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

My account with XXXXXXXX XXXX  was never late! I have had exceptional payment history with 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  Never Sent the periodic statement along with the disclosures from section XXXX637 ( 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

Spoke with XXXX XXXX from XXXX XXXX who verbalized over the phone though I requested in writing a copy of documents utilized for disputes for inaccuracies collection accounts, address inaccuracies, employment information, and prevention from accessing my electronic credit file. XXXX and stated that we are not going to give this information, we do not utilized any particular documents to validate debts reported, and that you can subpoena them if I wanted any information. The negligence and malicious management of XXXX as well as there abuse for management of my credit file has result in years of damage to my credit reputation. They continue to violate my consumer rights according to FCRA and do not properly investigate disputes or inaccuracies. 


After speaking with XXXX a dispute specialist with XXXX, she also failed to explain how my disputes for inaccuracies were properly investigated and how they were closed with minutes apart after submitting information that proves the inaccuracies should be deleted. I have submitted more than 3 disputes for collection accounts, address inaccuracies, other personal information, and employment information that is inaccurate. I also submitted a certified letter to correct these inaccuracies in XX/XX/2021 with a copy of my identification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has repeatedly communicated with me both directly and indirectly by duress and coercion. My vehicle was repossessed which they had no right to do as there is no UCC filed meaning no lien is present. Theyve sent multiple correspondence lowering the price in order for them to remove. They went as low as requesting me to pay {$2000.00} and they would delete and remove because they are aware that I truly owe them nothing. The car was paid for at the consummation of the transaction to which I had no awareness. The contract was also subject to arbitration to which XXXX XXXX failed to comply by and illegally and unlawfully repossessed my car and still trying to purchase the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been putting me through emotional distress i had fraudulent accounts on my report they deleted it and put it back on my credit report. This is causing me a lot of problems. Its against the law to delete an account and place it back on the credit report
Product: Debt collection

Capital One Bank charged off my account in XXXX and then sold my non-public personal information to a debt collector, XXXX XXXX XXXX, XXXX in XXXX. Capital One discharged this debt in XXXX and yet XXXX XXXX XXXX has been reporting negative items to my consumer file for the past 3+ years. This has caused a great deal of harm to my quality of life. The law states that once a debt has been discharged, the debtor is no longer liable for the debt and the lender can no longer pursue the collection of the debt. XXXX XXXX knowingly sold my non-public account information after discharging the debt. Not only is this is a violation of the Privacy Act of 1974, but Both companies colluded to commit securities fraud against my SSN and admitted to doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have payment arrangements monthly with capital one auto financial! 
I have successfully been making payments as scheduled per arrangements! 
However, I been sick since XX/XX/2020 with XXXX and hospitalized with complications! 
Im still off work waiting on income. 
Although my payment arrangements are still being met on time! Capitol one auto finance is continuing to report negative late payments thats hurting my credit scores. I called them to resolve the issue asking for respect and curtesy for XXXX reliefs! 
I was sent to escalation team and I was told to file a complaint that I was still considered late paying.
Product: Debt collection

I keep getting calls from XXXX XXXX regarding asset location. They asked to confirm the last XXXX of my social security and DOB. I told them that info did not match me ( it does not ). They became abusive and accused me of lying. They then call my place of business and talked to my supervisor, telling her I was a liar. I am not. They have called me at home, on my cell and at work numerous times and just wish them to stop. I have told them repeatedly that they have the wrong guy but they always become abusive and I just hang up. This should not interfere with my work, let alone my private life. The person they are looking for, if the ss # and dob they have is correct, is not me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Complaint Regarding Experians Non-Compliance with FCRA and Improper Dispute Handling Practices I am filing this complaint to report Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) and address the persistent inaccuracies in my credit report despite multiple dispute attempts.

1. Background of the Issue : I have sent multiple dispute letters to Experian requesting investigation and correction of inaccuracies on my credit report. These disputes were made under the rights provided by the FCRA, specifically : 15 USC 1681e ( b ) : Failure to maintain accurate credit reporting practices.

15 USC 1681s-2 : Responsibility of furnishers of information to provide accurate data.

15 USC 1681i ( 5 ) : Obligation to investigate disputes and remove inaccurate information.

15 USC 1681c ( c ) : Requirements for the appropriate handling of outdated or prohibited information.

Despite providing detailed documentation and supporting evidence, Experian has failed to properly investigate the disputes, as required by law. In some instances, errors that were briefly removed were subsequently reinserted without proper notice.

2. Reference to CFPBs Recent Lawsuit : I recently became aware of the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian, alleging systemic failures in their dispute investigation process ( " CFPB Sues Experian for Sham Investigations of Credit Report Errors, '' XXXX XXXX  ). This lawsuit highlights practices that closely align with my experience, including : Improper handling of consumer disputes. 

Failure to conduct reasonable investigations into reported errors. 

Re-inserting previously corrected inaccuracies without notifying consumers.

3. Impact on Me : Experians actions have caused significant harm, including : Lowered credit scores, which affect my ability to secure credit, housing, and employment.

Emotional distress and frustration from repeated attempts to resolve the issues.

4. Requested Resolution : I request the CFPB to : Investigate Experians handling of my disputes and compliance with FCRA.

Ensure that Experian corrects all inaccuracies on my credit report permanently.

Impose any necessary penalties or corrective actions to prevent future non-compliance.

Attached to this complaint are copies of : My original dispute letters. 

Responses ( if any ) received from Experian. 

Evidence of inaccuracies on my credit report. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to ensure my rights as a consumer are protected. 

Sincerely, XXXX XXXX
Product: Bank account or service

In XXXX 2015 I mailed out a check for {$890.00} to XXXX XXXX who is my landlord. This check was for my rent. This check number was XXXX. On XXXX XXXX I noticed the check was cashed against my account. On XXXX XXXX My landlord called me and stated she still had not received the check. I then went to XXXX bank and they printed out the check for me. The signature on the back of the check was signed XXXX XXXX. I filed a claim with XXXX bank on XXXX XXXX stating I did not give XXXX XXXX permission to cash my check. The claims department stated they did not receive my claim and I had to go back to the bank 3 times to resend it. They finally received the claim on XXXX XXXX. I called XXXX claims department to check on the claim and they stated the claim was approved and I should have the money in my account 3-7 business days. On the 6th business day I called again to check on when I was getting my money and I was told the claim was n't approved it was actually denied. XXXX then told me they got Bank of America to reopen the claim and it should be completed within 30 days. I then received a call from XXXX XXXX from the XXXX XXXX station where I currently live. He told me the cops found XXXX XXXX XXXX in possession of my mail and about XXXX other victims. He then asked if I wrote a check to XXXX XXXX for {$890.00} and I told him yes. He said that this suspect by the name of XXXX XXXX XXXX was arrested for fraud and that they had the suspect who stole my check and gave me a police report number. The report number is XXXX. I then called XXXX and gave them the police report information. I was then told on XXXX XXXX 2015 that XXXX sent Bank of America a demand letter. On XXXX XXXX XXXX did a follow up with Bank Of America and Bank of America stated an expected date of completion would be XXXX XXXX. On XXXX XXXX XXXX informed me they closed the claim due it being beyond the 120 days that they had to work on this claim. I called Bank of America and all they would tell me is that they denied the claim with XXXX. If this matter is not resolved I am going to follow through with a lawyer and sue for this amount plus more. This has cause me to have to move and put a lot of stress on me after I gave birth to my son.
Product: Debt collection

On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX placed an account for the amount of {$880.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Product: Debt collection

I have asked Weltman , Weinberg & Reis to not contact me at work and they have continued to call and leave messages, even after told them that I would have my attorney contact them.
Product: Checking or savings account

Wife was victim of a phone scam. She sent money via our banking app, but we immediately identified it as a scam and tried to contact the local branch of Sandy Spring Bank. They refused to assist in the cancellation of the illicit fund transfer or assist in any sort of fraud reporting. We have lost {$500.00} to a scammer and the bank has done nothing to assist despite being notified immediately and having the ability to halt the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to rebuild my credit and it seems nothing is ever removed or corrected with the  XXXX  credit reporting agencies I reach a score then I receive a notice that my  credit score  has dropped  XXXX  points or  XXXX  and have the sam e collectors just year after year still appearing on my report I am a veteran and have a veterans home loan but I can never seem to reach the credit score to obtain a loan it 's been 15 to 18 yea  rs that these debts have been on my report
Product: Mortgage

I reached out to my mortgage company on XX/XX/XXXX in regards to a missed payment that happened in XXXX of XXXX. I purchased the home in XXXX of XXXX, several months before my wife became terribly XXXX My wife was diagnosed with severe XXXX XXXXXXXX and was XXXX for several months during late XXXX to early XXXX. The doctors had to perform XXXX XXXX just to keep her in a stable condition, this was a serious life or death matter for her. Later when I experienced the XXXX of my wife, I became her sole care provider and became disorganized with respect to making timely payments on Loan No : XXXX. Before my wife 's XXXX, my record was spotless in on-time payments, and since I missed a payment, I have worked diligently to rehabilitate my relationship with the mortgage company and have not missed a payment since then. I have advised the mortgage company of this and have even sent goodwill letters in hopes of forgiveness for this missed payment due to my wife 's XXXX. I have even asked if I could supply documentation that would assist in reaching a positive outcome, I asked if I could furnish my wifes XXXX records, diagnosis paperwork, and aftercare procedures if it was needed.
Product: Debt collection

XXXX XXXX company put this account into collections in my name, in the amount of XXXX dollars for an XXXX room doctor. 
XXXX XXXX XXXX XXXX. In XXXX, La. 
They are asking for payment for only the XXXX room doctor. 
Im already making payments to For this XXXX room visit. 
The bill for the entire visit is considered one and includes the services provided. 
So to now request a bill only for the XXXX room doctor ; would be considered double billing. 
I am still making payments for the XXXX room visit from XXXX, 2014.
Product: Credit reporting or other personal consumer reports

Credit fraud- Someone tried to open a credit card with JPMCB Card Services on XX/XX/2024. I did not authorize this attempt and it was not me. It is placed as a hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

TransUnion has sent me a letter stating that my FTC report is invalid which is untrue and I've been battling this out for 9 months now trying to get them to remove XXXX  XXXX or XXXX  XXXX from my credit report. This account is not mine and it needs to be removed from my credit report it's a {$23.00}, XXXX that is not mine that I've sent a valid FTC report and several documents validating it is not mine and they tell me that my documents are not valid
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up dispute to Transunion about the negative inaccurate account of XXXX  XXXX and the FCRA violations to my Credit Report Im the attachment will be proof of my identity with utility bills with my current address and proof of the inaccuracy of the XXXX  XXXX account Any documents of proves will be in file attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion XXXX XXXX. The dispute was to have Chapter XXXX removed from my report. It was originally discharged, XXXX/XXXX/XXXX and only reopened for a month in XX/XX/XXXX to correct a document. It should not remain on my report. I have not heard anything from Transunion after faxing the information. When I go online and enter my dispute # nothing comes up. I have called twice and nobody can give me any details of how they are resolving the situation. When I look at my credit monitoring it still shows up and my scores have dropped by 20 + points. There is also another negative remark from XXXX XXXX XXXX that shows as a discharge on my report for {$1000.00}. It was recently added XXXX XXXX. I mentioned this in my dispute and they are doing nothing on my behalf to investigate this. The item from XXXX is not my loan. This was a loan they had with my son that was closed XX/XX/XXXX and now they are adding this negative remark to my report 14 years later. It is my ask that these things are removed from my credit reporting with Transunion and any other reporting agencies. I have tried to get answers from Transunion but I am getting nowhere.
Product: Debt collection

The debt collector leaves up to 4 voicemails a day stating that there is a lawsuit against us. When contacting they demand an address and social to serve us papers. They have stated that a case number will not be assigned until the papers are served which is false and misleading tactics. They make threats to call employers 100 's of times a day to get you fired and to call family members in a similar fashion until we settle with them or the family member pays the debt. The debt they are attempting to collect on has been paid for over 9 years and the account has been closed for the same amount of time. They ignore the cease and desist and have made threats to have someone waiting for us when we get home.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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  Balance : {$990.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX   Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX  Balance XXXX {$510.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$610.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Chage off account was incurred due to identity theft and I am submitting this CFPB Complaint to you today to request that you remove this account off of my Credit File in accordance with the fair Credit Reporting Act section 605b. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated the FTC report into this complaint in compliance with the requirements of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove the account : XXXX XXXX XXXX Balance : {$290.00} as soion as possible in compliance with the Fair Credit Reporting Act. I've heard that you are compelled by federal law to remove the disputed items that were the consequence of identity theft under the Fair Credit Reporting Act section 605b. So kindly abide by the law.
Product: Prepaid card

This complaint is in continuation of my previous complaint id # XXXX. 
The response from Macy 's was to contact XXXX Customer Service at XXXX for additional assistance. However, XXXX has no such customer service number. Even if we try a different number to reach XXXX, they have no information about the Macy 's gift card. 
This is a big SCAM by Macy 's and should be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$230000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been able to get a credit report from annual credit report for Equifax. If I have its been several years since I have been able to. I am not able to pass the verification questions because they have wrong data on my reports. I sent a copy of my drivers license and my social security card to them certified mail and they received it on the XXXX of XXXX. I called and explained the issue, and was again asked about 10 more open ended questions about my report. I explained that I was in bankruptcy and that I would need to know if she was looking for information from before or after. The representative did not know how to answer that question. She continued to ask me questions and then locked me out again. She had my drivers license and social security card the whole time. The purpose of me sending my documents was to avoid having to answer those questions again. I am now being told that they want a copy of a bill. Once I provide that they will do the something again. I can see incorrect information on my credit report through another bureau that Equifax is reporting. My rights are being violated by this reporting agency. They are refusing to give me my report but are continuing to ask for more and more information. I spoke wit XXXX, in a country outside of the us and her agent number is XXXX. It is now XX/XX/2019 and this company never sent my credit report after getting my documents on the XXXX of XXXX. They also told me that I could not log into Equifax.com due to my IP address but my partner is logging in just fine on the same computer. I need help.