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

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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : Central Portfolio Control However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account does not belong to me. 
Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX afternoon, My name is XXXX XXXX XXXX XXXX, Re : Removal Request for Inaccurate Information from Credit Report Dear Sir/Madam , I am writing to request the immediate removal of inaccurate information from my credit report. According to my recent credit report, there is an erroneous entry regarding this act of Identity theft. 

XXXX let me thank you for the opportunity to explain my horror story. I was a victim of a car jacking/robbery where my Identity was stolen and used by a thief by the name of XXXX XXXX XXXX The criminal used my ID to purchase high end items and an apartment and was living in it. The Felon is a XXXX Light Skinned XXXX American with gray facial hair, I am a XXXX XXXX XXXX XXXX with no facial hair. The low life that has made my life a living XXXX was actually arrested and apprehended in the apartment that was fruduently leased in my name. I work for the United States XXXX XXXX XXXX and if you look at my credit report this is the only thing keeping me from living my life. XXXX has deleted it already ( Please refer to attachment ) XXXX is in its last steps of deleting it ( Please refer to attachment ), and XXXX has now filed a Fraud Case and should be deleting it shortly. 

I have carefully reviewed my credit report and found that this information is incorrect. I have never had any association with the account mentioned above, and I have never been delinquent on any payment to any creditor. Therefore, I request that you remove this information from my credit report as soon as possible. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. As per 15 U.S. Code 1681b, I am requesting that you take immediate action to correct this erroneous entry and send me a written confirmation of the removal of the information from my credit report. 
Please be advised that failure to comply with my request within the stipulated time frame will result in legal action against your company. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

am filing this formal complaint regarding Experian and Equifaxs failure to comply with federal laws that protect XXXX XXXX XXXX XXXX in credit reporting disputes. Despite providing both credit bureaus with the necessary documentation confirming my identity and my status as a XXXX XXXX XXXX, my dispute has been ongoing for over a month, and my requests continue to be denied without valid justification. 

In addition to their failure to act, I have identified that some of the accounts in question contain inaccurate or conflicting information that does not match my identity. These discrepancies further prove that these accounts should not be associated with me. I have already uploaded documentation reflecting my correct information, yet Experian and Equifax continue to disregard the evidence I have provided. 

Under the XXXX XXXX XXXX XXXX ( DBRA ) [ 15 U.S.C. 1681c-3 ], consumer reporting agencies are legally required to remove adverse credit information resulting from XXXX XXXX once proper documentation has been submitted. Additionally, the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ] mandates that credit bureaus investigate disputes and resolve them within 30 days. Their continued failure to act is a clear violation of both federal laws. 

Given the above, Experian and Equifax are in direct noncompliance, and I am requesting immediate intervention by the CFPB to ensure that they : Immediately remove all negative items resulting from XXXX XXXX within 7 days of receiving this complaint. 
Correct or remove any accounts that do not accurately reflect my personal information. 
Cease further denials of my valid documentation and comply with the DBRA and FCRA. 
Provide written confirmation of the removal of these collections from my credit report. 
Experian and Equifaxs failure to process my dispute properly has placed undue hardship on me and has prolonged my XXXX. I urge the CFPB to take swift action to enforce my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Capital One that I opened in XX/XX/XXXX that was sold to Portfolio Recovery in XX/XX/XXXX. At that time, the charge for XXXX XXXX was added to my credit report and Capital One took their report off my credit report. On XX/XX/XXXX, XXXX XXXX showed paid off and was removed shortly after. Capital One then added itself back on to my report a few days later. I contacted XXXX XXXX, advised them of the issue and they indicated that they reported to Capital One I paid the collection. To date, Capital One still shows that I owe them money and it is really affecting my credit. I have disputed with the credit bureau and they state that the report is correct and won't remove it. Please help me remove this item from my report because I already paid the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint about Experian through CFPB and Experian stated that the complaint was general and not specific enough for them so they closed the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XXXX XX/XX/XXXX to remove/delete these items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX PXXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$380.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$680.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX 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 in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

