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

EXPERIAN REPORT # XXXX This CFPB complaint constitutes a Notice of Default, second written communication for the record. Take notice this Notice of Default is not a validation request, do not send any validation. 

On XX/XX/year>, a certified Notice of Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX delivered to EXPERIAN regarding the report stated above & instructions to block & delete the following unauthorized accounts stated below. 

On XX/XX/year>, I received a response letter dated XX/XX/year>, report # XXXX NON-COMPLIANCE of my instructions. 
EXPERIAN is required by law & it is their duty to comply with my instructions that are authorized by law. 
My instructions to block & delete were not being made in error nor on the basis of a material misrepresentation. My instructions to block, delete, cease & desist the entities listed are due to invasion of my right to privacy. The entities did not have my XXXX XXXX written consent to be in possession of nor sell my private financial & personal information. I have called to EXPERIANS attention the following are in non-compliance with Privacy Act, Gramm-Leach-Bliley Act, FCRA & FDCPA. 
The following unauthorized entities must be blocked, deleted, cease & desist. 
XXXX ) XXXX XXXX XXXX  - XXXX XXXX ) XXXX XXXX XXXX - XXXX XXXX ) XXXX XXXX XXXX - XXXX XXXX ) XXXX XXXX XXXX - Acct # XXXX
Product: Credit reporting or other personal consumer reports

credit karma failed to report score along with bureaus accurately
Product: Credit card or prepaid card

This company utterly refuses to comply with the law regarding disputes for unauthorized purchases. I contacted this company initially on XX/XX/XXXX to advise of an unauthorized purchased through XXXX XXXX ... on XX/XX/XXXX I sent these people proof not only did I not make the purchase. They blocked my card on a weekend. And I spent two hours on the phone attempting to get a supervisor. These creeps have lied about the resolution date three times. Not only have I removed my payroll proceeds from the account. They keep charging me fees for an all but closed account. They lie over and over again about the date this matter is supposed to be closed. the initial resolution date was on XX/XX/XXXX they never responded to my inquiry then the date changed from XX/XX/XXXX to XX/XX/XXXX. Now they are just not responding to my inquiries, they have not refunded my money, and are tacking on a bunch of service fees. the only reason this account hasn't been closed is that they keep dragging this matter out while charging me fees for a closed account, so even if they refund me, they have assessed fees to ensure that I won't. This is the second request and complaint, which is the only reason they pretend to reach out. they know i want this account closed yet they continue to bill unauthorized fees
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a complaint for Credit reporting Improper use of my report and The credit bureaus stated the following accounts ; 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 XXXXXXXX were properly investigated, however how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is ground for removal. My rights were violated under 15 U.S.C 1681 Section 604 Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on my credit report.
Product: Credit card

Contrary to what was provided I did call end clothing about a refund on XX/XX/XXXX as provided in photo and they told me I had to dispute with my bank. As proved they already lied about not reviewing their phone calls about me requesting to return a mishandled product as they assured me they sent the right product but I sent proof that they sent the wrong size and as a consumer Im Protected in returning a mishandled product which was the wrong size as I wouldnt be assured a refund. I received the wrong size as pictured and they refused to accept a return or replacement so as my bank I believe Im entitled to a refund as I took every necessary step to resolve this with the merchant
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letter to  XXXX ,  XXXX  and transunion, stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also have  for two year s have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  XXXX   XXXX .
Product: Checking or savings account

Debit my account later proved the amount was giving to me by the magistrate, bank keep denying of receiving the claim! 
They closed my checking account and saying due to suspicious online activities like hackers!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$350.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R  226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My information was exposed in the data breach of the following companies : TransUnion, Equifax, and Experian. The breach of data and information is a clear violation of the consumer privacy policy held by the Fair Credit Reporting Act ( FCRA ) 15 u.s.c. 1681.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was supposed to give me a non-disclosure form that gives me the option to opt out giving my personal information to any third party affiliates but they didn't do that. 
Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. Dear Ally financial, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802.
Product: Credit card or prepaid card

Synchrony Bank closed my Amazon Store Card. With that I lost over {$700.00} of rewards. 

