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

My complaint doesn't exactly fit with the descriptions that are available, but I think it's valid. The complaint i have is around inaccurate information being released as part of my credit report. Specifically, when it comes to credit utilization. I fully understand that credit card companies have the right to lower credit limits but when that new number is reported to the credit reporting agencies it causes a cascade of inaccurate results. The key to note is that my utilization hasn't changed so when the credit companies ' lower limits they are in fact influencing the utilization score. Example If I have a card that had a {$10000.00} available credit and I used {$1000.00}, a year later the cc company decides for whatever reason to lower it to XXXX, I've gone from a utilization of 10 % to a utilization of 66 % but the argument stands I didn't utilize 66 %, the credit card company created this utilization and now the user has to deal with the consequences of inaccurate classification and reporting. Which typically lead to other creditors reviewing utilization and deciding they will lower available credit to similar levels, and it just keeps going. I've had this happen a couple of times, and I never fault the creditor it's within their right, but " my utilization '' needs to be the factual number of my use with the credit that I had available. Additionally, I already know Pay down your card to get your utilization percentage back, that still doesn't change the fact that my credit score can be impacted by arbitrary actions a creditor can take. It doesn't change the fact that my utilization score can be manipulated by the creditor and as such is not a true representation of my actual use.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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. 


EQUIFAX 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 reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and Trans Union within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed three credit disputes with TransUnion in regards to a bankruptcy and associated accounts being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XXXX/XXXX/2020. I requested that they provide me the original documentation bearing my signature for this public record and all associated accounts or promptly delete. TransUnion responded to my last request. The response letter was dated XX/XX/2020. TransUnion stated, " Verified AS ACCURATE ''. However, they did not provide the original documentation bearing my signature as requested or provided their verification method each time I have disputed these inaccuracies.
Product: Credit card or prepaid card

Discover Payment for my credit card was due XX/XX/XXXX. On XX/XX/XXXX I did not show my normal {$150.00} fixed amount has processed, so I edited the payment amount to reflect my desired {$230.00}. I authorized XXXX transaction for {$230.00} on XX/XX/XXXX, then on XX/XX/XXXX I recieve an email stating my discover payment for {$150.00} had processed. Now I see an unauthorized payment for {$150.00} out of my account on top of that {$230.00}. I contacted them and they were not helpful gave me the run around and essentially said I was XXXX out of luck for providing groceries for my family.
Product: Credit reporting or other personal consumer reports

FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ) Creditors and furnishers of information must report accurate and complete information. Reporting a charge-off while simultaneously attempting to collect as an active account is misleading and constitutes inaccurate reporting.

FDCPA 807 ( 2 ) ( A ) ( 15 U.S.C. 1692e ( 2 ) ( A ) ) It is unlawful for a creditor or collector to misrepresent the legal status of a debt. If the debt was charged off, it should not continue to be reported as active collection by the original creditor.

FCRA 605 ( a ) ( 4 ) ( 15 U.S.C. 1681c ) A charge-off remains on a credit report for seven years from the date of first delinquency. However, the creditor can not continue to update the status as if it is currently past due when it has been charged off. 

These are the accounts being illegally reported XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) A debt collector must validate a debt within 30 days of my request before continuing collection. If they fail to do so, they can not legally collect on it.

FDCPA 808 ( 15 U.S.C. 1692f ) Prohibits unfair practices, including attempting to collect a debt that is not legally owed due to incorrect assignment, lack of validation, or expiration under the statute of limitations.

FDCPA 813 ( 15 U.S.C. 1692k ) I have the right to seek damages if a collector is unlawfully attempting to collect on a debt they have no legal right to.

Below are the accounts from Collection agencies being illegally reported. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Comenity Bank which takes care of account information for XXXX and other corporations. I reached out due to the fact that I could not make a purchase on XXXX XXXX website. I received an automatic message stating that I must contact Comenity to first validate my account. I called the provided number and spoke with a gentleman who stated that I just needed to update my information and then I would be able to make a purchase. He asked for my mailing address, my phone number, my account number, and the last XXXX of my SSN. He also asked for my income. I stated that I would update my income online. He endorsed that my account can only be validated if I provide my income. I provided him with my income. He then stated that he would need to do a soft credit pull in order to validate my account. I specifically asked him if it was a hard inquiry or soft inquiry. He stated that they do not perform hard inquiries and that I was a soft inquiry. I said that would be perfectly okay. Within XXXX minutes of ending the call, I receive XXXX emails from different credit bureaus stating that a hard inquiry has been performed. I called the same number back and asked to speak to a supervisor. The automatic prompt stated that the line would be transferred to a United States representative. I explained my concern to the supervisor and she stated that there was nothing that could be done and she was not sure why the gentleman would not know about the hard inquiry. She also informed me that my account was inactive and had to be reinstated. I was not told this information nor did I give Comenity Bank or XXXX XXXX permission to perform a hard credit inquiry into my credit report. I am writing because I would like my case to be investigated for illegal activity and to have the hard credit inquiry removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULLED MY CREDIT REPORTS AND FOUND INFORMATION LISTED THAT SHOULD NOT HAVE BEEN THERE. I OFTEN PULL MY XXXX REPORT BECAUSE THEY ARE THE REASON MY INFORMATON WAS LEAKED OUT IN THE FIRST PLACE. DUE TO THEIR HUGE BREACH THAT THEY KEPT FROM CONSUMERS. I NOTICED THAT THERE WERE A LOT OF XXXX  XXXX  XXXX ACCOUNTS THAT HAVE BEEN CLOSED THESE ACCOUNTS WERE OPENED IN XXXX AND YET THEY ARE STILL REMAINING ON MY CREDIT REPORT. I CONTACTED XXXX XXXX XXXX ON TODAY ( XX/XX/XXXX ) AND ASKED QUESTIONS ABOUT MY CREDIT REPORT. I WAS MET WITH HOSTILITY AND QUESTIONS THAT DID NOT PERTAIN TO ANYTHING LISTED IN MY CREDIT REPORT WHICH I HAD IN FRONT OF ME. PER XXXX  " CLOSED ACCOUNTS STAY ON YOUR CREDIT REPORT FOR 10 YEARS SINCE THE DATE OF LAST ACTIVITY '' I HAVE A COPY OF EACH OF MY CREDIT REPORTS. TRANSUNION IS DOING THE SAME THIG. THEY ARE REPORTING AND UPDATING XXXX XXXX XXXX ACCOUNTS AND THAT WERE OPENED IN XXXX. THEY HAVE BEEN CLOSED BECAUSE THEY HAVE BEEN CONSOLIDATED. AND WERE CONSOLIDATED YEARS AGO. XXXX  IS DOING THE SAME. THESE COMPANIES WERE SENT A IDENTITY THEFT REPORT AND REFUSED TO REMOVE XXXX  AND XXXX. ONCE I CONTACTED THESE COMPANIES THEY SAID THEY WERE NOT MADE AWARE THAT A IDENTITY THEFY REPORT HAD BEEN ISSUED. XXXX  SENT ME A LETTER STATING THAT THEY HAD CONTACTED THESE COMPANIES. THEY LIED. THERE NEEDS TO BE AN INVESTIGATON DONE INTO THESE CREDIT BUREAUS BECAUSE THEY ARE CRIPPLING CONSUMNERS BY REPORTNG FALSE INFORMATION AS WELL AS UPDATING INFORMATONON THEIR OWN.
Product: Credit card or prepaid card

I spoke to XXXX in fraud department for over an hour on XX/XX/23 about the issue I was having with a dispute. He assured me that he would personally step in and help Me to resolve the issue with my Ulta credit card. He informed me that he would work with disputes and help me to fix the issue. I agreed the first step that he took was shutting down my old credit card and issuing me another one. I called several times with updates on the account and even was refunded the amount I paid on the card. As per law The investigation can last up to two billing cycles ( around 60 days ), but creditors have up to 90 days if your billing cycle is longer. When there's an error, the card issuer must correct it and credit your account for the disputed amount. This is over the amount of time. I also have a recording of XXXX saying he was working my case as dispute and not fraud. He stated that he was a manager and that he would work it. I called back and he was high aggressive in tone stating that he did not say that and that he had other accounts to resolve. I simply requested he listen to the call and he refused saying that he had other duties to attend to. I am complete shocked by this. I called XX/XX/23 Spoke to 2 different managers and told them about the issue that the amount had been removed for over 90 days they told me that there were no other options. I need to contact them by mail if I wanted to file a complaint that they could not file a complaint for me. That someone would get back to me if I wrote in. They do not have a protocol for complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied online access to FACT ACT Equifax report
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 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

Since XXXX XXXX I have been diligently working to improve my credit scores. 

On XXXX XXXX, XXXX my Experian score improved from Good XXXX to, on XXXX XXXX, XXXX, Very Good XXXX. 
On XXXX XXXX, XXXX my score dropped to XXXX, a 91-point drop. 

I called Experian Membership and they explained that the computer 's algorithm somehow went back and was trying to calculate a " Settled '' account from XXXX XXXX. 

I was told to screen-shot the two scores and the problem would be submitted to the technicians and resolved. THIS ENTIRE EVENT WAS A FOUR-HOUR PHONE CALL. 

The e-mail address I was given was invalid. 

I called the next day and spoke with a supervisor in Membership who promptly apologized for the rep telling me about the algorithm problem with the computer. 

I then asked the supervisor whether he could explain to me the drastic drop in my score and why there was a Late Payment now appearing on my credit score that had not been there for four months previously.
He then proceed to look at my credit report and explained that I had a derogatory account on my credit report, which was the 4-year-old " Settled '' account.
That is why there was a drop in my score.
I then asked as to why it was not scored for the previous four years and within the month, XXXX, it was scored. 

The supervisor began to tell me that I should look at the Score Simulator that Experian offers to its members and it would give me the percentage that late payments are scored into all credit scores. 

I asked of what help that would be to me since I have had no late payments in the last year. 
He did not offer an explanation, so I asked him, " bottom line, can you tell me which creditor, lender, etc. reported a late payment? '' I would like to dispute the late payment with the creditor. 
His answer was, " No '' he could not tell me. 
I then proceeded to ask him how am I supposed to dispute a late payment if your agency can not tell me who reported it. 
Furthermore, how can you place a late payment on my report when you have not knowledge as to who reported it. 
He told me " He '' did not place it there and " He '' could not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I filed a complaint with cfpb regarding medical debt that continue to reappear on my credit report. After my complaint with cfpb the medical debt reporting on my credit report was removed in XX/XX/XXXX now again in XX/XX/XXXX it has reappeared back on my credit affecting my credit score and showing closed in collections. On my report that I filed with cfpb the company said they would remove it from all credit reporting agencies and even though it was removed XXXX, XXXX, and Experian are reporting it again in XX/XX/XXXX. My file number with cfpb that states this will be removed from all reporting agencies XXXX
Product: Checking or savings account

Backstory : I am XXXX XXXX XXXX and have been banking with Wells Fargo 30+ years. I have multiple personal and business accounts with wells Fargo. I have never ever use my debit card for any point of sale transaction or for any purchases. I have only used my debit card for PIN verification for cash withdrawals from Wells Fargo branches. I have never authorized the charges or have never authorized another person to perform the transactions. 

On XXXX : Two unauthorized debit card charges occurred : 1 from T-Mobile ( {$60.00} ) and 1 from XXXX ( {$2500.00} ) The same day I reported both transactions as fraudulent to Wells Fargo , a Reg-E fraud case was opened for the transactions, and the debit card was closed. 

On XXXX : A provisional credit for both fraudulent charges was given by Wells Fargo while the case is investigated. 

On XXXX : The investigation by Wells Fargo concluded. The {$60.00} charge from XXXX was deemed as fraud and reversed. However the fraud case for the larger {$2500.00} charge from XXXX was denied by Wells Fargo. Wells Fargo stated the case was denied because my address was used for the transaction thus I authorized the transaction or authorized another person to perform the transaction. 

On XXXX : The provisional credit for the {$2500.00} charge by XXXX was reversed. I called the Wells Fargo Debit Card Fraud Department who enforced the case denial despite my protest in not authorizing the debit card transaction. 

On XXXX : After the denial letter was received, I visited a Wells Fargo branch and spoke with the banker there. A complaint was filed for the case denial. 

On XXXX : A representative from Wells Fargo 's escalation department called me and reiterated the claim was denied. 

On XXXX : I visited the Wells Fargo branch again to file another complaint. 

On XXXX : A Executive Office Case Specialist from Wells Fargo called me and reiterated the claim was denied. The specialist also suggested for me to contact XXXX who did not provide any information. 

Despite being a loyal customer for over 30 years, I feel victimized by Wells Fargo. I do not know how my debit card information was used for the transactions since I never use my debit card for any purchases.
Product: Debt collection

XXXX collection is in violation of the " reaging '' laws under FCRA act. They claim my husband and I owe a debt first reported as delinquent on our credit bureau report by them in XX/XX/XXXX. After some research into what the debt was I realized this loan was taken out in XXXX and was sold to another company in the same year. At that time I did not pay Sapphire. This delinquent account never appeared on my credit report from the original lender nor did either of us named on the account get any notices that we were deliquent. This collection agency, I suspect, purchased this alleged debt and reported this as " new debt '' as of XX/XX/XXXX. I would like to know when the original lender reports this alleged debt as first going delinquent since that information was not reported on my credit report by ANY other entity until XX/XX/XXXX and only by this company. I want this removed our credit reports immediately under the FCRA law of " reaging '' that XXXX collections has clearly violated.
Product: Credit card or prepaid card

YOUR COMPLAINT Capital one bank sent me a adverse action letter distantly stating due to my history and credit score that I was denied ( which is illegal ) pursuant 15 uscode 1602g we the consumers are the creditors also requesting my social security number on any application or transaction is illegal pursuant 42 us c 4208 reason for denial is creditworthiness which is not clearly 15 usc 1611 defined nor can u discriminate based on credit score becuase that is not accurate or set 12 cfr 1002.4 and 15 us code 1681 b I want my credit which is my right for one not all info reported is consensual per me and not correct so credit one is discriminating me while infringing on my rights and operating illegally its becoming prevalent that is the consumers are the creditors why would capital one deny XXXX XXXX credit not how its all in caps I need their desision to be reconsidered immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Central Portfolio Control # XXXX ( XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.