23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I've consistently ensured that payments on this account are made on time, never letting them become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Debt collection

I HAVE ALREADY SENT A NOTICE TO THESE PEOPLE TO STOP REPORTING THE ACCOUNT ON MY REPORT AND TO STOP HARASSING ME ABOUT SOMETHING THAT ISNT EVEN MINE NOW I HAVE SENT YET ANOTHER AND NOTHING HAS STOPPED.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Receivables Management Systems in   XXXX  . I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.     Additionally, I am allowed under the Health Insurance Portability and Accountability A  ct ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and me  dical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Please note that withholding the information you received from any medical provider in an attempt to b  e HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to a  llowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card did a hard credit check, without consent. I have there card, if there going to check. My current score it should be a short credit check. 
thank you
Product: Credit card or prepaid card

On XX/XX/2019 I purchased an XXXX XXXX 2 business class ticket for {$5200.00} charging my Chase XXXX XXXX  credit card. Within few minutes I got an email asking me to confirm that this is not a fraud and I indeed made the purchase. I confirmed the purchase to Chase. On XX/XX/2019 I went to XXXX web to make seat selection. I was surprised to find that the reservation was no longer valid. I purchased new tickets using the same card but the same 2 business class tickets were more expensive and cost {$7300.00}. This time the purchase was completed and I did not get any email to confirm that this was not a fraud. Today I called Chase XXXX  and complained. I was transferred among several customer service and ended up with fraud protection who confirmed that they got my initial approval but declined payment with no explanation. ( Credit line was available and only 10 % of available line was charged with {$0.00} balance for previous month due ). As a result of the Chase XXXX XXXX mistake, I am paying additional {$2000.00}. I asked for refund and was put on hold ( with music ) with no one picking up the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

For company to do what fair equitable to me by consumer by deleting the items identified as identified theft from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX 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 an account without my written instructions. 
I do not owe this debt collector.
Product: Credit reporting or other personal consumer reports

Experian is playing games with my credit and I am XXXX from XXXX XXXX I had student loans that were XXXX by the XXXX XXXX XXXX  last year in XX/XX/XXXX and I provided the information to Experian and they removed it. Now in XX/XX/XXXX XXXX of the account totaling over XXXX is back on my credit report. I called them and they lied and said that they got the information from XXXX. All lies I contacted XXXX and they said that it is incorrect and I will upload to you I have a XXXX balance. I called Experian again and they told me some mess that they had to dispute it and I said dispute what I gave you the documents last year I don't owe any student loans. I don't need stress and I need your company to find out why they went in and put XXXX of the account back on my credit. They were very rude XXXX representation hung up on me.Please help
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. 
XXXX, XXXX. XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company never responded in the matter of CFPB XXXX and CFPB XXXX. Neither the creditor or the company reached out to resolve my complaint. According to the Fair Credit Reporting Act, I must receive some type of dispute resolution and I have yet to receive anything and it has been months. The bureaus have asked for additional time and that time has come and gone. My initial dispute was in XX/XX/2022 and its not XXXX XX/XX/2022. I am demining that these items be removed from my credit due to the amount of time that has passed and no results have been provided. I will once again attach the original documents. A wet signature or any other documents used to furnish these items on my credit file have yet to be produced to me. Until further review of theses accounts they need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts and inquires are listed. Please see the below accounts and inquires in question : XXXX XXXX XXXX XXXX XXXX, 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

I was denied credit. I requested a copy of my credit report and discovered I am the victim of identity theft. I tried contacting the the credit bureaus but could never get through to speak with an agent. XXXX XXXXXXXX this is not mine, XXXX XXXX XXXXXXXX XXXX XXXX this is not mine, ( 1 of 3 ) XXXX XXXX XXXX XXXX this is not mine, ( 2 of 3 ) XXXX XXXX XXXX XXXX this is not mine, XXXX 3 of 3 ) XXXX XXXX XXXX XXXX this is not mine, KXXXX XXXX  XXXX XXXX XXXX this is not mine, THESE ACCOUNTS ARE FRAUDULENT AND ARE NOT MINE. Also these inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My person information is as followed Name : XXXX XXXX, Year of birth:XXXX, My address is : XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX none of the other personal information applies to me and should be updated. Please Help Me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit B. is reporting unverified, derogatory information into my credit profile. Has failed to notify me or re adding an account after once deleted back into my credit report. Has dishonored my verbal telephone request for method of verification on XX/XX/21
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this final enforcement request regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refusal to correct FCRA violations despite my previous CFPB complaint. This ongoing non-compliance requires immediate regulatory enforcement. 

Prior CFPB Complaint Was Ignored I previously filed a formal CFPB complaint regarding inaccurate reporting of charge-offs and collection accounts. 
Despite the CFPBs involvement, all three furnishers failed to correct the violations. 
This constitutes willful non-compliance under FCRA 15 U.S.C. 1681n, making them legally required to delete the inaccurate accounts. 
Accounts in Violation 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 Current Status : Charge-Off Balance Reported : {$870.00} ( Should be {$0.00} ) Balance Last Updated : XX/XX/year> Why These Accounts Must Be Deleted Immediately FCRA 15 U.S.C. 1681s-2 ( Furnisher Responsibilities ) : A charge-off sold to a collection agency must show a {$0.00} balance with the original creditor. XXXX XXXX XXXX XXXX XXXX are violating this requirement by misreporting the balance. 
FCRA 15 U.S.C. 1681i ( Failure to Investigate ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to conduct a proper reinvestigation despite my dispute and the CFPBs previous complaint process.

Double Reporting & Misleading Credit Damage : Both the charge-off & collection agencys account are reporting the same debt, which inflates my debt-to-credit ratio and artificially lowers my credit score. 
FCRA 15 U.S.C. 1681n ( Right to Sue for Damages ) : Since these furnishers knowingly continue to report false information, I now have the right to pursue legal action against them for actual & statutory damages ( {$1000.00} per violation ).

FDCPA 15 U.S.C. 1692g ( Debt Validation Requirement Collection Accounts ) : XXXX XXXX XXXX has not provided sufficient validation proving they own the debt. 
If a collection agency can not validate a debt, they must delete it. 
FINAL DEMAND CFPB ENFORCEMENT REQUIRED The CFPB must immediately require XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to : XXXX Immediately delete all three charge-off and collection accounts from all credit reports ( Experian, Equifax, and TransUnion ) .

2 Provide written confirmation that these accounts have been permanently removed. 
XXXX Cease all further reporting of these accounts to any credit bureau.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, XXXX, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Debt collection

I am seeking your assistance with getting a response from Diversified Consultants regarding an account they are reporting on my credit file that is not mine. I have wrote Diversified Consultants on X/XX/17 requesting validation of an account that Diversified has  confirmed with XXXX on X/XX/17. As of this date, Diversified has not responded to my request to validate this account. I am certain this is reporting on my credit report in error because I did n't have an account with the company this agency represents which is why I requested XXXX complete a full investigation and further for Diversified to send me information regarding this debt.
Product: Mortgage

i need to know all late fees were waived in 2017 tired of getting photocopies of answers previously submitted does nothing. I have unresolved issues left several messages for XXXX XXXX to get contact info name and number for her supervisor have received nothing. please address quickly and without red tape.
Product: Debt collection

Listed Below you will find items reported on my XXXX Credit report that 1. Do not belong to me, 2. I have no knowledge of this account, 3. Written instructions were not give in in accordance to 15 U.S. Code 1681b ( 2 ). 

- XXXX XXXX XXXX {$700.00} - XXXX XXXX XXXX {$960.00} - XXXX XXXX XXXX {$1000.00} - XXXX XXXX {$1100.00} - Bankruptcy XXXX  XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did annual credit report in XXXX with 3 credit Bureau : XXXX, XXXX and XXXX. All reported with NO fraudulent accounts, except the " previous address '' included incorrect address, but I thought it was in " previous address '', it wont affect me, as long as my " current address '' is correct. On XX/XX/XXXX, I did annual credit report again to purchase a mortgage. XXXX XXXX  and XXXX reported NO fraudulent accounts. Only XXXX reported a fraudulent address in my current address. I submitted a dispute to have it updated. After several disputes for the same issue, it still did not get fixed, XXXX kept updating wrong address, so I had to fax all required documents along with another dispute. On XX/XX/XXXX when XXXX finally updated my current address correctly, there is a fraudulent account appear in my report, it indicated this was opened on XXXX, XXXX which I had previously mentioned that in XXXX and XX/XX/XXXX XXXX  and other credit Bureau did not report this. Now all of the sudden I owed Bank of America since XXXX for a balance of {$1100.00} as of today, monthly payment is made on the first of each month since XXXX. I was so shocked how this can happen. 

I called Bank of America 2 times to confirm and ask for dispute, BOA confirmed with me that account number was not mine, name looks similar but clearly this is not my account, I have {$0.00} balance with BOA, I was advised to file a dispute with the credit Bureau who reported this account. I file a dispute with XXXX on XX/XX/XXXX, after 14 days had not received the result I called XXXX to follow up on my dispute, I was told that BOA is the only one can verify my information. I called BOA and again was told that if I file a dispute with XXXX, the submit had sent to a different department who handle this, there is nothing I could do but waiting, and again they confirmed with me that this account is not mine, and XXXX  should be able to have my report corrected. On XX/XX/XXXX, XXXX sent me a result of dispute, but surprisingly It said BOA confirmed the fraudulent account is mine. 
This had cause a serious delay on my plan of purchasing a house. I have waisted 2 months to fix the address, and then now still waiting for another dispute. 

I got a notification indicated that The fraudulent account is updated to : XXXX and XXXX. Now the fraudulent account is reported in all 3 credit Bureau, not just only XXXX 
I called BOA immediately, again BOA confirmed with me the fraudulent account is not mine, they did not know how this happened, I dont owe BOA anything and have {$0.00} balance. The dispute was file with BOA same day on XX/XX/XXXX. Dispute is pending for review as of today. 

This issue has caused significant impact on my mental health, seriously delay on purchasing mortgage and financial lost as i have missed multiple chances for good interest rate.
Product: Credit card

On XXXX/XXXX/16 and XXXX/XXXX/16 I received phone calls from Barclays XXXX XXXX Master Card reporting charges to my account which I declared as fraudulent. On both cases new cards were issued and an investigation supposedly took place. On XXXX XXXX I received two letters declaring those purchases as valid. When I called to inquire why, I was told that " the cards had a chip which rendered them incapable of being copied ''. Never mind the magnetic strip on the card. I requested disputed forms which I filled out and return along with explanatory letters of what I had been enduring from other credit cards and my belief that I had been scanned because I only used the card once for a minor purchase with the State of Florida. Now they have obviously ignored all the explanations and are harassing my phones with calls from different numbers. Probably my credit will be impacted as well, even though I had nothing to do with those purchases. Even when I ask to see the signatures and videos on the purchases, the clerk I spoke to said that " it did not matter. ''
Product: Credit card or prepaid card

When I originally signed up for a Unsecured Capital One Credit Card I enrolled in Credit Protection and Creditwise. I got injured at work on XX/XX/2022. I called Capital One to try to use the Credit Protection. I was offered a payment plan instead of the credit protection. I declined. My credit score dropped over 100 points because of the nonpayment and I accrued a late charge. 

XX/XX/2022 I received a text from Capital One about my debt. I called and again asked for Credit Protection. The operator wanted to enroll me in a hardship program where I am not responsible for the payment for 3 months, but the nonpayment would still continue to reduce my credit score. I declined and asked " If I pay off the debt and close out the account will I receive my deposit back? ". 

The operator had me on hold for 20 minutes before saying yes.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX  of Debt XXXX  and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX BALANCED {$10000.00XXXX XXXX XXXX XXXX BALANCED {$21000.00}
Product: Checking or savings account

Chase Bank for my checking account ( closed ) # XXXX received on XX/XX/2022 {$27.00} and {$120.00} electronic refund deposit from a vendor XXXX XXXX XXXX XXXX  in XXXX, AZ ). 

My old address was : XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX XXXX 2 years ago ). 
My current address is : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX, AZ XXXX CHASE NEVER REFUNDED MY MONEY {$27.00} plus {$120.00} on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER 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, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$5300.00}
Product: Checking or savings account

On XX/XX/2023 at approximately XXXXXXXX XXXX. I received a telephone call from a TRUIST Bank Representative asking me if I authorized {$9800.00} to be withdrawn from our Small Business Account. I told the Representative NO and that my Husband and I would be at the bank within 15 minutes. 
When we arrived at the bank, the Banker Representative met with us and informed us that the bank let the money go out of our account at approximately XXXXXXXX XXXX. on XX/XX/2023. 
I filed a " complaint '' with the Banker and was informed that the money was put into a XXXX  XXXX XXXX Bank Account and that if any other information was needed that there would need to be a subpena. 
I have attempted to file a report with the local police authorities whom have told me they do not get involved. I filed the on-line FBI Form and they emailed stating that we are insignificant due to the dollar amount. TRUIST needs to refund the money 100 % + damages. I'm hoping you can help.
Product: Credit reporting or other personal consumer reports

XXXX of 2024 my XXXX XXXX XXXX an charge my account without my permission I notified my to investigate the with vintage they never did or claim they did and went in flavor of the merchant and it was the same with XXXX XXXXXXXX XXXX no proof that were correct.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>