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

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and XXXX ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Credit Reports, I discovered some late payments on my mortgage account for XXXX XXXX XXXX XXXX XXXX which I have always maintained timely payments in XXXX. Consumer reporting agencies play a crucial role in accurately reporting consumer information. This information must be reported with utmost accuracy. I have not missed a payment in XXXX  on the following account : XXXX XXXX, Account number XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit card or prepaid card

I noticed 6 unauthorized transactions from XXXX I didn't do. I first contacted cash support in XXXX, never received a response. I contacted cash support again in XXXX. Finally received a response so I sent the necessary info but never received an response after that. I contacted once more in XXXX. Sent the necessary info again an was told that 2 of the transactions could be disputed because it was over 60 days but if you follow the timeline I been trying to get help well within that 60 days time limit. The only reason it went over 60 days is because either cash app support never responds or they take weeks to respond. The Cash App manager told me to contact XXXX about the charges which i did but 5 of the charges orders have been delivered so the only route to getting my money back is through an dispute which my card company  refuses to do. XXXX was nice enough to refund me for one of the transactions since the order was never delivered but the other 5 cant  since they were delivered. The cash app manager has been giving multiple responses/switching their reasoning on not helping on why he/she cant help me and now im 100 % sure she/he will say the 4 transactions in XXXX cant be disputed now because it been over 60 days. She/he doesnt understand the difference between authorized and unauthorized orders. Since I have legit orders with XXXX she/he feels like the unauthorized orders cant be disputed which makes zero sense. I was also told I was already refunded for the transactions in question but if you look at the bank statements it proves that not to be true. I was also double charge for the same unauthorized transaction twice. One of XX/XX/2020 and also again on XX/XX/2020 with the card I already reported stolen months prior. He/she doesnt even want to help with XX/XX/2020 transaction. I feel like Im being played with and not being took seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit dispute to bothe Equifax and XXXX for an account that was not not properly validated. Both reports state it was verified. I sent a debt validation letter to XXXX XXXX XXXX XXXX  for a collect account found on my Equifax and XXXX  credit report. I sent the request on XX/XX/XXXX certified and it was received and signed by the Collection Agency on XX/XX/XXXX. On XX/XX/XXXX a representative of the collection agency called me to inform me that they do not need to validate anything as their client sent an invoice. I proceeded to tell them that I did not receive any invoice nor did I receive the requested items in the debt validation letter. I further asked for all information in the letter to be sent in writing. It has been more than 30 days and I have not received any information validating the debt belongs to me as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I attached a copy of the validation letter sent and the proof of certified mail received. I also submitted a CFPB complaint on the collect agency and they did not respond CFPB complaint XXXX. I also I checked to see if XXXX is a licensed collection agency in the state of Florida and it is not. All of these points show they do not legally have the right to report a negative file on my Credit reports.
Product: Credit card

XXXX fraudulent Sears credit card accounts were opened using my name and address on XX/XX/2016. This complaint is for the XXXX of those accounts. Since I had never opened these accounts, I thought these were prepaid promotional offers so did not open the mail until yesterday. I received three pieces of mail into total - one piece of mail containing a new credit card for the XXXX account, and two for the XXXX account - an earlier piece of mail contains a bill, and a more recent bill contains the bill with a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX there was a hard inquiry on my credit from Bk Of Amer. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inaccurate information on my credit report, which I believe violates the provisions outlined under 15 U.S. Code 1681e, which requires that information reported be accurate and complete. Account : XXXX XXXX XXXX XXXX XXXX, Account No. XXXX, Address, XXXX XXXX XXXX, XXXX, NJ XXXX, the credit bureas failed to provide supporting documents of the payment history and recent details on the account. I will take legal account that you have jeopardize my credit worth. If you can not verify the information I requested that you update this account to reflect positive standing or remove this account within the mandatory 30 days
Product: Credit reporting or other personal consumer reports

I am reaching out to follow up on my previous complaint, dated XX/XX/XXXX, regarding the inaccurate addresses listed on my credit report. I am seeking an update on the status of the removal of these addresses, as outlined in my previous communication. As a reminder, FCRA Section 605b mandates Credit Reporting Agencies to promptly remove any items identified on an identity theft report, in my case under reference number # XXXX. The addresses in question that I wish to have removed from my credit report per bureau are as follows : -- -- -- -- -- -- -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Checking or savings account

Kept receiving information from Suntrust bank but I've never banked with them in my life, I later found out an account was opened without my consent.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my consumer report, I have noticed that MOHELA has been reporting an account to my consumer reports. I did not give you any express permission or permissible purpose to report anything on my consumer reports. As a consumer, I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, and 15 USC 6801. My private information should remain my private business, and student loans are considered my private information. Your company reported my private information without my consent which constitutes aggravated identity theft due to the fact that I did not give you permissible purpose to report any information on my consumer reports. As a consumer, you MOHELA have an obligation to protect my personal non public information. 

Section A of this law 15 U.S. Code 6802 is saying that your company, MOHELA, is not obligated to report or disclose any nonpublic personal information to a third party company such as a consumer reporting agency. A third party consumer reporting agency has no affiliation with your company MOHELA ; therefore, you are not required to disclose any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Nonpublic information consists of my name, my address, my account, or account number. This is not public information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX THD/CBNA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The XXXX and Transunion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and late payments off my credit file from Experian, XXXX, and XXXX immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a Home Depot credit card through citibank online and used my card in store with my ID in XX/XX/XXXX. I tried to get an increase so that I was able to purchase an oven but citibank refused and stated i needed to verify my identity which i did with the rep that I was sitting in front of in the store. The rep on the phone proceeded to tell me that my phone has to be in my name in order for them to text me and verify me. My phone is in my business name. Everyone does not have their phone in their name for various reasons so how dare them. So, I've received my card in the mail, various coupons but no letter from citibank. These people have continuously lied to me about sending correspondense and saying they will call my phone and they never do. They are intentionally sabotaging me. I have connected my bank account to my home depot card and even paid my first bill but they didn't stop that now did they. They took my money perfectly fine. I have verified my identity with several reps at Home Depot and they said that is not good enough. Then today XX/XX/XXXX a representative proceeds to tell me that they will send the XXXX letter to my address, not what i signed up with but the XXXX has. Excuse me, my address is listed on my credit report. This has been nothing but harrassment for a measly {$500.00} credit limit. This is the worst card ever and I do not recommend any one apply for this card.
Product: Mortgage

XXXX and XXXX XXXX filed for a short sale application in XXXX and we received an offer on the property in XXXX. They are a divorced couple who are both on the loan and turned in all paperwork including proof of income or lack thereof, bank statements, tax returns and required documentation and divorce decree. Chase required that the wife quitclaim the property to the husband so that XXXX of the XXXX parties claim responsibility for the property which we are totally baffled by and now they are telling us instead of moving forward with looking at the offer presented that they have to consider the husband for retention of the property before they can look at the short sale. It has been the intent of the homeowner to short sale since XXXX and we are about to lose a valid buyer at current market value due to the delay by Chase employees to get their act together. The husband and wife knew when they divorced they would have to sell the property and neither would be able to afford it alone to force the homeowner to go through the steps and time consuming and overwhelming steps they have been put through is going to cost them the XXXX and only buyer they have for the property.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX, XXXX, and TransUnion. 

Ive submitted several disputes upon a series of companies whove purchased one particular charge off from a former creditor XXXX. Ive disputed the original creditor 's report as having an incorrect remaining balance of {$500.00} due to the fact that the XXXX themselves reported that my last payment received was dated on XX/XX/17 yet late fee charges were continuously assessed into the that remaining balance reported beyond the maximum 180 day delinquency charge off date by an additional 2 months. Some of the CRAs ( XXXX  ) while others have not since updated that original XXXX  credit report to reflect the error by removing the remaining balance completely as well as the payment history associated with it. A second party had purchased that errored bad debt from XXXX but managed to also make an additional mistake of not carrying over the original balance of {$500.00} and instead reported a remaining balance of {$500.00}!! Ive asked all the CRAs to investigate and upon that request was given the response the report falls under the fair credit reporting act. The debt buyer ( XXXX  XXXX ) has no contact information in which I can coordinate any type of resolution. To make matters worse the debt buyers report was purchased by a third party XXXX XXXX XXXX of whom are purportedly reporting the same inaccurate information of {$500.00} for the remaining balance. {$500.00} does not equal {$500.00}, the fact that this third party is re-reporting the inaccurate information of the first debt buyer yet each of the CRAs capitulate that their investigation has been concluded with the same responding resulting review of still falls under the FCRA I want each CRA to show their results of how their investigation was conducted because last I heard reporting inaccurate information still goes against the FCRA. So, even though the incorrect balance of {$500.00} from the original creditor was disputed and then finally removed from my report its not reflected in the subsequent charge-off amounts and in additional the subsequent charge off amounts from debt buyer to debt buyer is also in accurate being {$500.00} does not equal {$500.00} I can only logically conclude that each of the CRA have in fact not thoroughly investigated my claim at all!!!
Product: Debt collection

In XXXX of XXXX, entered into a debt consolidation program with a law firm called XXXX XXXX XXXX. The program was structured to last until XX/XX/XXXX. Payments were made to XXXX XXXX XXXX, now XXXX XXXX. The credit card company was XXXX XXXXXXXX XXXX, represented by XXXX XXXX XXXX XXXX XXXX ; of XXXX, Ca. My wife at the time and I were divorcing and I agreed to take over our community debt ; in exchange for her removing her name from the home I purchased prior to this marriage. Total owed to XXXX in XX/XX/XXXX was {$52000.00}. This amount was for XXXX credit cards. My total payments to GCS were {$34000.00}. Nelson & Kennard sued me again in XXXX, for more money on XXXX card. They, Nelson & Kennard, put a lein ( {$20000.00} ) against my residence on XXXX XXXX. I felt trapped, so I have filed for a Refinance on my mortgage, XX/XX/XXXX, to pay off the {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company ( XXXX XXXX ) on XX/XX/XXXX to cancel services. Company stated they would cancel that day and that a final payment of {$110.00} would be taken XX/XX/XXXX for services rendered the previous month. They stated an email confirming cancellation would be sent. Email received. 
Contacted company ( XXXX XXXX ) on XX/XX/XXXX to confirm cancellation of services. Agent stated services were not cancelled and that she would do so immediately, and waive the final {$110.00} fee for XX/XX/XXXX for the trouble. She stated an email would be sent confirming the cancellation. Email confirmed to be correct on the phone. Email never received. 
Contacted company ( XXXX XXXX ) on XX/XX/XXXX to again confirm cancellation of services. Agent stated that for an unknown reason services were continued. Fee was removed for {$110.00} from checking account XX/XX/XXXX anyway. He stated he would reimburse the fee and officially cancel services and send a confirmation email. Both refund and email never received. 
At this point next actions to be taken will be that this complaint and a certified letter revoking authorization to illegally debit a bank account as well as a copy of a stop payment order from the bank will be sent to this company. Failure to respond to any of the 3 items sent will result in legal action.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

In XXXX XXXX XXXX, Caine & Weiner attempted to communicate via mail with me over an alleged debt. Through no fault of my own, the letter they sent changed several hands before it reached me at an inconvenient time, violating my privacy rights as a consumer. Within this letter, Caine & Weiner not only claimed that I owed such alleged debt, but that they would also illegally report and freely give my information to multiple credit reporting bureaus if I did not pay them. I reached out to them requesting validation of the alleged debt, but instead they responded with the information of where they in fact purchased the alleged debt from.