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

To Whom It May Concern, I am submitting this complaint due to multiple unauthorized, inaccurate, and unfairly reported items on my credit report, which are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). These errors are severely impacting my creditworthiness and financial opportunities. 
XXXX. Unauthorized Hard Inquiries The following hard inquiries were made on my credit report without my consent or a permissible purpose under 15 U.S. Code 1681b, negatively affecting my credit score : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries should be removed immediately, as they do not comply with the legal requirements for permissible purposes. 
XXXX. Inaccurate Collection Account A collection account has appeared on my credit report without my authorization or consent. Under 15 U.S. Code 1681s-2 ( a ), data furnishers must ensure the accuracy of the information they report. The following account must be removed : XXXX XXXX XXXX ( Account : XXXX ) Reported on XX/XX/XXXX Balance : {$1800.00} XXXX. Closed Account with Unfair Late Payment Marks The following closed account contains late payment marks that unfairly harm my credit profile and do not meet reporting standards under 15 U.S. Code 1681b and XXXX : XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : **** ) Balance : {$2700.00} Opened : XX/XX/XXXX These late payment marks must be removed to ensure compliance with federal law and fair reporting standards. 
XXXX. Experians Inaccurate and XXXX XXXX XXXX Experian is incorrectly reporting the following inaccuracies, which violate both the FCRA and XXXX : Late Payments on Mortgage Account : My credit report reflects late payments for XXXX, XXXX, and XX/XX/XXXX on my mortgage with XXXX XXXX XXXX ( Account : XXXX ). However, billing statements were not provided at least 21 days before the due date, violating 15 U.S. Code 1666b. 
Impossible Credit Utilization Rate : My report displays an inaccurate credit utilization of 415 %, which is a mathematical error and a clear violation of 15 U.S. Code 1681e ( b ) ( Maximum Possible Accuracy Rule ). 
These inaccuracies have significantly harmed my credit score and have limited my ability to secure fair financing. I have already disputed these errors with Experian, yet no corrective action has been taken. 
Request for Immediate Investigation and Correction I request the immediate investigation and removal of these inaccurate items from my credit report. These errors violate federal law, and their continued presence is unjustly damaging my credit profile. Attached, I have included supporting documentation, including my FTC identity theft report ( ( FTC Report Number : XXXX / XXXX ), to substantiate my claims. 
I trust that the Consumer Financial Protection Bureau ( CFPB ) will intervene to ensure that these violations are promptly addressed and that Experian, as well as the involved data furnishers, comply with the FCRA and XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts I have marked as inaccurate : XXXX XXXX- Account number : XXXX ( {$1100.00} ) XXXX XXXX XXXX- Account number : XXXX ( {$490.00} ) XXXX XXXX XXXX Account number : XXXX ( {$750.00} ) XXXX XXXX XXXX- Account number : XXXX ( {$2500.00} )
Product: Checking or savings account

On XX/XX/XXXX I systematically send ( I send this via ACH from another bank ) my loan payment into my checking account at Citizens. I have done this for about a year. Then Citizens bank automatically debits my checking account for the loan payment amount. Instead of depositing my ACH loan payment into my checking they applied the payment as an additional principal loan payment in my loan account. This is a completely different account and was not as instructed in sending my payment. When the actual payment was due they debited my checking account that did not have sufficient funds to cover the payment as they incorrectly deposited the funds in the wrong account thus creating a deficiency in the checking account. On the loan payment due date they attempted to withdraw the loan payment and apply the payment against the loan. Since the funds were not available they reversed the loan payment and are saying I missed this months payment. I called an explained, the rep admitted their mistake but stated they could not reverse their error. I demanded this be escalated and corrected as this will negatively impact by credit. I received one email on XX/XX/XXXX at XXXXXXXX XXXX from XXXX ( office of the chairman ) stating they tried to contact me. I called XXXX the call went directly to voice mail were I left a message asking them to call me. I also sent an email on XX/XX/XXXX at XXXXXXXX XXXX asking for them to call me back. I never received a call so I send a follow up email on XX/XX/XXXX at XXXXXXXX XXXX still not hearing from anyone I sent another email on XX/XX/XXXX expressing my concern and again no response. I send a final email on XX/XX/XXXX at XXXXXXXX XXXX stating I can contacting CFPB filing a complaint. I still have not received any correspondence. The case number for this at Citizens is ID # XXXX.
Product: Debt collection

I SENT A DEBT VALIDATION LETTER TO THIS COMPANY AND ASKED THEM TO VALIDATE THE ACCOUNT. I ASKED THEM TO SEND ME DOCUMENTATION WITH MY SIGNATURE THAT SAYS I AM INDEED THE PERSON RESPONSIBLE FOR PAYING THIS DEBT. THEY SENT ME A LETTER BACK SAYING THEY ARE UNABLE TO VERIFY THE ACCOUNT. ALL THEY SENT ME WAS A BILL STATING THE ACCOUNT IS VERIFIED BUT THEY DID NOT PROVIDE ME WITH ANY PROF THAT I OPENED IT SO PLEASE REMOVE FROM MY CREDIT REPORT
Product: Credit card

On Monday, XX/XX/scrub> 2024 A payment was authorized containing 3 flight tickets in the amount of {$2900.00}, On the XX/XX/year>2024 a payment was authorized in the amount of {$520.00} due to a flight date change making the full amount {$3500.00} On XXXX XXXX2024 the flight was cancelled and I have proof of the cancellation confirmation ( which was provided to my financial institution but they stated they didn't receive it ) After the flight was cancelled I have went through beat and sweat to get my money refunded for this flight as I never attended it and it's not right for me to pay that huge sum of money. I have made 2 dispute requests that have been both denied and I feel like it's wrongfully so. This is my last resort and I need all the help I can get.

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX Collection Agency Address : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent letters off to XXXX, experian, and XXXX  on XX/XX/2022, and XX/XX/2022 and have not received a response. I also understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. its been over 60 days and still no response. 






1. Validate Account XXXX Account Number : Please remove this inaccurate information from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : Please correct/update this inaccurate information on my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX  Account Number : Please remove this inaccurate information from my credit report. 

6. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

7. Validate Account XXXX XXXX XXXX  XXXX  Account Number : Please remove this inaccurate information from my credit report.
Product: Credit card

i 'm being harassed at least 8 times a day by telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX is not up to date. The negative information on it needs to be deleted. I have spoken with 3 reps and the was told the ( 1 ) 30 day late payment was not supposed to be on there because the system was down and did not allow payment to process. The following day it was deducted from my account however it still reported late not due to my fault. This was paid and has been on time for a long time. Remove this late payment from XX/XX/2020 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.

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.

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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

This is about a dispute i filed with chime dispute number XXXX on XX/XX/XXXX it was a XXXX XXXX order i never got and chime keeps denying the dispute even tho i sent proof and a police report they are not even investigating the claim they close the apeal within 24 hours this in unacceptable.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Futhermore, Experians actions contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ) as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with Federal Law and provides consumers with necessary proof of investigation. 
XXXX XXXX which is showing as negative on my report in the amount of {$1200.00}. 
I have disputed this is inaccurate and I was never made aware of this.
Product: Debt collection

I have a low balance credit card which I have let fall past due for up to 30 days on a couple of occasions. The company begins auto-dialing my phone at 6 days past due, up to 12 times during my work hours, everyday. When I answer the calls they hang up. I have twice now spoken to supervisors who blame an auto-dialing system and today the supervisor blamed me and said I wasn't the first and won't be the last person they do it too. That seems worth reporting.
Product: Debt collection

I tried disputing the account for them to say its mines with no validation nor did i have a account with them
Product: Debt collection

Something is showing on my credit report with a company named Financial Accounts Services for what appears to be some type of apartment complex named XXXX  XXXX. I never lived at that place and they continue to report this false information on my credit report.
Product: Credit reporting or other personal consumer reports

My information was jeopardized in a data breach and is affecting my credit. My privacy rights were violated and by law ( 15 USC 1681 ), that's illegal.
Product: Credit card or prepaid card

This bank is horrible its not fair the way they treat me horrible I reported that I cant use my card it asks for a PIN number which is ridiculous when its a credit card not a debit card when I try to use XXXX XXXX at a store it asks for a PIN number its not fair now they put a hard retriction my card was declined I call and find out their is a restriction I asked why they refused to remove it or help me to use my account how is this fair when I was approved these people this bank is the worst horrible they like to bother me and aggravate me they enjoy torturing me
Product: Checking or savings account

I am a long term resident at XXXX XXXXXXXX and I pay {$380.00} a week. I have repeatedly been chared {$1900.00} or more a month on multiple occations. That is 5 payments a month or 35 days. I discovered it in XXXX when I was charged {$1900.00} or more in XXXX XXXX XXXX XXXX and XXXX and a 5th payment in XXXX for {$110.00}. So I looked back in XXXX and found I had been charge 5 or more times every month in XXXX. I had suspended fraudulent activity so I diligently when down to pay every Saturday in XXXX. I never went down more than 4 times a month and never signed for more than {$380.00} a week. But in XXXX I was charged {$2700.00} in XXXX when it should have been XXXX, XXXX XXXX XXXX and XXXX were all {$1900.00} or more and XXXX and XXXX were the only months that were correct at {$1500.00}. Approximately {$1900.00} in overcharges. In XXXX over $ {$2000.00} in overcharges. Bank of America XXXX department keeps denying my claim stating the transactions were approved by me or someone who had permission. I gave them permission to charge my cards {$380.00} 4 times a month. Not what they charged me.
Product: Student loan

My name is XXXX XXXX. I signed up with XXXX XXXX in XX/XX/XXXX for online classes but I could n't pursue after having a baby so I called and cancelled. I was never registered online. It 's now XX/XX/XXXX and they have this account with investment retrievers listed on my credit report which is preventing me from getting a mortgage. I have tried to dispute this with credit bureaus and it 's just not going away please help me. I need to move on with my life and this is enabling me.
Product: Checking or savings account

I was on vacation in XXXX and when I came back I was surprised that my information was compromised. the bank manager asked me to update my credit burea details, spoke to an assistant for more than 15 minutes and nothing was resolved. my account is overdraft XXXX dollar. there have been several fraud attempts, credit card payments of XXXX dollars and names that I don't know, and my account is still negative
Product: Student loan

Currently my student loans only need XXXX payment to be eligible for forgiveness. 
I submitted employment certification form for XX/XX/year> to StudentAid.gov During this time period I made XXXX payments to mohela one for XXXX and XX/XX/year>. I made another payment in XX/XX/year>. I was notified via email that my loans were placed in forbearance in XX/XX/year>. 
I spoke with a representative from mohela and she told me that my loans have been in forbearance since XX/XX/year>. How can my loans be in forbearance if my statements report I am in repayment?
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXXXXXX XXXX XXXX. Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT FROM MY CONSUMER REPORT.
Product: Mortgage

My family has had long term financial hardship due to XXXX. XXXX XXXX advised that they can not waive late fees that have already been paid. This is completely unethical because when you go to make a payment online it looks like I have to pay the fee to avoid being reported late on my mortgage. It seems to me they set up the system this way so they dont have to waive fees. This is completely unfair and violates XXXX regulations. I am asking for help in getting these fees waived so we can continue to live in our home. I received a late fee XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. The response that they cant wait the fee if its been paid is completely unethical and they should not be allowed to cheat customers this way. The only reason why the late fees were paid because they make it appear that I didnt have a choice or my payment would be reported late to the credit agencies. I am just asking for the ridiculous XXXX fees to be waived. This fee is absorbent and completely unfair.
Product: Debt collection

Notice, it is a fact, affiant did not give prior consent to communication to the debt collector, AFNI INC. and the affiant alleges there was no prior consent from a court giving permission to contact I, the affiant in collection of any debts and thus this communication would be AFNI INC. is a violation of 15 U.S.Code 1692c ( a ) without a court order brought forth. It is a fact, affiant is aware, the false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). Affiant has proof of this violation as AFNI INC. allege I, the affiant, owes a debt but the alleged debt is shown in the positive amount, as seen in Exhibit A.
Product: Debt collection

I did not receive a notice to dispute letter. I am unaware of this account/debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2020 ) I wrote to XXXX  and TransUnion about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.