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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed accounts that were incorrect on my Trans Union report. It hasn't been corrected and it's not accurate as the FCRA Laws says it should be. They refuse to do a proper investigation and correct multiple errors. 

XXXX XXXX XXXX Account # XXXX Charged Off showing a balance and payment history reporting on a closed account. Dtae opened shows 2 different dates. Dates of last activity is different. 


XXXX XXXX XXXX Account # XXXX High Balance Shows 2 different amounts Date of Last activity shows 3 different dates Showing a Balance and Payment history on a closed/charged off account Last payment showing 2 different dates.

This is violation of FCRA Laws.
Product: Credit reporting, credit repair services, 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. 

XXXX  Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Child Support XXXX XXXX, CHild support XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX inquiry, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX data XXXX XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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. 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-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

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXXXXXX XXXX XXXX Account Number Num : XXXX Balance {$450.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I submitted FTC reports and all Identity verification and the credit bureaus failed to fix/delete items on my credit report. Credit bureaus keep sending stall letters to not remove accounts that are in fact not mine. 

Please remove XXXX XXXX XXXX Account number XXXX and XXXX XXXX  Account number XXXX
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the CFPB highlighting significant issues with the platform. Ive had issues happen and I contact Zelle and they do nothing about it nor do they investigate anything. They told me it was impossible for the issues that happened to me to occur on their platform and proceeded to dismiss my issue multiple times.
Product: Money transfer, virtual currency, or money service

MONEYGRAM FAILED TO FURNISH ALL DISCLOSURES REGARDING INVESTIGATION REQUESTED FROM XX/XX/XXXX-XX/XX/XXXX. WE ACCIDENTLEY PAID XXXX XXXX XXXX FRAUD INDUCED WIRE TRANSFER TO REC CODEXXXX BETWWEN XX/XX/XXXX-XX/XX/XXXX.
Product: Mortgage

Several solutions could have been made and instead my money was turned away. 

After I explained multiple issues with the online payment platform that was recently updated, there was no recourse or reimbursement for my account that was heavily compromised. 

In reality those hours turned into days and as it stands now could have been entered into a management team member to resolve. 

However, the poor customer service resulted in trying to take me into a series of steps that were heavily one side and pre determined so whatever information I had to share was a foregone conclusion. 

Very disappointing and will not recommend this company even after multiple years of service. 

I will be filing a complaint with the XXXX and FTC as I believe the software platform and customer service agent used scripted tactics, deceptive practices, detoured my ability to provide payment and worked against my favor with malicious intent.
Product: Bank account or service

The worst customer service I have ever experienced. Bank of America put a hold on my card without notice and then mailed me a new one. When I called to figure this out, I was hung up on twice and transferred to XXXX different departments. This is sick!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card

I have been fighting with My Best Buy XXXX card for close to a year. I had close to XXXX XXXX dollars in fraudulent charges from stollen card numbers. 
I had XXXX number when this started and have been fighting to fix my credit, and was given a new card number On XX/XX/XXXX I paid off card On XX/XX/XXXX I paid off card On XX/XX/XXXX I paid off card On XX/XX/XXXX I paid off card On or about XX/XX/XXXX I received a letter from Best Buy stating they reversed the unauthorized charges and if I did not hear back from them in 90 days this process would be permanent. This is XX/XX/XXXX and I did not receive another letter to this regard. 
On or about XX/XX/XXXX I received a letter from Best Buy stating they closed my account and are sending information to the XXXX credit bureaus. Continue making payments, What payments? 
On XX/XX/XXXX Paid off card again, they removed late fee, and account closed. 
On or about XX/XX/XXXX another letter from CITI bank, stating my account was past due and even though my account is closed I need to make payments. AGAIN this was paid-off on XX/XX/XXXX. I replied on XX/XX/XXXX at XXXX, tried calling XXXX times and could not get past the computer. 
On or about XX/XX/XXXX I received a letter from CITI//Best Buy stating my account was past due and even though the card is closed I still have to pay off. I called back a spoke with XXXX XXXX who had removed the {$69.00} charge. 
I received a statement XX/XX/XXXX for another late fee {$29.00} plus {$1.00} interest charge stating I have a past due {$20.00} and a late fee charge {$30.00}, balance is {$59.00}. 
XX/XX/XXXX Called Citi bank spoke with XXXX who transferred me to XXXX who told me I had a XXXX balance and to call back in seven days to verify. 9 days later called back got XXXX who transferred me to XXXX in security dept, disconnected?? On XX/XX/XXXX spoke with XXXX. 
on or about XX/XX/XXXX paid another {$29.00} to Best Buy On or about XX/XX/XXXX received another bill ( XXXX ) for {$99.00}, just ignored. 
On or about XX/XX/XXXX I received another bill for {$60.00}. I called an spoke with XXXX. I told her the account was closed and she reversed the {$60.00}. Should be XXXX On or about XX/XX/XXXX received another bill for {$100.00}. 
Lastly heard they now say I owe over {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is blocking me from enabling external applications
Product: Credit reporting

When applying for a loan in XXXX of this year, I learned that TransUnion ( but not XXXX or XXXX ) had another person 's name, addresses, phone numbers, employment, and accounts listed under my file number with them and my social security number, as well as most of my own information. I wrote to them, but was unsuccessful in getting them to correct all of the incorrect information in my file until after XXXX more attempts through the XXXX. They have finally removed all of the incorrect accounts, but now list XXXX of my legitimate accounts as having been disputed, which it was not. I have spoken with that credit card company and assured them I had no dispute regarding my account with them and explained the nature of the dispute that I did file. I also had to deal with XXXX of my accounts being closed because it had an account number change and was erroneously included with the other person 's accounts with that company. 

