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

In XXXX of XXXX I closed out an account with XXXX XXXX XXXX acct # XXXX  that was considered PAID IN FULL but has continously posted in accurate stating I made a payment in XX/XX/XXXX also posting several late payments when in fact it was closed and PAID IN FULL XXXX XXXX. This needs to be corrected with NO late payments or removed from my crefit profile. 
As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted EXPERIAN or XXXX XXXX XXXX such authority.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies my credit report. Despite my submissions, Equifax consistently response within 24 hours stating the account is accurate without providing any evidence of the thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifax actions may also contravene the Customer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations I request that the CFPB take action to ensure equal face complies with federal law and provide customers with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian 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 generally, 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 ( i ) 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

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 XXXX XXXX XXXX. 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/updated. 

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

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!
Product: Credit reporting or other personal consumer reports

I disputed a debt that isnt mine. i asked this company to validate the debt and send me all information they have so I can get to the bottom of this.. 

They claimed the debt was verified, which it wasnt because its not mine and sent me nothing. This isnt an accurate investigation. 


They then reaged the debt to pressure me which is illegal..they flagged my credit over 120 days late for the last 4 months resulting in a XXXX point declined on my Fico score because I disputed the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I replied for a auto loan and I was denied. This made me take a look at my credit report and I must say after reviewing it I am disgusted! I work my butt off every day I have always been good with my money and never have I ever opened any accounts and not paid them off on time. The items that I highlighted in these letters are not my accounts and I demand that you remove these items immediately or I will seek litigation ASAP Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 

Also Attached is a copy of FCRA and FDCPA book full of violations that are highlighted.
Product: Mortgage

My trial loan modification was approved in XX/XX/XXXX with the first trial payment due XX/XX/XXXXand if completed satisfactorily by making 3 months ' payments on time, would convert to a permanent modification in XX/XX/XXXX. I completed all payments on time and have continued to make on-time payments however to date, I have not received my permanent modification agreement! As well, despite my on-time monthly payments, the servicer is continuing to negatively report delinquency on my credit. I have contacted the servicer repeatedly and get a different answer each time varying from, " we have not received investor approval as of yet on your modification agreement and are working on that '' to the most recent answer of " we are having an internal issue with our servicing system and are working to resolve this issue. '' Per regulation, they had 30 days to provide me my permanent modification agreement and it has been over 120 days. Please help as I am not getting any resolution from the servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against Equifax, XXXX and XXXX because they are not complying with their own policies in a timely manner. I sent my dispute letters to them over 30 days ago and I have not received a response from Equifax, XXXX, and XXXX. The inaccurate marks on my credit report are hindering me from buying a home and I am not getting any assistance in fixing inaccurate information.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received the XXXX, XXXX or XXXX bill for a charge I did not incur. Despite several calls to the XXXX XXXX XXXX First National Bank of Omaha XXXX XXXX  ( XXXX XXXX ), and was told they would look into it and despite the fact there have been others on my account that were bogus and were cleared up, this one was not. The reason they gave for the denial is that I elected to participate in an initial trial offer and did not cancel. Total XXXX. I never heard of the company XXXX XXXX XXXX XXXX My research on this company showed that this company was a scam and other XXXX holders experienced the same outcome. Since my association with XXXX was XXXX of several charges to my account that I never made and were resolved satisfactorily, I dont understand this. As a result I cancelled my card. When these scam amounts were resolved, I would receive a new M card and sure enough bogus charges would appear. The amount I was charged was {$95.00}. After I was told they would look into it a {$30.00} fee was added to the. Talk about fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging the information with creditor indigo this creditor has several inaccurate information this is an unverified account. unverified items i have also challenged this creditor the high balance doesn't match XXXX shows {$670.00} others are blank last verified is missing for two bureaus XXXX shows XX/XX/XXXX date of last activity doesn't match XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XXXX date reported is doesn't match XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX closed date XXXX shows XX/XX/XXXX others are blank why are the not showing the same two year payment history XXXX shows nothing Experian is reporting and XXXX is not
Product: Credit reporting, credit repair services, or other personal consumer reports

Sharing without concent :

In accordance with the Fair Credit Reporting Act the following list of accounts below has violated my federally protected consumer rights of privacy and confidentiality : 15-U.S.C 1681 Sec. 602 A : States that I have a right to my privacy. 15-U.S.C 1681 Sec. 604 A : States that a consumer reporting agency can not furnish a account without my expressed written instructions. ( 3 separate accounts ) f
rom XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I bought an outfit online from XXXX XXXX for {$100.00} with my Wells Fargo visa on XX/XX/year>. The item was a special purchase for an upcoming trip but according to the merchants website, the shipping dates would work out just fine. As I tracked the shipping and saw that the item was seemingly lost I requested the merchant, XXXX XXXX refund my money as the item was never delivered to me. This merchant has no customer service phone number and does not answer emails over the weekend or hardly ever. They also tout an online chat service which no one monitors regularly, or at least not in my experience. As I mentioned, communication with the boutique was very challenging, so I eventually went to my bank and requested they withhold funds as I did not receive the item I had purchased, so that initiated a claim investigation, which was shotty at best. I have had to regularly follow up with this stupid boutique and Wells Fargo to try to find out what the delay is and they now throw in there that it has to take 75 days because of visas timeline. I requested that Wells Fargo provide me with what they have done in the investigation and that they review additional items and emails that have transpired since their initial claim was filed. Not XXXX time did anyone ever contact me. This should take no more than XXXX to XXXX hours to resolve.
Product: Debt collection

RE : XXXX XXXX XXXX XXXX Account # : XXXX To Whom It May Concern : This is a request for deletion of a disputed item. I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting the collection agency do what is legally mandated by the FCRA and FDCPA, and delete the following account listing : XXXX XXXX XXXX XXXX Account # : XXXX I previously sent a demand for validation from me and they have failed to provide any proof or respond in any way. I sent a second letter. Again, I have received no response. I sent yet another letter. Again, I received no response. The FDCPA states that collection activity must cease until they have produced verification of the alleged debt if so requested. 

As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the item as in dispute. Again, this was not done. Another violation of the FDCPA. 

As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. The FCRA also states that the credit reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done. I am requesting that the entry be deleted in its entirety since there is no proof of its existence. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following inaccurate account on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$15000.00} XX/XX/XXXX Experian : XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX {$640.00} XX/XX/XXXX XXXX : XXXX Account Number : XXXX {$15000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN WITH XXXX XXXX SINCE XXXX AND HAVE ALWAYS PAID MY BALANCE OFF IN FULL EVERY MONTH AND HAVE A GOOD TRACK RECORD IN XXXX - XXXX. 

WHILE AT THE HOSPITAL, MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND XXXX AND XXXX FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. 

WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. 

I ALERTED XXXX XXXX AND DISCOVER AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. 

AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$1700.00} XXXX  XXXX {$480.00} XXXX {$590.00} XXXX {$620.00} XXXX {$1700.00} XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I have several accounts on my credit report specifically with Experian that are being reported without my permission. I have made multiple requests, and Experian has not deleted/removed these accounts. The details are as follows : Under 15 U.S. Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) 15 U.S.C. 1681b 15 U.S.C. 1681i ( 7 ) these accounts are in violation of not reporting 100 % accurate : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$260.00} XXXX XXXX XXXX, XXXX  Date Opened : XX/XX/XXXX balance : {$590.00} XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX  XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX XXXX XXXX / XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. For the past seven months, I have asked for proof of verification along with the original contract with my signature that validates these accounts, as required by law. Neither Experian nor the creditors have provided these documents, surpassing the 30-day legal requirement for such validation. This constitutes a violation of my consumer rights. I request Experian to either present the original contracts validating these accounts or initiate a reinvestigation, compelling the creditors to provide the required documentation. This is a legal mandate, and the accounts should have been deleted/removed by now. Given the extended time frame, no dispute or investigation is deemed complete unless the original contract with my signed signature is presented by either the creditor or the credit bureau. I demand that these accounts be removed/deleted or verified immediately to rectify this clear violation of my rights.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have a right to privacy. U.S.C C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore I am NOT liable for this alleged debt with XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE NOR EVER HAD A CONTRACT WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me with the original contract, as I requested several times. THANK YOU!
Product: Checking or savings account

XX/XX/2021 Dear CFPB, In its response of XX/XX/2021, a copy of which is attached, to my previous complaint to you, Ally Bank has provided some misleading and inaccurate information. 

Ally Bank has not addressed the issue that I reported and provided a response to my CFPB complaint that was misleading. The representative who responded to my inquiry provided factually false facts and manipulated the numbers to justify the limits on the payments that I can send using the company service : 1. As an example, the Ally Bank representative stated the following : " on XX/XX/2021, you have scheduled XXXX payments in the amounts of {$1.00}, {$650.00}, and {$1000.00} to be sent on XX/XX/2021 '' The truth is that I scheduled the above mentioned payments months in advance, not on XX/XX/2021 and I scheduled them to be delivered on XX/XX/2021 and not on XX/XX/2021. 

2. Ally Bank listed on its website {$5000.00} DAILY limit for XXXX payments, which, unless Ally Bank 's intention was to mislead the customers, means the limit is reduced for a single day, which can explain why my limit for payments to be set on XX/XX/2021 was reduced to {$3300.00}, but it did not and would not explain why my payments on other days on, which I had scheduled no payments would be reduced to {$3300.00}. 

The screenshot that I had provided in my original complaint documented the limit of {$3300.00} for payments on XX/XX/2021, the date for which I had not scheduled any payments. I clearly stated that date in my complaint and it is not clear to me why the Ally representative overlooked that fact and decided not to respond to the issue that I reported. 

After reviewing Ally Banks response of XX/XX/2021 I went ahead and attempted to schedule another payment on XX/XX/2021 using Ally Banks XXXX service. I believe that Ally Bank should have sufficient time to investigate my new complaint prior to XX/XX/2021 and clarify why the published limits for XXXX payments listed on Ally Banks website today do not reflect the reality. 

The attached screenshots show that I am trying to schedule a payment to be sent on XX/XX/2021 and that the limit for the payment is {$2300.00} while the daily limit shown is {$5000.00} and the 30-day limit shown is {$10000.00}. I have no payments scheduled for the day of XX/XX/2021 and my other scheduled payments within a 30 day window of XX/XX/2021 are totaling less than {$2600.00} for XX/XX/2021 and less than {$2600.00} for XX/XX/2021. In addition to that, my total payment activity in the last 30 days using XXXX service was less than {$2600.00}. 

I would appreciate that Ally Bank provides an explanation how it arrived to the figure of {$2300.00} for the payment limits for XX/XX/2021 and how that calculation corresponds to the advertisements of the service made to consumers. 

As before, I request that Ally Bank should stop providing misleading information to consumers and the CFPB and brings its documentation and its advertisements of the XXXX payment service in line with the actual limitations it imposes on customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  | Account # XXXX | Balance : {$330.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 XXXX XXXX XXXX | Account # XXXX Balance : {$690.00} | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # # 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 XXXX XXXX | Account # XXXX | Balance : {$290.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 XXXX XXXX XXXX | Account # XXXX | Balance : {$730.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 XXXX XXXX | Account # XXXX | Balance : {$340.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # # 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