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

It is my understanding that one late student loan payment can drop your credit score almost 100 points. I had 17 late payments on my two loans, that were errors acknowledged by XXXX. 

On or around XX/XX/XXXX, XXXX submitted a correction to the CRA 's to update my accounts. The following late payments were removed and to be marked as current : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX from each loan. That equals the removal of 16 late payments ; which appear to be reflected on my accounts with each bureau. 

However, my score has not changed at all? My payment history % has improved significantly ... .but my score has not. 

I was expecting to see some increase in my score and was hoping you could provide an explanation as to why there was no change. 

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

I have multiple unauthorized inquires on my credit file. I have attached a copy of my etc report as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX. i wrote to them numerous times and left messages to tell them that the bill had been paid but ultimately they sent the bill to a collection agency. i was forced to pay a bill that i had already paid again so my son 's credit score would not be harmed. respectfully submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The COLLECTION ACCOUNT is not mine. The account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold this account to this collection agency that is now reporting this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. OnXX/XX/2021 - XXXX XXXX , Account Number : XXXX added a derogatory mark on my credit report per Experian. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by Experian has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanism and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Debt collection

I recently received a wage garnishment from midland funding through a default judgement. There are three issues with this action taken by midland funding which causes the filing of this complaint. 1 The debt was not mine, this can be proven with a police report i made back in 2017 that the credit card was being used without my consent. All midland funding statements reflect on my name because i did open that account, but was later used by my ex girlfriend. 2 The debt was charged off as bad debt, profit and loss write off this is reflected prior to the default judgement and reflected in my credit reports I possessand most importantly this is TAX FRAUD. 3 Midland funding knowingly filed documents in superior courts to obtain the default judgement and directed other entities to garnish my wages.
Product: Credit reporting or other personal consumer reports

I am filing this complaint under the fair credit reporting act ( FCRA ) due to the willful noncompliance of the credit bureau and data furniture in properly investigating my disputes, as required under 15 USC 1681i and 15 USC 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation and demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable investigation and have continue to report an accurate information on my credit report. Furthermore, the data furnishers have neglected their legal obligations to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.
Product: Mortgage

This company failed to address my complaint, lied and are non responsive. 
Last complaint XXXX The provided false statements in written form and are trying to extort money from us. 
XXXX is the 'escalations analyst ' that wrote the false statements. The number she provided for contact results in dead end! 

The attachment covers it all!
Product: Mortgage

RE : XXXX XXXX XXXX At the end of XX/XX/XXXX, all of my taxes had been paid off through my mortgage escrow account and there was a surplus of over {$1100.00} remaining in the escrow account. I contacted XXXX XXXX who told me that this escrow surplus would be disbursed in XX/XX/XXXX because that's when my account 's anniversary would be. I called today because I never received an end of year analysis/accounting report of my account which I believe is required by Federal law. XXXX XXXX told me the End of Year statements should be going out soon. While I wait to receive the End of Year statements I need the analysis/accounting report of my account. The customer service rep told me the account analysis/accounting report and the End of Year statement are two different reports. I know I had a surplus amount in my account at the end of XX/XX/XXXX of about {$1100.00} after all taxes were paid and my current escrow account reflects this surplus. It's my understanding that by Federal Law, all surplus money in an escrow account needs to be paid out. I need to know why XXXX XXXX  is holding onto this money and why I never received an analysis/accounting report of my account to see all payments made from the escrow account. I believe this is referred to as the Annual Escrow Account Disclosure Statement. I had called and left messages but no returned calls from XXXX XXXX. The customer service reps at XXXX XXXX  are not all helpful and when they explain things it's very unclear and they provide incorrect information. As I said, the customer service rep I spoke to told me the analysis report and the end of year report are two different reports. When I check my account online through XXXX XXXX 's website, my mortgage payment has already been reduced by {$15.00} for XX/XX/XXXX, but I never received an explanation or notification of a change in mortgage payment. Thank you.
Product: Credit reporting or other personal consumer reports

This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute.

This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute if you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting

If Equifax actually investigated this derogatory collection account and determined that it was mine, they would be obligated to amend the credit file with the supposed Creditor that this account was attributable to. Thereby allowing me to dispute this with the company that is falsely screwing up my credit file. I strongly feel that Equifax did no reinvestigation and just sent the response I am disputing to comply with the regulations from the CFPB. I feel that Equifax is being the bad actor here and I want this removed from my credit file or have the company that it is attributable to to be attached to the record.
Product: Credit card or prepaid card

- Someone appears to have fraudulently applied for and received a Visa credit card in connection with my Fidelity investment account - I discovered this today when I received an account statement in the mail ( physical mail ) addressed to : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX - Note that this is very similar to my address, which is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX- The account number on the fraudulent card is XXXX XXXX XXXX XXXX - I wasn't able to determine exactly when the account was opened, but it was likely in XXXX of XXXX of 2021 - This person appears to have made purchases totaling {$270.00} from XX/XX/2021 and XX/XX/2021 - I have reported this to Fidelity and they are investigating - Fidelity also told me that the email address associated with the fraudulent application is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Help me resolve the incorrect information on my Credit report I did not do any business or transactions with company
Product: Debt collection

