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

Experian has failed to fulfil its legal obligation under the Fair Credit reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers or dispute outcomes. These failures to of dispute outcomes, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information to the consumer reporting agencies. The consumer reporting agencies have failed to do a complete investigation as required by the FCRA. I am requesting my credit file pursuant to 15 USC 1681a ( g ) and that the XXXX XXXX  accounts on my consumer report be corrected to reflect open with no missing payments. I have attached the complaint that has been filed with US District Court and will file a complaint with the consumer reporting agencies if they continue to report the account with missing payments. Pursuant to 15 USC 1681b ( a ) ( 2 ) the consumer reporting agencies are to furnish my consumer report under the following circumstances and no other, " in accordance with the written instructions of the consumer to whom it relates. '' My written instructions are as follows : report the XXXX XXXX accounts as open with no late payments. XXXX, XXXX, and TransUnion do not need to contact XXXX XXXX in order to follow the written instructions of the consumer, as I am the consumer. By failing to follow my written instructions you are infringing on my right to credit, willfully violating the FCRA and are subject to punitive, statutory, and actual damages pursuant to 15 USC 1681n and 1681o.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to MERCEDES-BENZ FINANCIAL SERVICES, yet MERCEDES-BENZ FINANCIAL SERVICES is not removing this fraudulent account. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : MERCEDES-BENZ FINANCIAL SERVICES / XXXX.
Product: Mortgage

I have sent correspondence with registered mail # XXXX to your organization regarding my request to return my tender, securities, proceeds, interest and any other payments including all FRNs be returned ( Federal Reserve Notes aka Floating Rate Note ) Noticed a billing error for securities fraud. Since my initial request to return all funds were ignored. I am removing your rights from all securities, right to foreclosure, sale, ( Promissory ) Note and Deed of Trust/Mortgage/Security Deed. I am requesting you provide me with documentary evidence ( past, present and future ) on the public and private side per stipulations of GAAP located in your SEC filing. 

1st Tier Civil Penalty : after day 21 from above date $ XXXX due immediately. 
XXXX XXXX has begun day XXXX, which is $ XXXX during which such violation, practice, or breach continues. 

Loan Depot Acknowledgement Letter attached XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to PORTFOLIO RECOVERY ASSOC. for the account number XXXX and notify them of their error posting for this account. and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment and debt validation but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Debt collection

I received a letter in the mail saying that I owe for XXXX XXXX XXXX XXXX from XX/XX/2023 which I do not collection agency is lock hart Morris & Montgo
Product: Checking or savings account

On Friday XX/XX/XXXX, our checking account declined 4 withdrawal requests and notified us via email. Seeing this, we assumed there was a fraud attempt and the bank resolved the issue. On Sunday, XX/XX/XXXX, I went to review balances and saw that XXXX fraudulent withdrawals were made. I notified the bank and after an hour long phone call, they stated they would lock the accounts and resolve the issue within XXXX to XXXX business days. Today, XX/XX/XXXX, we received 4 new emails from Ally stating that the bank blocked 4 fraudulent withdrawal attempts. We called back to inquire why this kept occuring since the account was locked. We have been on the phone with the fraud department for over 2 hours and they can not seem to find a resolution. {$700.00} is missing from our account and no resolution has been offered. They are unable or unwilling to transfer the remaining money in our accounts to other bank accounts we have, and we are concerned our money is no longer safe.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I also attached evidence. 


XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a collection in the amount of {$1200.00} on the XXXX/XXXX  XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) This account belongs to my ex-wife and should not be reporting on my credit report. I have my own XXXX service with account number XXXX. Please see the attached copy of my billing statement reflecting my account number, billing period for current month and my name and address. This incorrect reporting of an unsubstantiated collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact being relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. ( XXXX XXXX Bank ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of the receipt of this notice
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX 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 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 60 days 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.

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 XXXX
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX, Experian, and XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX date opened XX/XX/XXXX {$720.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX date opened XX/XX/XXXX {$18000.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

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

XXXX has been non-compliant with removing the unverified account KLS FINANCIAL SERVICES XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KLS FINANCIAL SERVICES as not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

II  reviewed my credit report and observed Enhanced Recovery conducted an un authorized inquiry to my credit report. I filed a complaint regarding an alleged debt that Enhanced Recovery was trying to collect and Enhanced Recovery withdrew there attempt of trying to collect money I did not owe.
Product: Mortgage

I went through a modification and at the end of the modification they miss placed a payment, and now is asking for me to repay that payment I've already paid. I've filed a lawsuit with the XXXX XXXX XXXX XXXX XXXX. I was able to speak with the attorney but not able to come to a resolution. I have a confirmation number as to when I paid the bill over the phone.
Product: Checking or savings account

Attached please find a detailed description of the problem with emails between Citibank ourselves. The problem that we have had for the 2nd year in a row is that when the bank does their routine account profile updates they do not let us know what information they require in advance of their internally imposed deadlines for account reviews and block our account. 

Last year they blocked the account and then requested copies of identity documents. The account was un-blocked a few days later. This year no request for information was sent and when we inquired we were asked for copies of drivers licenses which were immediately provided and yet after 18 days the account is still unblocked due to a backlog of work in the unit that processes these requests, according to our relationship officer. Requests for escalation have been ignored ( see attached ). 

The purpose of this complaint is both to get our account unblocked and to call attention to a systemic failure in this institutions process for updating files without causing financial harm to their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt disputing with XXXX Transunion and XXXX. They continue to violate my right. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.
Product: Credit reporting or other personal consumer reports

The credit bureaus XXXX, Equifax, and XXXX continue to share inconsistent and incorrect information on my consumer credit reports even a recent investigation and re-investigation of the same accounts. They said that everything was accurate and in fact it is not accurate. This is a clear violation of my rights and causing undue stress on myself and my family because we are being denied credit for essential products and services. The inaccurate information is noted by red arrows in the uploaded documents. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Everytime i tried using the card online, the tranactions are declined. The transactions are well below the amount on the card. I've verified the info I'm entering is correct. On Amex website, the card is active and has the correct available amount. I have not yet tried using the card in a physical store, but its also not how/where i want to use it. I will attach screenshots of my latest online attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, a company which I 've never willingly shared information, has compromised my SSN and other personal info, and hid this for at least a month. This is unacceptable : I now have to spend the rest of my life worried about my life being ruined because of these bags of filth.
Product: Credit reporting or other personal consumer reports

My account with XXXX  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 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 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: Payday loan

The name of the lady that contacted me is XXXX XXXX phone number at XXXX, she said she was with XXXX XXXX out of XXXX, texas, she told me I had felony fraud charges against me and a useless check issued and that XXXX the woman told me I was going to XXXX for 108 days and I was going to have a warrant out and I never receive any mail from these people to see If they are legit please help me, my name is XXXX XXXX and XXXX number is XXXX, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

ON XX/XX/2019 I APPIED FOR THE XXXX XXXX XXXX BY XXXX XXXX, THEY PULLED EQUIFAX AND AS A RESULT DENIED ME BECAUSE I HAD NO SCORE SEE ATTACHED.
Product: Checking or savings account

XX/XX/year> I had a deposit hit from fidelity for my XXXX balance withdraw. I then went to uhaul to get a uhaul truck to finish the moving process from XXXX ks to XXXX ks. XXXX purchased in XXXX costing around XXXX . No transaction problem. At a gas station in XXXX ks, I was attempting to purchase a energy drink and a pack of cigarettes before I tried to head to XXXX. Costing roughly XXXX XXXX My transaction declined, and at XXXX XXXX I make a call to chime that lasts XXXX minutes and XXXX seconds. They fixed my card with whatever issue was causing the decline, failed to give me a reason for the decline. But nonetheless my purchase was approved. Then I head to XXXX ks and at XXXX XXXX I am making a call again to chime because I was attempting to use my card at XXXX. Transction costing roughly XXXX . The transaction was once again declined, so I was calling to figure out the situation. The agent on the phone did not give me a reason but was saying my account was closed for I believe he claimed identity theft, and was stating that this was a no refund action that I could do nothing about. This call lasted 31 min and 31 sec. I call back at XXXX XXXX  and come to no conclusion. Call lasting 15 min and 22 sec. I call again at XXXX. 13 minutes and 1 sec. And once again I call back at XXXX XXXX  requesting for a supervisor and that call once again went nowhere only lasting 4 minutes.

I recently have been between jobs so my direct deposit was not hitting my account for roughly 1 month. I have had a recent change of phone number and address that I attempted change for my account during my call at XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX. Account Number : XXXX. Please investigate and provide proof with statements showing that these payments were late. If evidence can't be provided I demand these payments be updated on time as they should be as I was NEVER late. 

Thank you.