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

I sent dispute letters out in XXXX of 2023 and XXXX of 2023 asking to verify accounts and delete for violations of FCRA and metro 2 compliance standard. Investigations came back as verified and accurate. Updated credit report does not reflect the changes if any were made.

15 USC 1681 15 USC 1692g
Product: Debt collection

I have been making regular payments with the original client since the debt was turned over. The company continues to call me daily over a very small debt that has regular payments being made. 

I spoke with someone and said I was making payments but the calls persisted. I had to call and speak to a supervisor and explain the situation. I have since received phone calls attempting to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an actual payment of {$890.00}, opened on XX/XX/XXXX being reported by XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or XXXX XXXX XXXX XXXX XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and XXXX  XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXXata Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I was using Bank of America ATM machine to withdraw {$500.00} in {$50.00} bills and I only got {$300.00} in {$20.00} bills, I called their claims department to open a claim claim # XXXX and was told it may take upto 45 days to be resolved. A couple of weeks later, i got a letter saying it was resolved and no error was detected, I called the bank and dispute it and I was told that there was no error detected. After so much of emotional conversations after practically being accused of making false claims, they offered to submit another request to take a look at it and it got denied as well.
Product: Mortgage

I had filed an individual bankruptcy XX/XX/XXXX. I met all obligations and the bankruptcy was discharged XX/XX/XXXX. I notified the lender ( Greentree Services/Di-Tech ) via telephone regarding discharge, which they acknowledged receiving. To this date they still reference my bankruptcy on my mortgage statement and have failed to provide balances on my mortgage statement. When I filed my bankruptcy in XXXX XXXX they immediately made reference to bankruptcy on XXXX statement. What is so hard removing it from my mortgage statement. Additionally, I have called and asked for a pay-off of my first mortgage and they tell me I have to write a letter requesting this information. I should be able to obtain this info via e-mail or over the phone.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charged-Off Account Under FCRA 15 U.S.C. 1681s-2 I am writing to formally dispute the reporting of the charged-off account associated with XXXX XXXX XXXX  on my credit report. I have reviewed my credit file and believe that the information being reported is inaccurate, incomplete, or unverifiable. This letter serves as a request for the immediate investigation and correction or removal of this item pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which mandates the responsibilities of furnishers of information to consumer reporting agencies. 

Account Information : Creditor Name : XXXX XXXX XXXX Reporting Agencies : XXXX, Equifax and XXXX As outlined under FCRA 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information to consumer reporting agencies and promptly correct any information they determine to be inaccurate. Additionally, FCRA 15 U.S.C. 1681i ( a ) grants me the right to dispute inaccurate information and mandates that the credit reporting agencies conduct a thorough investigation of my dispute. 

Given the above, I am requesting that XXXX XXXX XXXX  provide the following : Documentation verifying the accuracy and validity of the reported information. 

Evidence that the account was reported in full compliance with all relevant laws, including the proper validation of debt as required under the FCRA and other applicable consumer protection statutes. 

Documentation of any and all communications regarding this account. 

If you are unable to provide the requested documentation, I demand the immediate and permanent deletion of this account from my credit file, as its continued reporting would constitute a violation of my rights under the FCRA. 

Please note that under the FCRA, failure to comply with the above requirements may subject you to liability for damages, including statutory damages, attorneys ' fees, and other legal remedies available to me. Should this matter require legal action, I am fully prepared to exercise my rights.

I request that you complete your investigation within the 30-day period provided under the FCRA. Upon resolution, please provide written confirmation of the actions taken regarding this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

{$600.00} of purchases from XXXX were bought on my XXXX card. But when I got a Pay Pal bill, via Synchronomy bank, I had also been charged by them. After a number of calls, a bank officer, very nice lady, called me and said they had foundf the mistake and would re-imburse me. She advised a cfredit of {$250.00} would appear on my next bill. I asked about the rest, and waas informed thesir company polic was {$250.00} max per reimbursment, but t hat t h e rest would be forthcoming. that was in XXXX. I have sent letters to e v ery address I discivered, and can't even get a call back or message of any sort. The amount may serem small, but I'm a partialy XXXX XXXX XXXX XXXX living on SS and a {$280.00} pension -- -it means a bit to me.
Product: Credit reporting or other personal consumer reports

Account 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

CACI, Consumers Adjustment, a debt collecting agency, has recently identified itself as a Creditor on XXXX XXXX 's 3 credit bureaus credit reports as XX/XX/XXXX and XX/XX/XXXX. 
Derogatory Information 1 Account XXXX XXXX XXXX Date Reported XXXX XXXX XXXX Creditor Name CONSUMER ADJUSTMENT CO - CONSUMER ADJ Status Closed Unknown Unknown Derogatory Information 2 Date Reported XXXX XXXX XXXX Creditor Name CONSUMER ADJUSTMENT CO - CONSUMER ADJ Derogatory Information 3 Account - XXXX XXXX Date Reported - XXXX XXXX Creditor Name - - CONSUMER ADJ CACI disclosed itself as a Debt Collection Agency on XX/XX/XXXX to XXXX XXXX. XXXX XXXX has never done any type of financial obligation transactions with CACI directly. CACI was attempting to collect a health insurance claim for Hospitalist Medicine Physicians of Texas, XXXX related to an Emergency Room treatment performed on XX/XX/XXXX and XXXX for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX of Texas, XXXX erroneously filed incorrect emergency room claims from XX/XX/XXXX to XX/XX/XXXX. Both claims have been settled as XX/XX/XXXX and XX/XX/XXXX. Hospitalist Medicine Physicians of Texas, XXXX is currently reviewing the case because I have asked them to withdraw the Credit Bureaus Debt Collection and Derogatory Information and to help me regain the XXXX points I lost in my FICO credit rating. CACI has renewed the debt information and listed themselves as Creditors. I request that all Debt Collection and Derogatory Information be removed from my credit reports to the 3 credit bureaus and that my XXXX points on my credit report be reinstated. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX CA XXXX CACI, XXXX XXXX XXXX, XXXX XXXX MO XXXX
Product: Credit reporting or other personal consumer reports

The information that is displayed on my report is not accurate causing me jobs.
Product: Credit reporting or other personal consumer reports

I have tried over the last XXXX years to get these accounts resolved on my consumer report with the XXXX credit bureau agencies and they keep saying the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are coming back as verified without any documentation. I sent letters of debt validations to each of the collections agencies and neither responded to the correspondence nor offered any proof that they legally owned the debt. These XXXX party creditors have not validated that they have the rights to own the debts after being given 30 days to respond as these debts have been written off and the original creditors have sold them to a third party without my permission. They are reporting these collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 

Please be advised that as of ( XX/XX/2024 ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. 

Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. They are charge offs reporting with a balance and negative late payments on these accounts. 
Starting XXXX  days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. 

If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have written all three of the credit bureaus and let them know there are names, addresses, phone numbers, and accounts that are not mine or inaccurate and should be deleted according to the FCRA.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX swear that the information below is identity theft and fraudulent, as a result of Identity Theft, as a result of XXXX XXXX XXXX. The derogatory information reflected in my credit report under my SSN. As a victim of identity theft and the XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have been impacted and I am demanding that the items be removed from my credit profile immediately. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within XXXX business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX. XXXX  XXXXXXXX XXXX XXXX XXXXXXXX : {$71.00} : XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX : # XXXX : {$2500.00} : XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX : {$750.00} : XXXX Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX : {$460.00} : XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$71.00} : XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : # XXXX : {$350.00} : XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : {$1600.00} : XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : {$77.00} : XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, 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. 





UNAUTHORIZED INQUIRIES : Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I get calls every few weeks weeks referencing a medical debt that is claimed that I owe. I do not owe this debt. It has been paid and I have the check image showing that it was paid and cleared my bank account on XXXX/XXXX/XXXX. There is now a collection item listed on my credit report as of XXXX/XXXX/XXXX for this debt that I no longer owe.
Product: Credit card

Have automatic payment scheduled payed on the XXXX. Was not entered until the XXXX. After payment posted and was not the full amount charged interest which put over limit and will be charged on next statement for XX/XX/XXXX and over limit fee plus additional interest and payment due amount. Tried to explain to them that they are doubling the amount of interest and fees but their excuse is they charge a daily interest if full amount not paid. This is fraud to charge after a payment made and to post payment after the date paid.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington, XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding XXXX XXXX failure to properly investigate an unauthorized ATM transaction on my debit card. Despite my timely fraud report, Capital One denied my claim, citing authorization/participation in the transaction activity. This decision is incorrect and unfair, as I did not authorize or participate in this fraudulent transaction. My card was NOT in my possession at all. 

