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

I have disputed the XXXX XXXX XXXX XXXX account that is showing on my credit report. This account is a civil judgment and shouldn't be reporting on my credit report. Experian did a dispute and it came back with no updated results and it's still showing on my credit report. I have spoken with a supervisor and stated that I was trying to establish that this was a civil judgment during the dispute with XXXX XXXX and for them to answer that it was a indeed civil judgment. A previous conversation with a XXXX I was told that XXXX XXXX directly towed Experian not to remove this account. Experian States on their actual site that civil judgments do not report on credit reports. As per consumer law no civil judgment information is to be reported on a credit bureau report. Experience is clearly in violation of my civil rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a debt validation letter to XXXX XXXX XXXX regarding an account ending in XXXX, with a balance of {$37000.00}, originally from XXXX XXXX  XXXX To date, they have not validated this debt. Despite my dispute, Equifax continues to report this debt as accurate. I request XXXX XXXX XXXX to cease all collection activities and report the debt as " Paid in Full, On Time '' to all credit reporting agencies. Additionally, I request Equifax to update my credit report accordingly and to notify any company that accessed my credit report within the specified timeframes.
Product: Credit card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal of anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Midland MCM on XX/XX/2020 asking them to validate an account that they are reporting on my credit report. I requested the original application with my personal signature on it and have not received it. 

I am a XXXX working with COVID-19 patients everyday and that alone is extremely stressful. Not to mention risking my own life day in and day out going to work taking care of infected patients. To add to my stress, Midland MCM keeps reporting something on my credit that does not belong to me. This is more than I can bear.
Product: Credit reporting or other personal consumer reports

Southwest Recovery 's keep reporting open balance on my credit and is illegal to report a collection account as open account please remove this information from my credit report. 

ALSO CHILD. Support WAS CLOSE AND STILL SHOWING UO AS A COLLECTION
Product: Credit reporting or other personal consumer reports

XXXX and Equifax has failed to fulfill it's legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed accounts, as XXXX and Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unresolved Credit Report Disputes Dear CFPB Representative, I am writing to request your assistance regarding unresolved credit report disputes that I have been experiencing with all three major credit bureaus : XXXX, Experian, and XXXX. 

Beginning in XX/XX/XXXX, I initiated my first round of disputes concerning inaccuracies on my credit reports. Since then, I have undertaken six rounds of disputes, with the latest submission made in XX/XX/XXXX. Despite my repeated efforts, none of my disputes have been properly processed or resolved. Instead, I have continually received what appear to be stall letters from each bureau, failing to address the specific inaccuracies I have reported. 

I am enclosing copies of all correspondence and documents I have sent and received throughout this process, including a notarized letter that outlines each dispute and the supporting evidence provided. I believe these documents demonstrate a clear pattern of non-compliance by the credit bureaus in adhering to the Fair Credit Reporting Act ( FCRA ) guidelines. 

I respectfully request that the CFPB intervene to ensure that the credit bureaus conduct a thorough investigation into my disputes and provide a comprehensive response, as required by law. This matter has caused significant frustration and inconvenience, and I am seeking a resolution that corrects the inaccuracies on my credit reports. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in ensuring that my disputes are addressed appropriately. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Automotive Credit on account numbers # XXXX, XXXX and XXXX have responded in sync with XXXX stating that they investigated my last CFPB complaint and found all reporting to be accurate. The findings were false and clearly not even accurately looked into. It seems to be that both companies simply just stated all was correct to advoid actually looking into and addressing the incorrect reporting. 

A simple example of this is attached here to with the photo of my Credit report showing the automotive credit tradeline. As you can see the status and balance were updated XXXX of XXXX, however when looking at the month of XXXX its stating that the payment was 60 days late.. how can some thing updated in XXXX say that the month of XXXX is 60 days late? In fact it was not late in fact none of the payments have been late. Furthermore we are in XXXX and they havent reported for XXXX, XXXX, XXXX or XXXX despite payments now being made for all months though XXXX, cause we are actually paid ahead and in no way late ever on these accounts. 

Automotive Credit and XXXX have been Falsely and fraudulently reporting incorrectly and causing me harm to my credit profile and borrowing ability cause of their total neglect for accuracy
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing errors, particularly late payments that don't align with my usual payment history.
Product: Credit reporting or other personal consumer reports

I am requesting an severely investigation 15U.S.C 1681c upon XXXX XXXX with an Account that is paid in full from XXXX that is still reporting inaccuracies on my Experian credit report .other Credit reports does not obtain this XXXX XXXXXXXX from XXXX on my credit report .I also reached to XXXX  XXXX during to the data breachi was not nofited or contacted ... it is unlawful change in deliquency dates, misreported active payment history showing repeated c/o showing close accounts ..Due to statue of Limitation i would like to have XXXX XXXXXXXX from XXXX Removed off my credit report It's afftecting my ability to get credit /Obtain a Home
Product: Credit card or prepaid card

I opened a XXXX XXXX credit card of XX/XX/XXXX. The bank that administers the account is Comenity Capital Bank out of XXXX XXXX TX. 

My first complaint about Comenity Capital Bank is they do not have any auto pay function on their website. It is clear they are looking to charge a late as a tactic to make money. My major concern is when, I opened the card the cashier at XXXX XXXX said I should apply for a store card because it has zero interest for 12 months. He explained that after 12 months the card would start charging interest which has been typical in my lending experience. Never did the store associate explain they would charge all the interest for the promotional 12 month period. I have been making minimum payments on the card for the last 12 months and the statement reminds you that you need to pay off the balance or you will be charged ACCRUED interest charges. I'm not a finance major and was not aware that accrued means ALL interest. As I mentioned early, I was told the interest would start after the 12 month promotion so I didn't pay attention to the term accrued interest. When applying for the card all I signed was a 2 '' x3 '' LCD screen which is the " AGREEMENT. '' I took the associates word for how the terms of the credit card work since it is impossible to read the " terms of agreement '' on the tiny screen. It was my error for not viewing my credit card statement in detail each month, but today XX/XX/XXXX I noticed a charge for {$280.00} for the accrued interest. I was told that the interest would simply start at the end of the 12 month period. I called Comenity Bank and was transferred four times and they said sorry nothing they can do and I signed an " agreement '' ( which was on a 2 '' x3 '' screen ). I explained my concerns and told them they are intentionally misleading consumers starting at the XXXX XXXX store. They said I should have looked at page three of the statement where it told me what the accrued interest was in same small black print as the rest of the various numbers. I asked why they couldn't put this on page one in bold red numbers saying this is what you will have to pay if you don't pay your account by the specified time. This is clearly a tactic they use to generate revenue. It isn't at all transparent and it is predatory in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2021 regarding an inaccurate item on my credit report. Over 45 days have passed, and I have yet to receive a response. I feel as if my dispute is being neglected and Im being disregarded. According to Section 611 ( a ) under FCRA, states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days, therefore it should be delete immediately or litigation will be pursued due to the stress this has caused my life. Additionally, my information was impacted by the Equifax data breach and may have comprised.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year> to the Credit Bureaus requesting that they reinvestigate the disputed accounts from my credit report as well as temporarily correct this account from my report during the investigation period. Upon reviewing my updated Credit Report, I realized that no correction was ever made on my Credit Report! As of this date, the Credit Bureaus have failed to respond to my requests. The 3 credit bureaus are required to authenticate this account under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate and correct the unverifiable account below : XXXX XXXXXXXX Balance : {$12000.00}.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to unauthorized information listed on my credit report and a violation of my privacy rights. A bankruptcy record has been reported on my credit report without my consent and without valid authorization. This record is listed as a public record, which I believe is not compliant with the standards for accuracy and privacy required. Credit reporting agencies are required to ensure the accuracy and privacy of the information, and is restricted with the dissemination of personal and private information by third parties- the listing of this bankruptcy on my report appears to violate my privacy rights under the law.
Product: Debt collection

Every 2 years since XXXX or XXXX, XXXX XXXX, now it's Southwest Credit Systems, has been ruining my credit on XXXX. Throughout the years, they have sent collection companies from different states that continue to call me during all times of the day from different phone numbers. I have to dispute this every time. Then my credit scores go up after it's cleaned from my credit, and then it crashes when XXXX XXXX ( Southwest Credit Systems ) finds some way to get into my credit. It's been a repeated cycle since XXXX, resulting in XXXX or so points dropping each time. My consumer rights have been violated with these tactics. I am also worried that I'm a victim of identity theft. I have no business with XXXX XXXX and Southwest Credit Systems.
Product: Payday loan, title loan, personal loan, or advance loan

I have never been late in paying any accounts, and I always pay on time and did not give written consent for the reporting of these late payments. The account with reported late payments on my credit report is inaccurate and does not reflect my actual payment history. Ally Financial 's reporting of this late payment violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, as they failed to ensure accurate reporting. I request immediate investigation and that the status be changed to " on time, '' reflecting my true payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX, XXXX Account # xxxxxxxxxxxxx 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently. The scammers had my mail forwarded to make it seem as if I actually requested for credit. They used a fake ID and fake documents.
Product: Credit card or prepaid card

On XX/XX/XXXX of this year, I received a letter from CHASE bank notifying me that my credit card account would be closed on XXXX XX/XX/2021 because CHASE had previously closed a previous account. 
This card, which the bank has unfairly decided to close, was opened this year when I applied for rewards at XXXX XXXX XXXX. Once I received this credit card that was issued by CHASE, I believed that the bank had already reviewed everything and decided to approve me and that there would be no backtracking in this decision. 
I was approved and started using it and accruing benefits soon. 
It is the second time that I have suffered unjustly this type of damage from this institution. Last year without any explanation, my business account was closed despite the claim that I made and this year while I was enjoying the benefits of this second chance with this institution, I also received this discriminatory action towards my person and my credit. You can check my credit history to verify that I take good care of my finances and I consider this to have happened as a violation of my rights because I have not committed any fault for them to take this type of action on me and affect my economy. 
I am very sorry that this type of situation is repeated and affects people like me who do not deserve this type of damage due to unfair and discriminatory decisions. 
I hope you can reverse this situation and give me the opportunity to reestablish good relations with this banking institution. 
I can attach a copy of the letter issued by the CHASE bank last XXXX.
Product: Checking or savings account

On XX/XX/2022 at around XXXX I received a call from my realtor stating she had received a phone call from someone at the electric company stating they were getting ready to shut off service. She provided me with the phone number of the service man XXXX and the number I could callback to make payment which was XXXX. Upon speaking to the representative XXXX XXXX at XXXX XXXX  I was advised the balance of {$990.00} needed to be paid in order for me to not get shut off. I started crying and told him I had no mean to pay that whole amount at the time. He stated I could pay {$490.00} to avoid disconnection. He directed me to pay via XXXX through my banking institution and asked me to type the XXXX recipient as XXXX XXXX. He asked me to send proof of payment to a number XXXX and then to another XXXX. Upon receiving that payment he stated that he couldn't stop disconnection and that I needed to pay the additional {$500.00}. I went ahead and paid the {$500.00} balance via same method. 
On Monday XXXX when I checked my electric billing account, I didn't see the money deducted and I immediately called XXXX whom informed me that they never called to collect payment. They advised me to call my bank and file a claim. I called my banking institution and filed a claim which they have denied due to the fact that they payment was made with XXXX and they claim they can not get the funds back. When I checked my banking institution the XXXX recipient appears as a XXXX with a phone number of XXXX. 
I have filed a police report.
Product: Credit reporting or other personal consumer reports

I was checking identity theft information through my XXXX account. It had a link to EquiFax. When it opened my address had been completely changed. It listed my po box as an apartment number and had my po box number listed in another town, the next one over. This happened once before with XXXX. A triple credit bureau monitoring had been set up through XXXX after confirmation of a data breach " XXXX or earlier ''. My password had been changed and my cell phone was blocked ( I haven't had an XXXX landline since XXXX, XXXX ). I was finally able to access my credit report through XXXX and found ALL the fraudulent information was put back on my accounts. the spelling of my middle name had been changed. I filed a dispute at that time and it was fixed. This time I have been locked out of BOTH XXXX and Equifax. I called but am unable to update the information until tomorrow. I am being targeted. I have filed XXXX, FTC, FCC, and Identity theft reports giving the name, address, landline number, XXXX XXXX business account phone number and all were verified by the data breach. The IRS is currently investigating possible identity theft for my current tax filing. I DO NOT HAVE A COMPANY!
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

For many years, I have had a credit card issued by USBank. I also have a checking account with USbank.

I have paid my credit card balance from my USBank checking account using the online USBank payment function in my credit card account. I would schedule online payments on the due date. I was able to schedule payment on the due due regardless of whether the due date was a weekend or holiday.

Recently, USBank implemented a new online payment facility. The new facility no longer has the online payment function in my credit card account that I had been using. There is a new online payment facility for all accounts that doesn't allow payments to be made on weekends or holidays. 

Last month, my credit card payment was due on Saturday XX/XX/XXXX. The USBank payment facility did not allow me to make a payment on XX/XX/XXXX. I made a payment on the next business day XX/XX/XXXX. I was charged a late fee and interest. 

According to the CFPB website " If your payment is due on a day on which mail is not delivered ( such as a Sunday ) and you mail your payment, you can not be charged a late fee if your payment arrives on the next business day. '' And also " if you pay online you must make your payment on the day it was due even if that day is a Sunday or holiday. ". 

Currently the USBank system doesn't allow online payments on a Saturday, Sunday or holiday. So it is reasonable that I shouldn't be charged a late fee until the next business day because USBank won't accept online payments until the next business day.