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

I am filing this complaint regarding XXXX XXXX repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite resolving a recent dispute and removing an inaccurate account from my credit report, XXXX XXXX has a long history of inaccurately reporting this same account, which has caused significant financial and emotional harm. Evidence from my XXXX FTC identity theft report and a police report proves that this account was flagged as inaccurate years ago. Yet, XXXX XXXX has continued to report this information to consumer reporting agencies ( CRAs ), violating their obligations under the FCRA. 

Details of the Complaint : Nature of the Issue : XXXX XXXX inaccurately reported an account under my name to the consumer reporting agencies. I am not responsible for this account, as documented in my XXXX FTC identity theft report and police report. 
Despite previous disputes and resolutions in XXXX, XXXX XXXX resumed reporting this inaccurate account. 
Most recently, XXXX XXXX removed the account again after a dispute I filed in XXXX, which confirms their error. However, the harm caused by years of negligent reporting remains unresolved. 
Violations of Law : FCRA 623 ( a ) : XXXX XXXX repeatedly failed to ensure the accuracy of the information they provided to consumer reporting agencies, despite being on notice as far back as XXXX. 
FCRA 623 ( b ) : XXXX XXXX failed to adequately investigate disputes and take corrective action to prevent future errors. 
Case Law Supporting Violations : XXXXalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( 4th Cir. 2001 ) : Reinforces the duty of furnishers to ensure accuracy and take responsibility for harm caused by inaccuracies. 
Cousin v. XXXX XXXX XXXX, 246 F.3d 359 ( 5th Cir. 2001 ) : Establishes liability for repeated inaccuracies and harm caused, even if resolved later.

Harm and Damages : Credit Score Impact : The repeated inaccurate reporting of this account negatively affected my credit score over the years, limiting my financial opportunities. 
Emotional Distress : The ongoing stress of disputing this account repeatedly, along with the financial impact, has caused significant emotional harm. 
Financial Harm : Due to the damage to my creditworthiness, I have been denied credit and subjected to higher interest rates. 
Consumer Reporting Agencies ( CRAs ) : CRAs ( XXXX, Equifax, XXXX, XXXX ) also bear responsibility for failing to flag and suppress this inaccurate information despite documentation from my XXXX FTC identity theft report and police report. 
Under FCRA 611 ( a ) and 607 ( b ), CRAs have a duty to investigate disputes and ensure the maximum possible accuracy of consumer reports. Their failure contributed to the harm I have suffered.
Product: Credit reporting

First off ... I send in a request to investigate the misuse of my credit file and Consumer Financial Protection Bureau sends me an email to contact you. I have contacted CFPB over XXXX times, but only got through once. I 'm not calling again. Do the research and fix the issues that I am providing you. 

Equifax has been allowing companies unauthorized by me to view my credit file. I never gave approval for anyone to look at my credit file. I have also had a fraud alert in place with Equifax and I was under the impression that Equifax would contact me if someone was trying to apply for credit with my credentials. I have not applied for credit on some of the listed account on my file. I know that it is illegal for the credit reporting companies and for creditors to look at my file without my approval. According the FCRA, I am entitled to fines up to {$1000.00} per infraction from XXXX parties. Also according to the FCRA, it is illegal, unlawful and unjust to provide my credit file without my approval. I have not seen my signature on file with any of these companies, nor have I signed anything giving them approval to view it. Equifax is to blame for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE S REPORTING 2 DUPLICATED MORTGAGE ACCOUNTS WITH TRANSPOSING NUMBERS, CHASE MUST FORCE XXXX  TO ALLOW YOU TO REMOVE THESE FROM MY CREDIT FILES CHASE HOME FINANCE LLC LOAN NO.XXXX AND CHASE MANHATTAN MORTGAGE XXXX. 

STOP PAYING THEM FOR VIOLATING F.CR.A. AND THE DODD FRANK ACT.  THIS IS MY 3RD REQUEST SINCE 2015.
Product: Credit reporting or other personal consumer reports

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

Account Information : Creditor 's Name XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within XXXX 's 15-day grace period. Therefore, the account should not have been reported as 30 days late.

System processing error : I submitted my payment through the XXXX account portal. However, due to a system delay, the payment was not processed until after the due date, even though it was submitted on time. I was not notified of this delay until after the reporting of the late payment. 
Evidence provided : I have attached bank statements and payment confirmation emails showing that the payments were made on time, demonstrating that the late payments were caused by a processing error and not a failure to pay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

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

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

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

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

Ive previously disputed items on my credit report and a Proper investigation/method of verification was not produced from the bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, Equifax and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) 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 is in clear violation of this law. XXXX XXXX is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. XXXX XXXX has been my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX  Balance {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. I also have attached letter from XXXX removing me from debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Product: Debt collection

Hello : This company is reporting the same debt twice on my credit report to perpective employers it appears as if the debt is two different collections. Please remove this entry and allow the XXXX entry to report this. Thanks.
Product: Credit card or prepaid card

After reviewing my Best Buy/CITI visa statement, I have been getting charged a debt protection fee since at least XXXX of 2018. The accumulated total for those fees since XX/XX/2018 is {$450.00}. I never agreed to any type of protection service and I am not exactly sure when this fee started to appear on my statement ( I can only go back to XX/XX/2018 ). I recall a similar incident with Best Buy some time ago before the Best Buy credit card transitioned to a CITI Visa. I asked them to remove the protection and credit me back and they did. Today I spoke to Best Buy and they agreed to remove the protection going forward but a refund would have to wait 30 days to see if it was approved or not. So they have been charging this fee for nearly 2 years but I have to wait 30 days to see if they will approve crediting me back. There are no guarantees it will be credited back to me and from the research I have already done, it appears most folks are not successful in receiving a refund from Best Buy.
Product: Checking or savings account

I was a Wells Fargo customer, ( XXXX ) and they continuously overcharged my account
Product: Debt collection

Date opened : XX/XX/year>2024 Original Balance {$760.00} Current Balance {$750.00} Original Creditor XXXX XXXX XXXX XXXX : National Recovery Agency They are not Licensed to do business in Delaware
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete these accounts immediately
Product: Vehicle loan or lease

On XX/XX/XXXX my company vehicle was in a total loss accident in XXXX XXXX, XXXX. 

My company vehicle is financed thru Ally Financing. Today I am writing this letter and it is XX/XX/XXXX and I have not heard anything from Ally Financing. I have mailed them information and I sent an email and the only response was to give them a call. 

I have called several times and the gentleman that works in the Loss/Claims dept. states that he has not been able to speak with anyone from XXXX XXXX XXXX but the Insurance company say they haven't been able to speak with anyone from Ally, but I am the client and have been able to speak with both of them. XXXX XXXX has been quite responsive and I have attached email conversations. The only answer Ally 's representative gives me is that they haven't heard anything from the insurance company and I need to continue paying for a vehicle I no longer own, and they can not lower or negotiate a payment method until they hear something from the insurance company. This has been going on now 3 months going into the 4th month. 

As a customer I just want some type of resolution to make payment arrangements so I can move forward, and I was 30 days late because I wanted to hear something from Ally and they immediately submitted a late payment notice and the credit bureau lowered my credit score by XXXX points. I sent a letter to the company and they responded that they had the right to do it, but they do not want to reach out and have a conversation to settle with the insurance company and I am baffled. 



Thank you
Product: Consumer Loan

My bank Wells Fargo did not allow a stop payment on an ACH withdrawal after I had requested that the payment be stopped. I was then logged with another {$35.00} overdraft fee after I could not cover the cost of the ACH withdrawal. I could n't afford gas or everyday necessities like food because the little money I had in my account was taken out.
Product: Credit card or prepaid card

I have an account through XXXX XXXX for a store credit card. In XXXX, my total balance due on the account was {$75.00}, due on XXXX/XXXX/XXXX. I paid that total amount due of {$75.00} on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, I received notification through a credit monitoring service that I have that something had been reported on my credit report. I discovered that XXXX XXXX reported my account as being delinquent. I called XXXX. The first person I spoke to said that my account had been charged a finance charge after my XXXX payment, but it was an error and the account would be put back to a zero balance. I said that my main concern was that this has now been reported on my credit report. He said he did n't know what I could do about that other than contacting the credit bureau, but he would transfer me to their customer service department. The gentleman in customer service told me that the previous gentleman had misinformed me. He said there was no error on my account, and that I was charged " trailing interest ''. He said that they can charge this additional interest even if the account is paid in full by the due date because this is their new way of calculating interest. I said there is no way that they can charge interest on a balance of zero dollars. He said that in light of the situation, he would attempt to have this removed from my credit report, but it would take at least 35 days and there 's nothing he can do about that. He said that I should be receiving something in the mail to document it. In addition to them charging me interest on a XXXX balance, I went back through my emails, which is how I receive all my communication regarding this account, and I have never received a single email from XXXX stating that I had a balance due, a past due balance, or that my account was in a delinquent status. I receive emails from them about every other kind of activity on my account, so I find it odd and unsettling that I received no notification of this situation.
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$300.00} XX/XX/year> {$300.00} XX/XX/year> {$550.00} XX/XX/year> {$550.00} All these charges are from unauthorized charges with cashapp never got to speak to a person in regards to the charges and nothing was ever done about them. I just had to accept that it was a loss of my hard earned money
Product: Mortgage

When I started the process things started off great, but as the process continued the communication was inconsistent with Equity Prime Mortgage. I would submit paperwork in a timely fashion and would not get a reaponse back or they would say they never received certain paperwork then they would search for it and say it was mixed up with other paperwork. We were suppose to close on the XX/XX/2018 and I did a final walk thru with the builder and heard nothing from Equity Prime until I showed up to the title office to sign the paperwork were the title officer informed me to call Equity Prime. Then I was told I needed more paperwork. At this time I already hired movers and gave my former landlord the date I was leaving XXXX XXXX to XXXX. With this whole miscomunication my family is stuck in a hotel for a week because now I have to delay delivery of my furniture to find a back up or rental property. This has caused unnecessary stress to my kids and my XXXX  wife.
Product: Credit card or prepaid card

Approximately two years ago I went to Sears in XXXX XXXX Texas to purchase a new dishwasher. After I selected one, the salesman said, No need for you to write out a check. Ill just open a credit card account for you. Unfortunately, I allowed him to order a Sears Mastercard for me. I was the only signature on the application for the card. I received the card by mail and made the payments as required by the statement. 

My wife left me on Monday, XX/XX/XXXX, without my knowledge, and moved to Oklahoma. I did not realize it then, but the paper statements I had been receiving by mail, stopped. She instructed Sears to begin emailing the statements to her. Sears should have contacted me when she started using the card and, most definitely when she instructed Sears to send her a card in her name. She continued using the card in Oklahoma and making the minimum payments required. In XX/XX/XXXX I received a paper statement from Sears. The amount due was over {$10000.00}. I phoned Sears Mastercard and made a fraud accusation. I feel that it was Sears Mastercards responsibility to call me and tell me that the statements had been changed from paper to email ; or at the very least, let me know that there was increased usage on the account and that she now had a card in her name on this account. I would have immediately canceled the card. Sears Mastercard sent me an updated statement with a balance due of {$2400.00}. They have now sent me another statement in the amount of {$10000.00}, with a letter saying they are finding ME responsible for these charges. 
I have been receiving multiple phone calls a day that are rude and demanding. I dont feel this case has been resolved. In addition, I feel that if the company had conducted themselves in a professional manner and contacting me at any time to inform me of the changes being made on the account, I would have been able to avoid this whole situation. I have always paid my bills in a timely manner and retained a credit score at approximately XXXX. Due to negative information given to the credit bureaus by Sears Mastercard/Citi card, my credit score is now in the mid XXXX. 

By reading the information on the website consumer.ftc.gov, it seems to me that the charges made on my card after XX/XX/XXXX are unauthorized and my responsibility ends at {$50.00}. 

Your help in this matter would be appreciated. 

XXXX XXXX
Product: Vehicle loan or lease

Capital One Auto Finance has sent me a letter with an account number with an attachment on how they share my information. I have not applied for anything from Capital one and should not have an acct number of any kind presently. 

Capital One Auto Finance XXXX XXXX XXXX XXXX Texas XXXX XXXX I have not applied for anything from this company Addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX did not want to disclose my personal information to the company to clear problem. 
I can not upload information. Letter is dated XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my FCRA rights based on 15 U.S.C 1681 Section 602A and 15 U.S.C 1681 Section 604 Section 2, I have a right to my privacy and any consumer reporting agency can not furnish an account without my written instructions and the following have violated my legal rights based upon FCRA. 

XXXX Account # XXXX Dept Of EdXXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXX Chapter XXXX bankruptcy discharged Case # XXXXXXXX XXXX XXXX  Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.