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

In XX/XX/2016 I moved to Florida. I had been paying the exact same amount for my car lease for years. Months later, I received a letter from Toyota Finance informing me that I had been underpaying for months and I owed significant penalties. I had never been late on a payment in over a decade, and I was never informed that my monthly payment had increased due to my move. I never ever missed a payment, I was underpaying because no one bothered to tell me my monthly payment increased. 

I have disputed this information on my credit report twice, and the most recent dispute resulted in an update to my account which now shows I was 60 days late instead of the 30 days it showed previously. I feel I am being punished for disputing this information. My credit score has now dropped even further because of this retaliation. This is extremely unfair.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX  Are reporting inaccurate information on my account, they have shared my information without my consent to third parties, authorizing fraudulent transactions and activities to occur within my account after alerting them to the inaccuracies. They have addresses that are non reportable on file in which I have not resided nor done business in or at and due to the problems at hand It has caused a financial hardship leaving me and my children, homeless, immobile and unable to do something as simple as rent a home even with the funds available to cover the expenses
Product: Debt collection

I have been disputing the accuracies of the XXXX funding for the last two year to the three major credit reporting agencies. each time they say it meets the FCRA requirements. How can this be if all three credit reports report something different on the account. This is unsatisfactory to me as the consumer who has to put trust and confidence these agencies to do the right thing. it is a must that XXXX XXXX removed from my report from the three credit reporting agencies immediately due to in accurate reporting practices and procedures. it is time that these report agencies are help accountability for the lack of due diligence thats has been show on multiple occasion to multiple consumers. I have submitted multiple reports showing the inaccurate reporting only for those report to fall to blind eyes. It is my right to have this inaccurate reporting rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX XXXX about a contract they have listed on my credit report. I asked them could they send the original contract because the car they listed in the credit report was from XXXX XXXX XXXX. They told me that they brought they contract because XXXX went out of business. I asked them could they send documents. They agreed however, they sent over somebody named XXXX XXXX bill if sale. 

On XX/XX/XXXX I called again asking for the same information and was told they will get in contact with the back office again and they will try again. They was able to send the payment history. Inside the payment history shows that they picked up the loan XX/XX/XXXX and on theXX/XX/XXXXwas hit with late payments and interest fee but a payment was made in the XXXX which is when I normally payed XXXX XXXX XXXX company. I asked them can they send the payment records from XXXX it looks like the payments started over as if I did not pay XXXX XXXX  which I had for at least a year and they cant produce it. 

The payment history they sent shows that they charged off the the car off for XXXX.But thats not the amount thats reporting on my credit report. I disputed with all three credit reports and they keep updating inaccurate information. 

However they sold the car in XXXX so I doNt understand how they are still charging repossessing fees for XXXX and XXXX along with payments and they had the car since XX/XX/XXXX XXXX
Product: Credit card or prepaid card

4 fraudulent charges were made to the card beginning XX/XX/18. These were immediately reported to American Express Serve, and they were asked to investigate the charges, put a hold on the card and issue a new card. The account has over {$700.00} in it, and the money is needed to pay bills. No card has been issued. No report on the fraud has been given. The card is frozen and I can not get my money. Whenever I call, which is every week, I am told they will have it resolved in 5-7 days, This has been going on since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

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  15 U.S.C. 1681 section 602 A. States I have a 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 with my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Equifax has been reporting XXXX bankruptcies that do not belong to me. I keep on disputing and these credit reporting companies responded with verify and validated which is not true. I went to XXXX Bankrupty Court in person to investigate and Spoken with Court of Clerk. She informed me it could be computer error or someone with same name but they did not verify or validate information on credit file. See attached letter from Clerk of Court
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report with the account I have with Experian and noticed that an inquiry from XXXX XXXX XXXX that is not mine was listed. I tried to contact Experian several times however, once I get an agent on the line the call mysteriously disconnects or drops while on the phone with said agent. After hours and days of attempting to contact Experian, I am left with no choice but to file a complaint through your agency. 

Experian has a false inquiry on my credit report, and I need an explanation as to how this is on my credit profile or a removal. 

My following rights have been violated. 

1. ) 602. [ 15 U.S.C. 1681 ] ( a ) ( 1 ) 2. ) 602. [ 15 U.S.C. 1681 ] ( a ) ( 4 ) 3. ) 602. [ 15 U.S.C. 1681 ] ( a ) ( b ) 4. ) 603. [ 15 U.S.C. 1681 ] ( 2 ) ( A ) ( i ) 5. ) 603. [ 15 U.S.C. 1681 ] ( 2 ) ( A ) ( ii ) 6. ) 604. [ 15 U.S.C. 1681b ] ( a ) ( 2 ) 7. ) 604. [ 15 U.S.C. 1681b ] ( c ) ( 1 ) ( a ) 8. ) 607. [ 15 U.S.C. 1681e ] ( a ) 9. ) 607. [ 15 U.S.C. 1681e ] ( b ) 10. ) 607. [ 15 U.S.C. 1681e ] ( d ) ( 1 ) ( A ) ( B ) 11. ) 619. [ 15 U.S.C. 1681q ] 12. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) 13. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( B ) ( i ) 14. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( B ) ( ii ) 15. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 5 ) ( A ) 16. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 7 ) ( A ) ( i ) 17. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 7 ) ( B ) ( i ) Attached is proof Experian has XXXX as an inquiry on my credit and proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXXXXXX XXXX Account # XXXX has Violated my rights.

15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A also States a consumer reporting agency Can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

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

in the past synchrony bank care credit was made to repair repeated wrongful credit reporting ... now they keep raising the balance on my closed account that i am paying off with no valid reason..they also refuse to delete my bank information
Product: Mortgage

Escrow closed and paid off the existing mortgage using a current demand fro m Shellpoint Mortgage Servicing. Check  was sent via overnight delivery and confirmed received  by Shellpoint on   XXXX   XXXX ,   XXXX  . Escrow contacted Shellpoint on  XXXX / XXXX /  XXXX   to confirm account is satisfied and were told the payoff was short and they had no record of the demand that was provided to escrow h older. Shellpoint i s refusing to accept that this loan is paid in full and since the property is in foreclosure ( with a sale date of  XXXX / XXXX /  XXXX   ) will cause severe harm to current owners of the property secured by this mortgage if they do not accept the payoff sent to them in good faith according to their current demand for payoff.
Product: Mortgage

XXXX XXXX XXXX a debt collection company is stating that I owe a debt to Ameri XXXX XXXXXXXX XXXX XXXX XXXX states they are the mortgage servicer for the company Ameri XXXX XXXX. The issue is I can not find any information about this company, Ameri XXXX XXXX, that I allegedly owe this debt. On my credit report, the creditor line is blank as is the line that states to whom the company, Amerifirst was sold. I am concerned that Ameri XXXX XXXX is a XXXX company. I would like proof that I owe this debt to Ameri XXXX XXXX and that XXXX XXXX XXXX  has the legal right to collect this alleged debt. I am disputing that XXXX XXXX XXXX has the right to attempt to collect this debt that I allegedly owe to Ameri XXXX XXXX. Additionally, Amerifirst Home Improvement filed for bankruptcy and surrendered their license to do business in New York State.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting inaccurate unfair information and I demand the negative remarks are removed. This account was paid in full and closed and it is being reported as a charge off when in fact it is not. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide such information will result in willful compliance to break the law and the FTC ATTORNEY GENERAL, POLICE, AND IRS will be notified of this infringement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account number : XXXX - {$530.00} - XXXX, XXXX Account name : XXXX Account number : XXXX - {$530.00} - XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

The dates some I dont have but XX/XX/year> and XX/XX/year> can be a start I do have emails and screenshotsChime is not good so they have a new feature called MyPay so they charge you to use it basically to transfer fast you have to pay {$2.00} but what they dont tell you is that its added to your limit which will be considered false advertisement and manipulation because all the promotional emails for the MyPay feature not was did it say that the instant transfer fee will be added to your limit Also Chime customer service agents and they supervisors are not understanding nor respectful and rude and I do have screenshots of conversations with customer service online as well and to think I use to like chime but now not so much Im not good with lies, manipulation, rip offs, false advertisement and abuse of power Chime not as good as you think customer service way worse than beforefalse advertisement and manipulation just be ready for a chime settlement/ lawsuit because that new feature MyPay is a rip off
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX : {$400.00}
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account TD BANK USA/TARGETCRED XXXX with an alleged Balance : {$2400.00} and Date Opened : XX/XX/2011 was incurred due to fraudulent charges, which according to VISA/ Mastercard Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax and disputed some old addresses from my report in which on  XXXX   XXXX  got my final response that my dispute was completed. All wrong addresses were deleted. Today  XXXX  I went online to add my current phone number all addresses that was already delete are still showing on my report. This credit bureau is totally messing me up and the process of me buying a home for my children. Their informations are not accurate and they are providing false complete dispute. I expect them to address this issue immediately and update my report accordingly and delete all inquiries that was deleted from another credit bureau. I have attached my document from  XXXX   XXXX  and  XXXX   XXXX .
Product: Consumer Loan

Loan was sold during my chapter XXXXBankruptcy and it was paid in full to Company.
Product: Debt collection

I am writing to file a formal complaint against Credit Control Service regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$220.00}. However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus. 

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. 

Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity. 

In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my signature, which purportedly confirms that proper notification was sent to me. Additionally, I request that you provide me with detailed information about the alleged debt, including the name of the original creditor, the date of default, and the specific charges being claimed.
Product: Checking or savings account

Hey. I had a bunch of charges on my USAA accounts, That i couldnt remember anything about. So I disputed it with the bank. 

There was : XXXX x XXXX ( {$13.00} and {$20.00} ) XXXX XXXX {$100.00} Money transfer XXXX XXXX XXXX {$1600.00}
Product: Credit reporting

I contacted EQUIFAX last month to have this account removed from my credit report as I already paid it off. I received an email back from them shortly after stating that debt was valid and it belonged to me ( which I was never disputing ) all I asked was that it be removed as I paid if in full already. I call EQUIFAX back today XX/XX/XXXX and asked why have n't the item been removed from my credit report yet? The guy was VERY rude and unprofessional. Instead of answering my questions he remained silent on the line for almost 3mins before hanging up.
Product: Debt collection

Debt Collector : National Credit Systems Inc XXXX XXXX  XXXX XXXX XXXX, Georgia Alleged Debt from XXXX XXXX XXXX XXXX XXXX {$700.00}. I do not owe apartment was cleaned spotless by a professional cleaner. National Credit phone number XXXX. Please help me!!!! I dont owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has things on her credit profile in-accurately reporting. We reached out to the Experian credit bureau on XX/XX/2020 and sent out another 30 no response letter on on XX/XX/2020. Neither letter has given a response. I have evidence for both.
Product: Checking or savings account

Apartment was flooded and lotted. Someone committed fraud and took money out of all my accounts with Wells Fargo Bank beyond account limits reckless transactions repeatedly that Wells Fargo Bank should not have allowed.
Product: Credit reporting or other personal consumer reports

I am formally disputing the XXXX XXXX account reported on my credit file. After conducting a detailed review, I have identified numerous compliance issues that do not meet Metro 2 standards and compromise the integrity of this data. Due to these unresolved issues, I am requesting the immediate deletion of this account from my credit report. 

Compliance Issues and Inconsistencies : 1.Inconsistent Payment Status : XXXX and TransUnion report this account as Charge-off, while XXXX lists it as Unpaid balance reported as a loss by credit grantor. This inconsistency in reporting charge-offs across bureaus violates Metro 2 standards, which mandate uniformity in reporting. If XXXX XXXX can not ensure consistent reporting, this account should be removed. 
2.Conflicting Last Updated Dates : The last updated date for XXXX and TransUnion is XXXX as XX/XX/year>, while XXXX shows XX/XX/year>. This discrepancy demonstrates a failure to maintain accurate and timely reporting, further violating compliance standards. Given the lack of data integrity, this account should be deleted if an accurate last updated date can not be verified. 
3.Erroneous 2-Year Payment History : The payment history includes contradictory delinquency statuses across months and bureaus. For example, multiple months are marked as Charge-off ( CO ) inconsistently, with other months showing various delinquency levels like 90, 120 days late, or Not Reported ( NR ). This erratic reporting undermines the reliability of this account and fails to meet the standards of accurate, clear, and compliant data reporting. 
4.Irregular Derogatory Events : XXXX lists 30, 60, and 90-day late payments spanning various months, whereas TransUnion and XXXX do not reflect these derogatory events in the same manner. Such discrepancies indicate a lack of consistent reporting and further demonstrate non-compliance with Metro 2 requirements. Given these irregularities, the account can not be deemed accurate and should be deleted.
Product: Credit reporting or other personal consumer reports

This company is in clear violation of my consumer rights and identity theft. I demand for the CFPB to use the full extent of the law.