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

I hope this message finds you well. I am writing to formally complain about the handling of my disputes by the three major credit reporting agencies : XXXX, XXXX, and Equifax. I believe that these agencies have not conducted thorough and proper investigations into the disputes I have submitted, which is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

To provide some context, I have submitted multiple disputes regarding inaccuracies on my credit report across all three agencies. Despite following the necessary procedures and providing supporting documentation, I have received responses that lack detail and fail to address the specific inaccuracies I raised. This has caused significant confusion and distress, as well as potential harm to my credit score and financial well-being. 

Here are the key points regarding my situation : Responses Received : The responses I received from XXXX, XXXX, and Equifax were inadequate, lacking the necessary investigation and not providing clarification or justification for the inaccuracies. 

Impact : The unresolved inaccuracies have adversely affected my credit score and my ability to obtain credit. This situation has caused me financial strain and emotional distress. 

I respectfully request that the CFPB investigate the practices of these credit reporting agencies concerning my disputes and ensure they adhere to the legal requirements for investigating consumer disputes. I believe it is vital for consumers like myself to receive fair and accurate credit reporting. 

Thank you for your attention to this matter. I look forward to your response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the multiple attempts I have made to remove fraudulent items from my account. Despite my repeated efforts, it appears that the issue persists, and I have not seen any resolution. 

I have encountered unauthorized transactions and fraudulent activities on my account multiple times, and I have diligently followed your provided procedures for reporting such incidents. However, the lack of effective action on your part has left me dissatisfied and concerned about the security of my account. 

Despite my cooperation and adherence to your reporting protocols, the fraudulent items have not been adequately addressed, and my account security remains compromised. This situation is not only inconvenient but also raises serious concerns about the integrity of your security measures. 

I request an immediate and thorough investigation into these matters to identify the root cause of the repeated security breaches. Additionally, I expect prompt action to remove all fraudulent items from my account and to reinforce security measures to prevent such occurrences in the future. 

If necessary, I am prepared to provide any additional information or documentation to support your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves, and I look forward to a swift resolution. 

Failure to address this issue promptly may compel  me to escalate my concerns to relevant consumer protection authorities and consider legal action to safeguard my rights as a customer. I am asking for your assistance to remove these fraud items in my credit file : 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 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
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { EQUIFAX }. I believe these late payments are erroneous and do not accurately reflect my payment history. 

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 XXXXXXXX Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized inquiries they shouldn't be reporting to my credit profile. This have been a rough time during the coronavirus plague
Product: Credit card

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Product: Money transfer, virtual currency, or money service

Paypal had a discrepancy between their records and what we were being told by Paypal 's representatives ( including the XXXX office ). The records were in direct conflict with the what were being told on three major points. We asked Paypal to explain this. After six months of avoiding our questions, ( the usual practice was to ask their own question in the response and then answer their own question ), Paypal decided to take action. They suspended our account for asking them to explain a problem we discovered. That was our great sin. 
Paypal feels that they are so big they don't have to explain anything, or they have something serious to hide. Either way, there needs to be an investigation into their practices. 

We am including an example of the question we asked. 
It concerns our account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED 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 XXXXXXXX
Product: Debt collection

Debt collector threatened to file a police complaint wrt emails. Debt Collector is failing to understand I am not in control of my disability and the purposeless activity that arises out of XXXX
Product: Credit reporting or other personal consumer reports

I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.
Product: Debt collection

Today is XX/XX/XXXX and I responding to communication from Financial Recoveries. In your last response you stated that a letter was sent to me on XX/XX/XXXX and XX/XX/XXXX. Please provide me with proof of this letter that was sent that I NEVER received. Please be advised I have requested validation { not verification } of an item reported to you by the original creditor XXXX XXXX, I have received a response that does NOT indicate or prove I approved this credit transaction with my social and ID. Second, please provide me with a HIPPA release form that has my signature stating I have granted Financial Recoveries to have any information about me allegedly being in or at XXXX XXXX. I would also like to see any medical documentation stating I have bill from XXXX XXXX. There is no law under FCRA or United State Constitution that states in order for a fraud account to be investigated, documentations are needed from myself ( which was stated in the last response ). I am well aware that I am the consumer as well as the original creditor in all credit card transactions and I am highly aware of my rights. This is my final demand for deletion of this account or I will move forward with legal action against Financial Recoveries for multiple violations.
Product: Debt collection

I need this collection removed from my account immediately. It's completely inaccurate, and it's already affecting my credit score. Ive reviewed my records, and theres no reason this should be on my account. This needs to be fixed right away. This is an urgent matter for me.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it.
Product: Credit card

OnXX/XX/2024, I called a Capital One representative and asked him have they received my settlement and payment for an old account. The representative checked my account and said, " Oh, this was paid last year. '' I asked him why did your company report any of this to the credit agencies ( XXXX, XXXX, and XXXX ). Your company is still reporting to the credit agencies that I am delinquent, and I am still past due on my account. I asked the representative for a payoff or settlement letter and report my information to the credit agencies. I also advised the representative that the credit agencies advised me that your company ( XXXX XXXX ) is still reporting wrongful information to the credit agency. I requested my information be corrected immediately ; you had all of my payoff and settlement since last year. He advised me that he would do something is 60 days. I advised the representative that it's been more than 60 days since you had my information, and I should have to wait 60 days. I also asked him if he could email me a payoff letter and he advised no he couldn't, and I would have to just wait on that too. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian recently notified me via email that my credit score has been changed. Review of my credit score through Experian revealed tha my credit score fell from XXXX to XXXX due to report by XXXX XXXX  stating that there is a 30 days late payment that was not paid. 
This credit card has not been used for a few years. So it happened that I did not pay a membership fees that were due on XX/XX/XXXX. I immediately paid outstanding amount on line and contacted XXXX customer service. My complain was that the XXXX has failed to notify me of incoming balance payment either through email, phone message or US Mail at any time which caused delay of me submitting the payment at due date. Speaking with a customer service account representative proved the fact of failing to communicate with me. Had I get any notification ( like all of my banking creditors ), this problem could be avoided. Important to state that XXXX XXXX  has no means for establishing alerts ( such as reminders for payment due date and amount of payment and etc. ) by its clients. This is unusual and will be so helpful.
Product: Credit card or prepaid card

American Express very recently charged me a {$450.00} annual fee on a credit card. They then closed the credit card ( which is wrongful as well ). I asked for a refund of the newly charged {$450.00} annual fee, but they have refused. 

The {$450.00} charge was made on XX/XX/XXXX. The card was closed by American Express on XX/XX/XXXX. They should not be permitted to steal {$450.00} from me. 

Thank you.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : 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
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XXXX XXXX  {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX$140.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$130.00} XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$710.00} XXXX XXXX XX/XX/XXXXXXXX  {$4200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$2900.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3800.00} XXXX XXXX  ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX {$710.00} XXXX ( Original Creditor : XXXX XXXX  ) XX/XX/XXXX {$4000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$850.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XX/XX/XXXX {$15000.00} XXXX  XXXX ( Original Creditor : 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Following is a transcript from a chat I had with a representative of Synchrony Bank regarding my online savings account. The Company publishes an attractive interest rate but fails to mention at the time of account opening that it will take 3-4 days to post deposits, which means they earn interest on the depositors money while blaming it on the " ACH process ''. 

Time Details XXXX XXXX XXXX XXXX XXXX " Why is it taking so long for my deposit to be recorded. An amount of {$53000.00} was deducted from my account at XXXX XXXX on Tuesday, XXXX XXXX. Where is my money and who is earning interest on it while I wait for it to post to my Synchrony account??? '' XXXX XXXX Agent ( XXXX XXXX ) : " Thank you for contacting Synchrony Bank XXXX My name is XXXX. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX : " I apologize for the delay. '' XXXX XXXX Agent ( XXXX XXXX ) : " Please allow me sometime while I check that for you. '' XXXX XXXX Agent ( XXXX XXXX ) : " ACH Transfer into or from the bank are 3-4 business days. '' XXXX XXXX XXXX XXXX XXXX " Every other online savings account I own takes no more than 1 day to post transfers. I guess your rate is nothing more than a scam. Bait and switch. You are earning interest on my money ILLEGALLY and will soon lose me as a customer! '' XXXX XXXX Agent ( XXXX XXXX ) : " I apologize that you feel so. However, our rates are quite competent in the market and have only seen an increase in the last one year. '' XXXX XXXX XXXX XXXX XXXX " Rates do n't matter if I lose 3 days of interest!!! '' XXXX XXXX Agent ( XXXX  XXXX XXXX : " The reason an ACH transfer takes 3-4 business days to complete is due to the fact that it has to go through the Automated Clearance House XXXX which is a standard procedure for a lot of other banks. '' XXXX XXXX XXXX XXXX XXXX " That 's nonsense. Not true at any of my other banks! '' XXXX XXXX Agent ( XXXX XXXX ) : " I completely understand that it can seem unfair loosing interest for the 3 days. However, it is our standard procedure. '' XXXX XXXX XXXX XXXX XXXX " Nothing more than bait and switch. I 'll spread the word!!! '' XXXX XXXX XXXX XXXX XXXX XXXX ) : " I will also go ahead and take a complaint regarding this. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The list below includes fraudulent accounts on my report. 
1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX CAPITAL ONE N A Account Number : XXXX This is not mine. 

6. Identity Theft XXXX CAPITAL ONE N A Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  Account Number : XXXX This is not mine.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to a used car dealership, and the salesman told me they was only going to run my credit report XXXX time an when i check my report multiple credit pull.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to know if i could purchase a home. I went and had my credit pulled once in XXXX and i authorized that. Then they used a company called Factual Data to pull my report again one time a month for the next 4 months and in some cases twice a month without my permission. Now my scores and reports are hurting because of these unauthorized inquiries and i would just like them removed so my score will be what it should be.