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

I have been reviewing my Credit Report and noticed that the Credit Bureaus continued reporting the unauthorized inquiries without sending me any proof of verification. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, XXXX is required by the FCRA to follow up with the creditor. I need the following inquiries deleted completely from my Credit report as soon as possible! 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX
Product: Bank account or service

hello i am a college student that started my own business to help pay for my education i opened an account with suntrust bank which was the biggest mistake i ever made they have hit me with so many overdraft fees that are not legit when i spoke with a rep she promised me it will be removed they still are showing that i owe it and no one would help my account number is XXXX it has been a nightmare with this bank all i want is to clear this matter out and get away from them i have my account with XXXX XXXX XXXX nothing like this ever happens
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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. XXXX 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.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate and misleading information appearing on my credit reports, generated on XX/XX/year>. Pursuant to 15 U.S.C. 1681o, I am holding the furnishers and credit reporting agencies accountable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), which has resulted in unjust harm to my creditworthiness.

I am disputing the following accounts due to inaccurate, unverifiable, or misleading reporting that negatively impacts my credit. XXXX XXXX XXXX account ( Account # XXXX ) is reported as at least 120 days past due with a past due amount of {$1300.00}, yet it contains erroneous late payments and balance inconsistencies. Under FCRA, the furnisher must provide verification or delete the inaccurate information. XXXX XXXX XXXX XXXX account ( Account # XXXX ) is listed as closed with XXXX late payments, yet these late payments are inaccurately reported. If XXXX can not verify the accuracy, this record must be corrected or removed. XXXX XXXX XXXX account ( Account # XXXX ) is marked as closed with XXXX late payment, but the report contains unverified negative payment history that should be removed. 

Under 15 U.S.C. 1681o, a consumer reporting agency or furnisher is liable for damages if it fails to comply with the FCRA due to negligence. My disputes are based on violations including failure to maintain accuracy under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the accuracy and completeness of consumer credit files ; failure to investigate under 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation within 30 days ; and failure to provide verification under 15 U.S.C. 1681s-2 ( b ), which requires data furnishers to provide complete and accurate information or remove unverifiable items.

I request immediate removal or correction of the disputed negative accounts if they can not be properly verified. I also request a detailed written response within 30 days outlining the investigation findings and compensation for any damages caused by negligent reporting, including financial hardship and credit score impact.

I request that the Consumer Financial Protection Bureau intervene to enforce compliance with the FCRA and hold the reporting agencies and furnishers accountable for negligent noncompliance. I expect a written response within 30 days, as required by law. Please confirm receipt of my dispute and provide me with updates on the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to equifax via fax they received my transmission on tuesday XX/XX/2019 at XXXX XXXX ( i included the fax success transmission as proof they received my dispute letter ). I never got my results of the dispute in the 30 days or their process they are violating the FCRA. XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX XXXX/XXXX  08 XXXX XXXX  its been over 60 days Since these items were not verified at all and they didnt complete their investigation and send me the results i ask these items be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian credit reporting agency to dispute three inquires that are fraud because i never request them. Two of them thru XXXX XXXX were done on same day XX/XX/2022. The other from XXXX on XX/XX/2022 they were never requested by me Fraud. I also have Three accounts XXXX XXXX XXXX, XXXX, XXXX part of Identity fraud report from FTC was submitted to credit reporting agencies and accounts havenot been deleted .I was told experian can not dispute and i must get in contact with does companies directly and get a removal code. But when i call the say they don't see any application under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance {$19000.00} Balance updated XX/XX/ Original balance {$15000.00} Credit Grantor reclaimed collateral to settle defaulted mortgage
Product: Debt collection

This debt collection agency, is using unencrypted sms communications to attempt to collect a debt. They are requesting personal information, to verify identity via text messaging, asking for date of birth, name etc.. 
They are also contacting the alleged before XXXX. They are also continuing to attempt to collect a debt more then 30 days after a written dispute letter and a request of debt ownership validation letter without providing documentation requested that validates ownership. 

Ive Never opted in for the text messaging spam in the first place, however they give you the option to optout, they've been unable to verify that they are even authorized to collect a debt within the state they are attempting to Collect a debt in.
Product: Debt collection

I have filed police report and ftc report and they still refuse to properly handle this situation
Product: Credit reporting or other personal consumer reports

I review today my Experian Consumer Report Number XXXX  it still reporting my experiences & transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my Experian consumer report. Which is in clear violation of Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts Account Name XXXX XXXX XXXX XXXX XXXX XXXX , are to be blocked and cease to be reporting on my consumer file
Product: Debt collection

Back in XX/XX/XXXX, my bank account was levied by Pressler and Pressler which now the name changed to another law firm. They apparently took the money owed to them which totaled to about {$210.00} and change. On top of this charge, {$150.00} was taken from my bank account which over drafted my account. The point is this, I paid these people off numerous times and they keep coming after me for more and more money. They have threatened me, threaten to sue me, and put me in jail. The last part was that when they levied my account the debt was settle. Now, I took a glance at my credit report and as of today XX/XX/XXXX, they are recharging me again with {$170.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit card or prepaid card

While booking a delta flight on XX/XX/2017 I saw an American express ad that said that I would get a {$100.00} bill credit if I signed up for the delta amex card. I signed up for the card, was approved, and completed the transaction. However, I later found out that an unknown error resulted in my transaction not completing. <P/>After I logged into my new American Express account on X/XX/17 I noticed there were no charges so I called American Express. The Amex representative I spoke with wasnt able to answer why the transaction wasnt listed on my account. I then told the representative that I didnt want to make the purchase if I wasnt going to get the bill credit. The representative assured me there wasnt a problem, and that I would get the credit as soon as I made the purchase. <P/>I followed the representatives instructions, but after making the purchase I was deigned the credit. I was told this was due to my having a Delta American Express card several years earlier. Further, I was told this information was clearly given to me when I signed up which is not true ( I have screenshots of the whole process that shows irrefutable proof ). Despite what American Express says, I believe that I should still receive a credit for the following reasons : 1. I called Amex before making the actual purchase and explicitly asked the representative if there would be any problems regarding my getting the credit. The American Express representative assured me that I would get the credit as soon as I made the purchase. <P/>2. There is no clear indication that prior card membership excludes a person from receiving the credit, and it appears that American Express went through a lot of trouble to intentionally hide this information. ( I have unbelievable screenshots documenting this ) 3. Due to a XXXX XXXX I would have problems finding a single clause intentionally buried in a contract. The only way I could reasonably expect to find out about this information is to call, which I did. <P/><P/><P/>[ screenshot available upon request ] ( As you can barely see, there is LITERALLY a whole section of print that is hidden from the customer. You can barley see the tops of letters from a whole other section of completely hidden/unaccessible text. This information isnt available by scrolling or any other method that I could figure out. There is a star * after the first line item, but there is no legend or key that explains what this means. ) [ screenshot available upon request ] ( actual screenshot of failed ticket purchase on X/X/2017 - no indication about prior credit card restriction ) [ screenshot available upon request ] ( Screen shot of actual temporary card - still no indication of credit restriction )
Product: Credit card

A fraudulent credit card was opened under my name and social security number with Chase. My wallet and information was stolen I have sent Chase a copy of the policy report and identity theft report.

Chase Bank keep closing my complaints and not responding appropriately. 

My complaint is that Chase is not addressing the fact there is a fraudulent credit card opened. The close the complaints without addressing them properly. 

The information on there file does not patch my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well. 
This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed negative reporting from XXXX XXXX XXXX when I pulled my credit report on XXXX XXXX, 2019. On XXXX XXXX, 2019, I wrote to inquire about the debt.I have attached a copy of the letter and certified mail receipt. I have no knowledge of this account so I asked for them to verify the debt and provide proof that this is, in fact, my debt. It has been more than 30 days and XXXX XXXX XXXX has not responded to my request. I believe it is unfair for this organization to report negativity on my credit and refuse to validate my debt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These accounts was marked as inaccurate XXXX opened XX/XX/XXXX XXXX opened XX/XX/XXXX XXXX open XX/XX/XXXX XXXX opened XX/XX/XXXX XXXX opened XX/XX/XXXX XXXX opened XX/XX/XXXX XXXX. Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

XXXX processed a hard credit inquiry for an application that was fraudulent. Further XXXX allowed an individual to place a false e-mail and phone number on my account allowing an unknown person to access all of my credit.
Product: Checking or savings account

I tried to access my savings account with Marcus today and I noticed I have been locked out from my account. On XX/XX/XXXX I tried to withdraw my money from there and it hasn't been transferred to my checking account yet. I don't know what is going on, I tried to call them multiple times, but they don't explain to me why my account was blocked and they are not being helpful. They said they will reach out to me in 1-2 business days, but in the meantime I don't have access to my money and I can't do anything but wait.
Product: Credit reporting or other personal consumer reports

Equifax wrongly reported XXXX XXXX accounts despite removal from XXXX, breaching FCRA. Despite evidence submitted thrice, Equifax verified inaccuracies, violating FCRA Section 611 ( a ) ( 5 ). This jeopardizes credit accuracy and violates consumer rights.
Product: Debt collection

This debt collection company have been calling me Numerous time through out the day I have sent letters asking to stop, telling them that I dont owe the debt and the just keep harrasing me and its really hurting my credit and stoping me from living my life! Its my right under the fair credit act that they remove this from my credit
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has voilated my rights.

15 USC 1681 Section 602 States I have the right to Privacy.

15 USC 1681 Section 604 A Sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card acoount under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The have sent multiple letters to the credit reporting bureaus ( XXXX, Equifax and XXXX ) about the errors and inaccurate reporting of the account such as date of last payment, date of when the account was established, as well as other information not reporting accurately across the three credit bureaus. I have reached to the creditor and collections agencies where they have failed to provide a proper validation of debt and error are still reporting after pointing it out to the three Credit bureaus.
Product: Student loan

I submitted a message to Mohela on XX/XX/XXXX, notifying them that XXXX of my XXXX loans had been enrolled in the incorrect repayment plan. All of the loans should have been automatically switched from the REPAYE to the XXXX plan, but XXXX of the XXXX plans had been switched to a LEVEL plan instead, which is the standard repayment plan that is not based on income. A reply message was sent to me on XX/XX/XXXX, instructing me to call Mohela. I did call then, and after waiting on hold for an hour, the representative was able to do nothing to rectify the issue. In spite of having received a letter from the DOE that all my loans would automatically be switched to the income-based SAVE plan, I am now either forced to make the choice between paying an incorrectly elevating loan payment or applying for forebearance while my application for the correct income-driven repayment plan is processed.