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

Ive attempted to resolve these issues by contacting Experian through disputes on XX/XX/XXXX regarding world finance for the amount of {$350.00} but Ive never received a debt validation letter also the amount changes every time I speak with someone over the phone on XX/XX/XXXX. XXXX XXXX XXXX XXXX has also never given me a notice of this balance of {$600.00} and now its gone up to {$760.00}. I have attempted to contact Experian though disputes, letters and phone calls to have them look into closed world financing and XXXX XXXX XXXX XXXX that are reporting as late but its always coming back a valid ( XX/XX/XXXX ) which I dont understand if they are closed accounts. I truly believe something is not adding up with my credit reporting regarding all 3 accounts
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2024, I received a notification of a data breach indicating that my personal information, including my Social Security number, credit card information, drivers license, and other sensitive data, was compromised. As a result, I have been a victim of identity theft, leading to the creation of multiple fraudulent accounts and unauthorized inquiries on my credit reports. 

Despite filing disputes with credit bureaus and creditors, these inaccuracies remain unresolved, causing significant harm to my credit profile and financial well-being. The scope of this fraud is too extensive to name every single account and inquiry, and I request a comprehensive removal of all accounts and inquiries associated with fraudulent activity. 

Accounts to Be Removed : 1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX XXXXXXXX XXXX 4. XXXX XXXXXXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. Missouri of XXXX XXXX 8 . XXXX XXXX XXXX XXXX XXXX XXXX 
9. XXXX. XXXX and XXXX Unauthorized Inquiries to Be Removed : All
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reported accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My car is paid I financed through Santander Consumer USA but it's still showing on my credit report.
Product: Debt collection

On XX/XX/XXXX I got a letter stating that DCI collection service was going to garnish me wages for a debt owed by my ex husband that's also a debt he got XXXX in his bankruptcy. And on another note this debt was from 2014 that is also a Statue of limitation.I do not owe this debt and I don't feel like it's my responsibility to pay it if it's already been taken care of and we are divorced
Product: Debt collection

I believe this was discharged in my bankruptcy and shouldnt be with a collection agency. I already had XXXX remove this from my credit report. Chapter XXXX case number XXXX
Product: Credit card or prepaid card

American Express Gold card 's {$120.00} dining credit benefit is misleading. 

I opened a Gold card in XX/XX/2021. One of the key advertised perks was a {$10.00} per month dining credit at certain merchants. I made purchases at qualifying merchants in XXXX and XXXX, but didn't receive any credits. 

Upon contacting customer service, I was told the monthly dining credits required manual enrollment. I feel misled by the marketing as I believe such a key benefit is assumed to be enabled by default, and I wasn't warned about the missing enrollment after making otherwise qualifying purchases.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 my 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 to be updated. 


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. 


EQUIFAX 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!

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

I was victim of identity theft, somebody stole my personal information to get medical care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need Equifax to remove the delinquency status of a creditor XXXX from my report based on the attached letter from the creditor of which they have a copy.
Product: Credit card

On XX/XX/year>, my autopay was completed successfully to make the {$740.00} payment to Citi. However at the same time Citi charged me {$30.00} Return Check Fee. It doesn't make sense to me for Citi to both complete the payment and also charge a {$30.00} return check fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of doing business with any of these creditors below. Please remove it from my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, i was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settle with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

Inaccurate credit inquiries is reporting on my credit report Please DELETE IMMEDIATELY FROM ALL 3 credit bureaus XXXX, XXXX AND EXPERIAN XXXX. XXXX / XXXX credit XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I check my credit score about 3 times a year. 
After checking my score this tax season, I noticed that my intuit " mint '' account shows a new account open under my name that I did not open. Below is how it shows under my open account details. 

**I have never heard of this company or made any payments to them. This is not an account that I opened nor have I opened any new accounts. I am afraid this is fraud. 


Company : " AFFILIATED '' Account type : Installment Sales Contract Opened : XXXX XXXX, 2017 Status : Open Limit : {$0.00} Term Monthly ( due every month ) Monthly payment {$27.00} Responsibility : Individual Account Balance : {$160.00} Highest balance : {$320.00} Payment status : Pays account as agreed Worst payment status - Date of last payment - Amount past due $ XXXX Times 30/60/90 dates late 0/0/0 Remarks - PAYMENT HISTORY **Currently shows that I have made payments for XXXX, XXXX, XXXX XXXX, XXXX XXXX am 100 % certain that I did not open this account and have no connection to it. 
Looking at my credit history/ payments, I have never made a late payment and am very aware of all outstanding debts. 
I currently do not have any credit cards.
Product: Credit reporting or other personal consumer reports

IN XXXX I WAS CONTACTED BY A EQUIFAX CREDIT BUREAU REGARDING A DATA BREACH AND WAS TOLD THAT MY PERSONAL INFORMATION INCLUDING NAME BIRTHDATE AND SOICAL SECURITY WAS COMPRIMISED. A FEW YEARS LATER I WAS RECIEVING EMAILS ON HOW TO PROCEED WITH A SETTLEMENT FROM EQUIFAX REGARDING THE DATA BREACH. AT THE INITIAL TIME THAT I WAS INFORMED OF THE DATA BREACH I CHECKED MY CREDIT REPORTS AND FOUND NO SUSPICIOUS ACTIVITY SO I ASSUMED EVERYTHING WAS FINE. BUT AS OF RECENTLY ( XX/XX/XXXX ) I HAVE COME TO FIND THAT MY INFORMATION HAS BEEN USED TO OBTAINED SEVERAL CREDIT CARDS IN MY NAME BUT WAS NOT MAILED TO MY RESIDENTIAL ADDRESS BUT WAS INSTEAD MAILED TO A DIFFRENT LOCATION. THE CULPRITS THEN MADE PAYMENTS ON THESE CARDS FOR A PERIOD OF TIME TO GAIN MORE CREDIT CARD FROM THESE CREDIT COMPANIES AND THEN MAXED THE CARDS OUT AND EVENTUAL STOPPED PAYING, I HAVE REACHED OUT TO THESE COMPANIES WIH LITTLE TO ANY RESULT BUT A FAMILY MEMBER INFORMED ME I SHOULD GO FILE A POLICE REPORT REGARDING EACH FRAUDULENT ACCOUNT ( WHICH I HAVE NOW DONE ) AND FILE A COMPLAINT AGAISNT THESE COMPANIES -XXXX XXXX ACTT # XXXX -BALANCE {$1700.00}, XXXX XXXX ACCT # XXXX BALANCE {$1100.00} IS A FRAUDULENT ACCOUNT,, THESE ACCOUNTS ARE AFFECTING MY ABILITY PURCHASE A HOME AND I NEED HELP.
Product: Credit card

American Express have me listed as dead an will not take it off unless I pay the tol. bill in full they call me an said that as long as the bill is not paid they will not remove it I have talk to the XXXX credit reporting co. an they told me to contact you I`m not able to keep my job if this is not fix an can even buy a car an being told by my credit card co. that this is on my file an if I`m not the person that I`m breaking the law by using some one eles identity I am not dead American express is doing this because I cant pay what they want. 
Thank You
Product: Credit reporting or other personal consumer reports

According to USC 15 1681b you must accurately report on my credit report at all times. 

This fraudulent account was allegedly charged off on the following date. Since then, this fraudulent account has repeatedly been updated as charge off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This is not only fraudulent but also inaccurate information that falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX : XXXX XXXX : Account number : XXXX XXXX : XXXX XXXX : Account number : XXXX TRANSUNION : XXXX XXXX : Account number : XXXX
Product: Credit reporting or other personal consumer reports

I have never applied nor perform services or business with XXXX XXXX XXXX yet there is an inquiry all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquiries dated XX/XX/2023
Product: Debt collection

Debt Collector ( ACA ) contacted me. I indicated that I was the person they intended to call. Debt Collector indicated that ( 1 ) they had just received this debt and ( 2 ) attempted to request information from me about my contact info. I indicated that ( 1 ) prior to requesting any information from me, I expected to receive a mini-miranda about the usage of any information that I may provide in accordance with 15 USC 1692e ( 11 ) and ( 2 ) that I would like a validation of debt. 

Caller proceeded to put me on hold for almost 15 minutes before connecting me to a manager. Both the caller and the manager refused to provide me a mini-miranda required by the FDCPA ( and continued to refuse to do so for the entire length of the 20 minute call ) unless I provided them information about myself. 

Further, I indicated I would like a validation of debt. I was told this was mailed a year ago, despite that the debt collector indicated that " they had just received this debt. '' I indicated I had received no such validation and that I would like a validation of debt per 15 USC 1692g (  a ). 

The manager stated that the call was going nowhere and hung up on me. After 19 minutes on the phone ( 15 of which were on hold ), which is frankly just rude. 

I would appreciate if the debt collector would comply with the FDCPA. A simple mini-miranda and an agreement to send me a validation of debt would have been sufficient to proceed with the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Subject : Request for Investigation and Correction of Discrepancies on My Consumer Reports Dear Sir/Madam , Upon meticulous examination of my consumer reports, I discovered reported " late payments '' on certain accounts which, to the best of my knowledge and recollection, have always been paid punctually. This information is, therefore, inaccurate, and I am writing to request an urgent rectification. 

Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are entrusted with the significant responsibility of maintaining the utmost accuracy in reporting consumer information. To that effect, any discrepancy in my credit report is not only misleading but also breaches the mandates of the FCRA. 

The accounts for which I have been erroneously marked as late are as follows : Kikoff Lending LLC : XXXX Paid as Agreed I have requested that the Consumer Financial Protection Bureau ( CFPB ) carry out an in-depth investigation of these issues. I would appreciate it if you could provide me with detailed statements that validate these supposed late payments. 

Should you not be able to furnish substantial proof of these late payments, I hereby request in compliance with FCRA and Truth in Lending Act ( TILA ) guidelines, that these late payments be amended to reflect their true status - " on time ''. This is imperative as I have never, to my knowledge, been late on these accounts. 

Thank you for your prompt attention to this matter. I look forward to the resolution and the subsequent correction of my consumer reports. 

Yours sincerely, XXXX XXXX XXXX
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX Allied Collection Se XXXX Allied Collection Se XXXX Allied Collection Se XXXX Allied Collection Se XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for  collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Allied Collection Se XXXX XXXX Collection XXXX XXXX Allied Collection Se XXXX Allied Collection Se XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of concern regarding the reporting of late payments on my credit report. After a thorough review of my financial records, it has come to my attention that there are inaccuracies in the information you have reported. 

I kindly request that you promptly investigate and remove these late payments from my credit report. I believe that correcting this discrepancy is crucial to maintaining the accuracy of my credit history. I have made multiple attempts to resolve this matter with your organization, but regrettably, no satisfactory resolution has been provided. 

Furthermore, I would like to bring to your attention the arbitration provision outlined in the loan agreement. As a consumer, I am fully aware of my rights under this provision. In the event that the reported late payments are not rectified within a reasonable timeframe, I am prepared to exercise my right to initiate arbitration proceedings. 

Please be advised that pursuing arbitration would not only incur significant costs for XXXX , including attorney fees, an initiation fee, a case management fee, and an arbitration fee, but may also result in additional fees throughout the arbitration process. It is my sincere hope that we can resolve this matter amicably and avoid the unnecessary expenditure of resources. 

I believe that cooperation in this matter is in the best interest of both parties. I kindly request that you acknowledge receipt of this letter and provide a timeline for the resolution of the aforementioned issue. Your prompt attention to this matter is greatly appreciated. 

The arbitration necessitates that both parties share the associated costs. While I understand that this will result in financial burden for both of us, it is essential to recognize that the fees involved in arbitration can be significant. I anticipate that XXXX XXXX XXXX will incur thousands of dollars in attorneys fees, an initiation fee is {$360.00} or more a case management fee of {$1400.00} an an arbitration deposit fee of {$1500.00} among other costs. Given the substantial financial implications, it is in the best interest of Experian to take immediate actions to resolve this matter I remain open to an amicable resolution and kindly request that you promptly investigate and rectify the late payment issue on my personal loan account. I trust that a fair resolution can be reached to the satisfaction of both parties. 

Please consider this letter as my final attempt to address this matter outside of arbitration. If I do not receive satisfactory response within [ reasonable time frame, e.g., 15 business days ] Thank you for your understanding and cooperation. 

Sincerely, [ XXXX XXXX XXXX ]