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

This complaint is regarding the reinvestigation of the information I disputed on my investigative consumer report. You claim the information on my investigative consumer report regarding the account ( s ) I disputed is verified as accurate. I want the description ( s ) of your reinvestigation. The consumer report you prepare for me shall follow reasonable procedures to assure maximum possible accuracy of the information concerning me Pursuant to 15 U.S. Code 1681e ( b ).

Your procedure ( s ) is insufficient regarding a fair, accurate, equitable, confidential, reasonable reporting of me pursuant to 15 U.S. Code 1681a ( e ). Congress finds that you are to have accuracy and fairness of credit reporting and reasonable procedures pursuant to 15 U.S. Code 1681 ( a ) and15 U.S. Code 1681 ( b ) of the Fair Credit Reporting Act. From your reinvestigation, my investigative consumer report did not include information on my character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associates of me or with others with whom he is acquainted or who may have knowledge concerning any such items of information. In fact, from your reinvestigation, my investigative consumer report only included information on my credit record obtained directly from a creditor of me when such information shall not be included in an investigative consumer report. You evidently violated the FCRA!!

I WANT THE NAMES AND ADDRESSES OF ALL NEIGHBORS, FRIENDS, ASSOCIATES, ETC. THAT YOU SPOKE TO SINCE YOU INVESTIGATED THE ACCOUNTS ON MY CONSUMER REPORT AND VERIFIED IT AS ACCURATE. Because Congress says in order for you to have conducted an investigation you had to have spoken to neighbors, friends or associates, etc., and if you spoke with them the information provided can not be factual.

With this complaint is the confirmation that you received my correspondence via mail.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention that there are entries on my consumer credit report resulting from identity theft. I want to emphasize that I neither provided written authorization nor instructions for these specific transactions to be included in my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], and the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681a ], I hereby formally request that the reporting of this information be blocked and promptly deleted from my credit report. I want to make it explicitly clear that my request to block and remove this information is not made in error, nor is it based on any material misrepresentation of facts by me pertaining to the transactions in question. These identified transactions are not related to any of my own financial activities as a consumer, and they have been listed as follows : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Delete this account for Violation and inaccuracy because the date open of the account the Account name XXXX XXXX  Account number XXXX reported is incorrectly on XXXX, XXXX and Transunion ; again the DATE OPEN is incaccurate. In addition, number of late payments and status of account on XXXX do NOT match with XXXX, XXXX, and Transunion. Balance is incorrect, and Date reported are incorrect on XXXX, Transunion and XXXX
Product: Debt collection

Consumer Financial Protection Bureau po box 2900 Clinton, IA 52733-2900 Subject : Formal Request for Debt Validation Dear CFPB, I am writing to formally dispute and request validation for one or more collection accounts appearing on my credit report. I believe these accounts may be inaccurate, and I am requesting that the debt collectors provide proper documentation to verify the validity of these debts.

Under the Fair Debt Collection Practices Act ( FDCPA ), I request the following : 1. Full validation of the alleged debt, including an itemized breakdown of the amount owed and any fees or charges applied.

2. Proof that the collection agency has the legal authority to collect this debt, including documentation of assignment or transfer.

3. The name, address, and contact information of the original creditor. 

I request that these accounts be removed from my credit report until proper validation is provided. If the information can not be verified, I ask that the accounts in question be permanently deleted in compliance with the Fair Credit Reporting Act ( FCRA ). 

I appreciate your attention to this matter and look forward to a timely resolution. 

Thank you.
Product: Debt collection

I have been violated by XXXX XXXX XXXX  on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. Transunion is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.
Product: Credit card

I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the actions of Apple Card, issued by Goldman Sachs, which have had a negative impact on my financial standing and creditworthiness. 

In the early part of 2024, Goldman Sachs, the issuer of my Apple Card, reduced my credit limit from {$4100.00} to {$900.00} without providing any prior notification or a clear, justifiable explanation. This decision was reportedly based on actions taken by Synchrony Bank, which had reduced the credit limit on one of my other accounts. As a result of this arbitrary and cascading action, other credit card issuers followed suit, further lowering my available credit limits.

This sequence of events has caused significant harm to my credit score and overall financial health. The reduction of my credit limit by Goldman Sachs has artificially increased my credit utilization ratio, a key factor in determining credit scores. Furthermore, this practice of basing credit limit decisions on unrelated accounts held with other institutions raises serious concerns about fairness, transparency, and ethical conduct. 

I believe that this tactic employed by Goldman Sachs is not only unjust but also potentially discriminatory. It appears to penalize customers for actions beyond their control, taken by other financial institutions. Such practices can create a harmful domino effect that disproportionately impacts consumers and undermines their financial stability.
Product: Mortgage

Speaking succinctly, I have had issues with Nationstar doing business as a debt collector as Mr. Cooper since they have had my loan! Having spoken with knowledgeable, reliable lawyers who are involved in a suit with them representing many former mortgagees who have lost their homes to foreclosure by the named company 's above, I am not going to let them do that to me! I have been with them since 2008 but not by choice! They bought out my former mortgage company! There are many issues! # 1, there is no clear monthly division of loan payments shown in the std format of amounts to : principal, interest, escrow, and declining loan balance!! I requested all of mine dating back to 2008 and in many years, there were very few amts applied to principal! Escrow always runs a deficit due to 2 deductions for taxes a day apart or the same day! My total loan balance would go down only to go back up several thousands of dollars! I have asked questions many times without concrete answers! I will be happy to share the name of an atty in XXXX, Illinois who has filed suits on them for property owners who lost their homes due to foreclosures by the above named entity! They are attempting to do the same thing to me! Please find my attempts to resolve my issue below!
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   XXXX  inputted a credit inquiry on my credit report without my authorization.
Product: Debt collection

CAINE & WEINER COMPANY PLACED A COLLECTION ON MY CREDIT REPORT FOR SOMETHING THAT I DON'T HAVE ANY KNOWLEDGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute With experian on XXXX XX/XX/2020. OnXX/XX/XXXXmy dispute was settled. This is a total joke. They said that after investigation the dispute was denied all with in 24 hours. The company I was disputing was XXXX probably a huge client of experian! How can they get away with this? 24 hours later I am denied! they did not wait to receive the documents I mailed! 
I dont expect to get justice in this matter however how long has this been going on! I expected a complete investigation I am a victim of collusion for sure! Stop this from happening to someone else!
Product: Debt collection

It is insane I get multiple calls and no voice mail. Called the number and the recording stated Mr Cooper debt collection call, please hold for next available person. Here is the kicker, my mortgage is not late until the XXXX of the month! Today is only the XXXX. The Mr Cooper person told me they are allowed to start debt collection calls beginning on the XXXX day of the month. I told them there is no debt to collect until the payment is late which would be the XXXX of the month and today is only the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting inaccurate public record information to my consumer report. There is a bankruptcy located on the report for which is inaccurate. In addition, my given social security number is being used by this company without my authorization and/or signature.
Product: Checking or savings account

I need immediate access to my funds from the account closure cashiers check Bank of America mailed to me but I havent received. I have waited over 30 calendar days for my account closure cashiers check in the amount of XXXX in the mail but it hasnt came. I choose to not wait any longer. I need immediate access to my funds from the account closure check Bank of America issued to me and supposedly mailed to me. I have waited a reasonable timeframe for the cashiers check in the mail and I cant afford to wait for my funds any longer. BOA said it was mailed out on XX/XX/24 but I havent received check or seen the check in my USPS informed delivery. I understand Bank of America isnt responsible for USPS mailing delays but they havent offered me a reasonable alternative to access my funds either. I have been patient and have waited a reasonable timeframe for the check to come. Im entitled to my funds and I would like access to them. Bank of America has failed to offer me fair and reasonable methods to access my funds after repeated request. I have been patient with and haved waited 30 days and I cant wait any longer. Im a small business owner and I need my funds. I appreciate Bank Of America addressing my first complaint and reopening my account, so that should make it easier to access my funds instead of waiting. This complaint is strictly regarding my account closure cashiers check that I havent received and the access to the funds from that check. I need my funds immediately and I cant stress this enough. I also cant wait 120 days for another check to be reissued. Thats totally unreasonable and unacceptable. Bank Of America issued the cashiers check so I need Bank of America to give me access to the funds from that check.
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 : Account Name XXXX XXXX  XXXX # XXXX XXXX Account Name : XXXX  XXXX {$600.00} 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 an account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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, credit repair services, or other personal consumer reports

I tried to temporarily lift the freeze on my credit report at Experian.com. Trying to retrieve my PIN online did not work and the account froze or something as I keep getting a message to send them a letter. I don't have time to do that as I'm in the middle of trying to refinance my home and every day 's delay can potentially cost me. There is evidently no way to talk to a human and their bot is pretty stupid. What else can I do?
Product: Credit reporting or other personal consumer reports

This is one of several attempts to inform XXXX credit bureaus that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The records I'm questioning are related to no transactions involving the acquisition of products, services, or money that I initiated or authorized. Assuming no one cares, erase any information in my credit report that is the result of alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and 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 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 reported in months that are reported late to be removed.

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. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XX/XX/22 also XX/XX/22 asking XXXX, XXXX, and Equifax to investigate my accounts. Its been over 30 days. These consumer reporting agencies are in violation. 


According to USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And, They didnt even record the current status of disputed information which is another violation. 

I have all evidence attach below
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an identity theft report to Equifax # XXXX. I have been incarcerated for 15 years, and have no knowledge of the fraudulent accounts on my credit file. I will attach proof of my incarceration. An extended fraud alert was placed on my credit file but the fraudulent accounts remain on my credit file. This is a direct violation of my rights as a consumer under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently i received a copy of my XXXX credit report and noticed an unauthorized opened account from Suntrust added to my credit file, i did not give permission for XXXX or any one else to run my credit, i did not apply for loans or any credit cards with Suntrust. XXXX gave Suntrust credit card company access to my credit file without my permission. there is a Suntrust account that is reporting balances and late payments in my XXXX credit file that do not belong to me and when ever i talk to XXXX they blame Suntrust and when ever i talk to Suntrust they blame XXXX saying they must have my file mixed up with someone else 's, and no matter how many times you contact either party. they keep blaming eachother, i feel as if i'm not getting any real investigation.
Product: Credit reporting or other personal consumer reports

Account paid didnt transfer when switching to XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect late payment entry on my credit reports. This incorrect information has been reported to the credit bureaus XXXX, Experian, and XXXX by XXXX XXXXXXXX XXXX. 

Account Details : Account Number : XXXX XXXX XXXX XXXX Last Reported Date : XX/XX/XXXX ( LATE PAYMENT ) Reported Late Payment Amount : {$90.00} Open Balance XXXX {$90.00} Credit Limit : {$2000.00} Statement of Dispute : Upon reviewing my consumer reports, I discovered a late payment entry that is factually incorrect. I have never been late on any payment for the aforementioned account. Since XXXX, I have had automatic payments set up from my bank account to ensure all payments are made on time. There has never been an authorization to remove this auto-pay setup. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, the term " consumer report '' excludes transactions or experiences directly between the consumer and the business. Reporting agencies are required to ensure the maximum possible accuracy of the information they provide. Reporting an inaccurate late payment constitutes a violation of this requirement. 

Action Requested : I demand that this incorrect late payment be immediately removed from my credit reports. If proof of the alleged late payment can not be provided, I insist that my payment history be updated to reflect on-time payments as they have always been.

Consumer Reporting Agencies have a vital responsibility to report consumer information accurately. The incorrect late payment reported by XXXX XXXX XXXXXXXX has caused unnecessary damage to my credit score and financial reputation. I urge you to investigate this matter promptly and correct the inaccuracies in my credit reports.

( 15 U.S. Code 1681a ) : Consumer Report : A consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Maximum Accuracy : Agencies must ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Attached copy of my documents for verification
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I tried to write a check for cash at a XXXX supermarket and It was denied. this is the first time this has happened. I sent off for a report on me and it came back with no reason they denied the check. The same thing happened today XX/XX/2021 at a different XXXX. I have written many checks here over the years and have never had one returned or denied. They have wrong information on my list of checks I have written and I do not have a way to correct them since I can never speak to a live person. There is no reason for this and this company is going by wrong or no information. The company is Certegy. Both amounts were for {$77.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? 
XXXX XXXX XXXX has flagged your account as Charged off as bad debt with XXXX, which may negatively impact your credit score based on TransUnion data.

Source : TransUnion Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Activity : Charged off as bad debt 15 U. S. C.1681 section 602 A States I have the right to privacy 15 U. S. C. section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions