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

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you have given me.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEGAL LETTER OF DISPUTE Date : XX/XX/2022 To whom it may concern : This letter is regarding the degree of negligence regarding the unknown, unverified collections/charged off accounts listed on my credit report. Your agency has violated so many of the FCRA/FCDA laws, rules and regulations. I will list them below and I am requesting that you remove them immediately as we have discussed them on several occasions. I was told that you are required by law to properly investigate and validate that all the information is reporting correctly across all reporting agencies, and must be XXXX XXXX Accurate, XXXX XXXX  Verifiable and XXXX XXXX  complete. 

I urge you to take this matter seriously, I have filed my initial complaint with the CFPB and I am prepared to seek legal remedy for failure to remove these accounts from my credit profile in the next 15 days. 

In accordance with the FCRA/FDCPA the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX Violation : Double Jeopardy/invalidated collection/charge off account XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX Violation : Reinserted this account after verifying it as fraud. ( See your dispute report ) Rules of Laws 1. 15 USC 1681 sec 602 ( A ) States I have a right to privacy.

2. 15 USC 1681 sec 604 ( A ) sec 2 : Sates a consumer reporting agency can not furnish a account without my written instructions, 3. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} and XXXX XXXX XXXX Date Opened:XXXX  Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 ( a ) states that I have a right to privacy These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed below IMMEDIATELY! 

XXXX & XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Upon viewing my new monitoring service I noticed a debt balance from company XXXX XXXX XXXX for a debt balance of {$1000.00} on my file that is fraud and a result of identity theft doesn't belong to me. I have filed a identity theft report and have attached to this complaint. This balance is claimed to be from XX/XX/2013 I have never used whatever service company offers this is not my account or balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX send me a PDF format file regarding a complaint true the CFPB portal ( see Attachment ) and in this letter they stated clearly they bought the account # XXXX from XXXX XXXX and stated the follow paragraph in the letter, " With its purchase of the Account, the Current Owner acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, however, the Current Owner is not reporting the Account to the credit bureaus '' ( see attachment letter ) .... 

XXXX in their own portal inform me they had updated the status of this account and the validate the account under XXXX XXXX with a Balance of {$1700.00} .... ( SEE ATTCHMENT ) 1. HOW TWO CAMPANIES CAN HAVE THE SAME ACCOUNT IN THEIR HANDS WITH THE SAME BALANCE???? 

2. WHAT METHODE DID XXXX USE TO VALIDATE THIS ACCOUNT STILL UNDER THE NAME OF UPSTART AND WHERE ARE THE DOCUMENTS OF THIS VALIDATION??. 

3. I REQUESTED SIGNED DOCUMENTATION AND BILLS FROM ALL COMPANIES AND ALL FAIL TO PROVIDE THE REQUESTED DOCUMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting

On XXXX XXXX, 2016 I attempted to request my free credit report for Equifax from the online web site XXXX. When I submitted the request, the web site directed me to the " Annual Credit Report Request Form '' and instructed me to complete and submit the form. I did so on the same day and mailed it to the address indicated. That form stated it would be processed within 15 days. Since I never heard anything, on XXXX XXXX, 2016 I submitted the request via the telephone. Again, I have received no response. I would have gladly called to follow up but there does not appear to be a customer service phone number which allows you to actually talk to a human being or even leave a message. Since no one will respond, I am at a loss as to what to do next. Please advise. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX XXXX but it is still reporting on TransUnion. I sent a debt validation letter and student loan letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, XXXX XXXX XXXX. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is participating in fraud with XXXX XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On TransUnion credit Report, XXXX XXXX XXXX ( XXXX ) status states DELETED from your credit report.
Product: Debt collection

Your Account Dispute has been updated. 

XX/XX/year> The incorrect account with LVNV FUNDING LLCthat starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : LVNV FUNDING LLC  Address : C/o Resurgent Capital Lc XXXX XXXX  XXXX, XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, AARGON AGENCY INC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA AARGON AGENCY INC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} CB/VICSCRT XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}.
Product: Checking or savings account

I was hung up on by XXXX exec branch officials for simply asking the status of my 3 month old claims. they could provide no information. they were vulgar and rude. this is not how you treat customers. They refuse to honor my claims that were the result of fraud and are trying to make me liable for them. this is not right and now I understand the reason for Wells Fargo low reviews. I see why they've had multiple scandals in the past. I believe you need to look into them for not only the money they're stealing from me but from others. and how they hang up on clients and tell them rude things
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated [ XX/XX/year> ], in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on, auto loan, account [ XXXX XXXX XXXX account number XXXX ]. To date, I have not received confirmation of the correction nor observed any changes in my credit report. I am writing to file a formal complaint against XXXX XXXX XXXX due to the lack of response to a credit dispute letter I sent on [ XX/XX/year> ]. Where XXXX XXXX XXXX violated my rights by law, that it did not respond to me in more than 30 days as stipulated by law, where I requested that it provide me, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that it has adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Also include all information required by section 1637 ( b ) of Title 15. As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Product: Credit reporting or other personal consumer reports

This letter addresses disputed accounts on XXXX XXXX XXXX credit report, emphasizing legal violations under the FCRA and US commercial codes. The letter highlights that unauthorized accounts have been reported without written consent, violating consumer rights. Key points include : Disputed Accounts : Multiple accounts are contested for inaccuracies, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) Inaccurate Information : XXXX XXXX XXXX received a letter from TransUnion on XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXXXXX, containing inaccurate and unauthorized information on her credit file. This document is being used as evidence to support the demand for correction and deletion. 

Legal Violations : 18 USC 1028A : Knowingly transferring, possessing, or using information without lawful authority.

15 USC 1681b : Lack of written instruction to add information to the credit file. 
FCRA ( Fair Credit Reporting Act ) Compliance : Demand for investigation under maximum possible accuracy standards and for the removal of inaccurate or unauthorized information. 
Demand for Action : The letter demands immediate reinvestigation of these accounts within 30 days and requests permanent removal of all erroneous entries to improve the credit report. A CFPB complaint is filed to ensure accountability and a formal resolution. 

Supporting Documentation : The letter references previous complaints, official dispute records, and applicable laws, such as the XXXX XXXX TransUnion XXXX case, emphasizing the failure of data furnishers to verify the disputed information. 

Resolution Request : Permanent deletion of inaccurate, incomplete, or unfounded information that hinders XXXX XXXX XXXX credit score and financial standing.
Product: Credit card

I called on XX/XX/XXXX  at approx. XXXX XXXX  on my XXXX XXXX credit card backed by the ELAN bank. My statement due date was XXXX XXXX XXXX  and my balance was {$970.00}. I paid on XX/XX/XXXXXXXX  {$630.00} and also an automatic payment of {$65.00}. So on XX/XX/XXXXXXXX  my balance was {$270.00} which I understand the APR interest of 28.24 % would be charged. By my calculations would be {$6.00}. 
They were charging me {$21.00}. When I called they explained that no matter my balance left over, they would charge interest over the total statement balance. I asked for a supervisor ( XXXX XXXX and she stated the same thing. This went on for about a half hour explain to them that interest should only be charged on what was not paid off. She reviewed my records and reversed my charges after I stated I would file a claim with the CFPB. I will be paying this card off and not using it in the future. But I infer that this is how they charge other customers.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681i ( 5 ), and 15 U.S.C. 1681c ( c ). Additionally, their failure to properly investigate my disputes aligns with the recent CFPB lawsuit against Experian for their " sham investigations '' of credit report errors. 

Summary of the Issue I have been disputing the inaccurate reporting of a XXXX XXXX XXXX Account charge-off with Experian. The initial charge-off date for this account was XX/XX/XXXX. However, Experian has illegally re-aged this account by updating the charge-off date multiple times, which violates federal law. 

In XX/XX/XXXX, I filed a dispute with Experian regarding this inaccurate reporting. Instead of correcting the issue, they improperly updated the charge-off date to reflect XX/XX/XXXX instead of its original charge-off date of XX/XX/XXXX. 

In XXXX and XX/XX/XXXX, they again updated the charge-off date, further re-aging the account illegally to extend its negative impact on my credit report. 

This practice is unlawful under 15 U.S.C. 1681c ( c ), which prohibits reporting charge-offs beyond seven years from the original delinquency date.

Experians actions constitute negligent and willful non-compliance with the FCRA and directly harm my ability to access credit, housing, and employment.

Violations of the FCRA 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy Experian has failed to maintain accurate records by improperly updating the charge-off date.

15 U.S.C. 1681s-2 : Furnisher Responsibilities The data provider ( XXXX XXXX XXXX XXXX and Experian are required to report accurately and must not engage in illegal re-aging. 

15 U.S.C. 1681i ( 5 ) : Failure to Properly Investigate Disputes Experian has not conducted a reasonable investigation of my disputes and continues to report incorrect information.

15 U.S.C. 1681c ( c ) : Reporting of Obsolete Information Experian is unlawfully extending the reporting period of this negative account beyond the legally allowed timeframe. 

CFPB Lawsuit Against Experian I also want to highlight that this complaint directly relates to the recent CFPB lawsuit against Experian for their failure to properly investigate consumer disputes and for their improper reinsertion of errors into credit reports. My case serves as a direct example of Experians illegal practices that the CFPB is already investigating.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report that i want removed : XXXX XXXX XXXX- XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is appearing on my credit report even though they are past the statute of limitations. I hired a credit repair organization called XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX has already disputed this item which is past the statute of limitations, and the 3 bureaus are still incorrectly reporting this loan. XXXX shows the account is in collections. Experian and XXXX are both showing 120+ days late. The bureaus are also unwilling to remove this item. The last date i challenged this item is on XX/XX/XXXX. 

The date XXXX XXXX opened is XXXX of XXXX. The drop off date is XX/XX/XXXX. The account number is XXXX. The balance is {$9300.00}. Please help!
Product: Credit card

I called Bank of America on XX/XX/XXXX at XXXX AM Arizona XXXX. I asked if a goodwill adjustment could be made to remove my missed payments from being reported to the credit bureaus. The representative agreed. I asked if he was able to remove all of the missed payments ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and he confirmed that he was removing all of them. 

Shortly after, I began searching for a home as a first time home buyer since I was expecting these late payments to soon be removed. 

On XX/XX/XXXX, I saw that the credit bureaus had received updated information from Bank of America, however, the missed payments had not been removed. 

I have since made numerous calls to Bank of America trying to get an update on the process as well as get some documentation that this is happening I haven't gotten either. Knowing that it's not the phone reps fault, I've aimed to be as kind and understanding as possible. However, phone representatives have been unhelpful at best, and XXXX have even blatantly hung up on me. I have been told to keep waiting and that there is nothing that they can do. It seems that the notes that have been left on my account are nondescript or insufficient for representatives to understand what is happening with my account. 

To make matters worse, these missed payments were partly due to the fact that Bank of America hasn't allowed me to set up auto-pay for my account. I have tried numerous times to set up auto-pay dating back to the end of XXXX. When accessing my account through both the website and app, it says that I have to call to set up auto-pay. When I call, I am either met with confusion, or given an attempted solution that does not work. I have had XXXX representative try to reset my account and another try to set up auto-pay by taking my checking account information through the phone. Both times, the attempted solutions failed. To this day, I am still unable to use auto-pay. 

I am now under contract to buy a home and the financing is at risk of falling through because Bank of America has not made this update or provided me any documentation of this update.
Product: Checking or savings account

I have a open complaint currently in regards to Truist mishandling my funds. And altering hold dates without notice and then charging me NSF fees. I have since deposited XXXX which shows it is available and in the account. Truist will not allow me to transfer funds. This has been going on for weeks, they have attempted to keep me negative and withholding funds. I am astounded at how this bank operates. There is no way to contact them the wait time is hours and then when you may get to a call center they have hung up EVERY time. The online complaints on XXXX are many people experiencing the same problems I am having. I should have access to my funds!!!!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report.