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

I disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I have been disputing for a few months with the credit bureaus. There are multiple accounts on my consumer report that showed payment status as late one or more times which is inaccurate. I asked the credit bureau to provide to investigate and provide documentation to how they verified the accuracy of the late payments and they have not provided that information. All they say is the account was verified. I disputed again requesting a re-investigation and if they were unable to provide the documentation to how they verified to please update the payment status to XXXX. Instead of updating the status from late XXXX XXXX XXXX XXXX to XXXX they update it to CO, Charged OFF. My accounts have never charged off. 

How can an account show never missing a payment then for example in XXXX its CO then XXXX, XXXX, XXXX, payments are on time payment? 

The credit bureau is making up their own data. If they are truly investigating with the furnisher, they will have accurate, complete and verified information which clearly they dont. 

All of the accounts, both open or closed have never been late and should show a status of PAANL, paid as agreed never late. 

I even provided the law codes for many different things and they are not abiding by them. The FCRA required credit reporting agencies to follow their guidelines. 

PLEASE UPDATE ALL ACCOUNTS TO XXXX, PAID AS AGREED NEVER LATE IMMEDIATELY. ITS BEEN ALMOST XXXX XXXX OF DISPUTING. 

15 USC1681 ( a ) ( 2 ) ( b ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) 15 USC 1666b 15 USC 1681n
Product: Credit reporting

I sent a dispute letter to Transunion Credit Bureau in XX/XX/XXXX to dispute erroneous accounts on my credit report. The dispute letter via certified mail, it was delivered on XX/XX/2016 ( verified via XXXX ). I have not received any correspondence or dispute results. According to FRCA its my right to a timely investigation ( XXXX ) and Transunion is in violated my rights. At this point Transunion should be obligated to follow the law and delete those erroneous accounts listed on the dispute letter. Please assist me in handling this issue.
Product: Checking or savings account

Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chex Systems , Inc XXXX 
Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my Chex System consumer report which is fraudulent. 
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. Items listed above, have 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 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 ( AN ( 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. 
I have NEVER opened or used the following account numbers, please remove all information below : Contributor : 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 dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Chex Systems report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed two collections on my credit report that shows inaccurate account status. Also, these collection companies havent verified the debt to truly be mine.
Product: Student loan

I called ED Financial on XX/XX/XXXX to find out if I could adjust my payment as I do not have a job at the moment. I found their information in my XXXX XXXX app as they never sent me anything about taking over my student loan that XXXX previously had. They quoted me {$180.00} per month or a possible new payment savings of {$170.00} per month. Hmm {$6.00}. That was fairly substantially more than what I was paying before. Only other option was a balloon payment. I asked about not being notified when they took over the loan she said it was XXXX of XXXX and I could just log on to their website and put all of my personal information in and I would get an account number. In this day and age are you kidding! They ask for your social security number constantly or an account number which of course I dont have. From the lack of communication, not protecting private information, and a payment that is much higher. I am not happy with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of the accounts below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C.1681. 
XXXX  XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604A, 2 states consumer reporting agencies can not furnish an account without my express written instructions and permission.
Product: Credit card or prepaid card

Two Things ...

1. ) My credit card balance was decreased from {$1500.00} to {$950.00} AFTER I made several payments to pay down my balance. I had about {$700.00} worth of credit when CB ( Citizens Bank ) decreased my card balance due to my credit score dropping. My sentiment is that I felt it was unethical to reduce my balance after making payments that would certainly improve my credit rating and more. I hit a financial bump two years ago and now I am on track ; therefore, reducing my balance hurt my credit rating instead of improving it. I would like reconsideration of my original balance. I have no faith in knowing that if I paid this card off, the account would not be closed which would ultimately negatively impact my credit rating again.

2. ) I made an on-time payment on XXXX.20 ( Friday ) in the amount of {$100.00} but the payment is still showing as processing but I was charged a late fee. I had to log into my account to obtain this information. I called CB and was advised that the fee will be reversed because payments arent processed on the weekends. I advised that the cutoff time for Same-Day payments on the website says XXXX  EST. The agent said its XXXX and is on our Customer Agreement. Ive lost faith in CB considering that I thought they did things differently. Their practices are alarming at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS-NEXUS IS UNLAWFULLY FURNISHING PUBLIC RECORD NO. XXXX ON MY PERSONAL CREDIT FILE WITH THEIR COMPANY IN ERROR AND I HAVE DISPUTED SINCE XX/XX/2017. SEE ATTACHED. 

I WAS A VICTIM OF IDENTITY THEFT AND HAD SUPPLIED THEM WITH THE FULL POLICE REPORT AND THE LETTER THAT WAS RECEIVED DIRECTLY FROM THE BANKRUPTCY COURT SHOWING THAT THIS WAS NOT MY BANKRUPTCY. THEY REFUSED TO DELETE THE BK, AND ARE NOW IN VIOLATION OF SEVERAL FEDERAL LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX and resurgent/ lvnv funding are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX and resurgent/ lvnv funding the financial institution and the XXXX reporting agencies XXXX and experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX XXXX XXXX XXXX and resurgent/ lvnv funding whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX and resurgent/ lvnv funding Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I contacted XXXXXXXX XXXX  regarding account # XXXX ( letter attached ) that appeared on my TransUnion credit report. I requested that XXXX XXXX investigate the account and determine whether it was fraudulently opened. I received the attached letter from XXXX confirming that the account was falsely opened and I subsequently requested TransUnion to acknowledged and remove the fraudulent account from my credit report. ( Letter attached and XXXX dispute is highlighted in yellow ). As of today, TransUnion was ignored my request to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

On XX/XX/2020 my card was charged for graduation ceremonies for my nephews graduation at Assumption I vehemently complained that because of COVID graduation ceremonies were CANCELLED and I wanted a credit for the fees charged for ceremony and cap and gown To date I have not received my credit for this service NOT RENDERED
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 my online banking was hacked. Someone named XXXX XXXX tried to send a bank check through TD 's online banking " Pay a Bill '' section for {$3500.00}. This transaction did not go through, however on XX/XX/2023 the same process occurred and TD Bank wrote and sent a check to someone named XXXX XXXX XXXX for {$7000.00}. I do not know either of these people. I saw a copy of the bank check sent to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, Utah. I did not approve any of these transactions and I made that extremely clear to TD Bank multiple times. I disputed this to TD and they claimed it was not fraud and closed my case. I reopened the case and the same thing happened. I reopened the case again and threatened to get a lawyer and only then was a real person assigned to my case and they claimed again that it was not fraud. I had tried to file an affidavit, filled out all the paperwork, and they never filed it. I have spoken to many representatives and none were helpful. The man who I spoke to after I threatened a lawyer was named XXXX. I have gone to the police and filed a police report against XXXX XXXX XXXX but was told that my town 's police department can not help with cyber crimes. I was told that my report is now in all police criminal activity bases around the country.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 XX/XX/XXXX
Product: Debt collection

XXXX and XXXX acknowledged Capital One Credit Card was fraud account and they removed them off of my credit report. Capital One is doing whatever possible to continue to mess up my credit report when the was removed because they could not validate any purchases I made on their card nor did I receive a card yet activated so they were investigation. I need them to stop selling my personal information to other companies when I did not owe them they now got The bureau on my credit report. Capital One to stop these fraud transfer to dept collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a policy report that deals with indentity theft, which relates to a number of issues concerning identity theft at the time. Upon retiring from XXXX XXXX XXXX, management, during the month of XXXXXXXX XXXX I noticed suspicious activity, that included someone hacking into my identity, filing for unemployment I never requested, likely using up some of my old credit cards for higher balances being increased as reported on the credit reports, such as XXXX by original creditor, XXXX XXXX XXXX XXXX ( a XXXX XXXX XXXX ). The purpose of this request is that I highly question the suspicious activity to this particular account being reported here. I'm asking the Creditor or anyone who has access to the specific details concerning all transactions to this account from the last two years prior to it's closing of account. Could this account have a full furnished detail of itemized transactions of dates and maybe of times of those transactions? I believe this account was originally not owed anything, prior to these ring ups in transactions, and if no response is achieved within 15 days of this request, would you be able to have all credit reporting bureaus, XXXX, XXXX, XXXX erase this account balance to a zero balance if we don't get response in time for reporting to be update on what those transactions are that caused this balance to become {$5100.00} in the first place. thank you
Product: Debt collection

I did not grant authorization or initiate these accounts, and it is unjust for me to bear responsibility for them. I implore you to promptly rectify this error.
Product: Money transfer, virtual currency, or money service

I am a victim of Hurricane Michael ( XX/XX/XXXX ) living in a federally declared disaster zone. I received a {$130.00} settlement benefit check ( # XXXX ) issued by this bank dated XX/XX/XXXX. By the time I received the check that was lost in the mail and cashed it, it was returned by my bank as unpaid on XX/XX/XXXX. 

I have advised to XXXX XXXX and XXXX XXXX several times both the telephone number ( XXXX ) XXXX, the website ( XXXX ), and the email, XXXX provided for XXXX  are prerecorded lines with no option to speak with a live representative or request a replacement settlement check and you would know that if you just simple dial the number yourself prior to blindly handing it out. They have both repeatedly ignored my emails, including the executives CC 'd for Huntington Bank. 

I am requesting this be resolved immediately, especially considering the funds should still be available in the company 's account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureaus and have explained to them numerous of times that I am a victim of identity theft. I supposed to have a fraud protection on my account but someone is still trying to use my Information and has gotten credit cards and revolving credit in my name. I never opened a kikoff account on XXXX XXXX or XXXX XXXX, I never opened a self account on XXXX XXXX, I never went to the hospital on XXXX XXXX or XXXX XXXX. I have health insurance that pays for my bills. I also did not authorized these inquires : XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX/XXXX  on XX/XX/XXXX, XXXX  XXXXXXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian for my XXXX XXXX  account. These late payments do not accurately reflect my payment history. 

Summary of Errors and Discrepancies : Inaccurate Late Payments : All three bureaus report late payments ( 30, 60, and 90 days ), which are incorrect since payments were consistently made on time through autopay. 
Contradictory Account Status : Although the account is marked as " Current '' and " Paid, '' the payment history reflects late payments, which conflicts with its actual status. 
Inconsistent Reporting Dates : Each bureau lists different reporting and activity dates, leading to discrepancies in the record of account status. 
Credit Limit Discrepancy : The reported credit limit is {$0.00} across all bureaus, which may not accurately reflect the original credit line. 
These errors misrepresent the accounts history and potentially violate the Fair Credit Reporting Act ( FCRA ). I request that Experian correct these discrepancies to ensure accurate reporting. 

Nature of the Complaint : Inaccurate Reporting : The reported late payments are erroneous. I have consistently made timely payments, as all my accounts, including this one, are enrolled in autopay. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : Reporting of false late payments may also violate the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate credit information reporting. 
Additionally, the FCRA ( 15 U.S. Code 1681i and 1681s-2 ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, allowing for damages if agencies fail to comply. 
Requested Resolution : I request that Experian conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that all entries reflect my actual payment history of 100 % on-time payments. Please provide written documentation of the corrections within 30 days of this complaint. Failure to resolve this issue may lead to further action to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act to conduct a reasonable reinvestigation of dispute information on credit report leaving inaccurate or unverifiable accounts resolved.The CFPB has recently filed lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has not corrected nor removed disputed items despite the evidence provided I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the investigation and removal of a repossession that appears on my credit report. The account was opened in XXXX  by XXXX XXXX. I co-signed the vehicle for a relative and I was unaware that the relative I co-signed the vehicle for fell into financial hardship. I was not informed by neither the lessee or lender until the negative inquiry was placed on to my credit report.
Product: Debt collection

I was in contact with the debtor on a recorded call from their phone line. The debtor made very misleading statements to me. The debtor told me that my debt would stay on my record past the 7 year standard set by the CFPB because of the nature of the debt. She also threatened litigation. Her manner was very unpleasant. I believe that she made intentionally false statements in order to deceive me and under the FDCPA in order to attempt to get me to pay the debt. I am disputing and I would like this investigated and also I would like this debt removed. 15 U.S. Code 1692e - False or misleading representations. Bullet # XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.