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

This account was added to my credit report in 2019. I Went to the police got a police report, Ive contacted XXXX to get the situation resolved, Ive sent the police report to Experian, XXXX XXXX XXXX. It was taken off each credit bureau except for Experian. For over a year Ive sent in multiple police reports, FTC reports, dispute letters and affidavits they are refusing to remove this unauthorized account from my credit report. The account is showing closed but has a passed due balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I attempted to resolve this issue via the CFPB & as a result of that the company responded with my filing a dispute again Directly with the credit bureau, Equifax. Upon filing my last complaint the company disregarded fair practices by quickly responded resolving my issue on here the same day they received it, instead of doing the proper investigation which is required. But in their response they indicated that they would be following up with a dispute thru them. it has again been over 30 days since last speaking with someone from this credit bureau or hearing an resolution on my dispute in regards to the inaccurate and unverifiable information currently contained in my credit report. Time after time upon request Ive yet to be presented with valid copies of evidence to support their inaccurate reporting. At this time I am seeking to reopen this investigation into this credit bureaus bad practices one last attempt before pursuing legal action against them for the violations of my consumer rights under the FCRA & FDCPA.

I was taken advantage of due to Malpractice by this credit reporting agency while several laws were being broken under the FCRA by this company. This has called me financial injury, defamation of character due to their willful non-compliance. I have been denied credit from multiple lenders, I can not get a Job & have not been able to qualify for a SBA Loan due to the coronavirus pandemic because of my credit.
Product: Credit card or prepaid card

I have a credit from chase@XXXX limit issued from XXXX to XXXX. went to use card but card was expried, with out me being aware of it. chase knowing about this did not send me a knewn card. made all my payments on time. talk WITH DIFFERRNT MANGERs .They ask me could they do anthigng for for me. I told them to to give an increase XXXX to XXXX XXXX. everytime I talk with a different manger they would pull my credit. denied me increase, to a good paying consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XX/XX/XXXX  I filed a complaint with  XXXX  and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please del ete inaccurate.    2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :   XXXX    6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}
Product: Student loan

I called the Fed Loan Services to find out about Forbearance with parent plus loans. I was told to send in {$600.00} in order for someone to help me. 
This was after I gave all my personal information and received a run around from XXXX from XXXX different people there.
Product: Checking or savings account

USAA Federal Savings Bank, and USAA XXXX XXXX XXXX have frozen my investment account, Roth IRA, checking account, and savings account. There is no legal judgment against me, and USAA has not explained their actions. 

I receive my XXXX XXXX check electronically deposited into my savings account, which they have frozen.
Product: Credit reporting or other personal consumer reports

In the year XXXX, I received a 1099 from XXXX  XXXX XXXX in the amount of {$3900.00}. ( See attachment below ). 

In the year XXXX, I also received another 1099 from XXXX  XXXX XXXX in the amount of XXXX. ( See attachment below ). 

I have paid taxes on these INCOME ( s ). Therefore, this was not a " charge-off, '' but actually INCOME since I received 1099 's for them AND i paid taxes on those income ( s ). Accordingly, by law, this should be removed from my credit report.
Product: Debt collection

Collection agency is reporting collection on my credit report for medical bill from XXXX looks like from XXXX ca. I was not living in XXXX, CA in XXXX 1st time I moved to XXXX was in XXXX, XXXX XXXX.. Prior to that I was living in Wyoming with my family. so my self or my family would not have gotten medical treatment in XXXX, CA. 
1st delinquency date is XX/XX/XXXX. i did not receive any communications from XXXX XXXX XXXX to my address in Wyoming. or after moving to California in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is incorrectly reporting this account. The account has been paid in full and accepted by XXXX. This account needs to be updated to reflect paid in full to reflect accurate reporting.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I got a copy of my credit report and noticed that there was some accounts listed fraudulently and inaccurately. I have notified the consumer reporting agencies to start an investigation because these accounts do not belong to me. I never received a response and that is a violation of the FCRA and FDCPA. I have never conducted business with these companies nor have I ever entered into a consumer contract and I believe that the furnishing of these accounts violates my rights as a consumer. These are the accounts I am referring to : XXXX XXXX XXXX XXXX Also I was never late on this account XXXX  XXXX so I should not have any late payments reflecting on my report. I have provided screenshots of the XXXX account being deleted from all 3 reporting agencies and somehow is was placed back on without my knowledge. I have also included my FTC complaint along with my Identification to support my claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Request for Verification and Removal of Incorrect Information Dear Sir/Madam, I am writing to dispute the following information in my file. I have reviewed my credit report and found several items that I believe are incorrect. Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, I am requesting that you verify these items through the physical verification of the original signed consumer contracts. If you are unable to verify these accounts, they must be removed from my credit report.

Please find below the accounts I am disputing : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the accounts listed above. Your failure to positively verify these accounts has negatively affected my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed, and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed above immediately. 
Please conduct a thorough investigation of these matters and remove the disputed items from my credit report. I have attached a copy of my credit report with the items circled, as well as a copy of my photo ID and a utility bill for verification purposes. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus last XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. Please remove the late payments from my accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I keep receiving emails saying my disputes have been updated view current report, when I view current report or disputes nothing has been corrected everything has remained the same. These disputed accounts need to be taken care of and coded properly, as all information has been received and documented but yet the creditors are not correcting anything. It is affecting and impacting the ability to maintain what happened to my home since this has drastically dropped my score from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This should not be happening if they were coded correctly and should not say potentially negative and charged off. A hurricane is out of my control, and I have no control over what happened. but these creditors are demolishing me when they have the facts in front of them as well as the Agencies.
Product: Debt collection

I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting. 

Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB. 

I disputed this debt in XX/XX/2020 with XXXX , XXXX. and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai. 

MCM Account numbers : XXXX, XXXX, XXXX
Product: Vehicle loan or lease

I Have a used vehicle loan with Banco Popular XXXX XXXX XXXX, Puerto Rico since XX/XX/XXXX. I live with social security income, due to XXXX ( mental health ). I had to pay monthly partial payments due to my low budget. Also, another personal loan with the same financial institution. But since XX/XX/XXXX I was being intimidated with multiple calls, letters, threats with my credit status, ultimatums to SEIZE MY CAR. For months I made countless calls, visit the branch, emails, asking for another options or alternatives ; I begged for refinancing, extended payments or payments plan, vehicle replacement for a cheapest one, even for a loan renewal, neither the COVID-19 Emergency benefit. The bank keeps refusing help me, they just want their money included delay charges or the total balance of the unit for a loan due date of XXXX. Yesterday XX/XX/XXXX, I received another threat letter that I have to pay {$1100.00} in five days, or they seize the unit. I can not deal with this anymore, having XXXX and panic attacks and my mental health deterioration. I tried everything to settle an agreement with the bank but unsuccessfully. I AM BEGGING HELP, PLEASE. 

LEASE HELP, I AM BEGGING YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.
Product: Credit reporting or other personal 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 USC 1681 section 602 A states that I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE.
Product: Mortgage

Company : RoundPoint Mortgage Servicing Corporation XXXX XXXX XXXX XXXX, NC XXXX XXXX Current LTV : 77.9 %. 

Payment History : Current and have never missed a payment from inception. 

PMI still on loan. 

Mortgage Company has refused to comply with automatic termination of PMI on loan. Several reminders -email and phone calls - have been made by homeowner to the mortgage company but they have declined the termination in line with Federal HPA regulation on automatic termination of PMI.
Product: Payday loan, title loan, or personal loan

I received a phone call saying if I did n't give her my debit card number and a payment plan there would be a warrant out for my arrest. She was threatening and very rude. Would not try to work with me on payment arrangements.
Product: Debt collection

XXXX/XXXX XXXX not mine deceased father same name
Product: Credit reporting or other personal consumer reports

I am requesting that it be removed from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and raises serious concerns about consumer safety
Product: Credit card or prepaid card

Checking my Free Annual Credit Report with XXXX I found a XXXXComenity Bank Credit Card opened on my report that I had not opened and was fraudulently in my name. I disputed the report on XXXX and Sent a letter to Comentity Bank. However XXXX did not fix the problem after the dispute.
Product: Credit reporting

XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, IL XXXXThese addresses are in my personal information. I have never lived at either of these addresses.
Product: Debt collection

I have disputed this collection account repeatedly because I am not sure why it shows I owe the apartment complex. I have requested a debt validation letter. I have tried looking the debt up online and have been unsuccessful in even finding anything on this debt. I never received a letter or anything about it prior to it showing on all 3 of my credit reports and still have not received anything. The collection agency keeps removing and adding account back on to my credit report to purposely hurt my credit. I think its unfair that they have never sent me any documentation or information regarding this debt in order for me to validate and try to resolve.
Product: Debt collection

This account was removed and proven to not be mine in XXXX of XXXX and it all of a sudden re-appeared XXXX XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. When I asked for validation AGAIN in XXXX of XXXX, all I received was bills with an address I never lived at, no signatures or anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquires that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against Experian for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am writing to file a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including dispute letters dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies remain unaddressed, violating provisions of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of the Issue : The inaccurate late payment reporting on my XXXX  XXXX account shows discrepancies across all three credit bureaus ( XXXX, Experian, and XXXX ) for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX and Experian ) and XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX ). The repeated failure to correct these errors after my previous disputes demonstrates noncompliance with federal laws designed to protect consumers. 
Violations of Federal Laws : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies are required to investigate disputes and ensure the accuracy of information in consumer files. The failure to correct these inaccuracies violates this provision.

15 U.S.C. 1681b : Only accurate information may be included in credit reports. Reporting incorrect late payments constitutes a breach of this statute.

2. Truth in Lending Act ( TILA ) : 15 U.S.C. 1666b : C
reditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments implies a failure to comply with this requirement.

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The inaccuracies in my account reporting violate the principles of this law.

Account Discrepancies : The account in question has the following discrepancies that remain unresolved : High Balance : Incorrect or inconsistent across credit bureaus. 
Last Verified : Dates do not match across reports.

Last Day of Activity : Reported inconsistently between credit bureaus.

Dispute Status vs. Creditor Remarks : Discrepancies in reported status and remarks.

Evidence of Error : My payment records clearly demonstrate that all payments during the disputed months were made on time. 
Attached are copies of my payment receipts, bank statements, and previous dispute letters sent to Experian. 
Desired Resolution : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Written confirmation of the correction from Experian. 
Failure to address this matter promptly will result in further actions, including additional complaints to relevant agencies and potential legal action. 
Thank you for your attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics. 

I looked at my report 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. I sent a letter asking them to reinvestigate these accounts listed below because. 
INQUIRY - XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX