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

In lieu of several attempts to have this matter corrected I am requesting that a human being investigate this matter personally and not a automated computer system. I do not owe this debt. XXXX XXXX and the credit bureau are in violation of my rights under the FCRA. By law I have the right to request documentation proving the debt is mine and is valid. XXXX XXXX has failed to provide any proof this debt is valid to myself or to the credit agency. Each time a complaint is filed against XXXX they claim the debt is valid without furnishing any documentation. XXXX, XXXX  and Experian have also failed to formally review proof of debt by XXXX. I am again formally requesting that XXXX and the credit agency formally provide proof that this debt, balances and dates are accurate. If this matter is not resolved an investigated within 30 days I will be filling a civil suit against the credit bureau.
Product: Debt collection

I was into a rental lease with XXXX XXXX XXXX, managed by XXXX XXXX XXXX, XXXX. It ended on XX/XX/2022. I had no debt to them at that point. After several months, they started harassing me with emails, and, eventually, with a collection agency, BYL Services, for a completely unjustified amount of {$330.00}. I have repeatedly disputed this with the company, the collection agency, and XXXX, but to no avail.
Product: Credit card

Discover Card offers an interest rate from 11.24 to 23.24. You would assume that a person with great credit ( XXXX equifax ) would get a low rate ... ... not so!!! They gave me a rate of 18.24. This is dispictable. The XXXX customer service people I talked to could not explain why. This is typical unethical marketing by a dishonest company.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXXWells Fargo informed me that my IRA account was levied by Virginia Department of Taxation. This was an illegal levy and was removed within 24 hours. Instead of Wells Fargo placing the {$100.00} back into my IRA account they closed the account? This illegal levy caused one check to bounce and fees was removed from checking account. I contacted Wells Fargo Executive offices and explained what has happened for weeks and was informed that a check in the amount of {$90.00} ( after taxing my {$100.00} ) was mailed to me on XX/XX/XXXX. XX/XX/XXXX I called again explaining that I have not received my refund check and the lady informed me after 2 hours that the check was deposited into a XXXX Account. I have never banked at XXXX, my address was not on the check when I received a copy of the check, Wells Fargo has not contacted me as of today 's date with any explanation on resolving this issue and why was a cashiers check issued instead of direct depositing into any of the Wells Fargo accounts?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these the inaccurate information and accounts that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-XXXX ) you are required to deletes any accounts and inaccurate information not later than XXXX business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$3.00} XXXX XXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$1.00} XXXX XXXXXXXX Balance : {$20.00} XXXX XXXXXXXX Balance : {$20.00} XXXXl XXXX Balance : {$16.00} XXXX XXXXXXXX Balance : {$14.00} XXXX XXXX Balance : {$11.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$6.00} XXXX XXXXXXXX Balance : {$4.00} XXXX  XXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$7.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXX Balance : {$33.00} XXXX XXXX Balance : {$23.00} XXXXl XXXX Balance : {$33.00} XXXX  XXXX Balance : {$23.00} XXXX  XXXX Balance : {$9.00} XXXX  XXXX Balance : {$15.00} XXXX  XXXX Balance : {$19.00} XXXX  XXXX Balance : {$33.00} XXXXl XXXX Balance : {$19.00} XXXX  XXXX Balance : {$33.00} XXXX  XXXX Balance : {$19.00} XXXX XXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$10.00} XXXX  XXXX Balance : {$7.00} XXXX XXXX Balance : {$16.00} XXXX XXXX Balance : {$13.00}
Product: Credit reporting or other personal consumer reports

I am formally disputing the CarMax Auto Finance loan ( Account # xxxxxxxx ) on my credit report based on the following legal grounds. I am requesting the immediate removal of this account due to significant inaccuracies and violations of federal consumer protection laws, as outlined below. 
XXXX. Violation of FCRA Accuracy Requirements 15 USC 1681e ( b ) Under 15 USC 1681e ( b ), XXXX is required to maintain the accuracy of the information included in my credit report. The past-due balance for the CarMax Auto Finance loan is inconsistent between your report and XXXX report. 
XXXX reports a past-due balance of {$16000.00}, while XXXX reports {$16000.00}. 
This discrepancy demonstrates that the information is inaccurate and unverifiable, and therefore, it must be corrected or deleted. 
XXXX. Improper Charge-Off Reporting Misleading and Unfair The account is listed as a charge-off, which represents canceled debt as defined under IRS XXXX Section XXXX XXXX 
Canceled debt is treated as taxable income, typically reported on a Form XXXX. If CarMax Auto Finance has charged off this debt, it can not be legally reported as an outstanding balance. 
Reporting the account in this manner violates the FCRAs accuracy and fairness standards under 15 USC 1681s-2 ( b ), which require furnishers to ensure reported data is neither misleading nor incorrect. 


XXXX. Failure to Provide Opt-Out Rights 15 USC 6802 ( GLBA ) Under 15 USC 6802 ( Gramm-Leach-Bliley Act ), CarMax Auto Finance was legally required to : Notify me of their intention to share my personal financial information with third parties. 
Provide a clear and conspicuous opportunity for me to opt out of such information sharing. 
To date, I have received no such notice. As this reporting is unauthorized, it must be removed from my credit report immediately. 

Requested Resolution I am requesting the following actions : Immediate Removal of the Account : Due to inaccuracies, unverifiability, and legal violations.

Proof of Verification ( if the account is not removed ) : Provide detailed documentation reconciling the balance discrepancy across bureaus. 
Submit evidence that no tax cancellation ( Form 1099-C ) has occurred for this debt. 
Provide a record of my opt-out notice under the Gramm-Leach-Bliley Act.

Failure to comply with these requests will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Legal Summary of Violations 15 USC 1681e ( b ) : Reporting of inaccurate past-due balances.

15 USC 1681i ( a ) ( 5 ) : Inability to verify disputed information within the legally mandated XXXXXXXX window.

15 USC 1681s-2 ( b ) : Misleading charge-off reporting.

15 USC 6802 ( GLBA ) : Failure to provide opt-out notifications.

Thank you for your immediate attention to this matter. I expect your response and resolution within the XXXX statutory window, as required by federal law.
Product: Debt collection

I recently filed a complaint with CFPB ( XXXX ) on XXXX XXXX XXXX XXXX for a debt collection account. 
In this company response to that complaint they said that they cease debt collection and asked credit bureau to remove the account. This is still being reported on my Equifax Credit report. This item was also previously deleted then re-inserted as a paid account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date opened XX/XX/year> Balance {$15000.00} Status Open. 

According to 15 USC 1666b this must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  originator XXXX  ) Account # XXXX, XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX ( originator XXXX XXXX ) Account # 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. Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill 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 of dispute outcomes. 
These failures align with my experience, 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 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 of dispute outcomes. 
These failures align with my experience, 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: Debt collection

Was called by XXXX XXXX XX/XX/18 stating that she had my case file on her desk and i was being sued for fraudulent check writing. I called the original creditor, who forwarded me to the debt buyer who informed me to no longer call XXXX back to correct the issue. Continued getting calls from XXXX and when I told her I was receiving conflicting information she hung up the phone.
Product: Debt collection

I have a payment plan set up with this company XXXX every XXXX weeks since last XX/XX/2021 and they refuse to report the correct balance to the credit bureau therefore it keep reporting negative or late it has not been late I over a year but they refuse to update the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to report a XXXX collection account in the amount of {$850.00} against my credit even though XXXX notified Equifax on XX/XX/2019 to remove the account since they are no longer handling the matter as they state in the attached XX/XX/2019 CFPB response. 

On XX/XX/2019, I contacted Equifax customer service because the XXXX account was not removed. However, since Equifax has chosen to outsource their customer service to XXXX and not properly train their employees, the Equifax representatives do not have a grasp of the English language and can not comprehend anything other than the script the have before them. 

As such, I followed up the phone conversation by faxing Equifax a notice to remove the XXXX collection account with the supporting CFPB XXXX response. ( A copy of the facsimile notice is attached ). 

As of XX/XX/2019 Equifax continues to report the XXXX account. ( A copy of my Equifax credit report dated XX/XX/2019 is attached showing XXXX account ) As Equifax has been notified by both XXXX and myself to remove the XXXX account, Equifax is now knowingly and intentionally reporting false information against my credit file.
Product: Debt collection

Subject : Formal Complaint Regarding Unlawful Credit Reporting & CFPB Violation To Whom It May Concern, I am writing to formally dispute the negative item your company has reported on my credit report, which is severely impacting my ability to secure credit and obtain a home for my family. Your actions violate multiple consumer protection laws, and I demand that you immediately cease reporting this debt. 

Failure to Provide Proper Notification & Assumption of Validity Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX XXXX XXXX  a debt collector must provide written notice of the alleged debt within five days of initial communication, including a statement that the debt will be assumed valid unless disputed. Your company failed to notify me of this debt, depriving me of my right to dispute its validity, making your reporting unlawful. 

Furthermore, the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) explicitly states that furnishers of information must not report information to credit bureaus if they have reasonable cause to believe it is inaccurate. Since I was never notified of the debt, nor did I acknowledge or assume its validity, your company has no lawful basis to report it. 

Violation of a Previous CFPB Complaint Resolution I previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this inaccurate and unverifiable debt. In response, your company confirmed that the item would be removed from my credit report. However, this removal never took place, constituting a direct violation of the CFPBs oversight and your agreement. 

By failing to honor your own statement, you are in willful violation of the FCRA under XXXX XXXX. XXXX, which holds furnishers liable for knowingly reporting inaccurate information. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX affirms that furnishers who fail to correct inaccurate information after being notified are in violation of the FCRA. Your continued reporting of this item, despite your prior statement, demonstrates reckless disregard for federal law. 

Demand for Immediate Action I demand that your company take the following actions immediately : Cease all reporting of this alleged debt to any and all credit bureaus ( XXXX, XXXX, and XXXX ) immediately. 
Provide written confirmation that the debt has been permanently removed from my credit reports. 
Cease all collection activity and communications regarding this debt. 
Failure to comply with this demand will result in legal action, including filing another CFPB complaint, reporting your violations to the Federal Trade Commission ( FTC ), and pursuing legal remedies under the FCRA and FDCPA, including statutory and punitive damages. 

You are hereby given 15 days from the date of this letter to comply. If I do not receive a satisfactory resolution, I will escalate this matter to the fullest extent of the law. 

Sincerely, XXXX XXXX -attached is the past cfpb complaint in which the company is uncompliant
Product: Debt collection

This debt was paid and was supposed to be taken off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, The natural person and Consumer Citizen is responding to the allegation, mores " lies '' brought about from the following companies : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, /COMENITY CAPITAL BANK . You and the paid third party debt collectors without contracts to collect ( pursuant to 31 U.S. Code sec,3718 ) are in fact caught in a lie and have given all proof needed as to what published within your response. You have failed to mention WHO, the investigative information was obtained from.. in addition, HOW my personal information was obtained, fi not authorized by me pursuant to 15 U.S.Code 1681 ( B ), you've had no Permissible Purpose '' or written consent from me the consumer. This is in fact identity theft, punishable in Federal Court. I have in mailed in second notice of ceasing all REPORTING and providing me with the proof of WHO and HOW investigations were done. These companies have not supplied any evidence to how my information was obtained, only that it was " verified and accurate '' pursuant to 15 U.S. Code 1681 ( A ) ( E ) speaking to personal friends, family, etc is not FACTUAL, none the less third party bureaus buying personal information, all NOT AUTHORIZED BY ME. these companies continue to report inaccurate information in violation of the FDCPA. In all of the companies responses they have failed to mention how, where, or from whom the information was obtained. MY character continues be defamed, willful injury, emotional distress along with my credit and defaming of privacy. Under the 4th Amendment and Federal laws I am protected, my 4th Amendment Rights have in fact been infringed on as my " rights to be secure in my papers " has not been constituted in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXXXXXX-Balance {$39.00} XXXX-Balance {$260.00} XXXX-Balance {$180.00} XXXX XXXXXXXX XXXXBalance {$0.00}
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time
Product: Bank account or service

I opened a checking account with M & T bank. I am now being charged an overdraft for not using the account for a while. I wonder if the overdraft protection law covers this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to discuss a reinsertion issue with Equifax. I disputed a XXXX Collections account on my consumer report due to it being inaccurate information and fraudulent because my information was shared without my consent. The account was deleted. I received a report from Equifax recently stating that the account was added back to my consumer report. This account was added back without notifying me which is a violation pursuant to 15 USC 1681i. Also, how are you all going to delete an account and then re-insert it? Furthermore, when assessing my other two consumer reports, Equifax is the only consumer reporting agency that has inaccurate information pertaining to this account. I have attached proper documentation for you to assess yourself. Per 15 USC 1681i, Equifax must report 100 % maximum possible accuracy. This is not accurate. Please delete these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a significant error on my credit report, which pertains to late payments. I believe that this error is in violation of the Fair Credit Reporting Act ( FCRA ) and has negatively impacted my creditworthiness. 
Below, I outline the details of the issue : Description of the Error : On XX/XX/2023, I obtained a copy of my credit report from My annual Credit Report and discovered an error in the reporting of late payments on my credit history. Specifically, the report indicates that I made late payments on XXXX XXXX for the months of XX/XX/2023 when, in fact, I have a documented record of making all payments on time during this period. All this payments were initiated before the due dates in XXXX  but posted late due to USPS delays.

Evidence of Timely Payments : I have attached copies of bank statements, receipts, and other relevant documentation that clearly demonstrate my consistent and timely payments for the mentioned months. 
Contact with the Creditor : I have also contacted XXXX XXXX ] regarding this issue and provided them with the necessary evidence to rectify the error. However, despite multiple attempts, they have failed to correct the inaccurate information on my credit report.

Impact on My Credit Score : This erroneous late payment information has significantly impacted my credit score. As a result, I have faced difficulties in obtaining credit, securing favorable interest rates, and even encountered challenges in housing and employment applications.

I believe that this error is in violation of the FCRA, which requires credit reporting agencies and creditors to provide accurate and up-to-date information on consumers ' credit reports. It is my understanding that the FCRA also mandates that consumers have the right to dispute and correct inaccuracies on their credit reports.

I kindly request the CFPB to investigate this matter thoroughly and take appropriate action to rectify the error on my credit report, as well as hold the responsible parties accountable for any violations of the FCRA. I also request that my corrected credit report be provided to me, as well as any other affected parties. 
Please find attached copies of the relevant documentation to support my complaint. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 
Thank you for your time and consideration.