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

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting ACT ACCOUNT XXXX XXXX XXXXXXXX # 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 alson states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

On XXXX/XXXX/2015 i removed the freeze on my XXXX credit reports and applied for a Capital One credit card. I was approved with a {$15000.00} line of credit within 5 seconds and was told i would receive my card within 2 weeks. 4 days later i received a call from " someone '' from Capital One saying i needed to send in documentation verifying my identity before i could get my card. I thought it was a scam to get my identity and ignored it. I then received my credit card in the mail with a welcome letter. I called the number on the card to activate it. I was told that i had to send in documents to verify my identity. I sent them a copy of my drivers license with my current address, social security card, utility bills of gas and electric with my current address to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ATTN : XXXX Fraud Dept.-FIT. I then received a letter from Capital One dated XXXX/XXXX/2015 that says " we suspect fraudulent activity on your credit card so we placed a temporary hold on it to make sure no one is using it without your permission ''. I did not hear from them for 10 days so i called them back. They said they never received the documents, I sent them the same copies again to the same address. About 2 weeks went by so i called them again. A lady i spoke to apologized, said i was approved, and she released the card for me to use. I started using the card, made at least XXXX purchases, then received another phone call from Capital One saying the card was suspended because they never verified my social security number. I decided that i was going to just pay off my purchases and cancel the card but when i go to my e-mail online account it wo n't let me access the account. I went to my XXXX and XXXX credit reports and it shows Capital One made a credit inquiry on my behalf so i do n't know what the problem is here. My welcome letter from Capital One shows a credit check from XXXX so i do n't know if it is them i need to go after but i assumed my social security number is in my credit reports. i do n't know what to do so i am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXXT XXXX Acct # 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.
Product: Debt collection

I have already contacted the company regarding the claim. I do not owe. The debt is paid.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX  XXXX-Balance {$840.00} XXXX XXXX XXXX-XXXX-Balance {$0.00} XXXX XXXX-Balance {$18000.00}
Product: Credit card or prepaid card

Hello, every SINGLE account was closed. All 14 of them. No notice. No phone calls. No level of anything. My accounts are all paid correctly, on time, and I am have extremely low credit utilization and to be told by a customer service agent that I am a HIGH CREDIT RISK does not face muster. I will not pay another single dime until ALL my accounts are promptly reopened. I will retain legal services in the process.
Product: Debt collection

I received a letter in the mail from CashNetUSA claiming an account under my name was established and a loan approved. Which is obviously incorrect. When I contacted the number list it asked for the last XXXX digits of my social. I did not provide the info and ended my communication at that point. I filed this complaint within the hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting closed/ charged off accounts with a balance due. 
It is my understanding that if I receive a 1099 for a charged off account they should no longer report monthly payments as the account is closed and the balance due and should be changed to {$0.00}.
Product: Debt collection

Received a call during working hours from XXXX. The caller would not identify company name or purpose of call, but was asking for my personal information and social security number. Finally, she stated she was with Williams and Fudge, but would not tell me what the call was regarding, and kept asking for personal information : social security numbers, etc.
Product: Debt collection

Pursuant to 15 USC 1692c ( c ) collector was informed of consumers absolute refusal to pay an alleged debt. Company was informed that the law states If a consumer notifies a debt collector of their refusal to pay an alleged debt, the collector must CEASE all communication. They are to CEASE AND DESIST all communication in attempts to collect alleged debt. 

Communication to credit reporting agencies is considered COMMUNICATION IN AN ATTEMPT TO DAMAGE CONSUMERS CREDIT IN ORDER TO COLLECT alleged debt and will not be tolerated. Date on adverse account continues to report as of XX/XX/year>. 

