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

On XX/XX/XXXX I scheduled a payment to XXXX XXXX XXXX. The payment returned due to reasons beyond my control. I called XXXX to recover the payment via debit card in which they would not accept. A rep even advised me XXXX or Toyota Motor Credit were going to run my check again so therefore I did not have to schedule a payment to avoid having a duplicate payment. I called my bank to confirm XXXX only attempted the payment once and XXXX did. I assumed XXXX was going to run the payment again that day or the following day since I was told they were going to by a XXXX XXXX rep. I diligently called XXXX to get this payment recovered before the payment reversed in their system. I received conflicting information about their attempts and process. The information they provided was very misleading and deceptive which prevented me from recovering my payment in time to stop the reporting of the delinquency. I 've always made my payments on time including this one time. They allowed me to make a double payment the following day after they determined they were not going to make that attempt again. So now my credit is ruined because of their negligence and inconsistent information.
Product: Credit reporting or other personal consumer reports

I am making a CFPB complaint against XXXX XXXX XXXX and all 3 credit reporting bureaus. On XX/XX/XXXX, XXXX XXXX XXXX reported a charge off as a major derogatory mark on my credit report to XXXX in the amount of {$290.00}. Per IRS Publication 4681, Charge offs on credit report are certificates of indebtedness which becomes income and income can not be reported to your credit report. Prior correspondence was sent regarding the issue on XX/XX/XXXX to the Chief Finance Officer of XXXX XXXX XXXX, XXXX XXXX. 

I am making a CFPB complaint against XXXX XXXX and all 3 credit reporting bureaus. On XX/XX/XXXX, XXXX XXXX reported a major derogatory mark on my credit report to XXXX in the amount of {$1100.00}. Prior correspondence was sent to the company on XX/XX/XXXX where I exercised my right to opt out per 15 USC 6805. 

I am also making a complaint against Flagship Credit Acceptance and all 3 credit reporting bureaus regarding pure accuracy reporting per 15 USC 1681. As of XX/XX/XXXX, the payment reflection on the report is inconsistent for all 3 reporting credit bureaus. Prior correspondence was sent on XX/XX/XXXX to the CEO of the company regarding the issue.
Product: Credit card

I had an XXXX XXXX credit card with a {$XXXX} fee. The fee was coming up for renewal In XXXX. In XXXX I downgraded my card to a no fee XXXX XXXX card. The rep who conducted the downgrade assured me : 1 ) that my account tenure would remain the same, 2 ) that my account number would remain the same, but it changed 3 ) that I would no longer have an annual fee, but the {$XXXX} fee from my old card has now been transferred to my new no fee card I have contacted Citibank twice after I saw the {$XXXX} charge. Each time I have gotten a different response as to when they are going to credit my account. The most recent rep said I had to pay the fee and then they would place a credit. That makes no sense. Why should I have to pay a fee for an error on their part? Why am I inconvenienced due to their system processing cycling times of posting annual fees?
Product: Mortgage

My loan was sold to Shellpoint from Green Tree.

Shellpoint put my wifes name on the loan. My wife has NEVER been on the loan. Shellpoint has started putting my wife on the mortgage statements. She has never been on the loan from the start. I want her name to be removed from the loan. She was never on the loan. Remvoe her name from the mortgage statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing my FedLoans as LATE payments on my report when they are not. I would like that taken off. My loans are not late which is prohibiting me from getting an apartment that I desperately need. According to Congress back on XX/XX/XXXX ; XXXX XXXX, XXXX [ XXXX ] ( Introduced XX/XX/XXXX ) H.R.394 117th Congress ( XXXX ) This bill extends certain temporary relief related to federal student loans and expands eligibility for such relief to additional types of loans. 

Specifically, the bill extends the current suspension of payments due on federal student loans to 30 days after the end of tXXXX XXXX  ( i.e., coronavirus XXXX XXXX ) public health emergency. It also extends the suspension of interest due on these loans until the economy shows specified initial signs of recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

hello i have an american express card that had about XXXX $ credit line and i have it for 2 years. i have been paying my statement bills 100 % on time and not a single late payment. all of a sudden a month ago they suspended my account!! when i called them they said that i have used my card in a way that it shouldnt be. they said that i cant use my credit card in my XXXX  to send money!!! and they are going to cancel my account if i dont send them the bank statement that i used to pay credit card bills. i said i used to pay my bills with my own bank account for some time and i can send them the statement. but my son put my credit card acc on autopay recently and the recent payments are from his  checking and i can also provide his bank statement. but they said that it should be my account and also it should be recent!!! like they wanted something impossible so that they can close my account. they said that i used XXXX  in a way that i shouldnt have!!! i said why do u let people add their credit card in XXXX in the first place!!! they said that they wan na have this service to people!!! 
after a week or so i got a mail that didnt say ANYTHIING about cancelation but it said that after review, my account credit is limited to XXXX , the balance that i had on my credit card. 
after one more week i suddenly saw that they closed my account. when i called them she ( mrs XXXX ) said that she doesnt know anything about that mail!!!!! and she canceled my account herself!!!!! 
this account was a 2 year old account and all of my payments were on time. they had no reason to limit and cancel my account. even if they had a reason to limit the account they sent me a mail that said nothing about cancelation and then sheepley closed my acc out of the blue!!! is this something personal so that somebody whenrever she wants and whatever cancels my account! 
the chat support also said they refer my acc to collection!!! my last payment was less than a month ago and i paid due amount in full.i think they want to ruin my credit as well!!!! 
pls help me so that they cant ruin my credit score. they already closed one of my old accounts and ruined my credit.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> Transunion deleted XXXX XXXX XXXX XXXX an account from my consumer report. See Complaint ID XXXX Since that time this account has been reinserted back on my consumer. The FCRA requires Transunion to notify my person in writing within XXXX business days the previously disputed item has been reinserted. Transunion can not produce any correspondence because the requirement was not met. This a violation of the consumer law. In fact upon inquiry by phone calls the agent for the company hung up when questioned about this notice. This is wrong and bad company policy considering they obtain email and phone number if the call is disconnected. I understand why I never got a call back. As a result this must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Hard Inquiries List Below : XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT NOT ONCE, NOT TWICE, BUT THREE INSTANCES THAT I KNOW OF. ONE OF WHICH WAS OR IS BEING DONE BY A RELATIVE. SINCE I AM SELF EMPLOYED, AND CONSTANTLY WORK AWAY FROM HOME, UNBEKNOWST TO ME, THESE SAID THIEVES HAVE HAD LIMITED ACCESS TO MY MAILBOX. I HAVE FILED THREE POLICE REPORTS, IN AS MANY STATES, OUTLINING THE EXTENT OF THE THEFT OF MY IDENTITY. I PROVIDED DOCUMENTATION VERIFYING THAT THE SAID THIEVES HAVE AN OLD COPY OF A SOUTH CAROLINA '' S DRIVERS LICENSE THAT IS NO LONGER VALID BUT HAS NOT EXPIRED. I HAVE CONTACTED XXXX, XXXX, EXPERIAN CONCERNING INQUIRIES THAT ARE NOT MINE. I ASKED THAT THEY REMOVE THEM. THEY TOLD ME TO CONTACT THE CREDITOR. WHEN I CONTACTED THE CREDITOR, I WAS TOLD THAT THEY CAN NOT REMOVE ANY INQUIRIES. SO AT THIS POINT THE BUREAUS ARE GIVING ME THE RUNAROUND. I ALSO ASKED THEM TO REMOVE OUTDATED ADDRESSES THAT WERE BEIBG USED FOR FRAUD. TO THIS DATE THEY HAVE NOT. 

THESE ARE THE INQUIRIES IN QUESTION : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ADDRESSES THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX THE XXXX LOANS ON MY CREDIT REPORTS HAVE BEEN CONSOLIDATED BUT HAVE YETTO REFLECT THAT DESPITE BEINH DONE SO MORE THAN 30 DAYS AGO. WHY ARE THEY CLASSIFIED AS INSTALLMENT LOANS? THIS CLASSIFICATION MAKES IT IMPOSSIBLE FOR ME TO QUALIFY FOR A MORTGAGE BECAUSE OF HOW THEY ARE BEING REPORTED. LENDERS SEE IT AS IF I HAVE A XXXX LOAN AND HAVE NOT MADE ANY PAYMENTS ON THAT LOAN.
Product: Checking or savings account

Had Wells Fargo for many many years which charged fees had many other issues!
Product: Debt collection

Koalafi tried to charge my XXXXXXXX XXXX for XXXX XXXX I contacted bank and notified about this fraudulent activity. They investigated and sent me letter on XX/XX/year> that they investigated and stoped the payment. I reached out to Koalafi via call several times to pass me details of the lease so I can raise the police complaint, They never provided me the details. On XX/XX/XXXX, I sent them email for the copy as I don't have any details about the transaction. They never responded back and they communicated to me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Credit Acceptance Corporation # XXXX, has violated my right. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B under the billing error category : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

( 4 ) the creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore. 
I humbly request that the subsequent entries be promptly undated on my consumer report to reflect their current status as follow : " Paid as Agreed ''
Product: Credit card or prepaid card

I tried to revoke the authority of a merchant to charge my credit card. After weeks of trying the merchant will not return my calls. As such I called my credit card ( Wells Fargo ) to tell them to revoke the authorization of the merchant to charge my card. Wells Fargo refused to comply and stated that the merchant can charge what they want even without my authorization.
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 XXXX # XXXX, XXXX & XXXX : # XXXX, XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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, credit repair services, or other personal consumer reports

On XX/XX/ 2021 I mailed a response letter to an investigation email I received from Experian. Im filing this complaint due to Experians failure to respond to my re-investigation request, as required by law, regarding the following account. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate, misleading and false reporting and Im seeking litigation please delete at once. Under the Fair Credit Reporting Act 15 USC 1681 I ( 6 ) I should have received a response letter no later than 5 business days after Experians investigation was completed. It has been over 30 days since my letter was mailed and they had 15 days to complete their re-investigation. By law, I should've received their response letter no later than XXXX XXXX, 2021. Now Im forced to spend money I really dont have to pay for certified mailing just to ensure I receive a response from them. 

My rights under Fair Credit Reporting Act 15 USC 1681 b ( a ) ( 2 ) Permissible purpose of Consumer Reports law are being violated. I did not give Experian permission to report this account. In my dispute I requested the account accurately state that my payments were paid satisfactorily with no derogatory remarks or be deleted. Neither was done. 

At this point, I am demanding Experian to cease & desist from reporting this account. I demand it to be immediately removed from my report. If they refuse to remove the account or update to accurately state the account was paid satisfactorily with no derogatory remarks, I demand Experian provide me with written documentation swearing under penalty and perjury laws they were there when the debt was established. I demand they also swear under oath that I signed for the account and I signed documentation agreeing to add Experian to the account to be able to report on it. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If this matter is not resolved through this complaint, I will pursue the enforcements of my constitutional rights via federal court proceedings. The information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. If necessary, I will represent myself pro-se and formally request a jury trial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not remove items even after submitting police report as well as Identity theft report
Product: Credit reporting or other personal consumer reports

I am filing a compliant against Equifax go failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The following accounts are below. 

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

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate information reported by Discover XXXX XXXX on my credit account. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681 ( e ) ( b ), which requires data furnishers to ensure maximum accuracy of the information provided to credit reporting agencies. 

**Details of the Issue : ** Discover XXXX XXXX has reported my account inconsistently and inaccurately over multiple years. Below is a detailed record of the payment history as reported : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The payment history contains multiple inconsistencies and inaccuracies. For example : - " Charge off '' ( CO ) status is reported repetitively without clear rationale or supporting documentation.

- " No Data '' ( ND ) entries appear inconsistently across months and years, raising questions about data reliability.

- " Closed '' ( CLS ) and " charge off '' entries are reported simultaneously in XXXX, which is contradictory. 

Such inaccuracies suggest that the reporting by Discover XXXX XXXX is not in compliance with FCRA Section 1681 ( e ) ( b ).
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to properly investigate consumer disputes. This issue has had a significant adverse impact on my credit file, resulting in substantial financial losses due to higher interest rates. 

In XX/XX/2024, I identified inaccuracies in my credit report. I promptly disputed these errors with Experian, providing all necessary documentation to support my claims. Despite my efforts, the disputed information remained unchanged on my credit report. 

The CFPBs lawsuit highlights that Experian has been conducting sham investigations into consumer disputes, failing to take sufficient steps to process and investigate these disputes properly. This negligence has led to the inclusion of incorrect information on credit reports, adversely affecting consumers financial standing. 

As a result of these unresolved inaccuracies, my credit score was significantly lowered, leading to higher interest rates on loans and credit products. Over the past several months, I estimate that I have incurred exponential additional costs due to these elevated interest rates.

I urge Experian to take immediate corrective action by thoroughly investigating my dispute and rectifying the inaccuracies in my credit report. Additionally, I request compensation for the financial losses I have suffered as a direct result of these reporting errors. 

Accurate credit reporting is essential for consumers to access fair financial opportunities. The failure to conduct proper dispute investigations undermines this principle and causes undue financial hardship. 

I look forward to your prompt response and resolution of this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> SUBJECT : Request for Debt Validation I writing regarding a debt you clime I owe. under the FDCPA, I have the right to request verification of this debt. 

please provide me the following 1. The name and address of the original creditor.

2. a complete account history, including proof of the original debt and any payment made 3. documentation that you have the authority to collect on this debt.

4.A copy of the purchase Agreement showing me that you own the debt and you have the right to collect on the debt you presume that i owe. 

until you provide this information, I request that you cease all collection activity, including phone calls and written communication, until you have provide proper validation. 

I look forward to your prompt response sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : 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 XX/XX/XXXX ( XXXX XXXX Date XXXX PLEASE DELETE LATE PAYMENTS FROM THE ABOVE ACCOUNT ) ( XXXX  Date Opened : XX/XX/XXXX PLEASE DELETE LATE PAYMENTS FROM THE ABOVE ACCOUNT )
Product: Debt collection

I have sent XXXX, XXXX XXXX Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX