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

There was an affidavit sent to Experian regarding account XXXX XXXXXXXX on my credit report. I informed the CRA 's of the illegal reporting due to permissible purposes and exclusion laws in a dispute letter and CFPB complaint XXXX. I submitted a FTC report which is attached to this complaint. The account has different information being furnished to each credit reporting agency which is also illegal and a violation of the FCRA. XXXX has since deleted this account from my credit file. Experian also failed to notate that the account was in dispute which is another violation. Please note that I am the only natural person writing this statement with the help of no third party. See the attached FTC report and reference CFPB id XXXX to see affidavit and credit report.
Product: Credit reporting

Hello - I went through a divorce over the summer and changed my name back to my maiden name. I have that change noted in my divorce papers which have the official county seal. I have also used these papers to update my name with social security and the XXXX. Transunion will not update my name with this information. They tell me if I got married they would have no problem updating my name, but since it was a divorce, they can not update my name even with copies of my divorce papers, social security card and my drivers license all stating what my legal name is. I can not move forward with banking items because my legal name is n't matching my primary name on my credit report. I think it is discrimination that they will update a name easily if you get married, but refuse to update to your legal name if you get divorced. Can we work to change their processes so that myself and others can move forward with their lives? I understand the process of proving information and appreciate that, but once a person does this, it should n't be so hard to update your credit report. I have seen on many message boards online that this is a huge issue with woman and transgender people. Something this simple should n't be so hard to fix. 
Thank you and I look forward to your response.
Product: Debt collection

I received a phone call XX/XX/21 at around XXXX. They said they were portfolio recovery but would not tell me what I owed. I do not have any debt and they didnt have me verify myself in any way. All they asked very quickly as soon as I answered the phone is are the last 4 digits of your social security number XXXX. I asked who am I speaking with they said its an attempt to collect debt. That they were with portfolio recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion and sent all documents they required to remove hard inquiries that I do not recognize and not mine. I sent an FTC report by mail I sent police report by mail I also faxed and I have sent my documents to them already and called all companies and sent proof to transunion and neither companies neither transunion removed inquiries that I did not authorized neither done by me. I have called them and they said they cant find mail and also they said that I have to send them letter again and always is the same when they should remove all inquiries that are not mine. Here are the inquiries not mine 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 need transunion to remove inmediatly Innacurate information all those inquiries are fraudulently put in there by transunion and need them removed. Also please do not authorized any company neither transunion to place any fraud alert or freeze without my consent. Please do not place any alerts or anything without my authorization.
Product: Checking or savings account

The company didn't give me a response for my CFPB complaint XXXX and XXXX within their promised time.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ) was never late! I have had exceptional payment history witH 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. I never in my life had an account with XXXX  In XXXX, I was a victim of identity theft, I contacted XXXX and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX  XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Mortgage

My home was included in my bankruptcy in XXXX, and discharged in XXXX. Indymac bank, the original mortgage holder has still not foreclosed on my home and this is keeping me from purchasing a new home. The home is at XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXXXXXX XXXX XXXX ( accounts opened XX/XX/XXXX & XX/XX/XXXX ) for their improper reporting of a balance on a charged-off account, which is in violation of the Fair Credit Reporting Act ( FCRA ).

Under FCRA 1681s-2 ( a ), furnishers of credit information, such as XXXX XXXX XXXX, are required to provide accurate information when reporting to credit bureaus. A charged-off account, by definition, should not report an outstanding balance as the debt is considered uncollectible and written off by the creditor. However, despite the account being charged off, XXXXXXXX XXXX XXXX continues to report a balance on my credit report, which is inaccurate and misleading. 

This inaccurate reporting is negatively impacting my credit profile and violates FCRA provisions that ensure consumers are not subjected to false or misleading credit information. 

I request that XXXX XXXXXXXX XXXX immediately cease reporting an outstanding balance on this charged-off account and correct the information across all credit bureaus. If the information can not be verified or corrected, I demand that the account be deleted from my credit report in compliance with FCRA guidelines. 

I am asking the CFPB to intervene and hold XXXX XXXX XXXX accountable for this violation and ensure they correct the issue promptly. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it my concern, I have several inaccurate names on my credit file the do not belong to me and need to be corrected. My name is XXXX XXXX XXXX please delete remove any and ALL variations abbreviations or likeness to my name. 
I need the following fraudulent address removed from my credit report. they are not accurate. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX- XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , OK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Vehicle loan or lease

XX/XX/2020 I received a collection call from Regional acceptance at XXXX XXXX  EST, apon anwsering the call lasted 23 second and no one said anything but hung up. I returned the call and talked to someone about the issue and they did not want to listen to my complaint till they asked about the account. I asked for a supervisor which was XXXX and he said they were sorry they called and noted it was on their computer that I was EST, appoligised about it then realized he had talked to me before several months back about the same issue. This has happened multiple times before and I was told it would not happen again But it did, XXXX said he would reach out to management again but it has not been corrected before.
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against Portfolio Recovery Associates ( PRA ) for attempting to collect a debt from me in Wisconsin without being legally licensed to do so. Their actions have violated my rights under several federal and state consumer protection laws. 

Details of the Issue : XXXX. Unlicensed Debt Collection : PRA is not licensed to collect debt in the state of Wisconsin. According to Wisconsin state law, any entity engaged in debt collection must be licensed by the XX/XX/XXXXDepartment of Financial Institutions. PRA 's failure to obtain this license renders their collection efforts illegal under the Wisconsin Consumer Act ( Wis. Stat. 421.301 ( 9 ) and Wis. Stat. 427.104 ). 

XXXX. Violations of the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : PRA has engaged in practices that violate the FDCPA, including : 15 U.S.C. 1692e : Making false or misleading representations regarding their legal right to collect the debt.

15 U.S.C. 1692f : Using unfair practices by attempting to collect a debt without proper licensing.

15 U.S.C. 1692g : Failing to provide proper validation of the debt upon request. 

XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : PRA has provided inaccurate information to credit reporting agencies, damaging my credit report. They failed to : 15 U.S.C. 1681s-2 ( a ) : Ensure the accuracy of the information reported.

15 U.S.C. 1681s-2 ( b ) : Investigate and correct inaccuracies after I disputed the debt.

4. Violations of the Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5531 : PRAs actions constitute unfair, deceptive, and abusive acts or practices ( UDAAPs ), violating the CFPA. The CFPBs prior actions against PRA, including significant penalties for similar practices, underscore their continued non-compliance with the law.

5. Violations of the Telephone Consumer Protection Act ( TCPA ) - 47 U.S.C. 227 : If PRA has used automated calls to contact me, they may also be in violation of the TCPA, which restricts the use of automated dialing systems and prerecorded messages.

I request that the CFPB take immediate action to investigate PRA 's illegal collection practices and enforce the necessary penalties.
Product: Debt collection

Ive contacted XXXX XXXX several times in writing demanding they prove the debt they are claiming I owe
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the presence of late open accounts and late closed on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open and new late closed accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. The following late open should be corrected and remove the late closed accounts as soon as possible : DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00}.
Product: Mortgage

I received an email from Wells Fargo on XX/XX/XXXXstating my XX/XX/XXXX mortgage payment was past due. I have always paid my monthly payment in two payments for example, a payment around XX/XX/XXXXand another around XX/XX/XXXX the combined total equaling the full amount for the XX/XX/XXXX mortgage payment. When I called, I was informed portions of my payments for several months had been getting applied to the principle balance and not towards my monthly payment ( the amount was never the same and it was also never the full payment I sent in ). For example if I sent in a payment of {$900.00}, {$140.00} of that was applied to the principle and not my monthly payment. Over months this has added up to an entire missing payment of {$2100.00}. Wells Fargo stated this was the risk I take by paying in two payments and that they can not correct the payments as it has been over 90 days, even though I did not know this was taking place until XX/XX/XXXX. I have made this full payment and they are now asking for another payment for XX/XX/XXXX. I have reviewed the statements and there is no mention that payments must be made in one single, full amount or that there is risk of payments being miss-applied if they are sent in separately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent Equifax and XXXX certified letters to verify the bankruptcy listed on my credit reports. Each escalating letter asked for verification of the listings. The two credit bureaus each sent me letters stating the bankruptcies were verified. I have also sent them the article where they have agreed to remove tax liens and bankruptcies off the credit report where they do not have enough information. XXXX County Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I included the letter from the court stating this information. I have continuously asked the two credit bureaus to remove the inaccurate listings and how they received the inaccurate information ; their method of verification. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family. I have attached the letter from the court and the certified letters I sent them.
Product: Credit reporting

I submitted documentation to Experian including documentation from the reporting loan agency documenting company error, in order to remove incorrect late payments from my paid in full mortgage account.with XXXX. I submitted to all XXXX agencies XXXX and XXXX, and only Experian refused to accept my documentation no matter how much information I provided them, and my repeat disputes to their company. I called the company, and they told me to upload the documents, but when I went to their website it was n't functioning and it was impossible to upload anything.f so I sent them the information certified, and they still refused to accept it, so I went back into their website, and tried to upload a dispute, but the website would not accept disputes again. Every time I have attempted to use their website it has not worked, and I am unable to provide information or disputer through the website. When you call they tell you to use the website, and when you use the website it does n't work. I feel this is purposeful behavior on their part, so that they are not required to accurately address the consumers disputes. Their behavior is illegal and against the FCRA. Please consider my complaint against them as they are damaging my credit, and are violating a consumers right to have the truth reported.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Inquiries : 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 XXXXXX/XX/XXXX
Product: Debt collection

NOTICE OF COMMERCIAL LIEN INTENT!XXXX XXXX XXXX XXXX XXXX HAS USED FICTITIOUS NAMES 3 TIMES AND VIOLATES FEDERAL CODE, note memorandum ; NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 3 counts. CEASE AND DESIST AT ONCE, THIS IS COMMUNICATION FROM LEGAL COUNSEL FOR THE PLAINTIFF, NOTICE OF COMMERCIAL LIEN COMMENCEMENT,
Product: Debt collection

Jefferson capital systems has XXXX debts in my name one I paid them for after they sued me with out informing me properly and forced me to go into a financial hardship I am now barely making rent or anything else. The second is a debt for phone bill from an account I never opened I have disputed it several times and they refuse to remove the debt as mine and as a result I have no choice but to put it in a debt management program and report them to you to get this resolved.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information contained in my credit report, which I obtained from your agency. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, you are required to ensure the accuracy, fairness, and privacy of the information in consumer credit reports.

The following information on my report is incorrect and has caused undue harm : XXXX XXXX CO Account Number : XXXX XXXX XXXX XXXX XXXX XXXX COLUMBIA DEBT RECOVERY LLC DBA GENESIS Account Number : # XXXX This inaccurate information has negatively affected my creditworthiness and, as a result, has caused financial and personal hardship. Under 15 U.S. Code 1681o, you may be held liable for negligence in failing to comply with the requirements of the FCRA, including your obligation to maintain accurate consumer information. I demand that you immediately investigate this matter and correct or delete the erroneous information from my credit report as required by law. 

I have attached copies of relevant documents that support my claim, including [ mention supporting documents such as credit report excerpts, statements, or correspondence with the creditor ]. 

I expect a written response regarding your investigation within 30 days, as mandated by the FCRA. Should you fail to comply, I will be forced to consider legal remedies to protect my rights under federal law. 

Please confirm receipt of this dispute and provide an update on the resolution process as soon as possible. You may contact me at the information listed above for any further clarification. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX