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

On XXXX XXXX, 2017 I went in person to the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) branch to add my engagement ring onto my existing renters insurance policy. I had been told previously over the phone to bring the ring for pictures as well as a recent appraisal. Once I was seated with a representative she asked her manager to take the photos and collect my information. I was moved to another cubicle with the manager and she explained that I would receive a bill in the mail pro-rated for the rest of the 2017 year. A week later I received a letter from XXXX that was a Fair Credit Reporting Act Notice ( auto ) that stated I was being denied auto insurance based on a consumer report from XXXX XXXX XXXX XXXX XXXX.  I never discussed auto insurance with XXXX, nor do I have any interest in obtaining a quote from them. I never gave consent for them to pull my consumer report in any way. I have contacted XXXX and spoken with several representatives and managers and no one has an answer for me in regards to why this was pulled or how I dispute it.
Product: Credit card

All payments associated with these accounts have been consistently made on time, and any deviation from this accurate reporting is both unjust and illegal.
Product: Debt collection

I am writing to you regarding a fraudulent account that has appeared on my credit report. It has come to my attention that there is an account listed under my name that I have not authorized or opened. This is a clear violation of my rights as a consumer and is causing significant distress and inconvenience. XXXX XXXX  XXXX
Product: Debt collection

I am not liable for this debt with XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$210.00}
Product: Student loan

I've been dealing with navient for several years now. When I've called to get any kind of help with my loan payments to either try and lower when they were close to 500.00 per month to just making a simple payment they stick to script and will not budge. They always incite by laws in the agreement that gives them complete control over the loans and leaves me with few options.

Based on the current lawsuits against Navient I can not help but feel me and many others have been taken advantage of. Just one of the five loans I have began at XXXX and I am at XXXX after several years of paying.
Product: Credit reporting or other personal consumer reports

I am writing to address a persistent issue regarding fraudulent items on my credit report, which remain unresolved despite previous attempts to rectify them. Despite my previous disputes and documentation submitted, these fraudulent entries persist on my credit report, causing significant harm to my financial standing. I have adhered to the proper procedures outlined in the Fair Credit Reporting Act in my previous attempts to rectify this issue. I kindly request that you conduct a thorough investigation and provide me with a written response detailing the results of your investigation, along with the actions taken to rectify my credit report, within 30 days of your receipt of this complaint. I also request that the credit bureau furnish a written statement outlining measures taken to prevent the recurrence of such fraudulent items in the future. This is vital to safeguard my credit and ensure that others do not encounter similar difficulties. I am willing to cooperate fully and provide any additional information or evidence required during the investigation process. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to formally dispute late payment entries on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ). 

According to my credit report dated XXXX, XXXX and XX/XX/XXXX there are late payment entry listed for : XXXX. XXXX XXXX XXXX, Account number : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX Account number : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX Account number : XXXX, XX/XX/XXXX XXXX. XXXX XXXX, Account number : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX, Account number : XXXX, XX/XX/XXXX. However, I would like to bring to your attention that the late payments are inaccurate and unjustified.

Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies.

I am formally requesting that you investigate these late payment entries and provide me with the following information : 1. Verification of the accuracy of the late payment entry, including proof of the alleged late payment.

2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments.

I expect a thorough investigation into this matter and request that you provide me with a written response within 30 days, as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA.

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting

Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with XXXX XXXX XXXX which began reporting on XX/XX/XXXX, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XX/XX/XXXX. This debt is from XX/XX/XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to XXXX XXXX system on XX/XX/XXXX if all debts were discharged on XX/XX/XXXX. Thus XXXX XXXX XXXX has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and XXXX and they are refusing to delete.
Product: Credit reporting or other personal consumer reports

My TransUnion credit report currently contains a fraudulent inquiry from XXXX XXXX  on XX/XX/2024 I never authorized this company or anyone from this company to pull or review my credit report on the listed date ( or any similar date ). As this inquiry is a product of identity theft and is causing me great reputational harm and XXXX XXXX, it needs to be removed from my report immediately. I want to make it exceptionally clear that I never gave you, TransUnion, permission to furnish this fraudulent information, and as such, per 15 USC 1681 ( B ) ( C ), you are now in violation, both together and separately, of my privacy rights and rights as a consumer. I expect speedy remedy to this situation ; the inquiry should be removed within XXXX business days of receiving this communication. And if you choose to be willfully neglectful in regards to my credit file, I will not hesitate to seek remedy against you in a small claims court. I have attached the relevant FTC Identity Theft Report, personal ID ( drivers license, passport, and social security card ), and address verification for my XXXX  address ( most recent credit card statement and driver 's license ) and XXXX  address ( in the form of my most recent bank statement as well as my lease agreement ).
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2023 ; To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802 ; No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Against XXXX XXXX XXXX XXXX  for Unauthorized Reporting of Late Payments on Student Loans To Whom It May Concern, This complaint is filed regarding the unlawful reporting practices by the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) on my TransUnion credit report. My student loan account, which is currently in a documented deferment status, has been improperly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. 
Nature of the Complaint Inaccurate Reporting and Privacy Violation Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting inaccurate late payments during a deferment period violates this right.

Violation of Consumer Protection Laws Reporting these accounts as late without permissible purpose breaches 15 USC 1681s-2, which mandates accuracy in furnishing credit data to third parties. 
Aggravated Identity Theft and Defamation The unauthorized reporting of my student loan account has caused significant emotional distress and damage to my reputation. Under 18 USC 1028A, this act constitutes aggravated identity theft through the unauthorized use of my information.

Willful Noncompliance Under 15 USC 1681n, the XXXX XXXX XXXX XXXX  has shown willful noncompliance by knowingly reporting my account as late during deferment. 
Account Information Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Documented Deferment Status My student loan was in deferment during the period of XX/XX/XXXX to XX/XX/XXXX. Reporting late payments during this time is a direct violation of FCRA guidelines. 
Documentation Attached I have included a copy of my deferment documentation, credit report, government-issued ID, Social Security card , and proof of address to validate my claims.

Requested Resolution I request that TransUnion immediately remove the inaccurate late payments from my credit report for the period of XX/XX/XXXX to XX/XX/XXXX. I expect written confirmation of the correction within XXXX calendar days from receipt of this complaint. Failure to resolve this matter will result in further action to protect my rights under the FCRA. 
Attachments : Deferment documentation Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Wednesday, XX/XX/, I made a {$300.00} dollar withdrawal from my account. I asked for XXXX and XXXX. A machine counted the money to the teller, and the teller placed the money in an envelope and gave it to me. When I got home, I discovered that I was short XXXXXXXX XXXX bill. Instead of receiving XXXX XXXX dollar bills, I received only XXXX XXXX dollar bills. 

I emailed the Branch Manager the next day regarding the transaction. He did not respond. 

I filed an internal complaint with Regions Bank ( Complaint # XXXX ). He finally replied. I was not satisfied with his response. 

My account has not been credited with the missing {$10.00}
Product: Credit reporting or other personal consumer reports

Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. The following account ( List name and number of account ) is reporting a balance of ( enter balance amount ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. Regards,
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
Original Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Last Active on XXXX XXXX XXXX XXXX account XXXX is being inconsistent reported on my credit report. 
XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX. Experian how can you verify that this account is being reported accurately when the Date Last Active is still and continuing to report inconsistent. This information is coming from the same furnisher and should be the exact same for all three reporting agencies. Delete this account because of inconsistent reporting. Under section 15 USC 1681 S-2 you are prohibited by law the reporting of inconsistent and inaccurate information. This account is clearly being reported inconsistent. Delete account because of inconsistent reporting. Experian states that they cant view any support documentation that I provide. How can Experian conduct a proper investigation if they cant review the supporting documentation for my dispute. I am again attaching proof support documentation directly from the credit report showing the inconsistent reporting for CFPB review for my dispute. Also I am attaching a copy of my dispute letter I certified mailed to Experian. CFPB I ask that you hold Experian accountable for not uphold the law.
Product: Debt collection

I paid my phone ( device ) completely then stop paying the monthly line for money issues and resulted in disconnection. Then XXXX XXXX gave my debt to a debt collector agency called Credit Control LLC and they dont have any evidence that I owe them anything. Also XXXX XXXX has been furnishing a late deliquency to all 3 of my credit reports without my consent. Under the law 15usc code 1681 in order for them to furnish anything they need my consent first which they didnt have. This unlawful act has damage my credit report for a year and a half now. they also didnt mention a finance charge that includes any document fees and loan fees when i took the phone in payment. Under the law 15 usc code 1605 the finance charge includes document fees and loan fees which they made ME pay when its already included. credit control llc has been sending emails considering there imaginary debt that i supposedly owe them, i asked to verify the debt and they cant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Experian credit report and noticed that there was information that is inaccurately being reported. I tried calling them, but I could not get anyone on the phone. I also sent them a letter to dispute the information and I have not seen any changes, nor have I received investigation results from them and it has been well over 30 days. My consumer rights are being violated by their non-compliance with the FCRA. It is causing me great stress and I feel that legal action may be the only way to get this resolved.
Product: Debt collection

Cawley & Bergmann, a debt collection agency, is harassing me constantly, calling me, they also claimed that they sent me mail, but I never received any mail from this

Company. I have no idea what this Company wants from me, I have no Business with this Compan
y, as I have never signed any legal contracts or agreements with this Company.

I have no debt!

This needs to stop immediately!!
Product: Credit reporting or other personal consumer reports

I recently recevied a copy of my ( Experian, XXXX and XXXX ) consumer report, and I noticed some late payments posted on my consumer report : account ending in XXXX, late payments reported on, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX is in clear violation of the law. Pursuant 15USC1681 a 2 ( A ) ( i ) -EXCLUSION- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is not INCLUDED on my Consumer report!

YOU HAVE VIOLATED THE FCRA 15USC 1881a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly sates IS NOT included on my CONSUMER REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are reporting a Bankruptcy as a public record falsely. File date XX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.
Product: Debt collection

XXXX XXXX XXXX CLAIMS I OWE A {$39.00} DEBT Date Date Created : XX/XX/2014 Date Debt/Collection : XX/XX/2014 Amount of Debt : {$39.00} I am told by this Debt Collection Company that this Debt is in favor of XXXX XXXX XXXX XXXX. I'm not sure how this debt was created but this debt was not created by me. I have been a victim if identity theft and this is not my debt. I have lived in XXXX for the last XXXX. 

I ask that XXXX XXXX XXXX release this debt and clear my name
Product: Debt collection

I am hereby giving notices to Collins Asset Group LLC and XXXX XXXX XXXX to Cease and Desist communication in regards to an alleged debt that is reporting onto my consumer report. 

The term communication Pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium.

Any medium includes any written, oral or electronic or any other medium. Furnishing negative information on my consumer report is a form of communication.

This is a formal notice to cease communication through ANY medium including my consumer report as it is a form of communication regarding an alleged debt.

This is a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and my reputation has in fact been ruined in regards to this negatively reporting.
Product: Debt collection

I discovered an collection account by the name of Portfolio Recovery that is showing up on all three credit bureaus under my name and ssn that is a unverified account that i have no knowledge off. I have ask of them to remove this account because it could not be validate with a legal obligation to pay them.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding Equifax 's failure to respond to my dispute and validation request for an account appearing inaccurately and incompletely on my credit reports. Despite my initial outreach in XX/XX/2023, I have not received any acknowledgment or follow-up from Equifax. This lack of communication and action on Equifax 's part has had severe consequences for me as a single mother. The inaccurate reporting of this account has adversely affected my debt-to-income ratio, making it challenging for me to afford housing, and has significantly lowered my credit scores. Equifax 's negligence in addressing this matter has left me frustrated and feeling as though the system has failed me. As a consumer, I rely on Equifax to ensure the accuracy and verifiability of the data they report. However, their failure to assist me in resolving this issue demonstrates a clear violation of my consumer rights and has hindered my ability to access essential financial opportunities. I urge you to investigate this matter promptly and hold Equifax accountable for their actions. Your intervention is crucial in ensuring that Equifax fulfills its obligations and provides the necessary assistance to rectify this situation. Thanks for you assistance. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have a contract with a binding agreement with and this is inaccurately reporting to. Submitted more than XXXX days ago and they failed provide physical proof of this XXXX XXXX XXXXXXXX Fair Collections # XXXX The following items where also on report and I did not give authorization for the following to pull or access credit and I have contacted the reporting agencies on this matter and nothing has been resolved. 

XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Crypto.com allowed me to transfer XXXX to a fraudulent cryptocurrency options trading platform, XXXX, and I was not aware of the scam, although I am sure Crypto.com has the expertise and technology ro identify high risk and fraudulent websites and wallet addresses. I have lost approxiimatey {$230000.00} USD of my personal funds through this scam, with aprroximately {$190000.00} USD of that personal funds loss transferred through Crypt.com. 

Two documents are attached. These include my complaint letter conerning Crypto.com to CFPB, and my original complaint letters ( ADR and rebuttal ) submitted previously to Crypto.com.