Consumer requests REMOVAL of account from their credit report ( s )
Product: Credit reporting or other personal consumer reports

According to Section 602 of the Fair Credit Reporting Act ( 15 USC 1681 ), it is stated that " There is a need to ensure that consumer reporting agencies fulfill their significant responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have the right to safeguard my private information, supported by 15 USC 6801, which asserts that " It is the policy of Congress that each financial institution has an ongoing obligation to respect the privacy of its customers and to protect the security and confidentiality of their nonpublic personal information. '' A " furnisher of information to credit agencies '' is classified as a financial institution under that title. 

Furthermore, Section 604 ( a ) ( 2 ) of 15 USC 1681 states that " In general, subject to subsection ( c ), any consumer reporting agency may provide a consumer report under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it pertains. '' XXXX and XXXX, as consumer reporting agencies, do not have my permission to disclose my information, and they certainly do not possess any written consent from me. Any and all forms of consent granted to XXXX, XXXX, or any furnisher of information to credit agencieswhether verbal, non-verbal, written, implied, or otherwiseare hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an explanation of how they can exercise their nondisclosure option. '' The furnisher of information to credit agencies has not informed me of my right to opt out of such disclosures. Additionally, 15 USC 1681c ( a ) ( 5 ) specifies that, " Except as authorized under subsection ( b ), no consumer reporting agency may produce a consumer report containing any of the following items of information : any other adverse item of information, apart from records of criminal convictions that predate the report by more than seven years. '' The account in question is an adverse item that is being reported without my authorization, which is against the law. 

According to 15 U.S. Code 1681s-2 ( A ) ( 1 ), " A person shall not furnish any information regarding a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' Furthermore, 15 U.S. Code 1681e mandates that " Every consumer reporting agency must maintain reasonable procedures designed to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. '' It is evident that XXXX and XXXX are failing to maintain such reasonable procedures. Finally, 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below please find a copy of the complaint I sent to the three credit bureaus. 

I am writing to dispute the following information in my file. In XXXX of XXXX, my student loan company XXXX XXXX XXXX XXXX hereinafter ( XXXX XXXX either intentionally, recklessly, or negligently reported all my loan statues as 90 days late in the middle of the pandemic. 
XXXX  report that my loans were 90 days late is inaccurate for several reasons. First, simply look at my credit report, in XXXX of XXXX XXXX reported all my accounts as current, how is it possible for me to be 90 days late only one month later. The only notice I had that I was late was when I received the notice from XXXX XXXX My Credit drooped over 100 points, I was furious. I contacted XXXX and their holding message said, I didnt need to do anything during the pandemic. When I finally spoke to someone, they informed.me that I was 90 days late. I told them how is that possible when they just last month reported me on time, and they could not answer. When I asked why no one had ever contacted me via phone or email, I discovered that they had the incorrect phone number and email address. I have had the same phone number for 21 years and the same email address for the last 5. Furthermore, my contact information was sufficient for the previous owner of the loan to contact me via email and via phone. If there was any error with my contact information it is because of XXXX intentional, reckless, or negligent acts. When I contacted XXXX and made them aware I could not make the monthly payment they immediately made my loan current without even providing them with a payment and instructed me to file for a repayment plan with the government. After filing my paperwork with the government, I was given payment terms of XXXX $ for a year starting in approximately XXXX of XXXX. XXXX is the one to blame for my being reported 90 days late I did nothing wrong. Had they simply contacted me like the last owner of the loan did the loan would never have been reported 90 days late. Because of XXXX action I lost out on a car loan and an apartment. 
I am requesting that the loan status for all XXXX loans in XXXX of XXXX be changed to current and the designation of 90 lay payment status be IMMEDIATELY removed to correct the information. 
Please investigate this matter and correct the disputed items IMMEDIATELY. Please also be aware a copy of this letter is being sent as a complaint to the consumer financial protection bureau and I will be contacting an Attorney and pursuing legal action against both you and XXXX. You company is negligent for allowing an account to be reported 90 days late before it has first been reported 60 and 30 days late. Your negligence is as much to blame in the falsities on my credit report as XXXX. Your company has a duty to report my credit accurately and you breached that duty ny allowing my account to be listed as 90 days late before first being listed as 30 and 60 days late.
Product: Debt collection

NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!
Product: Credit reporting or other personal consumer reports

This is a followup to complaint XXXX which was not resolved by Lexis Nexis. Here is the text of my original complaint : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I learned that my Lexis Nexis consumer report had record of an at-fault automobile accident. The accident was not-at-fault, and the date of loss was XX/XX/XXXX. Upon learning this, I contacted XXXX, who wrote a letter in XXXX of XXXX confirming that the accident was not-at-fault. Nevertheless, over the last 2 years, the incorrect reporting by Lexis Nexis has driven up my automobile insurance rates. I heavily pursued getting this corrected on Lexis Nexis ' end in the fall of XXXX. Their correction processes have been incredibly cumbersome and it is nearly impossible to get direct answers or to speak to someone over the phone who can help. Their phone call centers lead to dead-ends. Lexis Nexis continues to tell me they can not even issue me a copy of my own report due to failure to verify my identity, despite providing copies over time of my driver 's license and passport. Nevertheless, I provided Lexis Nexis with my letter from XXXX, intended to correct the record, but Lexis Nexis didn't accept the letter and won't correspond with me. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- - After filing complaint XXXX, Lexis Nexis called me to verify my information so they could send my report. Over the phone, their representative told me the information confirmation was successful and that me report would be sent to me by U.S. mail. I received correspondence from them, but they still declined to provide my CLUE consumer report based on an inability to verify me.
Product: Debt collection

SANTANDER XXXX XX/XX/2018 {$9700.00}
Product: Debt collection

AMCA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX, NY XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMCA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMCAor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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 Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}
Product: Checking or savings account

Received 1st letter XX/XX/XXXX, addressed to XXXX XXXX Called XX/XX/XXXX. Letter stated that I may have been billed for services I did not request or approve. I did not approved. Agent stated that I should receive a check in the amount of {$520.00}. No reference as to what the check is for or what it means if I cash. Asked if reimbursement or settlement as part of the law suit, they refuse to answer. They stated I should receive the check in 30 days. Called XX/XX/XXXX, I have not received the check. Agent on todays call indicated that check had not been mailed. 
XXXX XXXX Membership # XXXX REF # XXXX Received 2nd letter today XX/XX/XXXX. 
Called, asked the same questions. Agent stated that account had been terminated and asked if there was something he could do. I responded that the letter stated that if I did not approve these services ( Identity Theft ) that I should call. I called. Why is the agent acting as if there is nothing he could do. he should be providing instruction and explanation. After I asked to be escalated, he volunteered to address the letter. After escalation the Wells Fargo Customer Care rep stated there was nothing they could do. Why is it that every question you ask results in the call being transferred back to Wells Fargo Customer Care. Tell me this is not a contact firm hired to go thru the motions of taking the calls, but not with the intent of helping Wells Fargo XXXX, but adding a check to say that a customer can be removed from the list. 

XXXX XXXXXXXX XXXX XXXXXXXX I NEVER thought I would have to worry about my bank stealing from me. If you are going to send these letters, make sure the people are trained to address the questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank XXXX XXXX is incorrectly reporting the last activity on the account. The last payment on the account was in XXXX XXXX. There has been no payment, reinstatement, or any other agreement to reinstate loan after the last payment. The credit reports are showing payment activity through XXXX which is incorrect. This credit line should be corrected to reflect the last activity/payment XXXX XXXX. This loan was accelerated on XXXX/XXXX/XXXX and there has been no payments, agreements or reinstatement of the contractual loan since the acceleration.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/ ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer FICO credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned addresses are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

have had identity theft I did a dispute multiple times and i was denied relief and just sent a generic letter saying that I did the dispute in error, then I asked for them ( each credit bureau ) to send me the proof that it was me that opened the accounts that where opened fraudulently. XXXX Experian and XXXX refuse to remove these accounts that are fraud and will not share why they are being validated. these are the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX