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

Under consumer law 15 usc 1681c 2 which 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Your company has not removed the inquiry before the allowed time, which is a violation. 

Be mindful that according to 15 usc 1681n which states : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Also under consumer law 15 usc 1681o which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I would also like to remind you the out some of the Miller v. Equifax case that was settled for {$18.00} million in damages.
Product: Credit reporting or other personal consumer reports

I have reached out to original creditors and to the credit reporting agencies about fraud on my accounts I have never applied for any type of credit cards ever in my life. I have gotten police reports and proof of address and sent to all credit companies and to the credit reporting agencies and yet the fraud and inaccurate information remains on my credit report.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's necessary to eliminate any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are incorrect in terms of reporting. Compensation of {$1000.00} is due for each inaccurate entry on my credit file.
Product: Credit reporting or other personal consumer reports

I have taken a look at my consumer credit report XXXX and requested for your company to remove this public record XXXX XXXX  bankruptcy. The United States Bankruptcy court does not report any information to the credit bureaus and it is not responsible for verifying information from consumers credit files. Bankruptcy filings are publicly available records. 11 U.S. Code 107 Per that law I took lawful procedures and contacted the bankruptcy court of XXXX XXXX XXXX XXXX XXXX and received notification back stating they dont provide information to third parties and credit reporting agencies. I didn't give your company permission to have any records and if you do believe I may have I am now opting out per the 16 CFR Part 312 you are in violation of 15 usc 6508 ftc law and the Privacy act of XXXX So any authorization or validation Your company believes that you have, your company no longer has and it needs to be deleted, removed from all my consumer reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). I've tried getting in touch with the collection company as well and didn't get a response back. That very same account was also on my XXXX  which they weren't able to verify and since then has been removed. You guys aren't actually verifying anything it's much easier to just say its verified I would like an reinvestigation and this thing removed off my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that this account was not reporting accurately. I had one late payment and it says it was paid by collateral which is simply untrue. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. the account is - XXXX XXXX XXXX. with highest balance of XXXX . and it was opened on XXXX, XXXX, 2021. this account is showing false information so I ask for an investigation on this account across all three major credit bureaus. my social security number is XXXX
Product: Debt collection

On XX/XX/2020, I paid a debt with XXXX XXXX, whom was the collection agency for Moneylion, Inc. Since, they have placed the amount back on my credit report and drop my points by 20. I called and was told to contact XXXX XXXX, in which I did and they stated they would send the request a 3rd time in which XXXX XXXX stated they have sent the request. Moneylion has refused to update their records and delete the account.
Product: Debt collection

I have new and updated information on Pentagon Federal Credit Union. On XX/XX/XXXX at XXXX Pentagon Federal Credit Union received my intent to sue letter, litigation paperwork, and past documents since XX/XX/XXXX ( See attached documents ) to show proof that I was trying to resolve this matter outside of court. I have mentioned multiple violations of FDCPA ( 15 usc 1692 ) & TILA ( 15 usc 1602 ) and no action or effort was taken by Pentagon Federal Credit Union. So today I demand Pentagon Federal Credit Union to respond to my intent to sue letter, so we can resolve this matter immediately! If I do not receive a response from Pentagon Federal Credit Union by XX/XX/XXXX I will be continuing the next step in litigation. I will be waiting for your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get a loan to buy a house and when I checked my credit report I noticed a lot of discrepancies and blemishes that might jeopardize my character. It is also a violation of 15 USC 1681g disclosures to consumers.

15 USC 1681 ( a ) ( 4 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to consider hard inquiries by 4 mortgage companies in a 24 hour period as one hard inquiry and my rating with them is poor for hard inquiries despite the fact that I read them : You can shop around for a mortgage and it will not hurt your credit Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other creditors realize that you are only going to buy one home. You can shop around and get multiple preapprovals and official Loan Estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit check is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45-day window is over, shopping around is usually still worth it. The impact of an additional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. Note : the 45-day rule applies only to credit checks from mortgage lenders or brokers ' credit card and other inquiries are processed separately.
Product: Credit card

I found that US Bank opened a fraudulent credit card account under my name for a thief, who somehow stole my SSN and maybe DOB. As the thief also reported a brand new address, which does n't match any of existing addresses in my credit reports, US Bank should conduct more rigorous underwriting process and due diligence, require proofs of the new address and contacting me at the address that is listed in CR 's. They also should be surprised ( and stopped ) by total absence of any mortgage for this new property and seeing that my existing mortgage for the CR listed address is not paid off ( like if thief told them that he moved ). This negligence makes US Bank an accomplice in the Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Product: Credit card

I created an Account with Tomo Credit and used their credit card, the card must be paid immediately after purchase and it is advertised to help build credit score. Suddenly they closed my credit card account and I had a negative Balance of {$440.00}. I began to contact them but was unable to do so on their website, I emailed them multiple times and called. The contact option they had listed was email and thats it. shortly after I am unable to access my online account and no access to my overpayment of the card. I am trying to get my money back.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed I have XXXX late payments being reported by XXXX XXXX XXXX I called and they were unwilling to reverse the late payments although I have excellent payment history, and this was an oversight on their part. This is not how a customer with my history should be treated, I notice the late payment was reported in XX/XX/2022 and XXXX XXXX. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. 
Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section XXXX of the Fair Credit Reporting Act ( FCRA ). 



Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : XXXX. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation. 

XXXX. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter. 

XXXX. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information. 



I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.
Product: Student loan

navient indicated that my due date is on XX/XX/2022 ; however, student loan payment pause was extended through XX/XX/2022 ; also loans removed from default status
Product: Debt collection

A collection company known as United Collection Bureau , Inc from XXXX Oh, added a medical collection account showing XXXX XXXX XXXX. ( FCRA Violation ) This account was paid in full through my HSA. I provided proof of payment, they sent a letter stating they would correct the XXXX  Credit report as Paid but they refused to delete the collection account. ( this is a FCRA Violation as all medical debt that is paid in full must be removed ) Both XXXX and UCB refuse to remove the collection debt that shows paid from my credit report.
Product: Credit card or prepaid card

Someone I was charged XXXX $ from cashapp and I dont have a cashapp account Ive been trying to get it back since XX/XX/XXXX XXXX
Product: Debt collection

During my time with XXXX my bill was normal in the beginning and it steadily started to increase. By XXXX of 2020 my bill was approximately {$820.00} with {$170.00} in unauthorized data boost charges. By XXXX the bill total was {$630.00} with an additional {$380.00} in, again, unauthorized data boost. XXXX bill was {$1000.00} with {$350.00} in data boost. XXXX bill was {$1100.00} with {$330.00} in data boost. XXXX bill was {$1500.00} with {$350.00} in data boost. XXXX bill was {$1100.00} with {$800.00} in data boost. XXXX had a bill total of {$1900.00} with {$380.00}. XXXX bill was {$1800.00} with no data boost and that is when I closed my XXXX account. Now, the final amount has risen to {$2400.00}. These data boost make up more than half of the amount owed. These data boost were unauthorized charges on my account and I received no documentation about these until they appeared on my bill every month. I called XXXX multiple times a month about these data boost charges and not once were they able to help me or even remotely fix the issue. I have copies of my bills as needed and every email I received from XXXX. XXXX carelessly took large amounts of money from me and are now trying to take even more.
Product: Credit reporting

There is nothing FAIR in the federal Fair Credit Reporting Act if a consumer has to pay for their OWN credit score. Why does a consumer have to PAY for their own credit score? Anyone else seems to be able to obtain it, except the consumer. This is outrageous! 
Does n't this fall under the FOIA? Is there anything really " Federal '' about the federal FCRA? If so, why am I being addressed on the phone by someone in XXXX?
Product: Checking or savings account

Upon doing my taxes for the XXXX  year, I discovered that someone had gained access to my account and began stealing small increments of money via purchases to the XXXX  store linked with my XXXX account. Upon discovery I immediately contacted Bank of America. Having been a client of this institute for 17 years I was assured that due to the {$0.00} liability fraud guarantee I would have my claim investigated and at the very least credited back my stolen funds. 

Log in to Online Banking to report your lost or stolen card. We'll cancel your card and send you a replacement immediately. Remember, you're covered by our {$0.00} Liability Guarantee, so you won't be liable for any unauthorized charges or activity. 

After attempting to establish the claim, I had to call in numerous times. Bank of America had not only setup incorrect claims with the incorrect merchants multiple times, which resulted in multiple claims being opened. After finally having my claim started, it was denied due to the merchant sending very irrelevant evidence that Bank of America used without context to my claim. ( the evidence being that I linked my bank account to my XXXX account seven years ago ). This was not my issue, it is that someone GAINED access to the account and began using it as their own. 

After submitting my evidence to support my claim; consisting of XXXX refunding dozens of charges already, Bank of America reopened my claim and had also refunded me approx. 10 claims worth of charges amounting to {$300.00}. They have since stopped refunding the rest of the charges. I have since called multiple times, asked for supervisors, asked for clarification but it seems there are shay practices going on. Im being transferred to different people, different departments, my notes are locked or I cant view this and being told this is odd I cant see these details further this is handled by a back office - and nobody can give me details. This is going on three months with no information. 

It seems Bank of America is lying and not honoring its fraud protection for a client, a 17 year client with no such events such as this. I am pleading for the investigation into these shady and deceptive practices as I am now a victim of fraud for over {$2000.00} with no help from my banking institute dispute its guarantee to its protection of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

15 U.S.C 1681 Section 602 states that I have a right to privacy 15 U.S.C 1681 Section 604 states that a consumer reporting agency can not furnish any information without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA CHILD SUPPORT ENFORCE Account # XXXX DEPT OF THE TREASURY Account # XXXX XXXX XXXX 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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Product: Credit card or prepaid card

I noticed a renewel charge for XXXX XXXX in the amount of {$210.00} charged to my card on XX/XX/XXXX. I have not been to XXXX XXXX in over a year and did not authorize any renewal services. I was unable to get through to XXXX XXXX, so I disputed the charge on my American Express portal page. American Express sent me an automated response saying they would not reverse the charge. I have never had this happen with any other reputable credit card. American Express should reverse the charge if I do not recognize it, especially since it is some renewal service charge, I did not even go out and purchase anything. It's not like this is for some TV I just bought, or an online purchase.
Product: Credit reporting or other personal consumer reports

I am disputing 21 unauthorized US DEPARTMENT OF EDU that have appeared on my credit report as a result of identity theft. I did not apply for credit with these lenders, nor did I authorize any of these inquiries. These fraudulent activities have negatively impacted my credit score and were conducted without my consent.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these unauthorized inquiries from my credit report. Please investigate and confirm the deletion of these inquiries within the required timeframe.
Product: Credit reporting or other personal consumer reports

Experian 's website does not allow you to reset your password upon forgetting it. When you try to reset it, they say that there is no account associated with your username. 

When you choose the " Forgot Username '' option, it allows you to enter your information and then it emails you your username, however, this is the same username which their system states there is no associated account. 

This is a known issue that can be found online by searching " Experian unable to reset password '' in a search engine. The results will show that this has been a problem for years. 

The only way to contact them regarding this is via phone call or mail. When I attempted to reach out via phone, their automated system refused to direct my call to a customer service representative, but instead attempted to repeat the online steps of resetting my account which had the same outcome. 

As a result, I am locked out of my credit report and am unable to unfreeze my credit. 

Experian also has services for which they charge ( e.g., daily credit monitoring services ) and being locked out of your account without being able to unsubscribe from such services, except in writing, is anti-consumer since signing up for those services can be done in a few minutes online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several items are listed on my report that are inaccurate and have not been removed, after countless attempts in writing to have them removed and/or corrected. 

XXXX XXXX never late and accounts have been closed for years, there is no delinquent data current and Chex systems refuses to delete erroneous information. 

One XXXX XXXXXXXX XXXX- has my checking account listed as abuse which is incorrect and illegal. The accounts are under review and this distinction is posted in retaliation for my reporting the Director of Collections XXXX XXXX for misconduct.