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

In accordance with the Fair Credit Reporting Act Convergent Account # XXXX  XXXX Bankruptcy XXXX XXXX Bankruptcy, 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. section2 : States a consumer reporting agency can not furnish a account without my written XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXXXXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX  XX/XX/2022 TransUnion
Product: Credit reporting or other personal consumer reports

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> I submitted a dispute with Equifax to remove a collection account that was inaccurately reporting on my credit file. I provided proof showing that the collection had been paid and that the agency had also agreed to remove the account from my profile. On XX/XX/year> Equifax emailed me saying that they had reached out to the collection agency and verified the information as accurate. This is not true because the collection has been paid and the collection agency had also sent an email stating that the account was paid and i provided Equifax with the email from the collection agency showing this. This error committed by Equifax is preventing me from obtaining housing which in return is effecting my livelihood. I am once again requesting that this incorrect information be removed from my credit report As soon as possible as it is violating my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed an account on my Experian credit report that did not belong to me. The account was listed as XXXX XXXX. I filed a dispute with Experian. 

On XX/XX/year>, Experian closed the dispute and notified me that the creditor said the debt was valid. I then called them for more information and they advised me to contact the creditor. 

On XX/XX/year> I called XXXX XXXX and explained the situation. They confirmed that there was no debt under my name or social security number, but were able to identify the account in question. It belonged to a friend of mine, XXXX XXXX, who used my name as a reference on his graduate school application. I am not a cosigner on the debt, and XXXX confirmed that they did not understand why it would be showing on my credit report. They did not know if there was an issue in the way they were sending the data to Experian, or an issue in the way Experian was processing and reporting the data, so they could not fix the issue.
Product: Credit reporting or other personal consumer reports

Being a knowledgeable customer who is aware of the Fair Credit Reporting Act ( FCRA ), I am utilizing my rights as outlined in Sections 609 and 611 to dispute these errors and ask that they be fixed.

I'm very worried and distressed about the discrepancies that I found because they could negatively impact my credit. It is concerning and unsettling that there might be a detrimental effect on my well-established reputation for upholding perfect financial standing. 

My urgency in this matter is increased by the knowledge that these mistakes may affect how prospective creditors view me. Your prompt action to correct the errors on my credit report is crucial, as evidenced by the potential difficulties I may encounter when applying for credit. 

According to FCRA Sections 609 and 611, I respectfully ask for your prompt response. I sincerely hope that this matter can be settled quickly in order to get rid of the unnecessary mistakes that have been reported on my credit report. 

Finally, I would like to express my gratitude for your quick response to this important issue and my hope that it will be resolved soon. Do not hesitate to get in touch with me if you need any more details or explanation. For your time and anticipated cooperation, I thank you in advance.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX presumed that no proof of the allieged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXXXXXX XXXX. {$4000.00}, XXXX XXXX XXXX. {$600.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$34000.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX told me that the cost of my XXXX work would be {$40.00} because my wife had really good insurance. Then after the work was done it was {$450.00} because there was some kind of error. They told me they would do an audit of my account to see what the difference was and get back to me. They never got back to me. They just sent me a bill which I did not pay because they told me they would do an audit of the account. My wife and I called them numerous times and they never gave an explanation. If they had told me it would have been that expensive at the start I would not have had the work done. <P/>Then we came to find out that they reported the account to collections as it is now on my credit report to AWA Collections on XXXX XXXX, 2016. AWA has never contacted me to get the debt resolved they just added it to my credit report which I feel is unfair.
Product: Debt collection

I am repeatedly being telephoned by XXXX XXXX with threats of action to collect a vague debt. They often threaten legal action or other steps to resolve the matter. I have never had any type of business with XXXX and have stopped doing business with companies that use them. Despite repeated attempts to get them to stop, they continue to call me multiple times a day. I understand that this is common behavior for this company. This abusive behavior needs to be stopped. Their tactics likely scare people into paying debts that arent theirs. I hate to think of the damage they have caused.
Product: Mortgage

I have a XXXX XXXX XXXX  through Loan Depot. I have had the loan a little over a year now. I am also a 100 % XXXX veteran through the VA ( Veteran Affairs ). In Colorado, my status as a 100 % XXXX veteran rates me a tax exemption for the first {$200000.00} in value of my primary residence, which is the subject property of the XXXX  XXXX through Loan Depot. On XX/XX/XXXX, I sent proof of my tax exempt status to Loan Depot that would apply to the upcoming tax payments in XX/XX/XXXX and XX/XX/XXXX. Late XXXX I received correspondence from Loan Depot informing my my payment would be going up, not down like I had anticipated. I called Loan Depot to inquire about this and was informed by the representative that they had not received any documentation from me. After I found the email in my sent box and informed them of when it was sent, they somehow came up with it, which leads me to believe that it was simply overlooked. They said they would file a request for review that would be completed in 3-5 days. After a few weeks and nothing changing I called back to ask what was going on with the review. The acted as if they had no knowledge of things and filed for another " review. '' This had no result or effect, so after the actual tax bill arrived that showed XXXX payments of {$1100.00} ( significantly less than the {$1300.00} Loan Depot has been saving in escrow for each payment ) I called again and informed Loan Depot that I had an actual number and the difference was {$120.00} per payment and I wanted either my monthly payment reduced to recognize the difference or I wanted an escrow refund check sent to me for the difference. I informed the rep, at that time, that I could scan and email Loan Depot the tax bill as proof, to which she responded that she didn't need it. This resulted in another " review '' which, again, had no effect on my monthly payment or the return of the difference in the tax bill from what was being withheld. Today, I called and the rep I spoke to once again had no prior knowledge or understanding of the situation and asked that I tell them the whole story again. My tax bill for XXXX has already been submitted to the county in the amount of {$1300.00}, {$120.00} more than what was supposed to be paid. They informed me this time that they did not have a number to base any escrow adjustments off of. I informed the rep that I had offered to send in the tax statement over a month ago but the last Loan Depot rep I spoke to told me she didn't need it. He apologized and said that actually they do need it. I expressed my frustration for the terrible communication and customer service and informed the rep that since, after my XXXX or XXXX attempt, there was going to be no resolution to my problem by the end of the call that I would be filing a complaint with the CFPB. The resolution I am looking for is simply recovery of the difference in the amount Loan Depot is withholding in escrow for taxes and the amount that has already been submitted to the county for the first tax payment and the actual tax amount owed.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$55000.00} - Chargeoff XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX Account number : XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX  : Account number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Capital One Bank denied my fraud claim on spurious grounds. They did so based on the existence of " Chip '' technology in a card. Coincidentally, this was when closing the account, or trying to, an moving to my credit union. I asked for how they make their findings that the fraud I asserted was, as they claim, not fraud, and they again claim it was because of Chip Technology.

It is my belief that Capital One was and is using this rejection of a fraud claim to disallow account closure. It is worth noting that this fraud claim situation is unusual for me. Which is to say, Im not a habitual claimant. I have maintained a positive business relationship with Capital One over 5 years, a term which included satisfying auto loans, credit cards, and savings accounts held in good standing. I have had minimal history of disputes, which really shouldn't matter as they are outside my control, and this is the only time a fraud claim has been denied.

The denial of this claim also coincidentally occurred after I closed my account while transitioning to my company 's credit union. This timing raises further questions about how my case has been handled, and whether sufficient attention has been given to the actual circumstances of the transaction. Why this claim? 

I believe that Capital One should honor its commitment to {$0.00} fraud liability and remove the disputed charge from my account. The use of a chip does not prove, even to a meager standard, that I authorized any transaction, especially under the heightened risks of fraud I experienced during the disaster evacuation period of XXXX XXXX. 

Enough time has gone by. I do not employ staff nor have a referral division to deal with matters like this. It is painstakingly frustrating to deal with this process knowing the denial is incorrect, poorly supported, and clearly abrupt. 

I will not ever make payment for these unauthorized charges, regardless of any finding you make because sufficed to say its not the right thing to do. I will, however, absolutely defend the merits of my position against any further attempts to cause burden or recovery these unauthorized charges from me. Even while its not a significant sum to Capital One ( ~ {$1500.00} ), its a principled issue and for these same reasons. I hope the matter may be resolved given the sum of circumstances because Capital One clearly is not reading my messages sent and our multiple conversations yield zero forward momentum.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit card

I CONTACTED YOU REGARDING AN INQUIRY INTO MY CREDIT FILE BY XXXX PER MY CREDIT REPORT WITH XXXX. THE REPORT STATED THAT IT IS REGARDING XXXX THE FILE NUMBER WHICH YOU ORIGINALLY ASSIGNED TO ME WAS XXXX FOR THIS CASE. YOU NEEDED MORE INFORMATION AS TO THE COMPANY 'S NAME. THE SAME DAY THAT I CONTACTED YOU TO RE-CHECK INTO THIS CASE, UNFORTUNATELY, WAS THE SAME DAY THAT THE FILE WAS CLOSED- WITHOUT THIS BEING RESOLVED. AS I STATED IN MY ORIGINAL COMPLAINT, I HAVE NOT APPLIED FOR ANY CREDIT CARDS FROM ANYONE IN 10-PLUS YEARS. I WAS ONLY ABLE TO FIND OUT INFORMATION ABOUT THIS COMPANY BY VISITING A WEBSITE CALLED XXXX. THIS SEEMS TO BE THE FRAUDULENT WAY THIS COMPANY OPERATES- PULLING PEOPLE 'S CREDIT REPORTS WITHOUT THEIR PERMISSION. I DO NOT HAVE ANY OTHER INFORMATION ABOUT THIS COMPANY. THE NAME FOR THEM AS LISTED ON MY CREDIT REPORT IS XXXX. THEIR PHONE NUMBER IS ( XXXX ) XXXX. I FOUND THIS INFORMATION OUT ABOUT THEM VIA THE WEBSITE XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX XXXX XXXX XXXX 


