23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

After making alternative payment plans with discover loans they reported the student loan accounts as delinquent to the credit card companies for XXXX and XXXX XXXX causing the XXXX XXXX to drop by XXXX point in XX/XX/XXXX. This has caused XXXX to have have increased rates with a mortgage loan application. Also there have been unfair practices when looking to collect payment, such as repeated phone calls and multiple payment letters. Also the interest has compounded tremendously since the beginning of the loan which was originally a XXXXXXXX XXXX loan. When I called in about the increasing payment on XX/XX/XXXX at about XXXX. I was told that there are variable rates on each loan, but on my statements I started with a restructured rate of XXXX during XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Product: Debt collection

We moved out and recieved the bill from XXXX XXXX in XXXX Texas. I am very willing to pay the trash removal but the carpet and paint because there was no need. We did not damage any of this. They are trying to get money from us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the three credit bureaus several times about them incorrectly reporting my student loans as in repayment. I do not owe on my student loans as of yet so it should not be showing balances like they are up for payment which is lowering my credit score. Additionally my 5 charged off collection accounts are showing as open with a balance because I DISPUTED them and now they are showing with current balances as of XX/XX/2022 when these accounts are 4 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$1100.00}, {$2100.00}, {$6300.00}, {$2800.00}, {$12000.00}, {$7700.00}, {$1700.00}, {$5700.00}, {$0.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened onXX/XX/XXXX, XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

4. XX/XX/XXXXwith ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

5. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

6. XX/XX/XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$1700.00} -This is not my account. 

9. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- PERSONAL LOAN 10. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 11. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I am a joint borrower on a mortgage held at a bank. The primary borrower ( my ex-husband ) changed his address of record with the bank. The bank reported to all three credit bureaus the new address for ALL borrowers. This caused my address with all three credit bureaus to change my current address to my ex husbands address. 

I could not dispute the address with XXXX. I had to contact the bank to get it removed. I called the bank and was told they report the primary borrower 's address for all borrowers on the loan. They reported false information for me. 

In discussing this with other people I discovered some have had the same problem but with other lenders or credit card accounts. 

This practice needs to stop. Im guessing this affects millions of credit accounts due to co-signers and divorce.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH PRIVACY ACT OF 1974, 5 USC 552a ACCORDANCE WITH GRAMM LEACH BLILEY ACT TITLE 15 USC 6801 PROTECTION OF NON-PUBLIC PERSONAL INFORMATION ACCORDANCE WITH 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN PERMISSION TO HAVE THESE UNAUTHORIZED TRANSACTIONS AND ACCOUNTS ON MY PROFILE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that I do not recall EVER doing business with still showing on my credit report. I was a victim of fraud so demand to see any and all legal documents connected to any contracts for business. Please delete XXXX XXXX. This is the second time I have had this issue. They are in violation of FDCPA and FRCA laws, 623,611 FDCPA 809,805 Aas well as HIPPA!
Product: Credit reporting or other personal consumer reports

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Vehicle loan or lease

I have two leases with XXXX XXXX ( NMAC ). I have made every payment on time on both leases up until this past XXXX of 2019 where I made one late payment on one lease and two late payments on the other lease due to an unexpected family emergency. Since then ( XX/XX/2019 ), I have made all of my lease payments on both cars on time. I even paid the late fees associated with the previous late payments. Now I have a new born daughter and I am trying to get approved for an apartment to accommodate my growing family. But I keep getting denied because of the late payments posted on my credit report and my score has decreased significantly because of this reporting. I contacted XXXX XXXX to explain my situation to the representative and even a supervisor but to no avail. I was told that they do not do courtesy removals of missed payments on credit reports and/or scores. I then asked them what am I supposed to do because with the addition of my daughter I need a better living situation and with the missed payments, it has become hindering to me to be able to get suitable living. The response was a long pause and then an " I'm sorry but we are not able to help you ''. To not continue to have inquiries pile up on my credit report and affect my scores, I have refrained from applying for anymore apartments. But my obviously my family situation has not changed. I still need to have adequate living for my family and my current living arrangement is not good enough. I just feel so helpless. I have been a very responsible person when it comes to my payments and because of one emergency  unexpected event in my life where I could not make a payment, I am being punished for it. I'm sure a situation like this has happened to and/or can happen to anyone especially including those who work for XXXX XXXX. But they still showed no compassion.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX 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.

TransUnion 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: Vehicle loan or lease

I paid off my Chase XXXX Auto loan on XX/XX/2024 and the payment cleared on XX/XX/2024 per what the bank representatives I have spoken to said. They refuse to provide me with a letter of loan satisfaction/lien release for the paid and closed loan and are refusing to release my title to my vehicle until XX/XX/2024. I need this title to sell the vehicle and Chase Auto is continually refusing to release until XX/XX/2024, 13 days after the payment has already cleared and the loan satisfied and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I filed a XXXX  XXXX bankruptcy over five years ago. The mortgage was not included in the filing of the XXXX  XXXX. We paid the mortgage separate from the bankruptcy payment. This bankruptcy has been discharged. XXXX XXXX XXXX has been notified multiple times of the discharge and asked to correct what is listed on my credit report. I recently filed a dispute in reference to their report to the credit bureau that my account is " Closed '' and " Potentially Negative ''. All payments were made on time and correct amount to our mortgage during the bankruptcy. They have reported XXXX payment made. The response from their company to my dispute was " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. ''
Product: Checking or savings account

Due to a widespread issue with the ACH, my bank Chase, has failed to retrieve my direct deposit. It was supposed to be in my bank account by Friday ( XXXX ). I was told by a customer service representative when I called that it would be in my account by Saturday XXXX XXXX XXXX  ) and it was not. It's now been almost 4 days late since my direct deposit was supposed to be here and my work believes the ACH has sent our pay. It's XXXXXXXX XXXX  on Tuesday ( XXXX ) and I do not see it. However, regardless of if it posts, Chase has failed to resolve this within 1 business day at this point or offer compensation, and due to the issues, my rent is late and I have had little food to eat over the weekend. I believe this could be a clear violation of the EFTA and I am requesting compensation or the route to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX  account # XXXXand any inquiries on my credit report is in violation of my rights. 15 USC 1681 section 602 a. States I have the right to privacy.plus 15 USC 1681 section 604 a.states a consumer reporting agency CAN'T FURNISH A ACCOUNT WITH OUT MY PERMISSION
Product: Mortgage

On XX/XX/XXXX I entered into an agreement with Wells Fargo to go onto a reduced payment plan for my mortgage. This was due to me becoming a XXXX XXXX XXXX Veteran, and having to exit the military because I was blown up from an improvised explosive devise in during one of my combat tours in XXXX. I entered into this agreement, with good will, and continued it until my Veterans Affairs XXXX XXXX XXXX began which allowed me to begin payments on my regular schedule at the full price. I have never missed or been late on any payments, because I have it set up on auto pay, through my bank, XXXX and it is automatically deducted from my checking account each month. On XXXX, XXXX, Wells Fargo began this program, of reduced payments, and an error between internal Wells Fargo departments caused them to not know that I was on the program, and they kept sending me a bill for the full amount. The following month, this resulted in a 30 day late, which posted on the XXXX date, and it is now still on all 3  of my credit reports. I have disputed this several times. I don't know how much more clear I can be about this. I have even talked to a Wells Fargo representative on the phone, and it is in my Wells Fargo notes, that they sent it to the Wells Fargo credit department for immediate removal. Please help. I had a similar situation, in XXXX, with two 30 day lates, I can explain those in detail, and have notes on that as well. But wells Fargo should have this, and I have talked to them several times about it. They have already agreed to remove, but never have. They are reporting inaccurate information on my credit report. This is the final time I am asking, please remove all 3 late payments off of my credit reports immediatley.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies zelle has failed to investigate my claims. They reported that recovering lost funds was impossible. The CFPBs findings indicate that zelle has neglected to protect costumers but has also allowed repeat offenders to exploit the systems leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. The information has not been proven to be true, correct, or verified. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. If you can not provide proof that the information is accurate, compliant or valid I demand that you update to paid on time and never late. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. The following item on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please update immediately. 

Under 15 USC 1666B- this is a billing error, it was always paid as agreed, and on time this is an error this account is in violation I also didnt receive a statement 21 days before the bill is due and this a billing error under 15 USC 1666b ( XXXX ) ( XXXX ) ACCOUNT - XXXX ACCOUNT # - XXXX
Product: Credit reporting or other personal consumer reports

As a Joint account, I am requesting to be Removed XXXX XXXX Credit report as Payment history late. XXXX no longer has access or contact with me in this car lease. As far as the late history thanks for your regards to my loss. I am requesting and insisting in a goodwill For XXXX XXXX Credit report to be removed. as well as proof of late discrepency as youreport.
Product: Credit reporting or other personal consumer reports

Equifax refuses to block under section 605 ( B ) Furthermore, This dispute was not 1 ( a ). blocked in error XXXX ( b ). a material of misrepresentation of facts or c ( XXXX ). I have not obtained goods or services from any transaction on the alleged disputed account, and if you believe otherwise, I need a senior member or advisor representative on behalf of Equifax to swear under penalty of perjury that It is fact, If I have obtained and goods or services for any transactions on this account. 

According to the FCRA, you are required to block the reporting of this information within four business days of receiving my identity theft report and to promptly notify the furnisher ( s ) of this information that it has been blocked due to my status as an identity theft victim.

Despite having a payment history, which is a point of contention, these accounts are not mine, and the existence of payment history does not validate the fraudulent nature of the accounts, nor should it prevent the application of my rights under the FCRA. 
This account does not meet FCRA regulations and should be blocked. 
Enclosed with this letter, please find copies of : The FTC Identity Theft Affidavit, Any previous correspondence related to this mater, Proof of my identity ( state ID, drivers license, etc. ) and Utility bill. 
I respectfully request an expedited response to this serious mater. 
Failure to comply with the FCRA can result in legal consequences. I notified the CFPB of discrimination, and planning to take it further if necessary to protect my rights. 
Please send me written confirmation that the information has been blocked and provide me with an updated credit report to my address listed above. 
I trust that you will treat this mater with the urgency and seriousness it warrants. 
You may contact me for any further information or verification at the phone number provided or email attached to on my Equifax profile. 
Thank you for your prompt attention to this mater.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information.

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 
Once this is done please send me an updated copy of my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report a collection on my credit that the company stated they have no knowledge of the debt. I submitted a complaint to the CFPB XX/XX/2023, claim number XXXX regarding a debt that was paid to XXXX XXXX system via direct debit from my checking account. Professional collection was closed and XXXX collection assumed company. The stated to the CFBP that they have no knowledge of the debt. In addition, I reached out to professional collections with the number provided by XXXX and the company is closed. So, XXXX should have removed this collection from by credit report when I sent the emails proving I paid the debt or when I initially disputed the debt.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.