Summary of XXXX : On XX/XX/XXXX, unauthorized ATM withdrawals occurred on my Capital One debit card. 
I promptly reported the fraudulent transaction to Capital One Despite my report, Capital One denied my claim, alleging that I authorized or participated in the transaction without providing adequate evidence. 

Failure to Conduct a Proper Investigation : Under Regulation E of the Electronic Fund Transfer Act ( EFTA ) ( 12 CFR 1005.11 ), financial institutions are required to : 1. Conduct a reasonable investigation into reported unauthorized transactions.

2. Provide provisional credit within 10 business days if the investigation is incomplete.

3. Notify the consumer in writing of the investigations outcome, including an explanation of any denial.

Capital One has failed to meet these requirements by dismissing my claim without a thorough investigation or presenting any evidence supporting their conclusion.

Consumer Protections Against Unauthorized Transactions : Under 15 U.S.C. 1693g ( EFTA - Liability of Consumer for Unauthorized Transfers ) : If a consumer reports an unauthorized transaction within two business days, their liability is limited to {$50.00}.

If reported within 60 days of the statement, liability is limited to {$500.00}.

If the bank fails to conduct a proper investigation, the consumer can not be held responsible for unauthorized transactions.

Since I reported this unauthorized withdrawal promptly, I should not be held liable..

I urge the CFPB to review this matter and take appropriate action to ensure that Capital One complies with consumer protection laws. 

Thank you for your time and assistance. I look forward to your response. 

Sincerely XXXX
Product: Debt collection

I have been receiving phone calls almost every day for the past 10 months regarding these bills I never paid, which I indeed have, and they keep coming up with false secondary charges/hills after I already pay XXXX off. And they constantly Harass me calling me during my work day and disrupting me, and do nothing to resolve this issue. They have yet to send me any itemized paperwork stating these bills are real.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$350.00} ( charge-off ) &  XXXX XXXX XXXX {$860.00} Both accounts were settled ... 

I challenge the accuracy, compliance and reportability of this listing. 
grave errorsfalse claim and reportingI want these accounts rectified or removed immediately or litigation may follow, F.C.R.A. violation. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Debt collection

I did not consent to, nor benefit from, nor authorize the following : BARCLYS BANK DELAWARE - Account XXXX ; Amount - {$7700.00}
Product: Credit reporting

I would like to complain about the Equifax credit reporting agency unnecessarily perpetuating a dismissed Chapter XXXX bankruptcy public record beyond the standard 7-year reporting period used by XXXX and XXXX and outlined in the Fair Credit Reporting Act. 

My bankruptcy was filed on XXXX XXXX, XX/XX/2008 and has been removed from both my XXXX and XXXX credit reports. Equifax, however, refuses to remove this nearly nine year old record. 

In my reading of the Fair Credit Reporting Act, I can find no guidelines that substantiate this punitive measure. In fact, there is no specific mention of Chapter XXXX bankruptcy in XXXX of the FCRA. Therefore, I believe a dismissed Chapter XXXX bankruptcy to fall within the limitations of all other negative entries and should be removed after seven years. 

I claimed my bankruptcy as a direct result of my loss of employment during the XXXX recession. I have since rebuilt my finances and would like to move forward. The negative effect Equifax 's faulty reporting has had on my credit score, however, is preventing me from obtaining a mortgage to purchase a home and thereby realizing a milestone in my financial recovery. 

I have provided my Equifax dispute confirmation number and attached the dispute results document to this complaint. 

Thank you for your time, and I look forward to speaking further with you on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 2 years ago I filed a chapter XXXX bankruptcy where my student loans were not forgiven. On the credit report with all three credit reporting agencies ( XXXX, XXXX, and experien ) refuse to remove bankruptcy on all my closed fedloan accounts. They claim the loan provider fedloan verified it was XXXX in bankruptcy. This is not true. My loans where XXXX through TPD from fedloan for being a XXXX veteran. I called fedloan numerous times and the have sent over proof they were closed due to XXXX but reporting agencies have continued to report bankruptcy. Im considering a class action lawsuit if not resolved. On a seperate complaint I have 18 hard inquires due to fraud they refuse to remove too