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

All three credit reporting agencies are reporting an incorrect balance on my credit card. The balance on my XXXX XXXX XXXX XXXX XXXX has been approx. {$13000.00} for several months. The agencies are reporting a balance of approx {$19000.00}. They corrected the inaccuracy couple of months ago, only to return to the incorrect reporting of the $ XXXX figure a couple of weeks later
Product: Credit reporting, credit repair services, or other personal consumer reports

My report is not reflecting the correctly that I have paid down my consumer debt on credit cards to 36 %. XXXX  has reflected that in their report and given me XXXX. Trans union and XXXX  are lagging and under reporting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, Experian, XXXX, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX XXXX XXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX XXXX XXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX XXXX XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with Experian, XXXX, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX XXXX XXXXXXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship. 

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7. 

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by XXXX XXXX XXXX XXXX do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX XXXX XXXX XXXX internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY ID, AND A UTILITY BILL FOR FURTHER VERIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I report XXXX of my creditors information was on my report had incorrect information. Experian was missing payments that were done on time from XX/XX/XXXX to XX/XX/XXXX. I contacted XXXX XXXX XXXX and they explain that Experian had a block on my account to report my payments. I explained to them that was not true since my other creditors are submitting the information. 
However, I notice that Experian deleted the creditor from my file. I called on XX/XX/XXXX to inquiry why this account was deleted. The person that work there could not provide a reason. He was suppose to open a case to have it added back with current payments. I do no see any indication on my report that it was done. 

I need help to get my credit report to properly maintain and being accurate. Since they also had old accounts that were XXXX from XXXX Chapter 7 Bankruptcy that took several disputes to finally be updated last week. I am still disputing another account that needs to be deleted and it is staring to be an issue.
Product: Debt collection

These people are calling me up to XXXX XXXX XXXX XXXX, leaving vailed threats about taking me to court and they can do that and that's their right, but they are calling me up too much, up to XXXXXXXX XXXX XXXX XXXX every day. 

Conmenity bank XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXXXXXX Balance XXXX {$510.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} ; 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 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: Debt collection

This is a complaint about Delta Management Associates ' response to me in a prior complaint : XXXX. 

The company Delta Management asked that my employer return their form. 
All options provided on the form imply that the person they are collecting on has or does work at my employer. In fact, a person with the SSN they are collecting on has never worked at my employer. The form they want my employer to fill out lacks any such response option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not adequately investigated inaccurate information on my credit report. XXXX XXXX and XXXX XXXX XXXX have both reported inaccurate information that has been disputed by Mr. XXXX and his attorney, XXXX XXXX. 

The XXXX dispute has risen from XXXX 's illegal inflation of Mr. XXXX 's bill. Mr. XXXX has no contractual obligation to XXXX. Mr. XXXX has repeatedly notified Equifax that XXXX 's reporting is inaccurate. In their invesigation, XXXX presents their allegations in the form a XXXX generated bill. XXXX has yet to present a contract or any obligaition in writing or with Mr. XXXX 's signature. Equifax has failed to execute due diligence and appropriate investigation into this matter. 

Additionally, Equifax continues to report a paid item from XXXX XXXX XXXX XXXX XXXX XXXX that has both an inaccurate date of first delinquency and status. Mr. XXXX has notified both XXXX and Equifax of the inaccuracy but Equifax continues to report. 

These actions have slandered Mr. XXXX 's good name by causing his credit rating to decrease. Even after notifications, Equifax continues to report these inaccuracies. 

Mr. XXXX demands that Equifax remove the inaccurate items and immediately pay the full sum of {$30000.00} restitution for slandering his good name, failure to accurately investigate credit items, and other damages.
Product: Credit reporting or other personal consumer reports