This was not the first time that TransUnion had mixed my account up with this same person. It had previously occurred in 2006. I am extremely disturbed that because of the nature of this business I have no option of not doing business with them and they will be allowed to continue reporting my credit. I have no confidence that they are capable of correctly reporting the information they handle after the experiences I have had with them
Product: Debt collection

PRA is reporting inaccurate information to my consumer report, specifically, XXXX.

I had disputed the alleged debt with the alleged creditor and that dispute was never resolved, and according to PRA they bought the debt.

I have asked for the underlying contract so I may file an arbitration action against them and the refuse to provide such information.

They are reporting inaccurate information and that violates the FCRA is a per-se violation of the FDCPA.

Also they are reporting they ( PRA ) are a " FACTORING COMPANY '' Again, this is a false and misleading statement. A factoring company provides loans against accounts not in default and that are assumed to be legally collectable, usually due to the original owner need an influx of cash.

PRA is a debt buyer and has been sued many times for their illegal practices and continue to flaunt the law.

They are reporting inaccurate information about the alleged account, they have no way to know anything about the original dispute because they were not a party to the dispute, they are failing to arbitrate by refusing to produce the alleged contract and they are referring to themselves as a factoring company, an clear and obvious misrepresentation.

On a side note, XXXX XXXX, the alleged original creditor has removed the account from all three of my consumer reports and they are the alleged original creditor, yet PRA is claiming its information is accurate when the original source of the information did not claim the information was accurate when said information was disputed?
Product: Credit reporting or other personal consumer reports

I am writing to report an issue regarding the exposure of my personal information in a national data breach. After reviewing my credit reports, I discovered accounts that I do not recognize or have no knowledge of. Specifically, I received statements from XXXX which I believe do not constitute proper validation of debt. 

To address this, I have requested debt validation from the Credit Reporting Agencies ( CRAs ), but I have not yet received the requested information. Given that my personal information was exposed in a national data breach, I have also submitted a complaint to the Federal Trade Commission ( FTC ) regarding this matter.

Attached are the following documents for your review : My FTC complaint report Proof of my identity ( including my SSN and utility bill ) A debt validation letter Evidence of my information being compromised in the data breach I kindly request your assistance in addressing this issue and ensuring that these unfamiliar accounts are properly investigated. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit card or prepaid card

My wife and I were flying on an XXXX XXXX plane last XXXX and the flight attendant was pitching a credit card and promised XXXX air miles if we filed an application for the card. I filed an application, but I never received the card. I then began to get e-mails stating that I owed {$99.00} for the card I never received. Then I received e-mails stating more charges. I never received the card. Then, I saw that my credit score went from the low XXXX down to the mid XXXX. That was terrible. I contacted Barclays bank at least four times and they claimed to be investigating the issue. I have still heard nothing from them and now they say I owe over {$350.00}! I have never received the card and my credit score is still destroyed due to lack of payment to Barclays bank. Barclay 's customer service is horrible, and I pray you can help me with this problem. I believe the account is now closed but they have ruined my credit due to their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX XXXX : {$4400.00} XXXX XXXX XXXX XXXX : {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as "? '' and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Product: Debt collection

I have reached out to all the credit reporting agencies such as XXXX, XXXX and Equifax and tried to dispute the over {$1900.00} claimed on my credit report that I owe XXXX XXXX XXXX. Just recently I've tried to get this erroneous fraudlent debt removed. The credit bureau agencies kept saying per XXXX this debt is valid and true. I have always maintained my stance this is not True. I have been failed by the system. I have been fighting this for over 3 years. Its affected my quality of life renting apartment paying outrageous deposits, higher interest rates etc. Finally just this year XXXX XXXX XXXX managed by XXXX XXXX XXXX have admitted to the error that it was a Giltch in their system. This error was listed on my credit XX/XX/XXXX they claim the error was found XXXX but as late as XX/XX/XXXX XXXX claimed I owed over {$1900.00} even though it should be {$180.00}. It makes it seems like this was a deliberate violation that everyone is cohoots with. How can this happen? I thought all debt were to be validated. I want the bill to be completely expunged for my pain and suffering. See complaint # XXXX where the XXXX of XXXX claims it can take up to over 90 days to correct this items with the credit bureau XXXX This is slanderous, devious and Not right at all. I want this debt immediately removed from my credit. The credit bureau need to have better business practice to safeguard consumers. I will go to the Attorney General Office to file a complaint against all the Credit reporting agencies and seek further guidance what my rights are from a Attorney. How did the original creditor find the discrepancy in XXXX and Nobody knew.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. 

Here are the accounts that Ive marked as inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

The company is Rubin and Rothman recovery llaw firm in New York and the phone number is XXXX. They have called me repeatedly, left voicemails saying they will come to my house or work within certain time frames. I called back and an employee was extremely rude. They do have my information incorrect as I was going to discuss, but it was impossible due to the rude gesture of the employee named XXXX. I then spoke with XXXX who threatened me with court and said I was on a recorded line and would have my time in court. I do not know what this pertains to. I have not received anything from this company until these threatening calls started within the past week.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX & Without Correction within 30 day period. The violators started threatening consumer without faithful correspondence to consumer 's concerns. 
Account ending in XXXX : {$4500.00} Account ending in XXXX : {$11000.00}