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

In XX/XX/2018 I sent a dispute to Experian regarding a collection account with XXXX XXXX XXXX that is being illegally reported on my credit, and they closed my dispute while allowing the illegal activity to continue. 

In the info I send to Experian, I included copies of the documents I sent to XXXX XXXX proving they are violating my rights as a consumer under the Fair Credit Reporting Act by ignoring my request for validation and " terminating the dispute '' without any proof that they have a legal right to collect the alleged debt. 

With all the proof that shows that XXXX is in violation of the FCRA, Experian still did not delete the account. 

XXXX has not validated this debt per my request and I have NEVER received any documentation from this company until AFTER I contacted them because I found them on my report. I never received a dunning letter from them nor any proof this is my debt, as requested. 

This account needs to be deleted immediately as it is in violation of my rights.
Product: Checking or savings account

M & T Bank is aiding and abetting common criminals, con-artists, and scammers when they allow one of XXXX XXXX cardholders , in this case a XXXX XXXX XXXX XXXX to purchase our legal services under emergency conditions to try and help his XXXX  girlfriend from being thrown back on a plane out of the USA for God Knows What, and where our entire law firm team dropped everything to work on this deadbeat 's case all day, and then he does a credit card charge back because the U.S. Government sent her back.

We did everything that we could, but the test of a credit card authorization under federal and local law is ( 1 ) whether or not he authorized said charge which he did pursuant to a signed retainer agreement contract and ( 2 ) whether he received legal goods and services ( attached ) which he also did.

The contract itself states that we do not and can not guarantee legal results per ethics and law, kind of like a doctor can not promise if a surgery won't result in the patient 's death.

But either way we did the work, and deserve to get paid, not robbed as was done here, when M & T Bank refused our dispute that this was an unauthorized debit by XXXX XXXX, who unlike XXXX  and XXXX, understands that a lot of their cardholders are scumbag con-artists, freeloaders, shoplifters, and thieves. 

Please investigate and advise. 

XXXX  our duly charged and earned {$5000.00} legal fee payment.
Product: Credit reporting

Several months ago, my wife and I sent Equifax a letter requesting that they investigate several errors that appeared on our credit report, and respond to us via postal mail with the completed investigation. Despite numerous requests and follow-ups, we have received absolutely no response from Equifax. Literally 6 months have passed, and we have sent countless follow-up letters, but Equifax just wo n't respond.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts, name and inquiry as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I took my XXXX  to the dealership with a problem with the engine.The owner XXXX was supposed to fix my XXXX. The dealership had my car over a month. I called XXXX ask him about my XXXX  he told me Credit Acceptance repoed my XXXX  at that time. XX/XX/XXXX I only owed one  month total XXXX for current and past due XXXX total XXXX I still have my statement. The owner XXXX sold me another XXXX XXXX XXXX at that time I needed a car. I thought my XXXX  was repoed.I and my husband wanted to buy another vehicle and still get my XXXX back. I called Credit Acceptance about paying the full balance and getting my car back the receptionist said we never repoed your XXXX  vehicle should be in my possession. I called XXXX asking where my car was my car wasn't repoed. XXXX claimed he didn't know until I called the police.The police came than he finally said my car was at the junkyard in XXXX XXXX XXXX. I called them they said the never received a XXXX XXXX. Months later I received a letter from debit collector owing over XXXX includes lawyer fees.The balance left on the car was XXXX for a vehicle I don't have.I still don't know where my car is.This is the first I ever went through this!! I been paying debit collector monies with interest every month since a XXXX was filed with the courts XXXX. Whenever I go through hard times couldn't pay they will take me to court trying to garnish my paycheck. XXXX XXXX lied about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they took my car without my permission. I only owed one month for total XXXX my current payment total XXXX was due XXXX the owner had XXXX XXXX write false statement about no interest as customer was behind in payments my car was crushed XX/XX/XXXX. I didn't have no knowledge about this information until I called the cops.
Product: Debt collection

Subject : Urgent Resolution Needed Regarding Debt Settlement To Whom It May Concern, for the past year, I have been attempting to resolve a debt with Brock & Scott , PLLC. 

I sent a money order for {$1700.00} to settle a credit card debt I had with XXXX XXXX. Since then, I have made multiple calls to XXXX XXXX, but each time I was informed that they can not proceed until Brock & Scott sends them confirmation that the debt has been paid. However, Brock & Scott have repeatedly claimed that they never received the money order, which is preventing me from opening accounts with XXXX XXXX and is negatively impacting my personal credit. 

Despite my repeated efforts to reach both XXXX XXXX and Brock & Scott to address this matter, nothing has been resolved. 

The payment of {$1700.00} was sent to the following address : Brock & Scott , PLLC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX I kindly request immediate attention to this matter to resolve the issue and ensure that the payment is properly acknowledged. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I never apply for this card, they given to me to the store.I never read the information on the letter they send to meXXXX XXXX XXXX XXXX.Now after one year the charge {$890.00} for inters fee.Im on dXXXX I cant afford to pay the inters that I newer know.Thank you
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 has violated my rights. 

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.

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 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

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the inquiry that is still reporting on my account :
Product: Student loan

XXXX reps advised to do forebearance and deferment repeatedly and did not mention income driven payment plans for years since XXXX. My loans have capitalized to an exorbitant amount of {$XXXX}. If I had been instructed properly, my loans would be forgiven. Also XXXX was not mentioned either.
Product: Vehicle loan or lease

Filed a complaint two weeks ago due to not receiving my title when vehicle was paid in Full XX/XX/XXXX. Received a notice dated XX/XX/XXXX with no instructions advising here is the documented I requested, with a disclosure statement. I requested my pink slip and they still failed to provide. Kia has not provided instructions on what I need to do with the statement. I assume I have to mail it. But instructions are not clear. This is not acceptable. I am demanding my pink slip and all penalties that are due.
Product: Credit card

Citibank , N.A . continues to circumvent the CFPB process by sending me letters related to open complaints ( see complaint # XXXX ) while refusing to upload the responses to the CFPB. While the letter I 've attached from Citi purports to show that the CFPB was carbon copied, the letter was never attached to the open complaint. As I have stated in the prior complaint, my identity was stolen by my deceased husband to open the Citi credit card. I have asked for the signed application or anything that would show I opened the card and was told that it no-longer exists. After several months of back and forth, I received a letter with copies of XXXX checks that I signed that says " I acknowledged the debt. '' During my husband 's XXXX he spend nearly 30 days, split up over several overnight inpatient stays, to have multiple XXXX in the last year of his life. I 'll reiterate that my husband handled all financial and banking issues during our 40 year marriage. The XXXX checks Citi provided with my signature ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) all correspond to dates that my husband was in XXXX recovering from XXXX. During those inpatient hospital stays my deceased husband was XXXX he was unable to sign his name and write. For this reason alone, he asked me to bring his checks to the hospital, indicated who should get checks and for what amount, and asked me to sign the checks on his behalf. At no time did my deceased husband explain to me what the checks were for - I was just following his instructions while he was in the hospital. The concept that my signature on these XXXX checks in this specific situation would " acknowledge the debt '' and make me liable for his obligations is utterly absurd. I have already filed an FTC Identity Theft Affidavit that was signed and acknowledged before a XXXX County, Maryland police officer. As I have repeatedly indicated, I will do this again if Citi requires yet another statement my me under oath that the Citi credit card was never mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : XXXX, XXXX, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attachment to the complaint sent on XX/XX/2023. 
CFPB Case number : Transunion ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) There is another fraudulent account that has been added to the theft report. 

Account : XXXX XXXX XXXX This account was open without my consent and is a result of fraudulent. Remove this account.
Product: Credit reporting or other personal consumer reports

I wanted to reach out regarding the dispute I filed for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a third party. However, I can confirm that the disputes did not come from a third party ; they were submitted by me personally. 

