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

Action Financial Services LLC continues is a collection company that has continuously kept this on my credit report. I left the school who used deceptive tactics to recruit and promise an education when in fact they were for-profit using unqualified teachers/professors per article from XX/XX/2007, " the New York State Education Department reported deficiencies at the XXXX XXXX New York campus. The problems related to faculty qualifications and remedial course offerings. New enrollment was limited and the Education Department stated it would close the college if improvements were not made. '' Improvements were not rectified. I am disputing the loan with the Board of Education and was advised the process takes time.

The credit agency is threatening and is posting on my credit report when it should be removed after some years. They refuse to do so and are holding my credit report " hostage '' for payment threatening they will remove negative reporting only if I pay them. They are menacing and unethical practices are causing frustration, time, and unable to move forward. This has been harassment non-stop.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection BureauXXXX XXXX XXXX XXXX, DC XXXX Subject : Dispute Regarding Inaccurate Credit Reporting - Navy Federal Credit Union Account Dear CFPB, I am writing to formally dispute inaccurate and potentially misleading information on my credit report related to an account with Navy Federal Credit Union. I have attached supporting documentation to aid in the resolution of this matter and request your assistance in correcting or removing this information. 

Details of the Disputed Account : Creditor : Navy Federal Credit Union Account Type : Credit Card Date Opened : XX/XX/XXXX Account Status : Paid, Closed ( as of XX/XX/XXXX ) Credit Limit : {$1500.00} Highest Balance : {$1600.00} Issues Identified : There are 9 late payments reported, including instances of 30, 60, 90, 120, and 150 days past due. However, the account has been closed and marked as " Paid, Closed '' since XX/XX/XXXX. 

The payment history includes months where the status is unclear or inconsistently reported, as well as a lack of clarity regarding prior investigations noted in the comments ( e.g., " Completed investigation of FCRA dispute - consumer disagrees '' ). 

The account was closed at the credit grantor 's request, which I believe should not continue to negatively impact my credit, especially since the balance has been paid. 

Request for Resolution : I kindly request a goodwill adjustment to remove the late payments associated with this account, given that the account has been paid in full and closed. 

Alternatively, I request a thorough investigation to ensure that all reported information adheres to FCRA standards of accuracy, fairness, and timeliness. 

Supporting Documentation : Attached screenshots of the payment history summary, account details, and status updates as reflected in my credit report. 

Copies of correspondence with Navy Federal Credit Union regarding the closure and payment of the account. 

The continued presence of this negative information on my credit report is unjustly affecting my creditworthiness and ability to access financial opportunities. I appreciate your prompt attention to this matter and look forward to your assistance in resolving it. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Unauthorized charges and they would not let me stop payments for Unauthorized charges.
Product: Debt collection

Accepted as value / accepted for value and returned for value as consideration for settlement and closure of the account according to UCC 1-308, HJR 192, 1933, and U S Constitution, Article 1, Sect. 10.

Signed : Without prejudice UCC 1-308, Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/CBNA XXXX Charge-off There is no remarks that shows that this account is charged-off. Also the dates are reported inconsistently. Please delete this inaccurate report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 or prepaid card

In early XX/XX/XXXX 2020, after viewing my statement from Netspend XXXX I determined that my card ( and therefore my account ) had been debited without my authorization. There were several charges that were unauthorized that were posted on my account. Within hours of observing and determining that such activity occurred on my account I cancelled my card through Netspen XXXX website ( self service portal ) due to the fact that their customer service hours were severely limited. Furthermore, as soon as it was possible I made aforementioned bank aware of the unauthorized activity on my card and provided them with all information that I had with regards to aforementioned unauthorized charges. 

Netspend XXXX took some time investigating my claim. On XX/XX/XXXX aforementioned bank provided me with a provisional credit for about half of the amount that was charged un-authorized. Soon thereafter they informed me that the remaining charges were not in error and therefore would be credited. ( I assume when they state there was no error that they are claiming that the charges were authorized. ) They also stated that they would gladly send me the documents that they used to make this determination. I gladly accepted and request aforementioned documents. Subsequently, I requested these documents three more times and as of XX/XX/XXXX they have never been received. 

Subsequent to the XX/XX/XXXX provisional credit, I was informed on XX/XX/XXXX that the provision credits, ( which were about half of the total amount of unauthorized charges ) that was provided were mostly be reversed and that Netspend XXXX found that error did not occur. Once again no documents or information besides denial were given. 

Many calls to the organization end with my claim will be given to a specialists who can not speak on the phone ( back office. ) It appears that every attempt to seek further information or clarification on this matter is blocked. 

The charges that I informed Netspend XXXX about ( which were NOT authorized by me ) were infact unauthorized charges. Netspend XXXX while operating within the terms of their agreement with me, may in fact be in violation of Regulation EXXXX Therefore, it is demanded that Netspend XXXX review reconsider and change their determination with concerns to claim XXXX. 






Account No. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I have no knowledge of and I have inquiries on my credit report that were done without permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My credit report reflects a collection account owned by Jefferson Capital System, whom is not licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection.
Product: Credit reporting or other personal consumer reports

These inquiries was pulled with out my permission or consent. Please help me remove/delete. 
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  Under 15 USC 1681b , credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA 15 USC 1681Q-Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Product: Debt collection

I am writing regarding my CITI credit card account ( ending in XXXX ), which I opened on XX/XX/XXXX, with a credit limit of {$4000.00}. The account was closed on XX/XX/XXXX, and my last payment was made on XX/XX/XXXX. Despite the balance showing {$0.00} and no monthly payment required, the account is still reported as Derogatory and negatively impacting my credit score. 

As of the most recent report on XX/XX/XXXX, the accounts status remains derogatory with no clear explanation for the worst status noted as Unknown. I believe this is an error, as the account balance is settled, and no further payments are outstanding. 

Request for investigation : In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. I am aware that you are obligated to verify these items with the relevant creditor. Any information that can not be verified by the creditor should be expunged from my report. I am aware that, under 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/XXXX I checked my credit report to see a new account listed in collections from Midwest recovery systems with account originating from " XXXX XXXX XXXX  XXXX '' for the amount of {$280.00} that had been paid down recently by 12 % and is not {$250.00}. This was very suspicious because I've never even been to a XXXX XXXX XXXX store nor have I made any kind of {$30.00} payment towards a Payday loan. I checked online to see what the requirements were for application for a Payday loan and it was paystub photo id etc. So someone must have all these types of verification documents about me enough for the Payday loan company to approve the loan. Or this Midwest recovery systems company is doing something very shady and unscrupulous with my identity. What boggles my mind then most is : who what and where is the {$30.00} coming from to pay down the account?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX XXXX. This is a major disappointment. My rights under the Fair Credit Reporting Act ( FCRA ) have been abused. THIS COMPANY HAS BEEN SENDING ME THREATS. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Money transfer, virtual currency, or money service

In XXXX I made an accidental payment for XXXX XXXX with a card that did not have the balance which the card was my cashapp. It went through and over drafted my account, so I called XXXX and asked them on the XX/XX/XXXX to refund the payment. On the XXXX XXXX refunded the payment so I called cash app to see what is going on. They told me I had to wait still so I waited a big longer. They first said XXXX  days, then when I contacted again, they told me XXXX days. Then when I tried to ask what is going on, they claim I need to show proof for my account and denied my claim. Atm, they refuse to talk to me and keep giving me the run around. I have provided proof, and they still refuse to help me which now it's causing distress in my life.
Product: Credit reporting or other personal consumer reports

I sent a letter onXXXX XXXX XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again.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
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the credit bureaus XXXX XXXX XXXX Experian ) as well as the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ) and they are still reporting these inaccurate accounts on my credit report under the name XXXX XXXX XXXX. This is NOT my name and these companies continue to illegally re-age these accounts on my credit report. They also close the account and turn around and reopen the account. They also decrease the balance on the account by {$1.00} then turn around and increase the balance on the account by {$1.00}. The is against the law. 