XXXX CAPITAL ONE CREDIT CARD ADDED ME TO A BLACKLIST DUE TO XXXX DISCRIMINATION RESULTING IN AUTO DENIAL OF CREDIT IN RETALIATION TO A COMPLAINT FILED ON XXXX SEE COMPLAINT XXXX THIS PREDATORY BEHAVIOR HAS LANDED THE COMPANY IN TROUBLE RECENTLY IN THE XXXX District Judge of the XXXX XXXX District Court for the SXXXX  District of TEXAS XXXX XXXX, I HAVE A 100 % PAY HISTORY, WITH NO COLLECTIONS THIS TYPE OF DISCRIMINATION IS AGAINST THE LAW.
Product: Credit reporting or other personal consumer reports

Your response has greatly angered me! How can you dismiss my request for help with my credit report as if it's unimportant? Your explanations are illogical, and it seems like you're completely ignoring my concerns. This account need to be removed : XXXX XXXX XXXX XXXX 

I am not playing games I genuinely believe I am a victim of identity theft. I have provided you with all the evidence like my FTC report and you are suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. Other credit bureaus like XXXX and XXXX have already removed the account from their records due to the inaccuracy of the account, and Im wondering why youre still reporting this account?

If you need more information, please ask directly. Do not hide behind complex language and confusing explanations. I want this resolved quickly, and I mean immediately. If you still refuse to listen, at the very least, honor my request and add the statement of continued dispute to my credit report, as I requested. I refuse to give up, and I expect you to step up and correct the mess you've made of my credit report.
Product: Student loan

In XX/XX/XXXX, I spoke with Discover Student Loans regarding changing my due date to the XXXX of each month. Discover agreed to change the due starting XX/XX/XXXX as stated on the document. The loan was set up on the automatic debit. Loan payments were being debited on the XXXX of each month. I again spoke with Discover Student Loan customer service to request the due date change to the XXXX of the month. Discover stated starting XX/XX/XXXX, the due date would be changed. On XX/XX/XXXX and XX/XX/XXXX, Discover processed an automatic debit for loan repayment from my checking account. These payments were returned unpaid and my Bank assessed me a {$30.00} charge each time. Discover has committed a violation of Regulation AA. Discover mislead me in their communication that the due date would be changed to XXXX of each month. 

On XX/XX/XXXX, Discover informed me that my automatic payments would be stopped and I would lose the discount associated with automatic payments.
Product: Checking or savings account

I mobile deposit a PNC check for {$700.00} the funds were placed on a hold. I called the hold department the check was verified and money released in the morning. In the afternoon I received a notice the check was being returned for it was fraud. I called the hold department at PNC was told its a bank error. My pay check on XXXX  now will be in the hole for {$700.00}. PNC did nothing to resolve this problem no credit to my account offered just they can refund my overdraft fees. I have bills that now will not be paid by a human error at PNC. Not happy
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I believe Paypal is scamming me, and from Internet research I have witnessed numerous complaints from others about being scammed by this company. I have {$540.00} in donations at Paypal for donations to help the XXXX XXXX XXXX XXXX. For two weeks, I have been unable to acquire these funds. When I call Customer Service, I listen to recordings for five minutes ; the phone calls ends each time with " We are unable to assist you at this time. '' I've been communicating with Customer Service agents for two weeks. On every occasion, I have been directed to a phantom link. When I try to respond and say " this is a phantom link, '' I realize that they have terminated my chat session and I can no longer respond. I received an email from XXXX, and receive an additional phantom link. When I write back, I'm told that I need to go to the same Customer Service chat that has given me several phantom links. On line, the website refuses to accept my bank account despite all data being correct. The website further rejects my new phone, blocking my need to receive a code to enter. I believe I am subject to a scam. I have never experienced anything like this, and two weeks of my life are now wasted on this fraudulent company.
Product: Checking or savings account

I received letters that the bank is closing my accounts due to risk but did not receive letter for my account XXXX Why is this account open but all the other accounts to be closed due to risk??? 

Please investigate this further because it makes very little sense to me.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report with transunion a few months ago made a complaint it was supposed to be corrected. It was removed and put back as a current deliquent account. I had requested that it was corrected and then it is now placed back on there as of XX/XX/2023. This is very damaging as I am working on my credit report and nothing has been fixed. At this moment due to the damage that this is causing I am requesting it be removed not only that, but a mometary payment becasue at this point it is very damaging and keeps causing my closing date for my house because I have to keep disputing these same accounts,
Product: Credit reporting or other personal consumer reports

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. 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 they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 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 contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX and Bank of America ( co-owner of XXXX ) have not provided consumers like myself with any substantial information regarding what special actions and responsibilities these companies are taking to protect consumers like myself who have been victims of XXXX 's own admitted error in processing over XXXX ACH transactions, including a XXXX direct deposit for {$5700.00} which should have been credited to my personal Bank of America checking account on XX/XX/XXXX. 

Neither XXXX or Bank of America have published press releases or consumer advisory text or audio messages, emails, letters, or disclosures on their respective web sites, and in addition on Bank of America 's website, online banking portal, or mobile apps. 

BOA had the audacity to advise customers that they didn't need to do anything!? REALLY!? Affected Customers like me still have to pay or bills, including mortgages, rent, car payments, and every other creditors. ACH continued to DEBIT my BOA Account for other transactions. 

XXXX lack of transparency, virtual ZERO communications with any specific information as to how customers will be compensated for overdraft and late fees for an error that XXXX has publicly admitted was their fault caused by human error. It's now been 5 days and I still have not received my XXXX direct deposit. I received a letter from the XXXX on XXXX ( dated XXXX??? ) the I would receive an ACH direct Deposit AROUND XX/XX/XXXX to make my benefits through XX/XX/XXXX " current ''!? XX/XX/XXXX!? For a payment due me on XXXX? 

XXXX and the Federal Reserve supposedly process or settle transa tons at least 6 times a day, and yet it's somehow okay to delay my XXXX payment for more than two weeks!? Ridiculous! 

BOA says they are not at fault and not responsible. Yet BOA is one of the largest co-owner commercial banks that OWN XXXX and the only privately owned ACH network. XXXX XXXX XXXX has already announced the would not charge affected customers for overdraft fees and late fees related to this fiasco? Why is XXXX and BOA giving its customers the silent treatment? When I have tried to contact BOA to ask these basic questions, I either can not reach an BOA chat or phone agent at all, or placed on hold for in excess of 30, 45, 60+ minutes only to be told they don't have an answer, or even worse get disconnected from active chat sessions or telephone calls. I'm talking about every BOA Chat agent I was able to finally to contact, including BOA XXXX NY chat agents XXXX, XXXX, XXXX, XXXX, etc. Every chat agent disconnected rather than answer my two basic questions. Same outcome with every BOA telephone agent as well. Disconnected rather than provide answers to basic questions regarding the XXXX debacle.
Product: Debt collection

I was contacted by a third party company that stated that another company only giving the name of XXXX needed documents from me. Their phone # came up as XXXX a indaina phone number. My daughter receives XXXX XXXX so my assumption was that it was something for her XXXX because we have to send updated documents all the time i did ask what it was in regards to but he just told me it was for documents they needed and gave me phone number to call and a file number i thought it was unusual but called agian because i thought it was for her medical needs. so i called the number it was XXXX XXXX company phone # XXXX I gave them the file # XXXX and he stated it was a collection account from 2008 ( 15 years ago ) I stated that it was past the collectable time frame for Indiana. he proceeded to say that he was going to pursue court action against me and put leans against my property to include my home and vehicles and he had pulled a copy of my credit report to see what debt and assets i currently had. he also stated he would garnish my wages when i told him i was XXXX that did not dissuade him. I feel like this company not only got me to call them under false pretenses but also broke the law under the cfp act
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope XXXX day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.