ever able to assist or offer a solution to solving the problem. This company is a nightmare at trying to handle the smallest issues of simply making a payment. I am now concerned by their lack of timely action that they may attempt to report a late payment on my credit report.
Product: Credit reporting

We filed Bankruptcy in XXXX of 2010. XXXX XXXX XXXX and XXXX both are erroneously reporting mortgage lates after that date. These were recently reported on all XXXX bureaus and have dropped our credit scores. We have been working to recover from a very difficult time 6 years ago and seems like they just want to keep us down.
Product: Checking or savings account

On XXXX XXXX I went to Wells Fargo ATM XXXX At XXXX XXXX XXXX XXXX ga XXXX and made a cash deposit of {$8700.00}. For Some reason, the atm took all the cash. I tried to cancel the transaction, but the atm wasn't allowing me to get my money back. It was late at night and the was a line of cars behind me which caused me to be anxious and patiently wait to make sure the money wasn't going to come out of the atm. I Called Wells Fargo as soon as I drove off to let them know what happened and they said they're going to investigate. In the car with me was my husband and my mother, I received a letter in the mail that after the investigation, the amount I supposedly deposit was {$4400.00} which is false. I don't seem to understand how the atm took an additional {$4200.00} and it not be in the atm or counted correctly. Normally with cash in the atm they go based on ATM being out of balance. So if ATM was out of balance only $ 4k thats probably why they only did that credit. The banks and atm have cameras they could possibly check the cameras because I'm missing half of the money that I deposited. Investigation was closed without them telling me what they did or use to complete the investigation. I Called them and they said the case was close they couldn't re-open those type of cases. So I submitted a complaint with the line of executive waiting on them. 
Today on XX/XX/XXXX they're going to deduct from my account {$4200.00} provided to me earlier on XX/XX/2022 to complete the {$8700.00} that I deposited I would like a further investigation to be done and the refund of my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XX/XX/XXXX, my check was garnished from an unknown source. I went to HR to inquire about the deduction. I was advised it was court ordered. HR provided me with a copy of the court order. I called the number on the court order to inquire about the garnishment. I was advised it was for a XXXX credit card and the amount owed was {$3800.00}. I was also advised that the account was opened on XX/XX/XXXX. I never owed a credit card. Please assist.
Product: Debt collection

Rentdebt Automated Collections placed an account on my credit report without sending a 30 day notice. When I asked them to remove this from my credit report they refuse to and never sent anything about the debt. They have not returned any of my calls that I have made to their office.