Upon review of my credit report, I noticed a collection for Spring Oaks Capital , LLC. It stated the original creditor is XXXX XXXX XXXX XXXX. Being unfamiliar wit this debt, I contacted the collection agency. I also filed a dispute with XXXX XXXX. I hadn't heard anything back, so I contacted both XXXX XXXX and the collection agency. XXXX XXXX representative couldn't offer any information. I called Spring Oaks Capital, and requested a copy of the documents pertaining to the debt. The representative claimed they were sent when I filed the dispute. I never received anything. I requested hey be sent a second time, and I was told by the representative that they " already sent them ''. After continued conversation, she agreed to request they be resent, and I again never received anything. I called back a 3rd time with the request that they send documents with tracking info so I could ensure delivery information. They refused. To date, I still have no documentation or knowledge of this debt, and Spring Oaks Capital has not cooperated in sending them. I am unsure if I am a victim of identity theft or if this is just a scam, but I do know I am entitled to review these alleged documents.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 in those account 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 XXXX days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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, credit repair services, or other personal consumer reports

In 2013 I was in a very bad car accident I was t boned by someone who ran a stop sign. My vehicle was totaled. I had only had it for 1 year. XXXX sent the loan company a check to pay off the vehicles value its been almost 6 years and I am still seeing $ XXXX owed in my report. This was a long legal battle from my accident and the balance wont go away its hurting my credit and affecting me to become a new home owner
Product: Checking or savings account

A XXXX Nevada Wells Fargo ATM on XX/XX/2023 around the time of XXXX I went to deposit roughly {$420.00} and the ATM spit out {$80.00} but took the rest of my money then conveniently crashed without depositing my money and spit out a receipt that said they'd fix the issue in two days meaning I should of had my money Thursday it is currently Friday night I have called all they asked was what was the amount and they didn't even help me it's almost Saturday I have bills to pay this is unacceptable. Please help I also have two witnesses who saw this
Product: Credit reporting or other personal consumer reports

Experian is stalling the dispute process. I recieved a stall letter and when I called to ask why, they gave me push back and said " we do things different. '' I sent in my disputes with ID verification and a cover letter stating who I am, there is no reason for that stall letter to be sent to me. I am unable to dispute online as something is wrong with my account. It is saying my score can not be refreshed and has not been updated since XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. 
XXXX XXXX  account # XXXX have violated my rights. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information in my credit reports for all three credit reporting agencies. The process is not very helpful for consumers as all the credit bureau does is check with the lending company who is reporting the inaccurate information. Specifically after my divorce ( 2014 ) I had numerous accounts that were settled for less than what was owed. In my status field for all settled accounts Experian is reflecting the highest balance ( for life of account ) as the Charge Off amount which is not accurate and negatively impacts credit scores and decisions by lenders. Repeated contacts to creditors and disputes to Experian result in no change to account status.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. Experian XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602 A States I have the right to privacy. 


These addresses, phone numbers and employment history are incorrect on my credit report. 


Names : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Employment History : Boss Republic Self Employed
Product: Debt collection

Inaccurate Information being reported. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am a victim of identity theft.
Product: Vehicle loan or lease

Hello, I paid off my loan with Mercedes Benz Financial since XX/XX/XXXX however, till date I have not received my title. I have reached out to them multiple times most recently on XX/XX/XXXX and was given the same run around including that it was mailed on XX/XX/XXXX. What I received in the mail specifically has a disclaimer in bold letters on top, stating that " THIS IS NOT YOUR TITLE ''. I've consistently brought this to their attention and still no resolution. On my last attempt, the rep indicated that I had to pay to receive my title. This fee was originally included in my payoff quote last year, since I haven't received what I initially paid for, why charge me again? 
In my family, we have a long history of Mercedes Benz ownership, and until recently Mercedes Benz have commoditized it's brand, which has led to extremely low standard, deceptive practice, and poor customer service. This is yet another horrific experience. I simply want to be done with this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I went into a Citizens Bank branch on XXXX XXXX and XXXX to close my checking account. I also had a line of credit open that my checking was auto paying. 

Before closing my account, the teller said they needed to move money over to my credit to zero out the balance and to come back a week later to close out after that was completed. 

I took a XXXX withdrawal ( leaving enough to pay off line of credit ), signed the funds transfer paperwork and left. 

About two weeks later ( believe XX/XX/XXXX ), I came back into the branch, verified my credit accounts were closed and took the remaining balance from checking and closed account, signing paperwork. 

In XXXX, I noticed my lines of credit were drastically decreasing and being closed at other banks ( for no apparent reason ). When I looked into it, Citizens Bank had filed a major delinquency report on me because they said my line of credit was still open. 

With this knowledge, they had never called, sent a letter, texted or communicated with me in any way. I checked my online account and it showed XXXX balance. When I called, the credit department said to pay it off. The XXXX office said theyd have a letter written to me in 30 days. This has to be some type of Reg E violation. 

My credit has dropped over XXXX points due to this ( false reporting > reduced credit score > lines of credit decreased > utilization rates up XXXX continued decrease in score, etc ). 

Citizens has not looked for ways to help and is leaving me in a perilous financial situation with resolution being a letter in 30 days.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolve. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.these failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disrupted accounts as XXXX inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, 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. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX has violated my rights. 

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.
Product: Credit reporting

I requested my report from Experian using XXXX. They requested verification of identity. I was surprised since I had provided proof of identity when I last request an annual report from Experian in 2013, and my address has n't changed since. Nevertheless, I printed the request form and attached copies of my driver 's license and a recent bank statement with my address. 3 weeks later I have received a letter stating that Experian is unable to honor my request because the information I provided was either insufficient or illegible. Experian provides no way of disputing that assessment or providing further information - only of purchasing their products. I believe that Experian is deliberately and systematically raising barriers for people wishing to obtain free credit reports in order to promote their paid products by making them comparatively hassle-free. Dealing with Experian is dramatically more frustrating than either XXXX or XXXX. I believe the CFPB should crack down on Experian 's abuses to protect all the consumers that give in rather than deal with all the aggravation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 no consent is fraud.