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

To Whom It May Concern, The reason for my dispute is XXXX XXXXXXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to the credit bureau reports, in writing... under such section XXXX, subsection ( XXXX ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section XXXX ( XXXX ) & FDCPA XXXX, Under XXXX. V lid i XXXX XXXX XXXX Mi XXXX Mi XXXX XXXX XXXX i XXXX ( XXXX ) XXXX XXXX XXXX # XXXX Validations of date and Mini-Mirandi under XXXX ( XXXX ) XXXX  XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX  XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO XXXX. I also have reported this account to the FTC, and XXXX Police XXXX. I need this collection account to be removed from my credit report. XXXX XXXXXXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of an item that has recently reappeared on my credit report. Specifically, the negative item reported by XXXX XXXX XXXXXXXX has reappeared without any notification, contrary to the protections afforded to me under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
Relevant Information : This negative item was previously removed from my credit report. 
I was not notified of its reappearance, which is a violation of the FCRA 's requirements for consumer notification. 
\ Details of the Disputed Item : Account Name : XXXX XXXX XXXXXXXX Notification to the Consumer : If the item is reinserted, the credit reporting agency is required to notify you within XXXX business days. The notice must include the following : That the item has been reinserted. 
The name, address, and telephone number of the creditor or furnisher of the information. 
Your right to request a free copy of your credit report and to add a statement disputing the accuracy or completeness of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting this CFPB complaint to you today to inform that I will be filing a lawsuit against the Credit reporting Agencies. For the last 6 months, I have been disputing for the correction of my Credit report by having the disputed items removed from my Credit report and yet they have failed to do so. Also, the Credit Reporting Agencies have been claiming that the disputed items are verified and are accurate per the Creditors ' verification, however, no matter how many times I ask for the Credit Bureaus to send me copies of proof of verification, they do not comply! I have had enough of their stall tactics and I am working with my legal team to submit a lawsuit against the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to investigate the disputed items and present the results of their investigation after 30 days. Six months have passed and the Credit Bureaus have been sending me nothing! I am disappointed at the Credit Bureaus, the agencies whom I thought of the one willing to help us consumers is the one making our lives miserable. This will be last attempt to contact the Credit Bureau via CFPB portal and in the event the Credit Bureaus do not comply with the requests, please understand I am only filing a lawsuit to protect my consumer rights. If it is not too much to ask, please have the following items removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Using a computer to state they need to talk to someone here not identifying who or why.
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. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received 3 debt collection letters from XXXX XXXX XXXX XXXX for debts that were not mine. I called on XX/XX/XXXX and told the agent that those were not my debts and that they have the wrong XXXX XXXX. The agent asked me for my date of birth and the last 4 numbers of my social security number. I refused to give my personal information. I was told that they can not help me if they can't verify my account and they hung up. I called again only to get the same request for my personal information. I went to XXXX just in case the letter was a scam. I chatted with XXXX XXXX of XXXX XXXX XXXX and told her that the debt was not mine. Again, after 2 hours of communication with them and government agencies, I was told that I have to give my personal information including my phone number to verify the accounts, which are from 3 different banks that issued credit cards. I called Comenity Bank, which is one of the issuers, and they could only pull up my one account I have in excellent standing. Finally, after speaking with government agencies, where one suggested I send a certified letter stating that those are not my debts and not to contact me again, I called XXXX for the third time. I spoke to XXXX XXXX, who asked for my personal information, which I refused for the 4th time. I told him that the letter threatens to report the unpaid debt to the credit bureaus, so XXXX has to have the social security number in order to make the report and he won't get any personal information from me, not even my phone number. He finally gave me the last 4 of the person 's social security number XXXX and that XXXX XXXX opened the account with Comenity Capital Bank, XXXX in XXXX, had it a year, made a phone purchase with XXXX and defaulted on the payments XX/XX/XXXX. He also mentioned a couple of other purchases. I told him that it was not my account and neither were the other 2. He said that he would take my address off the list, but I don't believe him. I had this problem with XXXX in the past where I made a report on this same website. I am exhausted. It is unfair that I have to do anything if it is not my debt and I want everyone to be aware.
Product: Credit reporting or other personal consumer reports