According to the FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. 

XXXX XXXX XXXX services are repeatedly re-aging these accounts on my credit report. They are intentionally disregarding the FCRA 623 ( a ) ( 5 ) ( A ) law.

Also, according to 15 U.S.C 1681 law there should not be any damages on my credit report. This is defamation of character. Due to this, I am requesting {$1000.00} per month XXXX XXXX XXXX has damaged my credit profile with this inaccurate information. This has been reporting inaccurately on my credit report since XX/XX/2021. I am willing to settle this for {$15000.00}. I expect this to be resolved in 10 days of this complaint.
Product: Bank account or service

PayPal sent my negative account balance to collection despite me making regular payments towards it. At the end of last year, a chargeback sent my PayPal account negative. It was {$1300.00}, large compared to the transactions I generally process through Paypal. Throughout XX/XX/XXXX and XX/XX/XXXX, I made regular payments toward this balance- over {$700.00} worth in fact- and I have been continuing to make payments. I received a letter from a collection agency demanding about {$100.00} more than my account is currently negative! PayPal Account ID : XXXX
Product: Checking or savings account

I have been banking with Chase at XXXX NJ location for 20 years- both checking and savings accounts. I received a call a couple of days ago, XX/XX/2023, from the bank notifying me that my savings account is inactive due to no activity for over 6 months even though I have an electronic monthly transfer from my checking to savings. I was told that it is not considered an activity. To reactivate the account, I have to go into the bank personally to do it. How stupid are these banks these days. I thought we are all moving towards the electronic era, instead we are moving backwards in terms of banking. This becomes a pain having to manually do transactions on the account periodically even though I have another account that is active and have active transactions ( eg ATM, Deposits and withdrawals ) Call up the bank manager and was told this is the New Jersey State law and this regulation has always been in place. If that's the case, I would have gotten notification on the savings account many years back. Is the bank trying to get their customers to personally go in and at the same time try to market their new products?
Product: Credit reporting

Company " Carter -Young INC '' is listed on my XXXX report under collection but is reflecting closed as of XX/XX/2014 reporting XXXX balance. Please remove this item as this is not reporting correctly and has caused multiple credit denials and delays with credit. Upon careful review I noticed I did not have a debt with this company ( No Contract ). It appears you are a collection company, please provide my signature of ownership of this debt that is currently listed with a balance of XXXX with a closed status. Please remove this as this is reporting false.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Equifax Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal

of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 21 credit inquiry/inquiries that I did not authorize.

I writing to dispute the following inquiries and asking for their removal from my credit report. The inquires, and proof of my identification, and address is below all of this. 

XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX   XXXX XXXX Inquiry from XX/XX/2019 XXXX - Card Service Inquiry from XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX  XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX  XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX, XXXX Inquiry from XX/XX/2019 XXXX   Inquiry from XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX  XXXX, XXXX  Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX  Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX  Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX Account # XXXX XXXX accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX  Account name 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/year> XXXX Credit Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : XXXX to XXXX. Formal Dispute and Demand for Compliance with Consumer Protection Laws To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companys failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against XXXX for engaging in sham investigations and failing to properly address consumer disputes. 

It is unacceptable that XXXX, as one of the largest credit reporting agencies, continues to violate the rights of consumers under federal law. I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. Failure to do so will result in further action, including filing a complaint with the CFPB and pursuing legal remedies. 

Below, I cite three key federal laws under **15 U.S.C . ** that XXXX is legally obligated to comply with : 1. **15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. XXXX failure to remove or correct such information violates this provision and harms my creditworthiness.

2. **15 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. XXXX sham investigations and failure to properly address disputes demonstrate a blatant disregard for this legal obligation.

3. **15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. XXXX pattern of conducting inadequate or sham investigations, as highlighted by the XXXX.