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

In accordance with the Fair Credit Reporting Act, it is stated in 15 USC 1681 section 602 that consumer reporting agencies, such as XXXX, XXXX and Experian, have a responsibility to exercise fairness, impartiality, and respect for the consumer 's right to privacy. As the consumer, I have the right to ensure that my private information is not shared. This is supported by 15 USC 6801, which emphasizes the obligation of financial institutions, including those that furnish information to credit agencies, to respect customer privacy and protect the security of their nonpublic personal information.

Additionally, 15 USC 1681 section 604 states that consumer reporting agencies may only furnish consumer reports in accordance with the written instructions of the consumer. As the consumer, I have not provided consent for XXXX, XXXX and Experian or the financial institution that furnishes information to credit agencies to share my information, and they do not have my written consent. Therefore, any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Moreover, as stated in 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer has been informed of their right to exercise a nondisclosure option. The financial institution did not inform me of this right. Furthermore, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including certain adverse information in consumer reports, unless authorized under subsection ( b ), which does not apply in this case. Therefore, the reporting of this adverse item without my permission violates the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX, XXXX and Experian are obligated to maintain reasonable procedures, as stated in 15 U.S. Code 1681e, to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. It appears that XXXX, XXXX and Experian are not fulfilling these obligations. 

Lastly, 12 CFR 1016.7 specifies that a consumer has the right to opt out at any time. I hereby exercise my right to opt out of your reporting. 

Please take note of my requests and ensure that my private information is not shared or reported without my consent. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have charge offs that are inaccurate and late payments that are not accurate and accounts that don't belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my identity theft. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and has gotten into the hands of the wrong person. This lack of concern as a consumer is unsettling and disturbing as it is no fault that my information was exposed/stolen. I ask that this matter be corrected and updated immediately because I have sent in the required paper work as requested now I need you to enforce the laws here to protect the consumer.
Product: Credit card or prepaid card

A company verbally told me a lesser fee *much smaller than they charged ( XXXX vs XXXX ) and gave no receipt, operates under no real name and has had a lot of these complaints over the past two years. 
I made two purchases in their store ( same day and time ) and one XXXX blocked them from the overcharge, and carefully researched and allowed my dispute, the second Discover Card did not. 

One researched carefully ( XXXX ) one did not ( discover ) or I wouldn't have two different outcomes on same fraudulent activities. 

Discover told me they were provided a signed receipt, I argue this is a fraudulent receipt because I didn't sign one.
Product: Prepaid card

I sent {$250.00} to Rushcard via XXXX this past Friday. After receiving my money my account said pending activation after a few days past I finally got in contact with customer service in Sunday. And my card was activated then I went to an ATM and my transaction was denied. My account now says XXXX balance but the deposit is showing in my transactions.
Product: Debt or credit management

To Whom It May Concern : I recently received a copy of my credit report. The credit report showed unfair credits acts by companies that I do not recall authorizing. I understand that they shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit 16 CFR 313 433. 2, 16 CFR 313 433.3, 16 CFR 433.1. Par the FCRCA as a federal protect consumer I am now opt-out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal and it is infective immediately and indefinitely stop reporting the utilization but keep it usage on the report par 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 6804, 15 U.S.C. 6805 I've listed the third party companies names They are a third party companies, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I want to be compensated for the violations {$1000.00} per violation and Pain And Suffering, Humiliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some hard inquiries in both XXXX  and equifax that are not mine, both companies refuse to delete them. I have contacted them several times by phone and certified mails and they just ignore me.
Product: Credit card

I had a credit card with Wells Fargo. I previously owed XXXX $ on it. I paid that off a few months ago. I thought I had paid off the entire debt but apparently owed XXXX $ in interest. This was not showing up in my online accounts as being still owed. Eventually I got a letter from Wells Fargo saying they were closing my credit card account and sending the XXXX $ which was now XXXX $ to credit reporting agencies. I have had about XXXX $ in my Wells Fargo checking account the whole time. I called Wells Fargo because my credit card account is still showing XXXX balance. The lady I spoke with said she was requesting this to be dropped. I got a letter about 2-3 weeks ago saying Wells Fargo had researched it and their information was correct. They were reporting it to credit reporting agencies. I called again today and spoke with someone who said he was going to remove the problem from credit reporting agencies because the debt of XXXX $ was based on interest. I do n't understand that. I asked why they did n't just pay the remaining balance from my checking account. He said that his department could not take payments from me. Nobody has offered to reinstate my credit card. I am very frustrated. Incidentally I also have a mortgage with Wells Fargo. I have been thinking of trying to refinance with a different company because I do n't trust or like Wells Fargo. Perhaps they are trying to make my credit worse so I can not refinance the loan, although they are so huge, there would be no reason for them to care about my measly XXXX mortgage. Please assist. I would like for them to reinstate my credit card.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt, in fact, therefore exist, ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX Balance {$670.00}, XXXX XXXX XXXX XXXX  {$1500.00}, XXXX XXXX balance {$980.00}, XXXX XXXX {$280.00}, XXXX XXXX XXXX XXXX {$160.00}, XXXX XXXX XXXX balance {$660.00}, XXXX XXXX XXXXXXXX balance {$55.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00}, XXXX remove these additionalfraudulent inquiries XXXX XXXX XXXXXXXX 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Product: Credit reporting or other personal consumer reports

Showing on all of my credit reports my name is being spelled with all caps and I'm not a business entity.My name should not be spelled with all caps only a business entity is spelled like that.So whatever account that I'm stating below should be removed immediately off my credit report because the lender made this error and it's against the consumer right laws XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Product: Debt collection

Please review previous complaint, case number XXXX, and current complaint, case number : XXXX. This complaint is related to these cases. 

I submitted a complaint against XXXX debt collection agencies, XXXX and Focus Receivables Management ( Case XXXX ) as well as XXXX XXXX XXXX ( XXXX ). I received a response from XXXX XXXX on XXXX XXXX, XXXX which is satisfactory. However, it does not look like the other debt collection agency, Focus Receivables Management, was included, so I am submitted another complaint against them. 

During an interview last month ( XXXX XXXX, XXXX ) with a federal agent to renew my security clearance with the federal government, I was made aware of negative entries on my Equifax credit report, specifically XXXX references to a XXXX XXXX account that is supposedly in collections. The dollar amount is similar to a previous case ( See my complaint, case # XXXX ) where a debt was mistakenly attributed to me and I was targeted by a collection agency. As you can see from the attached documentation and from the notes in the previous case, this debt was never mine and was eventually cleared ( supposedly ). In a letter dated XXXX XXXX, XXXX, the Collection agency stated that XXXX XXXX notified them that the account had been cancelled and removed. 

I am not sure the XXXX collections accounts listed on my current credit report are related or not. However, I have never been contacted by XXXX XXXX at any time, and I have never been contacted by a collection agency since this issue was supposedly cleared last year. The reference to it on my credit report is my only indication of a problem. I have already disputed both accounts with XXXX. 

This debt ( s ) is not, and never has been mine. I know nothing about it other than what I see on my credit report. However, now it is directly affecting my credit rating, and worse, it may potentially affect my security clearance and therefore my prospects for future employment.
Product: Debt collection

I am getting at least one email a day from Resurgent Capital services stating I owe from a previous debt and there has been a countdown stating how long I have until a possible lawsuit. 

This company also uses shady business tactics by hiding who his sending the emails by using a first name as the sender instead of the company, probably to trick people into thinking somebody they know is trying to email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid on time and paid it off but they saying i still owe
Product: Credit card

I was enrolled in a premium auto protection by American Express. There was a charge on my account that should have not been charge. They are stating they are unwilling to do anything as its a valid charge. I have tried to do everything to get this resolved and they have been unwilling to resolve the issue.
Product: Credit card or prepaid card

My Discover credit card, in good standing, was closed on XX/XX/2022 The bank claims that they were unable to verify my personal information within a set period of time, and can only open another card with them by applying for a new one. This has negatively impacted my credit by eliminating my oldest credit account. Since I still have a balance on this account, which has always been paid on time, my utilization is over 100 %. This was originally a secured card that had converted to an unsecured line along with a limit increase. I understand the importance of having accurate information for account holders, but the practice of random verification seems very strange considering the standing of my account and the fact that there had never been a report of fraudulant activity, or even a pattern that may be interpreted as fraudulant.
Product: Credit reporting

I disputed with the credit bureau regarding an insertion on my credit reports from XXXX XXXX who was collecting from XXXX different collection agencies at the same time while the amount of the debts were in dispute. I sent backup to the credit bureau and instead of investigating and not sending backup, they just left this insertion on my credit report. This was in dispute before it was placed on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has posted on my credit report that I was past due prior to them transferring the loan and servicing to XXXX. In fact though, I was still on automatic payments when that transferred occurred and Bank of America even transferred my last payment, it may have even been final two payments, to XXXX so there was really no way I was late with Bank of America, it's just really logistically impossible to indicate that it was late.
Product: Debt collection

I just logged on to a credit site to join and look at my report. I noticed something listed under " Deragatory ''. Looking further, I see a company, ( collection agency ), named " Syndicated Office Systems ''. XXXX or XXXX NY I believe. 
I went to check them out so I could get a phone number to call. 
I run across articles on how the Government just came down on them, and they were fined millions for what it appears has happened to me. Not making proper contact and allowing consumers to address any issue before it gets on their credit report. 

I was just amazed as they were in trouble in just 2015? 

So, a at age XXXX, I have XXXX bad item on my credit report. And get this, ... its for {$35.00}. Are you kidding me? 

Today was the first time I was aware it was there, and only because I went looking. 
I have never had any contact with these people. No letters, no calls, no emails, no work calls. 

What should be my next step or am I already included in the class action suit against them? 

Thank you so much. XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH 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 60 days 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.

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 XXXX
Product: Credit reporting or other personal consumer reports

Subject : Demand for Proper Investigation of Disputed Credit Report Errors To Whom It May Concern : I am writing to formally address Experians inadequate and sham investigation of the disputes I submitted regarding errors on my credit report. Despite providing detailed evidence and documentation to support my claims, Experian has failed to conduct a reasonable and thorough investigation, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

This letter specifically concerns the following erroneous items that remain uncorrected on my credit report : 1. XXXX XXXX XXXX XXXXXXXX 2. XXXX XXXXXXXX Your response to my dispute ( s ) demonstrates an egregious failure to comply with your statutory duty to conduct a reasonable reinvestigation. Experians apparent reliance on automated verification systems ( e.g., e-OSCAR ) without genuine review or analysis of my submitted evidence constitutes a sham investigation. This practice fails to meet the standard of a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Experians Failures Include : Failure to Properly Investigate : The lack of engagement with the supporting documentation I provided shows that Experian conducted a perfunctory and ineffective review. 
Failure to Correct Inaccuracies : The disputed items continue to appear on my credit report without justification. 
Failure to Comply with FCRA Requirements : Experians actions violate 15 U.S.C. 1681e ( b ) ( requirement to maintain accurate credit reports ) and 15 U.S.C. 1681i ( a ) ( requirement to conduct a reasonable reinvestigation ). 

Legal Action Warning If Experian does not resolve these disputes immediately, I will have no choice but to escalate this matter. Specifically : 1. Within 10 days, Experian must : Conduct a proper and thorough investigation of each disputed item. 
Provide a written explanation of the investigation methods used. 
Correct or remove the disputed errors from my credit report. 
2. If these conditions are not met, I will pursue all available remedies under the FCRA, including filing a lawsuit for : Actual damages caused by harm to my creditworthiness. 
Statutory damages for noncompliance. 
Punitive damages for willful violations. 
Attorneys fees and costs. 

This letter is both a formal dispute and a demand for immediate corrective action. Experians continued negligence and failure to act will result in further liability. 

I expect Experian to take this matter seriously and fulfill its legal obligations under the FCRA. Failure to resolve these disputes adequately and promptly will leave me no choice but to escalate the matter legally and notify regulatory authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed a payment and they report me as missed payment. this has affect my score a lot and hindered me from getting what I want. I need the late payment to be removed from XXXX XXXX credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to dealership to get funded for a car and they ran my credit too often. I was wondering if you can remove these inquiries.
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate my account after disputing it twice due to inaccurate information. The collection company did not have license to operate in the state and the account is labeled as open when it should not be
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a refinance loan on a property with Freedom Mortgage in XX/XX/2020. My credit report was pulled for the first time with my consent in XXXX. Three months later, due to completely unprofessional conduct in regards to proceeding with my loan application ( Covid slowed the process down by a bit, but not to the extent that mine was delayed ), the credit inquiry was close to expiring. On XX/XX/XXXX, I emailed the loan officer specifically about making sure my credit is not pulled a second time, and I was assured it wouldn't be. On XX/XX/XXXX it was pulled via Freedom Mortgage a second time, this was without my consent. Since XX/XX/XXXX, I've repeatedly requested to Freedom that this inquiry be removed from my credit report. They have not done so. ( At five months into the process on XX/XX/XXXX, I had no choice but to move on to a different lender, since XXXX still could not get to the point of closing the loan at the agreed rate and closing costs that I signed off on in XXXX, and it was clear that proper and respectful customer service was not a concern for them. ) Since it was pulled again in XXXX, my credit score has dropped 20-plus points due to that new inquiry. I was told by Freedom at the beginning of XXXX it would take 10 business days to remove. It's been over 50 business days, and after having yet another conversation with Freedom about it, it was clear it is not a priority to get it resolved, at my expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open case # XXXX. As of today XX/XX/22 they have not corrected the un justice that they have committed by notification to the credit bureaus that this mortgage was paid in full. They need tp report it to the credit bureaus Please. 
Thank you, XXXX Bless, & XXXX XXXX.