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

I am submitting this CFPB Complaint to dispute the inaccurate and erroneous information that has been reported on my credit report by your credit bureau. I am requesting that you correct this information as soon as possible. Upon reviewing my credit report, I have noticed that the information reported is incomplete, inaccurate, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws. Specifically, the following information reported on my credit report is disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX Balance : {$740.00} XXXX XXXX  SC XXXX Balance : {$8100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$340.00}. As a result of the inaccurate and incomplete information reported on my credit report, I have suffered significant financial harm, including denial of credit, employment opportunities, and higher interest rates on loans and credit products. Under the FCRA, I have the right to have accurate and complete information reported on my credit report. Your bureau has a duty to investigate and correct any inaccurate or incomplete information within 30 days of receiving a dispute notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Caine & Weiner that I have no financial obligation to is reporting negative information on my credit report. I never heard of this company. I did not give no one permission to share my information.
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts I mark as inaccurate XXXX XXXX XXXX XXXX XXXX. 

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

Subject : Complaint Regarding Altered and Reinstated Account by XXXX XXXX XXXX. 
Dear Experian, I am filing this dispute regarding a collection account from XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ].

Issues:1. Reinstatement of Removed Account with Altered Information : The account in question was previously removed from my credit report. However, it has been reinstated with altered details, including : a different lender name a different date a different amount. This constitutes inaccurate reporting under FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], which requires furnishers of information to provide accurate data to consumer reporting agencies.

2. Failure to Provide Validation of Debt : Under FDCPA [ 15 U.S.C. 1692g ( b ) ], I requested validation of the debt, including : The original purchase agreement Proof of assignment or ownership of the debt Documentations confirming the amount owed, and Transactions history, national credit adjusters has failed to provide the requested information, violating my right to debt validation. 3. Reinsertion of Information Without Proper Notice : Under FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], if a consumer reporting agency reinserts previously deleted information, they must notify me within five business days. I received no such notification. 4. Request to Block National Credit Adjusters activity on My File : I believe the reporting by XXXX XXXX XXXX is fraudulent. Pursuant to **FCRA [ 15 U.S.C. 1681c-2 ] **, I am requesting that Experian block any further activity or reporting by national credit adjusters on my credit file unless they can provide verified, detailed documentation to prove their claims.

**Actions Requested : ** 1. I demand that Experian investigate National Credit Adjusters to provide all necessary documentation verifying their right to collect on this debt, including proof of ownership and validation of the account details.

2. Investigate why this account was removed and later reinstated with altered information, without proper notice or validation.

3. I demand Experian to block any future activity or reporting by XXXX XXXX XXXX on my credit file unless adequate verification is provided, in accordance with **15 U.S.C. 1681c-2**.

4. Remove this account from my credit report immediately if validation can not be provided. This account appears to have been reinstated in violation of both federal law and my rights as a consumer. I respectfully request an investigation into this matter and appropriate corrective action. 
XXXX XXXX social Security XXXX
Product: Checking or savings account

I filed a claim with BofA on XX/XX/year> for an atm error in amount of {$500.00} from a XXXX atm. I did not receive the funds. On XX/XX/year> I called to enquire about the temporary credit for the {$500.00}. I was told that I never filed a complaint and that I would have to file a new complaint on XX/XX/year> and wait another ten days for possible credit. I filed the dispute originally on XX/XX/year> and verbally gave the dispute to BofA over the phone. They confirmed they had record of the dispute but insisted it was cancelled. This is in clear. Violation of reg e. Its been 13 business days since original dispute was filed and Ive not received a credit.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681g, 15 USC 1681h, 15 USC 1681i, 15 USC 1681s-2, 12 CFR 1022.42 and 12 CFR 1022.43, FCRA 609, FCRA 10 and FCRA 611 under the FTC I provided supporting documentation of unverified debt and requested an investigation of the reported information, and for updates to be made in accordance with the law. 

On XX/XX/XXXX I sent a dispute letter to Experian via USPS certified return receipt with supporting documentation regarding a XXXX tradeline. The documentation provided by XXXX states that that they are unable to verify the debt nor produce any historical payment data records supporting the balance they continued to report which is in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( 2 ) while operating as a Furnisher of Information as defined by 12 CFR 1022.41 ( c ). Furthermore, XXXX being reflected as a furnisher of any reporting, records or tradelines to any credit bureau on my credit file prior to XX/XX/XXXX would constitute false reporting as they were not designated as a servicer before that time. 

On XX/XX/XXXX Experian received and signed for the letter and supporting documentation. 

On XX/XX/XXXX Experian entered the dispute on their online platform. 

On XX/XX/XXXX Experian closed the dispute online and provided no explanation as to why. 

On XX/XX/XXXX I called Experian to inquire why the dispute was closed without explanation. A response was not provided. 

On XX/XX/XXXX On the same call, an Experian representative opens a new dispute on my behalf using the letter and supporting documentation provided via USPS which states that XXXX is unable to verify the debt nor produce any historical payment data records supporting the balance they continued to report while operating as a Furnisher of Information as defined by 12 CFR 1022.41 ( c ). 

On XX/XX/XXXX Experian closed the dispute online without investigation, stating that verification had been completed and no changes were made. 

A 24-hour timeframe is not sufficient to complete an investigation, and failure to do so is a blatant violation of 15 USC 1681i and FCRA 611.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Credit Acceptance Corporation for Violations of the Fair Credit Reporting Act and Truth in Lending Act Dear Sir/Madam, I am writing to formally lodge a complaint against Credit Acceptance Corporation regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). The inaccurate reporting on my credit and the deceptive lending practices have caused significant financial and emotional distress. Below are the details of my complaint : 1. Inaccurate Information on Credit Report : Incorrect Address : The address on the original contract was incorrectly listed as XXXX XXXX XXXX XXXX XXXX instead of my actual address : 2. Violations of the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) : The inaccuracies on my credit report have not been corrected despite my repeated disputes with Credit Acceptance Corporation .

Late Payments Reporting : Credit Acceptance Corporation has incorrectly reported late payments on my account, which have significantly impacted my credit score. These late payments are a direct result of the company 's failure to accurately bill and manage my account, not any fault of my own. 

XXXX. Violations of the Truth in Lending Act ( TILA ) : Finance Charges ( XXXX U.S.C. XXXX ) : According to the TILA, the finance charge should represent the cost of consumer credit as a dollar amount. Credit Acceptance Corporation has included additional fees and charges that are not permissible, violating TILA 's regulations. The finance charge is the only permissible charge when financing, and any extra charges are a violation of 15 U.S.C. 1605.

4.Statutory Damages and Compensation : I seek statutory damages ranging between {$100.00} and {$1000.00} for each violation of the FCRA and TILA.

I request compensation for the financial and emotional distress caused by Credit Acceptance Corporation 's practices since the inception of my contract dated XX/XX/year>. The original contract and details are included below for reference. 

Given the severity of these violations, I urge the CFPB to take immediate action against Credit Acceptance Corporation. I am also requesting that the CFPB ensure the correction of my credit report, removal of all inaccurate information, and enforcement of the statutory fines and compensation for damages incurred. From start date of contract until this matter is resolved Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Debt collection

This company says I owe XXXX for XXXX XXXX XXXX. I lived in XXXX, XXXX and XXXX does n't serve the area of XXXX I lived in. 

I 've tried to have it verified, but all I get is this for a answer. 

Credit Protection ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class Cable/Cellular ; Client XX/XX/XXXX ; Amount {$360.00} ; Status as of XX/XX/XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX {$360.00} ; Individual Account ; Account # XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

-On XX/XX/2023 an instrument was mailed to Shellpoint Mortgage Company In the amount of XXXX to payoff the mortgage. 

-On XX/XX/XXXX my online account reflected the mortgage was paid off with a principal balance of {$0.00}. 

-On XX/XX/XXXX I received an email stating " Congrats you are paid in full ''. On XX/XX/XXXX I received an instrument with a Shellpoint letterhead stating " Our records indicate your loan through Federal Department of Housing and Urban Development ( HUD ) has been recently paid off. 

-On XX/XX/XXXX I received an instrument with a Shellpoint letterhead stating " This letter is a notice to satisfy the requirements of New Jersey law. We have sent an instrument to the proper public officer to request cancellation of the mortgage ''. Came with a notarized DISCHARGE OF MORTAGE from XXXX XXXX XXXX 

-On or about XX/XX/XXXX I called XXXX County Clerk and they said they had nothing on file for Discharge of Mortgage. 

-On or about XX/XX/XXXX I called XXXX XXXX XXXX, and they stated that the XXXX County Clerks office did not accept the Discharge of Mortgage. They said I could contact Shellpoint Mortgage for further information. 

- On XX/XX/XXXX an instrument was sent to Shellpoint Mortgage for {$310000.00} - On XX/XX/XXXX I received a letter from Shellpoint Mortgage stating " Enclosed is a check we are returning to you because your payment is missing the following required information, Non Negotiable Item. 

- When logging online to check the account a message came up saying " This loan has a payment stop ''
Product: Mortgage

The new servicing company on my mortgage, New Rez Financial, has been mistakenly applying my {$5000.00} monthly payment incorrectly by significantly over-applying amounts into the escrow account and under-applying amounts as additional principal payments. I have literally been trying to clear this up with them for over 6 months and I just keep on getting put on hold. I have made probably 20 calls to New Rez without any resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was reporting a negative late payment on my consumer credit report. I disputed this item and it was updated and removed. The late payment shown on there was a violation of my consumer rights.
Product: Debt collection

Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment  made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Checking or savings account

I submitted the proper forms to Optum financial to transfer the balance of my XXXX XXXX balance that was held by my former employer to my new XXXX XXXX institution XXXX  for my new employer. I submitted the form in XXXX and have followed up approximately 10 times and over 10 hours on those calls. One day I spent over 2 hours waiting on hold and finally demanding to speak with a supervisor named XXXX who looked at my form and assured me they would process the payment in the next few work days. That was 2 weeks ago and I've followed up a couple time with them and asked them to flag XXXX to get me an update. I have heard nothing back and my transfer has not been initiated. Their phone number always has a long wait, I've asked for my item to be escalated, but there is no movement or follow up.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activities. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file an identity theft report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information and fraudulent items that were being posted to my reports. Here is the list of items that were opened without my permission : EXPERIAN : 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these 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 And XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX  and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these
Product: Credit card

Wells Fargo credit card for XXXX XXXX Wells Fargo case number : XXXX monthly {$63.00} Account number ending in : XXXX my name is : XXXX XXXX XXXX I am a widow on XXXX am I have Been struggling to keep my bills paid due to Health problems being in and out of the hospital but have tried to keep this payment paid on time. 
However on XXXX, I could not make My payment on time because I just had to Much to pay, my quarterly property tax more than doubled and I just couldnt pay Everything. I called Wells Fargo on XX/XX/year> to talk about not being able not make the payment and ask for an extension possibly, and was told absolutely not, they didnt do that and had no grace period and they are charging me a {$40.00} late fee. This is almost as much as the payment. I am already having issues with making my bills and then they just kick you with this big {$40.00} fee. Just dont seem fair. I am planning on making this payment {$63.00} on the XXXX XXXX XXXX But would like to get forgiveness for this late fee. ( {$40.00} ) Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX  are all violating the lates ruling by the attorney general. DISMISSED BKS SHOULD NOT BE REPORTING ON CREDIT REPORT AS THEY ARE NULL NON EXISTENT PUBLIC RECORDS ... In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of Bankruptcies, tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.gov/press-release/ag-schneiderman-announces-groundbreaking-consumer-protection-settlement-three-national I also have received a notification from the law firm about class action that XXXX  lost and had to pay out due to FCRA violation by issuing consumer disclosures containing " public record '' information ( such as tax liens, judgments, and bankruptcies ) without identifying the vendor it employed to obtain the information from courthouses and other government offices. 

I hereby request this erroneously report public record to be removed from my credit report immediately or I will no choice but to write to D.A. and report your bureau not complying with recently issued order.
Product: Prepaid card

I was sent a Brinks Armored Account debit card in the mail. The card is embossed with my full name, address, and an account number. I never requested this card, and it seems as if an account has already been opened. Usually when I get these unsolicited promotional cards in the mail they wont be embossed with my name. And they will usually include an OPT OUT statement, which this one did not. I tried calling customer service to ask about it but they wouldnt let me get through to an actual person without giving my social security number. Now I dont know if someone signed up for the card using my information, or if its just a deceptive unsolicited advertisement. But can we put a stop to this sort of thing?