I have a payment arrangement with Credit Acceptance for which they are reporting me 6 months late after every payment that is made. According to the FCRA, they are supposed to be using Codes XXXX  and the monthly reporting code should be " G ''. This way creditors see that I'm addressing the debt and making payments. In calling Credit Acceptance, they said, " That's the way they do things. '' This is why they've been sued. They will not change the coding and want to keep affecting my credit which is illegal. The disputes to XXXX and XXXX  were not attended either.
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 investigation 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 and accepting unreliable responses and failing to adequately notify consumer of disputed outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the the evidence I have provided causing ongoing harm to my credit standing.Iam requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started sometime back in XX/XX/XXXXwhen I was a loyal and good customer of both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had my bank accounts at the two banks including my 2 checking accounts that this complaint is in reference to. On the same week in XXXX, a very small mistake was made at both banks. At XXXX XXXX, unbeknownst to me, I had deposited an envelope into the ATM machine with insufficient funds. The same week, I had deposited a business check into my account at XXXX which later was returned as insufficient funds. Before I was able to return back to XXXX XXXX to resolve the issue, both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed my bank accounts and reported me to Chex Systems. I have resolved the issue with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and paid them the amount I owed them. I also got statements from the banks stating that I have paid the accounts off and that they will notify Chex Systems to remove the negative reporting. I also sent these letters to Chex Systems as proof. Chex Systems has now had me actively in their system for 5 years now. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before these incidents/reporting 's. Since Chex Systems has kept this incorrect reporting of me even after I have paid the banks off and resolved my issue with them and provided them proof, my way of life has taken a turn for the worst. The inability to open any bank accounts and the negative reporting inside Chex Systems database has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. My mental health has declined drastically, and I am suffering from serious XXXX. This is all due to the false reporting and unethical and immoral practice by Chex Systems. There should be a new and improved FAIR system that determines accuracy of reports from banks to the reporting agencies and vice-versa.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexus Nexus reporting inaccurate information. Lexus Nexus reporting wrong information to other data sources and credit report agencies. Lexus Nexus have multiple name variations. Lex Nexus is have information on report that is more than 5 years old.
Product: Credit reporting or other personal consumer reports

You [ XXXX XXXX XXXX XXXX XXXX XXXX , ] replied that the alleged transaction you furnished as late was { accurate/ verified } choose the response they used } ] but my previous dispute did not ask you for accuracy or validation. 
On { XX/XX/XXXX } you furnished to { Experian, XXXX, } put the CRA that is reporting the late payment } an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( 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.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.

You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late.

It has been over 30 days and you have not properly verify the information. 
Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, XXXX XXXX at XXXX. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against XXXX, Experian, and XXXX due to their failure to correct inaccuracies on my credit report despite multiple dispute attempts. The information remains incorrect and continues to harm my credit profile. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) The reporting of outdated information on my credit report violates the FCRA, as the account in question should have been excluded after the legally required period. 

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus failed to conduct a reasonable re-investigation of the disputed information and did not provide adequate evidence to support the validity of the reported items. 

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have failed to ensure the accuracy of the information on my credit report, resulting in the continued reporting of inaccurate data despite my efforts to dispute it. 

I am requesting that the CFPB investigate the matter and take appropriate action to ensure that the credit bureaus comply with the FCRA by correcting the inaccuracies and addressing the violations outlined above.
Product: Credit card

I have XXXX XXXX XXXX XXXX through Bank of America. They will only let me pay on one. The other constantly gets dinged with late fees because their app actively prevents me from paying. Ill select pay bill and it will tell me it cant and I have to use a different section of the app. Then when I go there it will only let me pay on my primary card resulting in a late fee etc etc. I told them to close the card but theres a balance of {$23.00} they wont ( and I mean wont ) transfer to the other card. They supposedly fixed the problem last month but this month again XXXX cant pay on the card. Whether its XXXX XXXXXXXX or malicious intent I dont care. They are harming customers and my credit score has been damaged by them.
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Product: Credit card or prepaid card

On XX/XX/2020, I received a direct deposit from the IRS and on the XXXX of XXXX, 2020, I tried to use my card at XXXX XXXX XXXX XXXX and it was declined. So on the XXXX XXXX  XXXX I called bluebird customer service only to be told I need to call a different department. I called on the XXXX Sat on hold for 3 1/2 hours only to be disconnected. Then called again the next morning on second to still on hold the first time for 2 hours, and the second time for 1 1/2 hours. I called customer service number back that I originally talked to for them to tell me same thing they can do nothing and to call the other department. I expressed to them my frustration and asked for a supervisor only to be transferred once again and was on hold for another hour before hanging up. I called again on the 3 third for a couple hours and today the XXXX for about 1 1/2 hours all together about 12 hours of sitting on hold and I just want to close my account and get my money off the card. Also I can't even log into my account online it tells me my password or username is wrong so I tried to reset it and it just kicks me back to the log in page. Please help me.
Product: Vehicle loan or lease

I co-signed an auto loan for my nephew, we used carmax  auto finance and if it had nothing but trouble, from what I understand there was a return check which was redeposited and paid but for some reason we were marked 30 days late and is it adversely affecting my credit report almost XXXX points, I am the cosigner on this loan and was never informed that the payment was late nor do I get any other correspondence I do not believe that this should affect my credit report considering that there a lack of communication was it fault I had no idea that my nephew bounced a check, let alone that I don't get mail from CarMax if I get mail for a month later, I think this is atrocious and should be removed off my credit report and I'm getting no help from them whatsoever thank you