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

Despite the multiple previous written requests, the unverified items listed below still remains 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 verifiedthat these items is being reported correctly? Who verified thse items? 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 items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. XXXX XXXX & XXXX XXXX XXXX
Product: Credit card

Discover Bank : They closed my credit card account for no reason. I was making my payments on time every month, but my payment was automatically deducted from my XXXX XXXX XXXX XXXX checking account. I could only provide 1 year of transactions. I would need to request the rest. Maybe 2 or 3 years ago, I was late only 1 time. My statements will show that. Discover Bank has broken many laws against me. My account there with Discover Bank is the last four digits of the account XXXX, and my social security number is XXXX, DOB XXXX
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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no ties to the listed creditors.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and TranUnion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Debt collection

After numerous attempts to get verification since 2017 from Datamax Corp, I still haven't received any verification that this fraudulent debt belongs to me and they are reporting this debt on my credit reports when I don't even know what this debt is for!
Product: Credit card

I am so tired of all the credit card company checking my credit without my permission and then want to regulate what I am doing with my other creditors as long as I am paying my bills to you synchrony you no right to close my account and if you are going to close an account why don't you pay the freaking bill since you decided to close it when I wasn't using it you sent email after email to begging me to buy something so I did and then you decided to take away my credit because you were meddling in my personal business. It these creditors should not have the right to base their decision on some they have no business looking at anyway if I didn't ask for and increase of credit. And my bills are being paid with all my credits I don't ever want to do business with you all ever again you cam close all the cards I have with you. And pay the freaking bill I can give your merchandise back and anyway the XXXX credit card your are closing the store is closing also they are going out of business.
Product: Debt collection

I recently checked my credit report and noticed some inaccurate accounts reporting. Also, I am not sure if they are licensed for debt collection in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the listed accounts below : Account name : XXXX # XXXX
Product: Debt collection

XXXX XXXXXXXX XX/XX/XXXX Experian Dispute Department po XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear Experian, I am writing to dispute inaccurate information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The disputed information is as follows : - Creditor Name : XXXX XXXX XXXX XXXX - Account NumberXXXX - Nature of Dispute : Inaccurate reporting of late payments and account status Under the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information reported ( 15 U.S.C. 1681e ( b ) ). However, my credit report contains the following inaccuracies : 1. The account reflects three late payments, but I believe these are erroneous as I made consistent payments, including on XX/XX/XXXX, as shown in the attached documentation. 
2. The account is listed as closed as of XX/XX/XXXX, which contradicts payment activity after this date. 

These inaccuracies are damaging to my creditworthiness and are a direct violation of the accuracy and dispute resolution requirements of the FCRA ( 15 U.S.C. 1681i ). 

I am requesting that you : 1. Investigate this account thoroughly : as required under 15 U.S.C. 1681i. 
2. Provide written confirmation : of the results of your investigation. 
3. Remove or correct all inaccurate information within the legally mandated 30-day timeframe. 

If this information can not be verified, it must be promptly deleted from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ). 

Failure to address this dispute adequately may result in further action to protect my rights under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of receipt and a resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

Medical Data Systems INC- {$610.00} I am writing to formally request validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. The account in question appears on my credit report and is being reported as delinquent. However, I do not recall any outstanding balances owed to you and would like verification of its accuracy and legitimacy. As required by the FDCPA, please provide the following : 1. Documentation verifying that the alleged debt is valid and that I am responsible for it. 2. The original contract or agreement bearing my signature that indicates I agreed to the terms of the debt. 3. A detailed breakdown of the amount claimed, including any fees, interest, or other charges. 4. Proof that your company is authorized to collect this debt on behalf of the original creditor. 5. Documentation showing that the debt complies with state and federal laws, including the statute of limitations. Until I receive the requested verification, I respectfully request that no negative information related to this account be reported to the credit bureaus. If this debt has already been reported, please contact the credit reporting agencies to have the account marked as in dispute. If you are unable to provide sufficient evidence to validate the alleged debt, I ask that it be removed from my credit report entirely in compliance with the Fair Credit Reporting Act ( FCRA ). Please note that this letter serves as my good faith effort to resolve the matter. I am prepared to take further action if my rights under the FDCPA and FCRA are not respected. Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 30 days. Please respond in writing to the address provided above.
Product: Credit card or prepaid card

Hello Back in XX/XX/XXXX Synchrony bank charged my ASHLEY Furniture account {$2000.00} in interest and fees after I calling customer service to report financial difficulties and being out of work due to Covid. In XXXX I spoke to a customer service rep who insured me that no interest would be applied to the account and that Synchrony bank will extend the promotional plan that Im on until XXXX. That never happened, XXXX XXXX interest charges in the amount of {$2000.00} was applied to my account
Product: Checking or savings account

i had a personal loan of {$16000.00} with XXXXXXXX XXXX XXXX. the payment was set up with my bank, the Bank if Hawaii, for payment on the XXXX of each month. i have a social security payment on the XXXX of the month, but i was charged a {$30.00} overdraft fee every month. the final paymnet was not automatic and i have not been able to pay it, and now it is in recovery. i called to let them know i am filing a complaint with you and want Bank of Hawaii to refund me the {$360.00} overdraft fees for five years. my credit rating has plummeted and i had a score of XXXX now XXXX. 
thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/2024, following the receipt of my bonus, I proactively wired {$50000.00} from my personal account to reduce my line of credit balance, a step intended to demonstrate responsible financial management. However, immediately after this transaction, all my banking access, including line of credit, online banking and bank to bank transfers was abruptly suspended. Upon contacting my banker XXXX XXXX I was informed that the bank was conducting a routine verification to confirm the source of the funds from my personal account. Despite promptly providing evidence via my bank statement on XX/XX/XXXX, illustrating the wire transfer from my personal private client XXXX XXXX account to my personal account at Huntington, my line of credit and banking services remained suspended. After escalating the matter to the Branch Manager, and providing the same bank statement, the issue persisted, and communication ceased abruptly. Subsequently, I sought assistance from my neighborhood branch manager to address this ongoing concern ( XXXX XXXX ). XXXX informed me the LOC would not be reinstated and I would not receive my {$50000.00} deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2022 I began the process of applying for a home loan and unfortunately was denied a home for my family because of false and misleading information reporting on my credit report. Once I noticed the false information on my report I sent dispute letters to Experian to which they have not responded to my request to further investigate the false information on my credit report. And I have proof that my dispute letters were received. My family and I are truly distraught because I really need to obtain a home for the well being of my family.
Product: Credit reporting or other personal consumer reports

I have lost track of the numerous letters I've sent to your bureau regarding my identity theft case, yet my concerns remain unresolved. Despite filing the required FTC complaint, your bureau persists in reporting these fraudulent accounts on my credit report. I want to emphasize that I've already reached out to the banks linked to these accounts, provided the necessary documents, and promptly had the accounts removed from their records. Once again, I am disputing the fraudulent information negatively impacting my credit file. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

I am a XXXX veteran, and my student loans were paid in full and not late. I have asked that the accounts be updated to in good standing or remove from my credit report. Removal immediately is what I am requesting. They are still showing negative on my credit report- XXXX, XXXX and XXXX. I have been dealing with them for correction since 2023. The information on my report is hurting my reputation and keeping me from getting adequate housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two concerns here. 

The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in FedLoan back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. 


I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which fedloan was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. 
As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. 


The other ISSUE is a bit tricky and complicated but at the heart of it beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on. 
Ive had issues re certifying because of the time it takes and see it isnt as simple as XXXX consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. 
even if you calculate that from month one of FedLoan taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.
Product: Prepaid card

On XX/XX/year> at approximately XXXXXXXX XXXX XXXX I bought a {$200.00} digital Google XXXX XXXX XXXX  online from XXXX and had it emailed to myself. I redeemed the card successfully on my Google XXXX account. When I tried to spend my Google XXXX gift credit on an in-game purchase, I received the error, " Your transaction can not be completed. To proceed, please submit the required information by completing this form. '' and was directed to this form : XXXX XXXX XXXXXXXX? XXXX. I entered XXXX for the Store name, the gift card redemption code, and put down " Online '' for the city where my gift card was purchased. I submitted said form. On the same day, at XXXX XXXX, I received an email stating, " Thank you for your patience while we reviewed your account. We have identified some inconsistencies with your account and the information you provided us. As a result, we are unable to help you redeem these gift cards. '' This is the second time this has happened and feels like a scam because Google is not allowing me to spend gift card credit when I have purchased it from one of their approved vendors. I spend regularly via Google XXXX using my credit cards and XXXX, but Google XXXX gift cards continue to be a huge inconvenience to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT LIABLE FOR THIS DEBT WITH XXXXXXXX XXXX XXXX XXXX  AND I DO NOT HAVE A CONTRACT WITH NATIONAL CREDIT AUDIT CORP. THIS IS A FALSE ACCOUNT. # XXXX DATE OPENED : XX/XX/2021 AMOUNT {$10000.00}. I HAVE ALREADY ASKED FOR A PROPER INVESTIGATION AND HAVE NOT RECIEVED XXXX. NEITHER COMPANY HAS VALIDATED THE DEBT. NEITHER COMPANY HAS SENT DOCUMENTS CONTAINING MY WET SIGNATURE PROVING I OWE THIS ALLEDGED DEBT. I DID NOT CONSENT OR AUTHORIZE NCAC TO OBTAIN MY INFORMATION AND CONTACT ME. THEY HAVE BEEN ADDING NEGATIVE MARKS TO MY CREDIT REPORT WITHOUT MY CONSENT AND REFUSING TO REMOVE THE MARK. ANYTHING DONE ABOUT ME THE NATURAL PERSON WITHOUT MY CONSENT IS IDENITY THEFT. AT THIS POINT THEY ARENT SEEKING TO AVOID LITIGATION, AFTER CLEARLY BREAKING FCRA LAWS. IAM SEEKING LITIGATION AS OF NOW
Product: Checking or savings account

Berkshire Bank has a policy that if your business bank account falls below {$1000.00}, they charge you a XXXX maintenance fee. I have two accounts and they both get charged this fee. My average daily balance is probably over XXXX. I believe it is an unfair practice to charge a bank fee of XXXX if your bank account balance falls below {$1000.00} with no other product available if your balances fall below this threshold. I feel like they are robbing me of my money every single month and its unfair. In addition, I receive a {$20.00} XXXX Banking fee charge on my checking account. So, basically, I am paying {$40.00} per month just to have XXXX checking accounts with Berkshire Bank. I feel the balances should be based on average daily balance. 

Basically, I am paying over $ XXXX just to do business with this bank with no alternative product offered by them. Its not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX credit account XXXX with XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Also states that a consumer reporting agency can not furnish my account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

While viewing my credit report I have a few hard inquires from when I applied for a mortgage starting in XX/XX/XXXX. I thought applying for a mortgage within a few months was counted as only one hard inquiry. 

XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XX/XX/XXXX All XXXX of these hard inquiries are for a mortgage I closed on XX/XX/XXXX with XXXXXXXX XXXX These hard inquires appear on all reporting agencies on my and my wife 's credit reports Thank you