Applied for payment extension in XX/XX/XXXX and tried to work with the company to expedite my request by making weekly phone calls. When the extension was granted in late XX/XX/XXXX they claimed the payment was late and reported to the credit bureau.
Product: Checking or savings account

I saw this business checking bonus offer directly from the bankofamerica.com website ( {$1000.00} bonus with $ XXXX deposit ) with the term : This offer is intended for new customers only ; you are not eligible for this offer if you were an owner or signer on a Bank of America Business Advantage Banking account within the last twelve ( 12 ) months. Offer expires on XX/XX/year>. 
When I applied the application, the promo code auto-filled, and the application was approved on XX/XX/year>. 
I used the live chat on bankofamerica.com webiste and chatted XXXX on XX/XX/year> to confirm if everything is okay with my application and she replied that the bonus code was not applied and told me to speak with the account specialist at XXXX ( Business customer service ). So, I called and had a conversation with XXXX about 15 mins. He was very professional and rest assured and told me that he will add promotional offer code " XXXX '' for ( {$1000.00} bonus with $ XXXX deposit ). 
After that, I deposited total of {$30000.00} on XX/XX/year> to meet the requirement which was keep {$30000.00} for 60 days to get {$1000.00} bonus. 
I waited and checked my account and still didn't see the bonus on my account as of XX/XX/year>. So I called XXXX ( Business customer service ) on XX/XX/year>, spoke with XXXX. She said that I can't get the bonus because I didn't meet the requirement and she also wondered what happened and agreed that I met the requirement, but there's nothing she can do with her power. 
Now I'm very embarrassed about this happening and so disappointed about it and this became too much stress for me. 
starting submitting a complaint to the CFPB, I will do everything I can to get the money I was promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number 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 15 U.S.C. 1681c ( a ) ( 5 ) Section States : 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: Credit card

On XX/XX/year>, I bought some pens from XXXX using my Apple Card by Mastercard. It came to a total of {$250.00} shipped. Ive bought this item before and had success. When the pens arrived half of them were in substandard condition unlike the other half. I tried to get a refund from XXXX and even disputed it on there, but I was unsuccessful. So I disputed it with Goldman Sachs, and I was unsuccessful with them helping for around 4-5 times. After this I came here to dispute as a last resort.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Experian and XXXX has submitted a debt on my credit without my consent, according to XXXX XXXXXXXX XXXX XXXX XXXXXXXX, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California XXXX, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and last date of activity was XX/XX/XXXX. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( XXXX ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX XXXX XXXX : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 


I have sent this complaint to Experian, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ditech bought the servicing on my loan in XX/XX/XXXX. Since then they have refused to report my payment history to the XXXX credit bureaus. Ditech wanted a re-affirmation agreement for the mortgage. I have provided this twice by fax and once by mail. When I call to find out if they have the document and are ready to report to credit bureaus, I get hung up on, or they ca n't find the document, etc. etc.
Product: Credit card or prepaid card

I had a payment agreement on two cards with Barclay 's Bank. In XXXX, I changed my bank account to another bank, and in my error, forgot to update that with Barclay 's. However, I was never notified from Barclay 's that this payment was no longer active and the accounts are now reporting as negative / past due. In fact, I'm receiving confirmations of the payment being due / scheduled each month still via email.

Additionally, the charging privileges on these cards were to be restored after one year of successful payments, yet, three years later, I'm still waiting for those privileges to be restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXX Date Opened : XX/XX/1997 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Per the Federal Student Aid website, interest is not supposed to accrue during SAVE forbearance. When I log into my Nelnet account, there is about $ XXXX accrued in interest. I emailed customer support to ask about this and their response was that interest is accruing regardless of the SAVE forbearance. I emailed them and sent them a copy of the Federal Student Aid website quoting there should not be any interest accruing since XX/XX/year>, but they refused to acknowledge this and provided no assistance whatsoever about it.
Product: Debt collection

I started receiving credit alerts from credit reporting agencies on or abou t   XXXX   XXXX   2017 reg arding negative actions. Once I researched I found a collection agency 'parked ' a medical collection to all  XXXX  of the major credit reporting agencies. The debt was for {$94.00}. Prior to the alerts I never received calls or mail notices regarding this debt. The company did not give me an opportunity to dispute the debt before 'parking ' the debt to the credit bureaus. Since I did not want the negative information on my credit file I paid the debt. After I paid the debt on    XXXX   XXXX   2017 the  company then sent me the notice of debt with the amount due and dispute language.   The company violated regulations improperly reporting the debt to the credit bureaus before notifying me and giving me the opportunity to dispute the debt.   The collection company wrongfully damaged my credit.   The collection phone # 's are  XXXX  and  XXXX .
Product: Payday loan, title loan, or personal loan

Personal Line approved for $ XXXX. After taking withdrawals and making timely monthly payments, account opened 2022, suddenly UPGRADE cancelled my credit limit and began to assess higher payment fees and interest citing a report from XXXX. 

After contacting XXXX ( see attached ) a victim of Identity Theft, the offending remark was removed from my credit reports. UPGRADE refused to adjust my credit line or restore my account to the original rate of interest.

Further, Upgrade Will not share any documentation with me providing any reason for these changes or accept my report of identity theft. Citing they do not have personal information to share with account holders. 

These are usuary high charges that are excessive and not justified under the circumstances. Request assistance to restore my account to its original rate of interest and credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two car dealerships that were not authorized to run my credit, I have the letters from the car dealerships and sent them to XXXX XXXX I have heard nothing from them and every time I try to send a letter it gets returned. 

XXXX AND XXXX did not have authorization to run my credit through XXXX XXXX, XXXX XXXX  needs to delete ALL hard inquiries off my credit report
Product: Checking or savings account

There was a transaction that was debited from my checking account on XX/XX/23 in the amount of {$85.00} by " XXXX '' and it should not have been. I disputed this charge with USAA and they gave my provisional credit. They asked for me to send info and I did but they claimed they never received it. On XX/XX/23 USAA reversed this charge with no further evidence.
Product: Credit reporting or other personal consumer reports

Representative informed me that my personal information was being used by other people and no solution or help was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of the law, and putting me at risk. You should not have this on my report due to items/the information does not include nor does it provide complete details on me, the consumer, which would put me in further at risk of identity theft. In order to be on my credit report, it should provide all of the following : name, address, social security number and/or date of birth. They do not. Beginning in XX/XX/2017, XXXX, XXXX and TransUnion will no longer include records of tax liens if there are not at least three identifiers : name, address and either social security number or date of birth. My tax liens do not include all three or four identifiers, Therefore the state tax liens should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this letter again to Experian to remove immediately the XXXX Account XXXX From my credit report I sent more than 50 letters to Experian to remove this account in which XXXX XXXX committed fraud to me as a customer and over 50 times Experian ignored my legal dispute By mail and by the consumer financial protection bureau I only sent 1 dispute to XXXX and XXXX And immediately both remove this account right away based on the proves I sent from the Federal Trade Commission Except Experian This account is affecting me negatively and keeping me away from renting an apartment No matter. How many proves I send to Experian They keep going in favor of the powerful and the rich I called more than 100 times And many of those times when I requested it about the dispute The representatives of Experian hang off the call or disconnect the phone call This situation got me in depressed state Which I make Experian responsible for my outgoing situation and my XXXX Seen how Experian favor XXXX XXXX after they committed fraud just because they are a powerful corporation and going against of the real victim of this big fraud and illegal practices I request this account XXXX account be removed it The problem of been poor is that corporation like XXXX are protected by Experian I sent plenty of documents with proof of the fraud and illegal activities committed by XXXX XXXX but even like that Experian favor the corrupt XXXX XXXX dealership The fraud is visible in the documents XXXX and XXXX accepted that was a fraud and remove this account from my credit report But I dont understand why Experian keep In favor of this corrupts of XXXX XXXX ? 
And keep saying we dont understand your dispute XXXX XXXX I make Experian Responsible for my deep XXXX related with the XXXX account I will tell all my family members who to blame for my problem
Product: Credit reporting or other personal consumer reports

I had student loans through student aidadvantage, and back in XXXX They were forgiven. it is still showing on my credit report as a delinquent account with a balance. The XXXX credit reporting agencies have the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX XXXX are reporting information on my credit reporting fraudulent accounts on my credit report
Product: Mortgage

On XX/XX/2023, the company run my credit without asking for my permission. It caused a hard inquiry on my credit report. I called the customer service to remove it ; they didn't fix it.