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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a credit card with XXXX. They kept upping my credit limit and charging me XXXX every time without me asking them to. Then, I made a payment at XXXX XXXX on due date and they said it was late because it was after the business day ended. They charged me a late fee which made me over limit and charged me an overlimit fee. I refused to pay and they closed my account but charged me late fees and overlimit fees for 12 months. Account was bought out by Midland Funding XX/XX/XXXX. They began sending me settlement letters telling me if I took the deal, they would reverse my Interest charges. I called and they would not send me a contract in writing saying that fees would be removed, so I told them I was not paying. They began calling me up to 5 times per day even though I told them I knew they could only call once. After I threatened to sue, they stopped calling my phone and started calling my parents house and sending letters there. They had my confirmed address and phone number so this was also a violation. I had to call them again and asked them why they keep contacting my parents. I am XXXX years old and married with XXXX kids. I have never lived at the address my parents live at, and I have never used it for anything. They said that they never got any reply to the letters they sent me so they sent them there. The last letter they sent was on XXXX XXXX, XXXX. I called on XXXX XXXX, XXXX. They denied making calls and told me I could not prove it. They said the last record of a call is XX/XX/XXXX. That is a lie.
Product: Credit card or prepaid card

Per the attached I was charged {$150.00} sales tax, per the attached the State of Florida has a one year tax free holiday on appliance purchases. Merchant is aware of this. Merchant has NOT provided the appropriate credit.
Product: Credit reporting or other personal consumer reports

I give Equifax permission to proceed with this complaint. I have checked my credit report and have found that there are accounts that was reinserted in my credit profile after being previously removed. I stated and provided ID theft report and police report that it did not belong to me. Also address not mine and they have yet to be removed. FTC Report Number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

To whom it may concern : 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. 
XXXX  Account # 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 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.

Account of concern : XXXX XXXX  ( Collection Account ) Reported on Transunion credit report bearing account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to  XXXX , TransUnion  &    XXXX   in regards to verifying the reported Bankruptcy  XXXX  account  Case  or ID #  XXXX .   XXXX   and Transunion has not responded on this dispute and it has been over 45 days.  XXXX  sent me a letter that stated that they verified the reported Bankruptcy through a  3rd party, which it is my understanding that this is a violation on my rights based on the current consumer protection laws. ( I have attached their letter ) ironically in that same letter they ask me to call the courts directly and confirm that the account is correct. So I called the bankruptcy clerk and they indicated that they do not confirm any account with any 3rd parties. Therefore, how is it that  XXXX  feels that they can use a third party and  not even be sure on the information they are reporting? It is not right and its unfair to me.
Product: Vehicle loan or lease

Walked into dealership wheels of Chicago XXXX XXXX XXXX XXXX XXXX XXXX XXXX management refused to take back vehicle and refusing to give me truth and billing statement for my vehicle wont provide me with legal documents of my vehicle instead have my a retail installment contract
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There a multiple accounts and inquiries that I didnt authorize or give permission to open on my name. Student loans, car loans and credit cards.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of thewrongperson.|
Product: Credit reporting or other personal consumer reports

I want to make it clear that this is not my account, and Ive never had any dealings or connection to it. However, its showing up on my report and affecting my credit score in a way thats completely inaccurate. This is clearly a case of mixed information, and its crucial that it gets corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, 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
Product: Debt collection

On XX/XX/year>, I was contacted by a debt collection agency under a new name via email. I had never given this company my email address nor authorized them to contact me through this medium. This is the first time they have used email to reach out to me, and I was surprised and distressed by this unsolicited communication. 

The email was sent by Transworld Systems Inc and appeared to be related to a debt I may or may not owe. However, I would like to note that the debt in question is old, and the statute of limitations for collecting this debt has passed. According to the law, this debt is no longer enforceable, and the collection agency has no legal grounds to attempt to collect on it. I believe the collection agency is violating my rights by trying to pursue this debt after the statute of limitations has expired. 

Before this incident, I had no prior interactions with this company, and I did not have any expectations that they would reach out to me via email. I did not give consent for them to use this form of communication, and their contact via email has caused unnecessary stress and confusion. 

I have not yet requested that they stop contacting me, but I am making this request now, and I want them to cease all communications with me, particularly via email, since I never gave them permission to contact me this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  {$380.00} XXXX  XXXX {$630.00} XXXX {$910.00} XXXX  XXXX  XXXX  {$250.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  {$380.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX  XXXX  {$910.00} 15 U.S.C 1681 Section 602 A states I have a right to privacy.

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

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days past due on the DPT ED/XXXX and US DEPT OF ED accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Student loan

I no longer have access to this information since they moved my account to Aidvantage. I only have a copy of payment ledger. My payments also did not lower my loan totals from what I paid.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

On my capital one 360 log in for online banking I have two credit cards that were charged off and I have not been able to remove from the online banking page.
Product: Debt collection

I got a small loan from money messiah it was less than a {$1000.00} over the course of the loan the lender got over {$2500.00} directly taken out of my checking account. I request that this lender be investigated due the constant harassment of clients and sending customers to collection agencies when they have collected more than 2000 % of what they have already lend to the customer. The company is engaging in predatory lending habits to the customer. I request that XXXX XXXX be investigated due to the lending terms are predatory to anyone and also any collection agency that it sends to the collection agency to ruin a customer when they have received more than 2000 % percent back in payment. They have engaged in constantly debiting an account without the customers consent and refuse to return the customers money back as they have been informed on more than 50 occasions. I now have a company by the name of Midwest Fiedlity Services that is now apart of this predatory lending institution system trying to ruin customers who have paid more than 2000 % percent back to the lender. I am requesting immediate investigation into Midwest Fidelity Services and also XXXX  XXXX for predatory lending and abuse of the Fair Credit Lending Act.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: 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. 
XXXX  Account # XXXX, has violated my rights. 

LIST ALL ACCOUNTS HERE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Please remove all non-account holding inquiries over 30 days old. 
* Please add a XXXX XXXX to my credit file. 

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 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: Credit card or prepaid card

I made a purchase with Victoria 's secret credit card which was issued by comenity bank. I was paying balance on credit card every month. Finally I paid what was left in full and get the another bill for {$2.00} finance charge. When I called I was told that previously month I had a balance and that's why finance charges were assessed. According to that logic I will always have balance regardless if it is paid in full. I was told that it does not go indefinitely ( lucky me ) but you have to pay balance in full for 2 consecutive months!?
Product: Checking or savings account

I am writing to complaint about the unexplained and abrupt closure of my JP Morgan Chase Bank after 7 years of being a customer. JP Morgan Chase Bank closed my account without any explanation and I believe this action is punitive and discriminatory. I am writing to appeal to the good office of the CFPB to please investigate this matter, especially in light of the accusations making rounds in the media of JP Morgan Bank closing accounts of customers due to their political affiliations. 

In my case, there was no reason for the account closure as the account has operated the same way it has been operating for over 7 years and there has been no issues. All attempts to request information from JP Morgan Chase Bank on the issue has proven null as they have refused to explain their reason for closing the account. I believe this is an attempt to de-bank a demographic for discriminatory reasons, as there is no explanation from JP Morgan Chase for the reason for their action. This action by JP Morgan Chase Bank will cause severe financial hardship to my person and others similarly affected by their action, as our bank accounts are our primary financial accounts and going about our financial lives without a bank account would prove very difficult. 

I am appealing to the justice of the office of the CFPB to please intervene in this case. It is also worrisome that there is a rising trend of unexplained bank account closure which others have associated with bias in the artificial intelligence algorithms of banks like JP Morgan Chase Bank XXXX XXXX, leading to unjustified closures of customers account. 

Thank you
Product: Debt collection

This is from XXXX originally. The amount in XXXX of 2010 was less than {$150.00}. 
It is now 7 years old, EOS XXXX has illegally changed the date.
Product: Debt collection

In XX/XX/XXXX after numerous calls, I agreed to make monthly payments to midland credit management even though I told them I couldn't afford it, but I was afraid they would have tried to sue me for my stimulus check that was on its way during that time, and it also didn't help that their letter was threatening legal action against me if I didn't respond. So, I agreed to XXXX dollars a month for each account the XXXX and XXXX midland bought this account from XXXX  XXXX as collateral. I tried paying those payments but I couldn't, so I stopped. As a result of not being able to pay ; midland is now XXXX  the credit report system by reporting each account twice a month. The first report was on XX/XX/XXXX, and the second was on XX/XX/XXXX, XXXX midland tactics are abusive. my credit score went down 4 points as a result of their XXXX I currently owe the dept of education XXXX how in the world would midland think I could afford to pay them. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal student loans have been transferred several times amongst 3 creditors. AES XXXX, Dept of Edu, DEP ED XXXX. Each They currently reside with XXXX. On my credit report the student loan accounts are listed under each creditor therefore showing my debt as tripled. They are also showing as collection accounts under each, when they are not in nor have they ever been in collections, but were just sold or transferred to another creditor. When I contacted each of these creditors they confirmed that my students loans has been either transferred or in good standing. However, no proper correction or update was made on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opted to use a Buy Now Pay Later Loan for a security system through Affirm. I had the money to pay for it, or I could have put it on a credit card. I researched this lending company, and it said that if you make payments responsibly, it will not effect your credit. My credit dropped XXXX points, because they reported this " loan '' of about {$200.00}. I've had excellent credit my entire adult life, and it has taken a huge hit and been dropped to a lower category, because of this shady company. It didn't just say it once, it said it over and over and over again. Will not hurt credit. Will not hurt credit. This type of predatory lending should be illegal.
Product: Debt collection

The number getting the calls is a work phone ; I do not use it for personal business and it is registered to my employer. I do not have any debt associated with this number. 
I have received multiple phone calls from a company called " Portfolio Recovery Services '' and the caller uses a variety of phone numbers. Since I do not recognize the number I let the call go to voicemail and they do not leave a message. 
The numbers calling me include : XXXX XXXX XXXX XXXX XXXX XXXX