I even called them to verify my identity and confirm that it was indeed me submitting the disputes. Despite this, they still refused to process my disputes. I feel that Ive wasted money mailing out the disputes and sending personal information to verify my identity, only for them not to thoroughly investigate the issue.
Product: Debt collection

Incorrect information was added to the credit bureau showing that I owe a debt. I never received a bill for whatever they believe I owe therefore I am not in default of anything.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Dear Transunion Dispute Department, I am writing to formally dispute inaccurate information on my credit report under XXXX XXXX XXXX XXXX ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, XXXX U.S.C. XXXX ). 
Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Misrepresentation of Payment History ( XXXX XXXX XXXX ( a ) Prohibited Misrepresentations ) The credit report shows continuous " C '' ( collection ) notations from XX/XX/XXXX to XX/XX/XXXX, even though the balance has remained the same ( {$1000.00} ) with no new activity. 
Under the FCRA, creditors must report accurate information. If no payments were made or missed after the initial charge-off, continued delinquency markings are inaccurate and misleading. 
This creates a false impression of ongoing non-payment, artificially damaging my credit score in violation of XXXX XXXX XXXX ( a ), which prohibits misrepresenting the status of an account. 
Improper Reporting of Account Terms ( XXXX XXXX XXXX ( b ) ( 6 ) Accuracy of Information ) The account is reported as having a " XXXX XXXX, '' yet it has been reported as delinquent for over a year. 
If the account was charged off or placed in collections in XXXX, it should not continue to reflect monthly new delinquencies as if I were missing payments each month. 
This violates XXXX XXXX  XXXX ( b ) ( 6 ), which requires credit information to be reported with accurate details about the terms and obligations of an account. 
Violation of My Consumer Rights Under XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX Furnishing of Credit Information requires that credit information must be correct and updated. The erroneous delinquency reporting violates this rule. 
XXXX XXXX XXXX Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed.
Product: Checking or savings account

I opened a XXXX XXXX  account with XXXX Bank XXXX XX/XX/XXXX. The account was funded via an ACH transfer from another bank. A year later, on XX/XX/XXXX, the XXXX matured. I sought to close the account and have the funds transferred to my checking account at XXXX XXXX XXXXXXXX. 
I then learned that while BMO accepts ACH transfers to fund accounts, at closing the only option the bank offers is to send a check, using snail mail. Unless, I chose to transfer the money to another BMO product. 

With no other options- and since I needed the funds- on XX/XX/XXXX, I requested that the check be sent to me. I did not receive the check until XX/XX/XXXX - 8 days after my request to have the account closed and the funds remitted. 

To make matters worse, I learned that it would take another 7 days for the check to clear and the funds transferred from XXXX Bank. 

Clearly XXXX has the ability and capability to process ACH transfers. They're engaged in an unfair and deceptive practice through which they hold customers ' monies for an extended period- in this case 15 days - without paying any interest. 
I asked the bank to reimburse me the interest owed during the time they held the funds, and XXXX refused. 

BMO seems to be operating like XXXX California. You can 'check in ' via ACH, but you can not check out ... at least not for an extended period during which the bank unfairly benefits from the time value of their withdrawing customers ' money. 

This is inequitable, unfair and deceptive and the practice should be stopped. 

Thank you, in advance, for addressing this matter.
Product: Debt collection

JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting

I had a second mortgage with RBC account # XXXX. This was settled for less than the original amount XX/XX/XXXX. It is being reported on my credit as a " charge off ''. This is preventing us from getting a mortgage. I was told by PNC to submit the following information : the dismissal from RBC, the page of my credit report where the error appears, the bureau reporting as a charge off, and a brief description, referencing the RBC account number of what happened. I was under the impression that by law, they had to respond to me in 30 days. They signed for the letter sent via priority mail XX/XX/XXXX. I called on XXXX when I had not heard anything. I was told by someone in the XXXX that they were working on it, and to call back once the 30 days had passed. I phoned the XXXX XXXX XXXX today, XX/XX/XXXX and spoke with a man named XXXX XXXX. He transferred me to " Consumer Services '' ( a nice word for collections ). They told me to call XXXX, who is a collection agency that called me immediately after I sent in my request to have information corrected on my credit report. Once I sent them the documentation I had submitted to PNC, they did not call me again. I declined the suggestion of the agent in collections to call XXXX, and instead called back to the XXXX '', where I spoke with a woman named XXXX XXXX. She indicated to me that they would send me a response. I told her they have to do that within 30 days by law, and that deadline had passed. I told her I was submitting a complaint to the CFPB because we are trying to get a mortgage and are unable to because of this. I asked her to add that to the notes on our file. She agreed to do so.