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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card through XXXX XXXX Credit Card through XXXX  XXXX opened XX/XX/2019 which was purchased by Goldman Sachs this year. I had payments set on autopay and was never late.

When the acquisition occurred it was not communicated to me by mail or email and the autopayments were shut off. 
I received a notice that a payment was past due from this company I never opened an account with an had never done business with. Confused, I called them and they told us they acquired my XXXX  XXXX XXXX Credit card and they didn't keep my autopay active, I immediately asked if this would affect my credit, they assured me it was not as it was a result of the acquisition and many customers had the same issue. 
I set up autopay and made a payment the following month they didn't process the auto pay and we went through the same process of waiting on hold for 45+ minutes so I just paid the balance in full of more than {$4000.00} on XX/XX/XXXX to avoid dealing with the incompetence. Then, they reported me late and my credit score dropped by XXXX points as a result of their false report. 
I have never had a late payment on this account or ANY account in the last XXXX YEARS of my life. I am BEYOND frustrated with this company, its 45 minute hold time, violations of federal law in both communications, payment and managing acquired customer accounts. 
This business had legal obligations to communicate with its acquired customers regarding automatic payments and it failed to do so. 
This business falsely reported a late payment adversely affecting my account in violation of the FCRA
Product: Checking or savings account

I, XXXX XXXX XXXX, going through a nasty divorce. Somehow back in XXXX XXXX. I reported to my bank of over 20 years, Fifth third bank, XXXXXXXX XXXX That my bank accounts were being accessed. I asked for them to be on hold, until they could figure it out. The gentleman who set up my accounts at that time. About 7 or 8 different ones, was who I went to and talked to for help. I couldn't receive any help, even after turning it in to their fraud dept. They assigned a detective to look at it, and he went back to the bank and ask them to do their job, and then he would do his. He literally told them it was an inside job. I have fault over this since that time, there was never a thorough investigation done. They froze my accounts in or around XXXX. There was funds being transferred from one account to another ... .and the only answers I could get was I don't know, where deposits, Transfers, etc. Went to, even though I was doing all the leg work. I today have still not gotten it settled. They even kept my social security checks ... .I lost everything, couldn't pay my bills, etc. I even told them whom I thought was involved, but nothing was ever done. I would like to know the best way to go to get this resolved. The gentleman who was there when all this happened left after about a year. I was involved in XXXX breach, and never got anywhere with that either. I had a breakdown in XXXX due to everything. I would like to know who to turn to. Sincerely, XXXX XXXX XXXX. XXXX.
Product: Debt collection

XX/XX/XXXX First of all, when a debt collector calls you. They will ask for you. Then ask you to verify your information- not give you the information and then say " is that right? '' I spoke to two different people who said my DOB was XX/XX/XXXX and all I said was " um-hmm '' and then they went on to explain everything about the debt. Next, the debt is over ten years old. It is not even showing on my credit report and the insurance company should have done an appeal like all insurance companies do, if the hospital is covered then the ER physican is covered also. That way everyone gets paid. 

But this over 10 year debit?? and the way the company Credit Management Company gave out information like they were talking to their friend or family. I don't know who they are and they don't know know who I am- I never verified anything verbally. Debt Collectors will ask the person on the phone to give the last 4 of social or the dob and then the address. But they did nothing. 

They violated the Fair Debt Collection Practices Act!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information on my credit file. I have circled the items I have disputed on the attached copy of the report I received. 
This report I received on XXXX shows both credit accounts which are XXXX and Discover. These accounts are fraudulent accounts and were opened without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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 ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Accounts include unknown credit collection {$98.00}, hard inquiries not authorized to run credit score 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

For the last six months Ive sent that multiple FTC reports disputes to regional acceptance in reference to a debt that I do not owe. The debt is fraudulent. I do not assume responsibility for this day it is not my debt. Not sure of how it keeps coming back verified. I have requested something with my signature in my information which can not be provided because Ive never done business with this company Ive never entered into a sign written contract with this company I demand that this debt is removed from my credit report to date thank you.