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

RE : Remaining items To whom it may concern : XX/XX/2017 This letter is being written to dispute the account below in attachment which i have done several times. You have responded by stating that the creditor or collection agency verified the inquiry or account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the inquiry or account could not be verified, your company must delete & permanently remove the inquiry or account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you will face charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate inquiries and accounts that remained on my credit file. Accounts reporting inaccurately are 1. XXXX, 2. XXXX Inquiries reporting inaccurately : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus XXXX XXXX, XXXX, and Experian ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX XXXX Inquiry Date XX/XX/2XXXX XXXX, Inquiry Date XX/XX/20, 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 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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: Mortgage

Property XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX had a mortgage and they let other people rent the house and the they evicted them. I went and paid {$2000.00} cash to prevent eviction but they did anyway and no one moved Out XXXX XXXX is still there with her boyfriend that they say is my online husband
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX  {$3800.00} XXXX XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my report that I will like to be removed, Ive sent serval by disputes in regards to these inquiries, these inquiries are fraudulent and I want them all removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Debt collection

Report states that I had service from XX/XX/2018 and date deliquiate was XX/XX/2018. Have tried to dispute, no contract, debt is not owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XX/XX/year> Subject : Request for Clarification of Account Details Account Number : XXXX Dear Equifax, I am writing to r request clarification regarding the reporting of the above-referenced account on my credit report. While reviewing my credit report, I noticed discrepancies and would like to ensure that the information being reported is accurate. Specifically, I am requesting clarification on the following : The date of charge-off for this account. 
The date of the last payment recorded on this account. 
The date of first delinquency, which initiated the negative reporting on this account. 
I kindly ask that you provide me with the specific dates for these events, along with any supporting documentation that verifies their accuracy. This information is critical for me to fully understand my credit history and ensure the data being reported aligns with my records. 
Please treat this request as formal under my rights provided by the Fair Credit Reporting Act ( FCRA ). I kindly ask that you respond within 30 days from the date of receipt of this letter. 
If you require further information from me to process this request, please feel free to contact me at XXXX Thank you for your time and assistance. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDITOR WAS CONTACTED AND MADE AWARE THAT THE REPORTING OF THE ACCOUNT WAS INACCURATE AND IS CAUSING DAMAGES TO MY CREDIT REPORT. THE LATE REMARKS XXXX   2020, XXXX 2020, XXXX 2020 2020
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I applied for a loan of {$300.00} through XXXX XXXX XXXX. During the loan application process, the company explicitly stated the terms of the loan, including the fees and repayment structure. However, after accepting the loan, I was unexpectedly charged an additional hidden fee of {$430.00}, which was not disclosed at the time of application. 

I believe this fee is unfair, deceptive, and a violation of my consumer rights. I attempted to resolve this matter with the company directly, but they refused to remove or justify this additional charge. As a result, I am seeking CFPBs assistance in investigating this matter and holding the company accountable for its misleading practices. 

I request a full refund of the unauthorized fee and any additional relief deemed appropriate. Attached are copies of my loan agreement, any communications with the lender, and relevant documentation supporting my claim. 

Please let me know if you need any further information. Thank you for your time and assistance in addressing this issue.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605 ( 15 U.S.C. 1681 c-2 ) that you, the Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent activity is regarding of a personal loan opened at XXXX, on XX/XX/year>. 
This information is not information or transactions I approved to be reported to my consumer report and violated several federal laws. In addition, violation XXXX XXXX. XXXX ( d ) ( XXXX ) by way of reporting experiences and transactions within my consumer report. Also, my previous disputes are violation of XXXX XXXX. XXXX ( XXXX ), which the investigation has always included factual information on my consumer report obtained directly from the creditors of the consumer ( me ). 
These accounts do not have my permissible purpose in pursuant of XXXX XXXX. XXXX to furnish the information they are reporting, yet they are selling to third parties, which is identity theft and fraud by using the identifying information of another person ( me ). I have attached a copy FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  {$830.00} 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: Credit reporting or other personal consumer reports

XXXX : ** Discrepancy in Credit Report and Unchanged XXXX XXXX I am writing to bring to your attention a concerning issue with my credit report and XXXX XXXX that I have observed across the XXXX major credit bureausXXXX, Experian, and XXXX XXXX 

Despite making multiple on-time payments on my credit cards, my XXXX XXXX has remained unchanged. This situation is perplexing as I have consistently managed my credit responsibly and expected my XXXX XXXX to reflect these efforts. 

Additionally, I have a tradeline reported by a company named XXXX, which, according to XXXX, has been successfully reported. However, there seems to be a disconnect, as my XXXX XXXX has not reflected any change. XXXX provided me with a case number for this issue : XXXX. 

I kindly request that you look into this matter as soon as possible. It is important that my credit report accurately reflects my financial activities, and any discrepancies be addressed promptly. 

Please let me know if there is any additional information you require from my end to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed derogatory remarks on my credit report that are inaccurate, invalid, and are in violation of my consumer rights. I have worked to address this issue via disputes with the creditor directly, XXXX, Experian, XXXX, and the likes. Unfortunately, this creditor continues to report inaccurate information and the consumer reporting agencies are allowing this inaccurate information to be shared with others. For example, the reports are showing a CLOSED account with a CURRENT PAID status of OK. 

In accordance with the Fair Credit Reporting Act 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 After, several attempts to resolve this issue to no avail I am filing a formal complaint. These organizations should be held accountable for not being in accordance with the law.
Product: Credit card or prepaid card

I bought 2 round trip airline tickets from XXXX. They said they were charging me roughly {$2000.00} for the tickets. Later I only received a confirmation for the return flights, not the outbound flights and was charged roughly half the cost. 

I called them and they said there was a problem with the outbound flights but did not know why they had not gone through. I told them I do not want return tickets if I am not getting outbound tickets. They refused to cancel or refund my money. 

I called Chase Bank who I have my VISA card though. I told them I was ripped off and scammed. I said I was told I was buying round trip tickets and was only sold one way tickets. I said the company would not refund my money. They said they can not do anything because of the state the charge is in. I told them I am reporting a scam and being ripped off and expect them to look into it. I told them I do not care what state a transaction is in. I will not pay for one way return tickets. I let them know I was furious at reporting this and having two people tell me there is nothing they can do. 

This conversation was recored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to set a security freeze with Equifax on line. I when through all the information, but at the end of the process got a message that something was wrong and gave me a number to call. When I called I was told my account was locked out and that I would have to provide my security number to the agent on the phone to get it unlocked. Considering the security record of this industry, I refused. I was told that I would continue to be locked out at that my records were not frozen and vulnerable. I had no problem setting the freeze with the other two credit reporting companies. In my opinion, Equifax appears to be trying to do a bait and switch with the free freeze offer!
Product: Credit card or prepaid card

I paid off my Credit card with Comenity-forever 21 in full. I have no balance at all. balance is XXXX. So in XXXX or XXXX of 2022 I received a bill from them for XXXX dollars. it said it was interest. So I sent them XXXX $ just to make sure it was fully paid off. From that date on for the next four months they keep send me a bill for XXXX cents saying I still owe them money and I don't. I spoke with comenity on XX/XX/2022 and told them I don't owe them any more money and my account was fully paid off. I demanded they remove the charges for XXXX dollars and stop send me bills. I paid the account off in full 3 months ago. Comenity removed the charge and apologized. on the same phone call I told them to cancel my credit card I was sick of there XXXX and that they are committing a federal crime by putting a stamp on the fraudulent bill and mailing it to me ( wire fraud ) .They asked why am I closing my account? Because of they fraudulent bills you keep sending me. That phone call took place XX/XX/2022. I received a bill from them in XXXX, even though my account is closed and has been paid off for close to 5 months now. I want them to be penalized with a fine from the government, charged with a federal crime and I want XXXX $ for them trying to ruin my credit score. The only way this company will learn is if you hit them with a huge fine and make them pay me for this. Otherwise they keep doing this to the American public and think they can get away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Experian Information Solutions , Inc., and XXXX XXXX XXXX has no permissible purpose to be furnishing this information pursuant to 15 U.S.C 1681b. I am aware neither one of these conditions apply, and XXXX XXXX, Experian Information Solutions , Inc., and XXXX XXXX XXXX is furnishing information from XXXX XXXX, XXXX. In addition, XXXX XXXX is involved in Racketeering Activity along with XXXX XXXX, XXXX. by furnishing negative, inaccurate information, oppressing and harming XXXX XXXX XXXX, Consumer. In addition to receiving proceeds derived from such Racketeering Activity. Convictions of Racketeering Activities carry up to a XXXX XXXX XXXX of Chief Executive Officers of all parties involved. All three of the Consumer Reporting Agencies are reporting this account as, " Closed '' when, as of XX/XX/2022, XXXX, " XXXX XXXX XXXX. '' stated that this account is still open. Which is false representation of the status of the account. All of the Consumer Reporting Agencies are in violation of the Fair Credit Reporting Act.
Product: Checking or savings account

I opened a Marcus by Goldman Sachs savings account on XX/XX/year>. I funded the account with XXXX separate accounts on XX/XX/year>. XXXX of the initial funding deposits was for {$6400.00} and the other was for {$8000.00}. On XX/XX/year> the {$6400.00} deposit was returned to the funding account in which it came from. I called Goldman and asked why. They told me that my account had been closed and that the remaining {$8000.00} would be returned to me within XXXX business days. After that XXXX business day timeline had elapsed and I still had not received my remaining funds, I called them again. This time they said that my account was not closed, it was just locked. They unlocked my account, and I again transferred the {$6400.00} back into my Marcus savings account on XX/XX/year>. However, the funds were reversed again and sent back to the funding account on XX/XX/year>. The account was then formally closed on XX/XX/year> and I received formal notice of those closure. All interest I received on my funds were reversed on the day of account closure. There has since been the original {$8000.00} that I funded the account with on XX/XX/year> sitting in my closed account that has still not been returned to me. I have called numerous times over the past approximately 14 months inquiring as to why my account was closed and when I would receive my remaining {$8000.00}. I was never told why the account was closed. The first few times I was told that my funds would be returned within XXXX business days but none of those timelines have ever been met. The most recent times I have called they have told me they can not give me any timeline as to when my funds will be received. They also have not been able to give me any updates as to what kind of progress they have made on my inquiry.
Product: Debt collection

I get multiple phone calls a day from different numbers that claim to be midland credit managment. I answer the calls no one says anything. Sometime I get a call at least once every hour of the day. Im still not sure what debt they are trying to collect on.
Product: Debt collection

15 USC 1692c is a fair debt collection law that prohibits phone calls at certain dates or times, and at certain places1. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt2. A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error3.
Product: Credit reporting

Transunion fails to remove the XXXX XXXX XXXX account.. Transunion reports incorrectly that this account has a credit limit of {$5000.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency. Transunion reports incorrectly that this account has a current balance of {$25000.00}. This account has issued a XXXX cancellation of debt .Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting

I had an account with XXXX XXXX. In XXXX 2014, the account was closed because I moved. Later, they sent me a refund check in the approximate amount of XXXX. I never heard from them after that. Recently, I received a collection notice from XXXX XXXX XXXX. I then contacted XXXX during the validation notice period and paid the account in full. I was told the account would NOT result in a negative entry on my credit report. Several weeks later, XXXX reported the collection account. I contacted them and explained that the account was paid, provided them with proof of payment, and was told the entry would be deleted. As a back up, I filed a dispute with Equifax , including the proof of payment with the dispute. Equifax said they verified that the entry was being reported correctly, in spite of proof of payment supplied to them. 
XXXX XXXX, XXXX, and Equifax are responsible for an entry on my credit report that has severely lowered my credit score. In spite of direct verified proof that the entry is inaccurate, and in spite of repeated attempts by me to resolve and remove the entry, they refuse to delete the inaccurate entry, and I have been damaged.