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

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX XXXX  ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I sent XXXXXXXX XXXX from my XXXX XXXX account to my wife 's XXXX bank account. Bank of America is an intermediate bank in this XXXX transaction. I found out that my money was stopped there for verification. And only after 16 days I received a request from XXXX XXXX to provide additional information about my wife such as ( first name, last name and date of birth ) by the way this information is in the description of the payment. I provided the information the same day. Today is already XX/XX/year> and the money has not yet arrived on my wife 's account. And for all my requests to XXXX XXXX support, to provide me with information about the reason for the delay, why so long and constantly made these checks, I get only standard answers, such as we will check, we find out, we will report, etc. 
I have no possibility to contact Bank of America directly, that's why I ask you for help to get my money as soon as possible. This is by the way not the first time they do this, and each time I hoped that this is the last time, but I can no longer tolerate such an attitude. 
I would like to ask to initiate a full audit of Bank of America, what is happening looks like illegal financial manipulation. I think they're making money off my money.
Product: Credit card or prepaid card

I applied for an AMEX Starwood Preferred Guest Business Card on XX/XX/XXXX ( credit card number ending in XXXX ). The card had a welcome bonus offer of XXXX SPG points if {$6000.00} was spent on the card within 90 days of account opening and an additional XXXX SPG points if {$10000.00} was spent within 6 months ( for a maximum welcome bonus of XXXX points ). I met the {$6000.00} spend requirement for the first XXXX points inXX/XX/XXXX, but I was never credited the XXXX points I had earned. I contacted AMEX in XX/XX/XXXX inquiring about the points and was advised that I had earned the points and that my account would be credited shortly. I also hit {$10000.00} in spend within the 6 month requirement and I have not been credited for the additional XXXX point bonus either. Actually, none of the XXXX welcome bonus points that I earned by meeting the spend requirements has been credited to my account. I have contacted AMEX repeatedly for more than 5 months and I have been told they still are investigating the matter and as of today they still can not give me an answer. I started saving copies of our online chats afterXX/XX/XXXX which I will attach for your review. I no longer have any confidence that AMEX will ever take care of the problem after more than 5 months trying to resolve it with them directly. Any assistance you can provide will greatly appreciated.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 at XXXX XXXX, I was sent an email by opp loans that said my loan was late. I promptly called them and told them that I have either paid early or let the system take the payment on time. I have always called prior to making an early payment without a problem. I talked to XXXX the supervisor as she was working from home and she said the system didn't record my payment and some employees recorded an arrangement for late payment on my account without my permission which is false and I want this investigated promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX acct # XXXX **** 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notified this company, Transunion Consumer Solution, about the incorrect and inaccurate information reporting on my credit report, I've asked for an investigation, verification, and validation of this alleged debt. My request has been ignored several times and no investigation has been done to ensure reporting at 100 % maximum accuracy. This company has violated several of my consumer protection laws. Saying the debt is valid but not providing any proof that the unknown accounts are verified. In addition, I've requested the method used to supposedly verify theses accounts and have not been provided with any information. My request continue to be ignored. This has cause a tremendous strain on my credit health, causing me to continue being denied credit for false reporting reasons. Please help me resolve this matter immediately as I have tried several times to handle this matter. 
Dates : XXXX accounts updates, so they were reporting incorrect to begin with XXXX alleged verifiecation XXXX reporting incorrect XXXX no response to dispute XXXX no response or action taken XXXX still reporting unknown accounts
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Harvest credit management and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Ct file No. XXXX Dear Harvest credit management vii , llc. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am responding to your contact about collecting a debt. You contacted me by mail on XXXX XXXX and identified the debt as Harvest credit management bought this account from XXXX and XXXX auto loan .I do not have any responsibility for the debt youre trying to collect. The statue of limitations applies to this debt, therefore, I do not owe anything. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Debt collection

NATIONWIDE CREDIT ALREADY SAW THE ATTACHED CALLS IN PREVIOUS COMPLIANTS AND REFUDES TO CLEAR THIS MATTER UP AND REMOVE HARD INQUIRIES FROM XXXX, WHERE THEY PULL MY CREDIT TWICE IN ERROR.
Product: Debt collection

This debt collector hasnt reached out to me personally, but instead has reached out to a family member about my account via text 3 times. Has shared my name, amount owed ( {$800.00} ), and also my account number. They have not called my phone, emailed me or texted me about any of this.
Product: Credit reporting or other personal consumer reports

I am writing to provide a summary of the issues I have encountered with Experian, as requested. For privacy reasons, I have excluded personal information such as my name, account number, address, and Social Security number. 

On XX/XX/2023, I engaged in a conversation with XXXX representatives from Experian XXXX identified as a manager and the other as an agent in the fraud department. During this discussion, I raised concerns about the verification process of the information on my credit report. The agents were unable to provide details on how the data was verified and asserted that Experian is not obligated to furnish such information. This lack of transparency has led to allegations of negligence and noncompliance. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to maintain accurate and verifiable information. Despite my request, Experian has failed to provide any documentation, such as a consumer contract with my signature, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). The conversation on XX/XX/2023, left me with the impression that Experian may be intentionally reporting inaccurate information on my credit report, a clear violation of my right to fair credit reporting. 

As outlined in my previous letter, I have informed Experian of my intent to pursue legal action under FCRA provisions, seeking relief and monetary damages. In this correspondence, I am demanding the immediate removal of specific accounts from my credit report due to continued violations of the FCRA. 

The listed accounts include billing errors and inaccuracies that have significantly damaged my credit score. I have attached a copy of the letter sent to Experian, outlining the reasons for these demands. I have also notified Experian of my intent to file a formal complaint with the Federal Trade Commission and use the provided information as evidence in pending litigation. 

I am reaching out to you to bring this matter to your attention and to request your assistance in ensuring a thorough and expedited resolution. The situation is of utmost importance to me, and I am prepared to take further legal action if necessary.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding your companys erroneous reporting of an account that has been charged off as bad debt and sold to another debt collector. Despite this, One Main Financial continues to report a balance on the account, which is misleading and damaging to my credit profile.

This action violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as outlined below : FCRA Violation ( 15 U.S. Code 1681s2 Responsibilities of Furnishers ) As the furnisher of information, you are required to ensure that all data reported to credit bureaus is 100 % accurate and complete.

Reporting a balance on an account that has been charged off and sold is inaccurate, as you no longer own the debt. This misrepresentation creates confusion for creditors and negatively impacts my creditworthiness.

FDCPA Violation ( 15 U.S. Code 1692e False or Misleading Representations ) Under the FDCPA, reporting a balance on an account you no longer own constitutes a false and misleading representation of the status of the debt. 
Creditors and third parties relying on this information are being misled, which is a direct violation of the FDCPA. 

Misleading and Inaccurate Reporting Your failure to update the status of this account after selling the debt is deceptive and misrepresents my financial obligations. This error is both unlawful and detrimental, as it artificially inflates my outstanding debts on my credit reports. 

To Add, there are many inaccuracies in the reporting of the alleged debt on my credit report from one main.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete the following accounts, addresses, and inquiries listed below : EXPERIAN : Addresses : - XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX Accounts : - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX : XXXX - US DEPT OF ED/XXXX XXXX  XXXX - XXXX XXXX : XXXX Inquiries : - XXXX  XXXX : XX/XX/XXXX - XXXX XXXX  : XX/XX/XXXX - XXXXXXXX XXXX XXXX  : XX/XX/XXXX - XXXX XXXX  : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX  : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX  : XX/XX/XXXX - US SM BUS ADMIN ODA : XX/XX/XXXX
Product: Student loan

steered into forbearance and deferment while accruing capitalized interest ; Navient failed to properly provide basic accounting counseling.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 13 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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: Debt collection

XXXX XXXX XXXX had an outstanding debt for {$710.00}, which was news to me. I learned this information in XXXX XXXX and further found it to be true when I located it on my credit score. 

Having disconnected my account with XXXX XXXX XXXX in XXXX XXXX when I switched to cheaper rates with XXXX XXXX, I decided to investigate the claim XXXX - In contacting XXXX XXXX XXXX, they told me that I had a delinquent bill on XXXX XXXX, XXXX and reiterated an amount of {$710.00} ; however, they were unable to provide me with physical proof of said bill as the finance department can only send a hard copy of an account 's bill to the address on record, which, they told me, was in XXXX. Having never XXXX lived in XXXX, I found this quite odd - and, furthermore, I was unable to acquire the exact address ( as they can only verify the address and not actually tell me what they had listed ). 

So, right off the bat, I 'm prevented from receiving a physical copy ( in any format ) of the actual, original delinquent bill for which I 'm being charged. Personally, I was curious how a phone bill could reach {$710.00} without being shut off, but, having a claim against me, first and foremost I would like to view the claim and its details. This, according to XXXX XXXX XXXX, is impossible for me. 

Therefore, I find this claim to be fraudulent as it is n't quantifiable in the any physical way ; though it does n't end there ... 

XXXX - I tracked the creditors that have since purchased this specific debt, which includes XXXX in XXXX XXXX and XXXX XXXX in XXXX XXXX. Neither of these credits felt obligated to contact me XXXX or, they contacted the mysterious XXXX address to which the bill belonged XXXX ; on top of that, they changed the total of the debt from {$710.00} to the obligatory amount of {$840.00} XXXX for their hard work, I presume ). 

XXXX the final knife in the fight, AFNI has been in contact with me since XXXX XXXX, offering a settlement to a debt I had n't been aware of. They seem to be the XXXX in the bunch to actually locate me and inform me of this debt, though I 'm not even certain that I am the XXXX XXXX they 're looking for, as I can not get a hard copy of the original bill and debt - presumably because that debt belongs to someone that lives in XXXX. 

I find everything about this debt to be fraudulent, from the fact that I can not see a copy of the bill and its contents adding up to such a massive sum for a phone bill, to the numerous negligent creditors that have tossed the bill around, to the final creditor that has placed it on my credit score XXXX as of XXXX XXXX, XXXX years after the supposed debt was accumulated ) and offered settlement. There is a massive negligence in the way this account and its debt has been handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$12000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, nc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent to XXXX XXXX, and Experian regarding inquiries on my credit report that I do not recognize. The letter was sent XX/XX/2020. I have not received a response as required by law. Please remove fraudulent information as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports alleged medical debt that is less than XXXX year past due. 
The legal definition of medical debt is debt that arose from the receipt of medical services products or devices.

I was forced to receive medical services products and devices. Thats the alleged medical debt.

It is irrelevant as to how medical debt is financed its only relevant whether it arose from the receipt of medical services.

Per law Medical Debt can not be reported on the credit report until is at least 365 days past due. XXXX continues to be in violation of this law. 
Please see attachments for the legal description of medical debt. 
XXXX failed to respond my Better Business Bureau complaint about the ledge medical debt. 
I do not want XXXX to disclose any information other than information about the medical debt and how its going to be rich move from my credit report.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, XXXX and Transunion multiple times and they are refusing to remove or block accounts that are not in my name. I have sent FTC reports, drivers license and social security cards that show that the information does not match and are in someone elses name. All three bureaus stated that they didnt receive the documents and after I pressed the representative to look further, he says that he has them however, they are not valid and wont explain why they are not valid. I am demanding that every account that is not in my accurate name be removed immediately. The next step is me contacting the attorney generals office as my rights are being violated. I have been fighting with them for this for months. They continue to say that the company says that it is me with the wrong name. All three bureaus are violating my FRCA rights.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Upon reviewing my TransUnion credit report [ file # XXXX ] I found that the report showed that TransUnion had provided my credit file information to XXXX parties, XXXX ( " XXXX '' ) and XXXX ( " XXXX '' ). After a review of Fair Credit Reporting Act, 15 USC 1681 et seq ( " FCRA '' ) I am unable to identify any valid permissible purpose that either XXXX or XXXX would have to obtain my personal credit file information from TransUnion. 
Despite my written request XXXX and XXXX have both failed to identify a permissible purpose authorizing either of them to obtain my TransUnion credit file. 
I sent a letter to TransUnion ( see attached XXXX Letter to TransUnion ) requesting that it identify the specific permissible purpose that XXXX and XXXX each certified to TransUnion as well as the date of that certification ( assuming there was any certification provided to TransUnion ). TransUnion responded with a generic " Explanation of the Inquiries on Your Credit Report '' ( see attached TransUnion Response ). TransUnion failed to claim - as required by the FCRA - that either XXXX or XXXX certified to TransUnion that they had a permissible purpose or that TransUnion had reason to believe that it had a permissible purpose to provide those requester my credit file information.