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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verif these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removea and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To whom it may concern, XXXX/XXXX  says i have a late fee on my account i have called up the company and they said there is and will be no late fee 's on my account. That would be removed from all credit agencies but never was.
Product: Debt collection

IAW 15 USC 1692 I sent a Notice and Demand to Validate Debt Claim to LVNV Funding LLC. I also filed a claim with XXXX. LVNV Funding LLC did NOT respond back within 30 days with the required information to validate that an actual debt exists. They did receive the notice and signed for it via Certified Mail.
Product: Checking or savings account

XXXX closed and Apex handles the funds. I have two accounts and want to close them.
Product: Debt collection

I called the depth collecting agency and they said that it was n't active because it was n't me after all.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts that appear on my credit report do not belong to me, do not belong to me, please check them, they are hurting me. 

dentity Theft XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft 10 NEW YORK XXXX XXXX XXXX Account Number : XXXX This is not mine
Product: Debt collection

Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXXXXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement each month I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors ( The payment includes the total Credit Debt $ + Lower interest rate ). 

I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying 600 $ + to this company every month from XXXX/XXXX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved.
( Reference Link - https : XXXX ) For all this time as the company " XXXX XXXX XXXXXXXX XXXX never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made. 

I want Creditors/Banks and credit bureaus to consider my case and remove all the derogatory statuses from my credit report that got reported from XXXX/XXXX/XXXX. 

I also want my money back that I paid to this company " XXXX XXXX XXXXXXXX ''. I also want XXXX XXXX XXXXXXXX to clear off the debt as promised and also compensate me with some $ for all the damage happened to me. 

I am a credit cards fraud victim now. I want to be compensated and also want to be part of this case as a victim. I have no further updates on this case. I am not sure if I am already part of this case. If no, I want to be part of this case. 
https : XXXX If I am required to pay the debt to creditors, I want to wait till the final hearing of the case. I also need the Banks to provide me enough time to pay the debt off considering the total debt/total credit cards. 
I also request the Creditors/Banks to take off all the interest, fees and fines added on and after XXXX. 


DISCOVER CREDIT CARD
Product: Credit reporting or other personal consumer reports

I have had a credit card open with XXXX XXXX XXXX for XXXX years. It has been on auto pay from my checking account since day XXXX, and has been paid on time and in full every month for XXXX years. This past year they turned auto pay off without my knowledge or consent making the XXXX 2024 payment late as well as XXXX 2024. I discovered it mid XXXX and contacted them. It's made my XXXX XXXX go from XXXX points to XXXX points. I have worked very hard to get my score up to XXXX points. They are refusing to contact the credit reporting companies and change their reporting to them. I have proof it has alway been on auto pay as well as all my statements. I have spent XXXX XXXX hours on the phone with them and XXXX hours in the local bank branch. The can't explain why the auto pay was turned off and said sometime the system will bump you off. They have my phone number, email address and physical home address and never contacted me about turning off auto pay or that the card was not paid and late in payment.
Product: Credit card

In late XXXX early XXXX I had noticed that there had been a large amount of spending on XXXX on my chase card.. So i confronted my girlfriend who is an authorized user and she denied the spending. We looked at her XXXX account together and found that all her charges were on our joint XXXX XXXXXXXX account, everything was legit. However none of the charges on our chase card lined up with anything on her XXXX card. So I contacted chase bank. I disputed all of the charges on my chase credit card that were from XXXX and they credited the account and opened an investigation. a few weeks later they had charged back all of the credits and sent a letter stating that i was responsible. I got back on the phone with them and asked how they came to this conclusion. they stated that they had got a document from XXXX showing that my card had been used and that shows i was responsible. i asked where these items were being shipped to and they stated an address on XXXX XXXX in XXXX XXXX florida. we have never had any association with anyone there nor would have sent anything to an address in that area for any reason. i asked to speak to a supervisor and i asked him how could they do a actual investigation and come up with my being liable when no one has even bothered to reach out to me asking if this address had anything to do with me. he said that because there are so many charges over a long period of time it looks suspicious on my end and that proving otherwise would be a challenge. he agreed to open up the investigation again and look into this, a week later i got the same answer. i am liable for all these charges. he said i would need to get with XXXX for any further help. I will agree that i made the mistake of paying my chase credit card bill every month without verifying that the charges were all legit. my issue is that the charges are all relatively small however they added up to around XXXX XXXX dollars in a 9 month span. i pay my credit card every month and thought it was my girlfriends regular spending. after confronting her about it is when i found out these were all unauthorized charges. Chase bank has told me that there isnt anything they can do about it after the investigation. 

I have an XXXX account and so does my girlfriend. the card in question is not associated on either of our accounts. I can prove that. The charges on the card all have items shipped to an address in XXXX XXXX florida, i have nothing to do with that address. these are clearly fraudulent charges on my card. but chase is telling me i am stuck footing the bill for these because they can't prove that these are not fraud.
Product: Debt collection

I don't recall having a contractual relationship with this collection company MIDLAND CRED. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Checking or savings account

chase bank not giving my money back from closed accounts. I have XXXX in checking and XXXX in saving. I has a appointment then on our way for the appointment they canceled the appointment, the refused to talk to me.
Product: Vehicle loan or lease

I have been for weeks asking assistance due to the hurricane Irma so that one of my payments can be placed at the end of the lease and after having multiple conversations with several representatives of XXXX XXXX, I have arrived to the conclusion that they have made fun of me. They told me that they had already submitted the request for the approval of such assistance, days later on some other conversations I was told that the assistance had already been approved and that there was nothing to be worried about because all was current and in order with the account. Yesterday, I got a letter from XXXX XXXX reflecting still a due amount not corresponding to the supposedly new approved schedule of payments and today I called them out and was told that the request for assistance with one payment at the end of the lease due to special circumstances of hurricane Irma had never been created nor submitted. This is a total lack of respect to consumers which is by the way a pattern with XXXX XXXX due to the their abusive and predatory practices on a regular basis plus the excessive charges and fees that they charge to their costumers constantly.
Product: Credit reporting or other personal consumer reports

Experian and 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 unresolved. Due to the recent lawsuit against these credit reporting bureaus alleging systemic 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. Experian and XXXX has neither corrected nor removed disputed items despite evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint regarding Experian, XXXX, and XXXX, related to an inaccurate late payment on my credit report for my credit card account ending in XXXX. As the account holder, I have disputed this erroneous entry directly with each bureau, citing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), yet I have received no adequate response or corrective action from any of the bureaus. 

Details of Dispute and Violations The presence of an incorrect late payment on my credit report is damaging to my credit profile and financial standing. Despite my consistent payment history, the bureaus have reported a late payment in error. I have demanded verification and correction per my rights, but each bureau has failed to comply. 

According to FCRA 611 ( 15 U.S.C. 1681i ), consumers are entitled to a prompt and thorough reinvestigation of disputed information. The continued reporting of this inaccurate late payment suggests the bureaus are not adhering to FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates the maintenance of maximum possible accuracy. This inaccurate reporting has persisted despite my dispute and request for correction.

Furthermore, FDCPA 807 ( 15 U.S.C. 1692e ) prohibits the dissemination of false or misleading information in the collection and reporting of debts. The failure of the bureaus to remove this inaccurate late payment is not only misleading but violates my rights under FCRA 623 ( a ) ( 1 ) ( A ), which requires that information furnished to the bureaus is accurate.

Request for CFPB Action Due to the lack of response from the credit bureaus, I am requesting the CFPB to : 1. Initiate an Investigation : Conduct an independent investigation into Experian, XXXX, and XXXX compliance with FCRA and FDCPA regarding the erroneous late payment on my report. 
2. Demand Documentation : Require that each credit bureau provide full documentation of their investigation, including the method of investigation and any records used to validate the late payment on my account.

3. Ensure Correction and Compliance : Insist that Experian, XXXX, and XXXX remove the inaccurate late payment from my credit report, update my account to reflect on-time payments, and provide me with an updated copy of my credit report to confirm the correction. 

Failure to uphold FCRA and FDCPA obligations harms consumers and erodes trust in the credit reporting system. I am counting on the CFPBs commitment to consumer protection to ensure these credit bureaus comply with federal standards of accuracy and accountability. 

Thank you for your attention to this matter. I look forward to a prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I do have a current contract with the company, FlexShopper, that requires weekly payments. They call on a daily basis, upwards of 10 times per day. They leave automated voicemails and text repeatedly. The debt is not in question, but this is bordering on harassment at this point. Last communication was today XX/XX/23 via text message.
Product: Debt collection

Dear CFPB, I am writing to file a complaint against XXXX, XXXX, and XXXX regarding inaccurate and illegal reporting on my credit reports. 

