23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today, Optimum Outcomes reported a medical bill on my credit report. They did not send me a notice of my right to dispute before reporting this bill, so that is a violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing old accounts over 7-10 yrs closed and credit score dropped 100 points and credit bureau can not explain why? 

I went from XXXX to XXXX and my accounts are paid up in advanced by two months or more and on time 100 %. 

In fact, it should be well over 800 points. I have compared my report to other reports that are not in so good standing and theirs are far better than mine. 

I am really questioning if credit reporting bureaus is a discriminatory system, because there should be no way people who have a 20 yr negative debt on their report with no loans or credit with a score of XXXX which is way higher than mine, at XXXX. I am just baffled? Of whom the person is non XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These the accounts that are inaccurate : XXXX ) .XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an extensive fraud alert on my credit report and under 15 U.S. code 1681 e section a. In regards to identity the company transunion is furnishing information that is not mines nor do I recognize said accounts or said names reporting on my report Ive contacted transunion in regards to these matters and to no avail have I been rectified in regards to these matters And Im asking a thorough investigation be conducted in relation to these matters
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX x2 If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit report thats needs to be removed from my credit report. The inquiries that needs to BE REMOVED FROM MY CREDIT REPORT WILL BE LISTED IN MY FTC REPORT
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because I made the payment on time. My records show that the payment was processed successfully on the due date. However, due to an error in the creditors system, the payment was posted late, which led to the inaccurate late payment entry on my credit report. 
Evidence provided : Bank statement showing the payment made on the due date. 
Confirmation email from XXXXXXXX XXXX XXXXXXXX verifying the payment was received on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXXILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account XXXX, US BKPT CT PA XXXX reference # 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: Money transfer, virtual currency, or money service

I was trying to use Venmo to pay someone, and my transaction was declined by Venmo. This is the case even though I have never had any problems with my payments. This left me unable to pay a debt. I contacted the company to understand why ( fraud? credit risk concerns? ) and what I could do to remedy the situation ( validate myself? show balance in my funding account? ) and they gave me no helpful information or remedy. 

This impacted a business relationship and caused me substantial injury and, as far as I can tell, was unavoidable. I believe my expectations that my account would function were reasonable. I do not see a reason for my payments to be decline and believe that this practice does not rise to a UDAAP standard that would be expected from a credit card or bank.
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax and they have failed to properly investigate my disputes. Every letter I have mailed off has come back VERIFIED AS ACCURATE I have mailed countless letters to the addresses depicted on each bureaus website to dispute following recorded inquiries that I DID NOT EVER AUTHORIZE. I have asked for documents bearing my signature and application and I began mailing letters directly to the bureaus dating back back to XX/XX/year>. I already tried contacting each individual company who said they do not have my information and I need to contact the bureaus. There was no permissible purpose for the pulling of my report. 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 or other personal consumer reports

I have hard inquiries unrecognized and unauthorized on my report that i request removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX  about a few things on my credit report several times. I have just disputed with them recently about a few accounts that have been closed for years but was included in my bankruptcy this year. They are refusing to remove them off my credit report. I have attempted several times before I decided to contact you. I'm trying to rebuild my credit but XXXX  is making it very difficult for me. All the student loans are consolidated under XXXX XXXX. They wont remove all the old Dep of Ed/XXXX  ones off my report. The accounts that I'm requiring about is : Dept of Ed  XX/XX/XXXX Account is under XXXX XXXX Dept of Ed XX/XX/XXXX Account is under XXXX XXXX Dept of Edu XX/XX/XXXX Account is under XXXX XXXX Dept of Edu  XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account was included in Bankrupcy XXXX XXXXXXXX XXXX XX/XX/XXXX Account was included in Bankrupcy U.S Dept of Edu-XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Account was in included in Bankrupcy XXXX XX/XX/XXXX Account was included in Bankrupcy Dept of EduXXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Accounts is under XXXX XXXX. 

I would like all these all removed off of my credit report. That way my credit report is would be correct. Thank you XXXX XXXX
Product: Credit card or prepaid card

I opened my card in XX/XX/XXXX and without warning they closed my account that was in great standing in XXXX.
Product: Checking or savings account

On Thursday XX/XX/year>, while at work as a home nurse, I received a text from " Chime '' alerting me of a purchase for XXXX at a XXXX XXXX XXXX. The text asked me to confirm if I had made this purchase by responding to the message Yes or No ( text submitted for evidence ). I responded No and received a phone call from XXXX within several minutes. The caller identified herself as a " XXXX XXXX '' from Chime. She verified my name and the last digits of my SS #. She then told me that the XXXX purchase had occurred in Texas and that XXXX transfers were scheduled for XX/XX/year>. She asked me if I knew a " XXXX '' or someone with an XXXX named " XXXX ''. I responded that I do not. She then asked me about recent transactions, and had the list of my most recent transactions. At this point, my boss was standing near me and said " are you SURE that's your bank? ". I hung up on the call and proceeded to call Chime at XXXX. The representative informed me that there was no activity on my account and also Chime does not call customers. While on the phone with Chime, I received an alert that my {$1000.00} transfer to XXXX XXXX had gone through. I told the representative I was speaking to that i had not authorized a transfer, nor do I know this person and she created a dispute. On XX/XX/year> I was made aware that my dispute was denied, and I requested the case to be reopened. My case was again denied on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires the removal of any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts have inaccuracies in reporting, such as incorrect amounts and dates.
Product: Mortgage

Nationstar reported in accurate info on my credit report. I was suppose to have a 60 day grace period of when the loan got transfer. I told them that and they still would not remove the inaccuracy, this has resulting in me not being able to qualify on a conventional loan when I tried to buy a house this year. 

Nation star bought the loan from a different company, this company have a 3rd party customer service rep XXXX and those people also told me inaccurate information, as they did not take any responsibility.
Product: Checking or savings account

Between XXXX and XXXX I was charged overdraft fees when money was available but was erroneously charged due to how the bank processed credits.
Product: Checking or savings account

On XX/XX/XXXX I deposited {$19000.00} ( consisting of 31 checks ). In XX/XX/XXXX I was advised by one of the payers that her check had not been cashed. I looked at my bank statement and noticed that the entire deposit had not been recorded. I tried to call the branch, but learned that there was no current manager, and was told to call the main number, which I did. The person there told me that I should speak to the branch, and then transferred me to the incorrect branch. I reported the incident to the XXXX XXXX XXXX  and immediately received a reply from XXXX XXXX, of the president 's office, who acknowledged receipt of the deposit, but could not tell me what happened. It has been over a week, and I have not heard back from the bank. Apparently, they have lost {$19000.00} of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. FDCPA Section 807 Violation Misleading False Reporting U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Mortgage

Attempted loan modification through lender. Lender was dishonest in how modification term would affect my credit score. Reported my account delinquent WHILE in the midst of modification payments as scheduled and agreed upon.
Product: Vehicle loan or lease

I called GM Financial starting the day after XXXX XXXX to let them know that I need a deferment due to being impacted by the hurricane. Called since XXXX to get my due date changed that was never done..I was approved for a deferment for the month of XXXX XXXX. However after i esigned all documents my credit report was hit with a XXXX late reporting for XXXX and XXXX. I have called GM financial every other day since XXXX XXXX. Every XXXX has lied to me promising me things would be corrected. And not XXXX management person has kept their promise it 's almost like my issue is a joke. Not only has this dropped my XXXX XXXX over XXXX points it has also impacted my ability to get a natural disaster loan to fix my house. I have begged this company to corrected it and not XXXX person has cared enough for the issue.
Product: Checking or savings account

I'm looking for certificate of deposit information from XXXX XXXX. It was an account in my name as minor and my father as natural guardian. The issue date was XX/XX/97. I'm aware that XXXXXXXX XXXX closed and was bought by Nations bank who then merged with bank of america. I need to find out what happened to the money in that account. I do have the cd reciept as well as account numbers. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was instructed by the XXXX XXXX XXXX to go into my local bank to set up a draft in order to pay my vehicle loan because the current system was not working efficiently. 
I set it up online and thought it was in order, only to find my bank needed me to go in to sign an authorization. At the time I was unable to due to COVID-19, and my payment did not get transferred in a timely manner. I informed consumer credit of the situation and asked for relief under the CARES act. They never informed me that my payment had not arrived and that they were not going to p [ provide me relief under the CARES act. They are reporting my payment as late. I have never had a late payment on my credit anywhere and all payments have gone through as planned ever since getting my draft. 

I am seeking relief under the CARES act for incorrect reporting of payments.
Product: Checking or savings account

Never received package from XXXX. I filed a claim with Citi Bank regarding the funds that were deducted from my account. Citi Bank claims the funds were never taken, even though screenshots of the transaction was sent to XXXX Both the Supervisor and Dispute representative hung up in my face when I disapproved with their solution to the funds no longer being in my account. I have never experienced such disrespect from a bank in my life. Let alone a customer representative in general.
Product: Debt collection

This is a very old debt that the original company has collected on and they are harassing me to pay a debt that has been paid
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed XXXX XXXX has reported my credit card account as delinquent through each credit bureau. The months/years it was reported delinquent are XX/XX/year> and XX/XX/year>. However, this information is inaccurate, as I am a victim of identity theft and fraudulent transactions were made to my existing XXXX XXXX credit card to cause this delinquency. The company has been informed of this and were provided sufficient documentation to include a credit card fraud affidavit and FTC Identity Theft report, proving there was fraudulent activity on the credit card account at or around the time delinquencies were reported to the bureaus.
Product: Credit reporting or other personal consumer reports

I FILLED OUT A XXXX ACCOUNT XXXX AND WAS APPROVED FOR A XXXX XXXX XXXX XXXX XXXX AND ACCOUNT NUMBER IN XX/XX/XXXX. I BROUGHT IT TO A XXXX STORE IN XXXX IN XXXX XXXX. THEY STATED THEY WOULD COMPLETE THE ORDER FOR ME WHEN I GET A HARD COPY ID. CAUSE THEY COULD NOT USE THE PAPER ID AT LEAST XXXX DIFFERENT STORES STATED THIS. EVEN-THOUGH I HAD OLD HARD COPY IDS TO CORROBORATE THE PAPER ID THEY WOULD NOT LET ME USE IT. THEY TOLD ME CALL CUSTOMER SERVICE CAUSE NO ID IS REQUIRED IF THEY APPROVE EVERYTHING THEY WILL SATISFY THE account for me in person. I CALLED OVER THE XXXX CUSTOMER SERVICE LINE AND I WAS ASKED MY PERSONAL INFO TWICE, DATE OF BIRTH, FULL SOCIAL SECURITY NUMBER AND NAME AND ADDRESS TO XXXX DIFFERENT PERSONS XXXX AND XXXX AT XXXX XXXX APPROXIMATELY AT ( XXXX ) XXXX. PLEASE COLLECT THE RECORDING OF THIS CALL TO VERIFY ( MY VOICE ), THE REAL XXXX XXXX XX/XX/XXXX XXXX DATA. I HAD XXXX IDENTIFICATIONS PRESENT MANY PEOPLE ARE FAKING MY VOICE, PRESENTING MY NAME IN CONNECTION WITH ASSESTS AND MONIES THAT ARE MINE BUT THEY ARE STEALING AND COMMITTING FRAUD. THEY STATED MY CREDIT CHECK FAILED YESTERDAY WHEN I WAS TRYING TO GET A PHONE AND I BELIEVE THEY WERE COMMITTING IDENTITY THEFT AND TRYING TO ALLOW ANOTHER PERSON VERIFY AS ME OUTSIDE OF MASSACHUSETTS WHERE I AM RESIDING AND MY SOCIAL SECURITY SHOWS THIS IS MY HOME STATE. XXXX BUT I HAVE PROPERTY IN MANY STATES AND BANK ACCOUNTS IN MANY STATES. ALSO CONNECTED TO OTHER COUNTRIES AS WELL. MY OLDEST IDENTIFICATION CARD IS CONNECTED TO MOST ACCOUNTS FROM XXXX. DRIVERS LICENSE WHICH I STILL HAVE. PLEASE COLLECT THE PHONE CALL AT ( XXXX ) XXXX WITH XXXX XXXX ( XXXX ) AND XXXX FROM XXXX. XXXX PHONE CALLS LONGEST CALL XXXX MINUTE CALL UNINTERRUPTED. I AM XXXX FOOT XXXX INCHES AND HAVE A SCAR ON XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX EXTREMELY HUGE, MY WEIGHT IS XXXX AND MY ARMS AND LEGS HAVE A TOTAL OF XXXX XXXX AND CURRENTLY RIGHT NOW MY HAIR IS BRAIDED. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE CONTACT XXXX ( MY EMAIL ADDRESS ) FOR FURTHER INFO. PLEASE PREVENT THIS FRAUD AND CREDIT REPORTING ABOUT ME FAILING VERIFICATION ON CREDIT CHECK WITH MY NAME, ADDRESS AND INFO. PLUS THE CUSTOMER CARE STATED THAT I COULD HAVE THE STORE EMPLOYEE VERIFY MY IDENTIFICATION IN THE XXXX STORE WITH BOTH EMPLOYEES AND HIM OVER THE PHONE WHEN I GOT THE STORE EMPLOYEE AND PUT THE XXXX CUSTOMER CARE ON THE PHONE WITH THE EMPLOYEE AND ME HE DISCONNECTED THE CALL.