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

Last summer I was one month late on paying an {$80.00} balance on my XXXX  XXXX XXXX  XXXX XXXX XXXX credit card. I was in the process of moving, switching checking accounts, and forgot to change the autopay setup. Again, my payment was only one month late and I paid the late fee. That {$80.00} represents <1 % of all of the credit I have used with XXXX over the past 8+ years. 

Still, it appears XXXX reported this late payment to the credit agencies ( or at least Experian ). As you can see in the attached screenshot, this one late payment resulted in a >15 % decrease in my FICO credit score. At the current rate, my credit score will take at least two and a half years to recover. 

I have repaid thousands of dollars of debt ( including XXXX in student loan debt ). One late payment of {$80.00} should not result in this big of a hit. This one month late payment - and its impact on my credit score, turning it from very good to fair/good - would probably translate into a 1 % difference in a mortgage interest rate. That in turn would mean dozens of thousands of dollars in additional interest over the life of a mortgage. All for missing an {$80.00} payment by one month!!!! ( And actually, technically I just missed the minimum payment, which is what maybe {$25.00}? ) This is usury is the highest degree.
Product: Credit card or prepaid card

I have a cash app card. They locked my account, ive emailed numerous times to get account unlocked, with no luck or response. I can not get to my own money. I sent proper documentation to verify who I am. Still nothing from cash app team. I also wrote a letter, no response. I got all emails that ive sent to the support team no luck. I just want my own money. Its been over 27 days if not longer. XXXX XXXX email XXXX, number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this credit reporting agency and collection agency numerous times regarding this alleged account. 
I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Collection agency and credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 e-OSCAR is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, Experian, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 

3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXXXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft.
Product: Debt collection

All my online disputes through the Bureaus were closed and determined accurate, I was not provided any additional information. I then wrote and mailed letters via USPS. First letter was in response to debt collector recent claim regarding money I owe showing on my report. Complaint started back onXX/XX/2020. requested proof & evidence which they failed to provide at first and by not replying in a timely manner to my initial letter they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 2nd letter requesting additional information received photocopied inaccurate documents of debt. 3rd letter due to be sent out, which I will notarize.
Product: Credit card

I would like your assistance in obtain feedback from this company as to why they are reporting a charged off and out of date account that has been on my credit files since XXXX? I do not own a account with this company and I wrote to both the company and the credit bureaus in XXXX advising that this account be removed or that I be provided with validation as to the date this account was opened and defaulted upon and provide me with all documentation used to validate balance owed. I have requested this company and the credit bureaus ( XXXX ; XXXX and XXXX ) close out this inaccurate out of date account and update my files accordingly.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

1.lake area collections, several accounts I was on welfare medical, I do not have a cop pay, they were given my insuance card and did not bill my insurance. I have contacted them several times and nothing. 
account number is XXXX, XXXX, account number XXXX for the amount of XXXX, 2.XXXX XXXX XXXX XXXX. again was on state medical and they were given insurance card, amount XXXX account number XXXX 3. XXXX XXXX   account number XXXX XXXX was on state medical insurance amount XXXX and is on report twice account XXXX XXXX amount XXXX,
Product: Mortgage

Background - Mortgage bought out by Mr Cooper. 

Issues - 1. On App -- Payment that was rejected shows payment accepted after. {$1300.00} Both Payments have date timestamps only and no Hour / Minute -- I believed the payment was fine given the Rejected payment was shown before the payment made leading me to believe that it was rejected, and then paid by my wife when she said she tried to fix the issue.

2. The app does not show my total balance owed, it only showed how much I needed to pay for my next payment. I believed I owed no debt resultant of this and had enrolled in auto pay.

3. Mr Cooper made no attempt to collect the debt from me, I found out about the amount owed when I had lost 73 points of credit from one report from Mr Cooper effectively destroying my otherwise ~XXXX credit score. 

I feel this is not ethical, I have an app, an email, phone number, mailing address all registered... I would not feel cheated had there been any attempt to collect debt before reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Dispute of Credit Reporting Agency Dear Sir/Madam , I am writing to file a formal dispute regarding the information listed on my credit report. I have made previous attempts to resolve the matter directly with Equifax, but have been unsuccessful in reaching a satisfactory resolution. 

I want to bring to your attention the following details regarding the dispute : Account Information : Name on Account : XXXX XXXX Account Number : XXXX XXXX Date of Incident : XX/XX/2023 After reviewing my credit profile on XX/XX/2023, I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was and account that I did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect hat the account is disputed and therefore a second validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no update and account is still reflecting on credit report. I do not believe the account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving this account belongs to me and all information is correct.

Enclosed with this letter are copies of relevant documents that support my claim.

I kindly request that the CFPB investigate this matter and take appropriate action to help resolve this dispute. Please keep me informed of any progress or communication with the financial institution regarding my complaint. 

Thank you for your attention to this matter. I appreciate your assistance in helping to resolve this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX IS CERTIFYING A DEBT THAT DOES NOT BELONG TO ME. 
I SENT COPIES OF MY POLICE REPORT TO THE COMPANY AND TO THE CREDIT BUREAUS AND XXXX XXXX KEEPS CERTIFYING WITH THE REPORTING AGENCIES THAT THIS MY DEBT.
Product: Credit card or prepaid card

Suntrust bank opened 2 credit card accounts in my name without permission. I have filed a complaint and am in the process of closing all accounts. Branch manager ( XXXX XXXX, XXXX, VA ) tried to deny the accounts existed, though online banking showed them as active. Once manager admitted the accounts existed she tried to say they were opened in 2016. The accounts were opened within the last 6 weeks. There is a internal investigation from Suntrust.
Product: Credit reporting or other personal consumer reports

On XXXX and XX/XX/year>, I submitted online disputes under section 605c of the FCRA. I included all necessary documentation ; however, both requests were denied with no explicit reason why the request was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove the items which are found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX XXXX Balance : {$9300.00} ; 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  Balance : {$9300.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$9300.00} ; 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 

If you feel there are a possibility these items belongs to me, I will require all documentation that bears my signature ( another research items I found that requires you to remove. If you do not provide any records & claim the items are removed please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed. I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form SETOYOTA FIN DBA OF WO ( XXXX ) - ( XXXX ) XXXX SETOYOTA FIN DBA OF WO ( XXXX ) - ( XXXX ) XXXX
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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX  XXXX A XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

I RECENTLY RECEIVED MY CURRENT CREDIT REPORT AND NOTICED SOME HARD INQUIRIES ON MY REPORT THAT I DID NOT DO, ON XX/XX/2021 I HAVE REACHED OUT TO THE BUREAUS AND HAVE NOT RECEIVED A REPLY BACK OR ANY UPDATES MADE TOWARDS MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
You were advised by me on ( XX/XX/2022 ) by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.
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 furnish, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective to remove or amend the dispute accounts, as Experian inaction violates federal laws and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I met a Man online and asked me to borrow {$74000.00} and give me a fake business address associated with a real TD Bank account located in XXXX New Jersey. He asked me to wire the money to his business account located at TD bank account. When the money was wire from my XXXX XXXX account to TD bank, the fake business address was also sent over to TD Bank. However, TD Bank accept the wire but fail to check the business address associated with the real account. After I wire the money I realized that the business is a scam but the TD Bank account number is real and still open. 
I am asking the CFPB to also look into TD Bank practices to see if td bank is following the law when opening bank accounts and verifying information when accepting wire transfer. 
If TD Bank should have compare the fake business name to the real account and they should have notice that the business name and account number did not match. TD Bank should have rejected the wire and flag the account as fraud. 
I am asking for TD Bank to investigate this fake business attach its name to a real TD Bank account and return the money to my XXXX XXXX account. 
TD Bank account information where the wire transfer went into is : Account number : XXXX Routing number XXXX Also, this man is using a fake name XXXX XXXX also XXXX, also XXXX XXXX He has a paid XXXX profile for creditability under XXXX XXXX. If an investigator would like to investigate his real name you can contact XXXX, XXXX, and TD bank. He is currently a new member at XXXX under a new name XXXX XXXX I reported this incident to the FBI internet scam department, Attorney General, TFC, FCC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting late on the OAG CHILD SU partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account was paid in full and therefore there are no late payments to report. Attached is a copy of my payment history from XXXX, XXXX to XXXX, XXXX from Office of the Attorney General Texas Child Support Disbursement Unit Payment Record. This incorrect reporting is harming my credit score and the line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus for remove this however, I have not been successful.
Product: Checking or savings account

Someone used my information to open a checking account and put in the negative for {$530.00} at XXXX XXXX Bank I have no idea who open this account and it is hindering me from getting another bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX all are reporting that I paid my Wells Fargo mortgage late. I did a Home Modification with Wells Fargo. I even have a letter from Wells Fargo that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. Wells Fargo stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late!

There's also two Wells Fargo Mortgage accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by Wells Fargo but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing ti properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 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. XXXX ) 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.
Product: Debt collection

there were inquires in my credit report that was not authorized by me. 

XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XXXX XXXX : XX/XX/2019