They claim that in the teams & conditions it says that when the account is closed the rewards are profited. 

However I don't think it is fair in a case that THEY out of the blue closed my account. 

I am aware that the big banks like XXXX, XXXX XXXX XXXX XXXX when they close your accounts, they give 30 - 60 days to redeem the rewards. 

I believe Synchrony Bank should give the same grace period. It only makes sense.
Product: Credit card or prepaid card

Credit card companies continues to allow charges after filing a lost or stolen card. Credit card company say they have the right to continue to allow charges to go through well after the cancellation card has been placed. I believe I was misled by a particular credit card company as well as by others that when submitting a lost or stolen card they can allow charges on new card number. I contacted my credit card company and they state that this is a common practice. I believe that once you submit a lost and stolen card and get a new number no one else should be able to charge until you give them specific permission. I feel that the credit card companies are protecting the vendors/merchants, not protecting the consumer or card holders. I believe this is fraud on the part of the credit card companies to allow continued charges after card has been canceled due to lost or stolen circumstances. Credit card companies continue to collect interest and allow fees to continue in direct favor of the merchant/ vendor and credit card company. Regardless of their policy this is fraud. What protects me and my number from these activities?
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : 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

CIG FINCL XXXX was reporting inaccurate on my credit report in violation of Federal Law. I need this to be updated or removed accordingly.You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts one is Sears and the other is XXXX XXXX. Several years ago I was a additional signer on the account with my mother XXXX XXXX. I was taken off of both accounts and it still is shows on my credit report. 
XXXX XXXX XXXX Revolving SEARS/CBNA XXXX
Product: Credit reporting or other personal consumer reports

I am in review of my credit report and found a fraudulent account from XXXX XXXX XXXX account number XXXX that was opened XX/XX/XXXX, for the amount of {$2900.00}. I sent a letter to XXXX XXXX on XX/XX/XXXX and they received it on XX/XX/XXXX. In my letter to XXXX, I dispute the debt and ask for a copy of the purchase agreement to validate the debt. I also file a complaint with the XXXX and request a copy of the purchase agreement and XXXX did not respond to my request for the purchase agreement. I did not sign a contact or authorize XXXX XXXX company to open an account on my credit report. Please remove this account from my credit report. It is hurting my ability to obtain credit and degrading to my character.
Product: Debt collection

To Whom It XXXX Concern, I am writing to file a formal complaint against PORTFOLIO RC regarding their unlawful actions that violate my rights under the Fair Credit Reporting Act ( FCRA ) and Regulation F ( XXXX CFR Part XXXX ). Specifically, I believe the collection agency has not adhered to the following regulations : Failure to Provide Validation Information : Pursuant to XXXX XXXX XXXX ( b ) ( XXXX ), PORTFOLIO RC has failed to provide the required validation information upon my request. Despite this failure, they have placed a collection account on my consumer report. 

Denial of Dispute Opportunity : Under XXXX XXXX XXXX ( c ) ( XXXX ) ( i ), I have not been given a reasonable opportunity to dispute the accuracy of the debt with PORTFOLIO RC. 

XXXX of XXXX Practices : PORTFOLIO RC has engaged in false, misleading, and deceptive practices in their attempts to collect the alleged debt, which is a direct violation of consumer rights protected under federal law. 

Furnishing Information Without Required Disclosures : According to XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX ( XXXX ) ( A ), PORTFOLIO RC has unlawfully furnished information to consumer reporting agencies without providing me with all required disclosures. 

Additionally, I dispute owing any and all debts to PORTFOLIO RC. Therefore, I hereby revoke all rights of PORTFOLIO RC to communicate with me via email, text messages, or phone calls regarding this matter. 

Furthermore, I formally request the following from PORTFOLIO RC : Debt Validation : Provide validation of the alleged debt, including itemized statements and documents proving the debt 's validity and ownership. 

XXXX XXXX : Furnish a copy of the purchase agreement or contract between PORTFOLIO RC and the original creditor demonstrating their legal authority to collect this debt. 

Proof of XXXX and XXXX : Provide documentation proving that PORTFOLIO RC is licensed to collect debts in California and bonded as required by law. 

These actions by PORTFOLIO RC have caused significant distress and financial harm. I have attached relevant documentation supporting my claims, including copies of correspondence with PORTFOLIO RC. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure [ Collection Agency Name ] complies with federal law. I also request that the collection agency cease all collection activities related to the disputed debt until these violations are resolved. 

Thank you for your attention to this matter.
Product: Mortgage

I paid off my Co-Op mortgage loan 15 years earlier than the 30 year term. 
I was suppose to get my stock certificates but was told by mortgage company that the stock certificates could not be found. 
I received an email from the mortgage company stating that the loan was paid in full but that the stock certificates could not be found. It included an affidavit stating that fact and I was to send the affidavit to the co-op board or managing company so that a replacement for my stock certificates could be issued to me. The mortgage company stated that they would refund the cost of the replaced stock certificates. 
After I did as instructed by the email from the mortgage company. I was later told that they did some more investigating and that they never received the stock certificates from The " Custodian of the Stock and lease '' They should have had that information when I paid off my loan in full. 
Because I followed their instructions to send the affidavit email to the co-op board I had to pay the co-op boards lawyer {$600.00} dollars for a lien search in order to get the replacement stock certificates. 
If the mortgage company had been more careful they would have informed me from the beginning that they never received my apartment 's stock certificate and I would have resolved this directly with the co-op board and asked for the original stock certificates that were due me when I took out the mortgage. Now no one wants to take responsibility for the error that was committed when I started the process to get my Co-op apartment. This is not fair. I paid all monies that needed to be paid when I got my apartment. I should not have to lose {$600.00} more dollars for an error that was not my fault. The loan company should have looked into this matter before making me take steps that cost me {$600.00} dollars. Please help me if you can. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries listed on my consumer reports I have no knowledge of nor given permission for my credit to be pulled. I have tried reaching out to the creditors by phone and also mail only to receive nothing in return.
Product: Debt or credit management

XX/XX/year> KIKOFF Started charging a fee of {$50.00} a month for service that was never provided. And this company ruined my credit score by over XXXX points I never borrowed money from them and they never not once even provided and credit help but wanted money for nothing.
Product: Credit reporting or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports, and noticed that XXXX XXXX # XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, XXXX. 
I have retained a copy and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required XXXX period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the CFPB and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that EXPERIAN, XXXX XXXX and XXXX may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

I am aware of your illegal practices of sending form letters in response to disputes and challenges.

from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.

BSCF14 Terms Frequency : MISSING INFORMATION... There is inadequate information to justify a write-off status on my credit report for an account that does not even show XXXX, XXXX, or XXXX past due. this is an obvious error please delete it immediately. BSCF25 FCRA Compliance/Date of First Delinquency : Missing data and information. 
This account was never late and was also PAID IN FULL on time XXXX XXXX XXXX Please delete the error.
Product: Credit reporting or other personal consumer reports

There are some accounts on my credit file that I dont recognize. I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments associated with these accounts. 
These accounts do not meet FCRA requirements. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card This account is reporting a 30 day late payment on XX/XX/XXXX but on XX/XX/XXXX it is being reported as current. This data is not accurate or reliable being that there is only 30 days in a month. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

2.Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. The data does not show when the last payment was made, it shows that a {$5.00} payment was made XX/XX/XXXX I requested proof of this but it was never provided. A proper investigation was never conducted. 

XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX The data does not show when the last payment was made, I requested proof of this but it was never provided. A proper investigation was never conducted. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX The data does not show when any payment was made or the last payment and when this account became charge off, I requested proof of this as well as a 1099c form the creditor should have provided to me when the account status changed to Charged off but it was never provided. A proper investigation was never conducted.

Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transition are reporting fraudulent accounts and inquiries on my credit report.Here are the list of accounts and inquiries : Account : BANK XXXX XXXX XXXX XX/XX/2020 XXXX BANK XXXX XX/XX/2020 Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEAM XXXX XXXX XXXX XXXX XXXX XXXX