The account in question is XXXXXXXX XXXX Account # XXXX. The inaccuracies are as follows : XXXX is reporting this collection as an " Open '' account, while XXXX is reporting it as " Closed. '' The last activity date for this account is reported differently across the three credit bureaus : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 

XXXX has not marked this account as " Disputed '' by the consumer, while both XXXX and XXXX have done so as of XX/XX/XXXX. 

Additionally, this account appears to be a case of debt parking, where a debt is reported to credit bureaus without prior notification to the consumer. Debt parking is a deceptive practice that is illegal under the Fair Debt Collection Practices Act ( FDCPA ), as it damages consumers ' credit reports without proper verification or notice. 

I mailed this dispute to all three credit bureaus on XX/XX/XXXX. 

I request that the CFPB investigate these inaccuracies and the illegal practice of debt parking by the credit reporting agencies. This account should be removed from my credit report for these actions have negatively impacted my credit score and financial well-being. 

Thank you for your attention to this matter. 

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

Hello, I have been trying to contact all three credit bureaus to get the XXXX and XXXX  alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Product: Credit card

Macy 's did not ever notify me that Citi Bank was taking over management of their credit card. Had I known Citi Bank was managing the card I would have stopped using it and made arrangements to close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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

The credit Bureaus never did a proper investigation according to the FCRA The Term investigation consumer report means a consumer report or portion thereof in which information on a consumers characteristics or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 
Also, they have violated my right even more In accordance with the Fair Credit Reporting Everything has to be 100 % Accurate on my credit report. 

The Credit Bureaus stated account # was properly investigated but how is that possible if the address on file is inaccurate, place of employment. This ground for removal, They have violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX 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 forward to your response.
Product: Bank account or service

I have recently been informed that there is negative information reported by CITIBANK, CALIFORNIA in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing an " ACCOUNT ABUSE - CHARGE-OFF amount of {$1100.00} '' on XXXX/XXXX/2015 ''. 
I am unaware of ever having an " ACCOUNT ABUSE - CHARGE-OFF amount of {$1100.00} '' from this bank. I have several accounts including credit card accounts with CITIBANK that are in good standing and I 've banked with them over XXXX years.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding significant inaccuracies in the reporting of my account originally held by XXXX  XXXX XXXX XXXX supposedly created on XX/XX/year>, which was subsequently sold to XXXX XXXX. These reporting issues violate several provisions of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), which have caused financial and emotional harm. Based on these violations, I am requesting deletion of the account from my credit reports with XXXX and Equifax, release from liability, and {$1000.00} per violation as outlined below. 

Violations and Reporting Issues : Incorrect Account Number : XXXX and Equifax report this account as XXXX instead of the contracts actual account number, XXXX, violating FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). 

Incorrect Furnisher Information : The account was sold to XXXX XXXX, yet it is still listed as owned by XXXX  XXXX XXXX XXXX. This misrepresentation violates FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ), which requires accurate furnishing of account ownership.

Inaccurate Balance Reporting : The balance is incorrectly reported as {$1200.00}, omitting {$0.00}. FCRA mandates accurate reporting of credit information, and this error directly violates 15 U.S.C. 1681s-2 ( a ) ( 1 ).

Misreported Payment Schedule : The agreement reflects monthly payments of {$88.00} over 18 months, which does not total the amount stated of {$1600.00}. This miscalculation and failure to accurately report the payment terms impacts my creditworthiness and financial profile, violating TILA ( 15 U.S.C. 1638 ( a ) ( 5 ) and ( a ) ( 6 ) ).

Inadequate Disclosure of E-Signature : My rights regarding electronic signatures were not disclosed as required by the E-SIGN Act ( 15 U.S.C. 7001 ( c ) ). Given this lack of disclosure, the e-signature could have been completed by anyone, further invalidating the contract terms.

Failure to Provide Accurate Information Despite Disputes : I previously disputed these inaccuracies, yet XXXX and Equifax failed to conduct a reasonable investigation or correct the errors, which violates FCRA ( 15 U.S.C. 1681i ). The persistence of these inaccuracies has negatively impacted my credit score and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to make my final payment to XXXX XXXX in at the end of XXXX and as of today XX/XX/2021 they still haven't updated my credit report as paid in full. I've made several calls to XXXX and I think this is an issue as it is not reflecting correctly on my credit reports therefore affecting my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX APT XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX