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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally address a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, and the federal statute against identity fraud, 18 U.S.C. 1028A. All 3 major CRAs have obtained and reported my consumer credit information without my express written authorization, constituting an impermissible purpose violation.

Upon investigation, I discovered that the U.S. Bankruptcy Court for the Western District of New York does not provide information directly to Experian, TransUnion, or Equifax and is not an affiliate of any of the three major consumer reporting agencies. Therefore, your acquisition of my consumer report lacks lawful justification and constitutes an unlawful act under federal law. 

Furthermore, the XXXX scoring model considers bankruptcies only when they involve a monetary value of {$100.00} or more. However, my case was dismissed before a plan was confirmed by a Judge and a value attached to the case, meaning it holds no monetary value to allow reporting under the XXXX scoring model. Despite this, Experian, TransUnion and Equifax continue to report the dismissed case, potentially causing me financial harm for the next XXXX to XXXX years. This action demonstrates reckless disregard for the truth and an intentional misrepresentation of my financial standing, which could negatively impact my ability to obtain credit, employment, or housing. 

A dismissed bankruptcy doesn't constitute reporting the public record when it goes against the XXXX scoring model and what is considered for Bankruptcies over {$100.00}. 

I also attached the letter of my other concerns, I am still waiting for Experian to reply to the other complaint that is still open. This letter goes over the inaccurate reporting of charge-off accounts. I've included IRS manual codes and case law to support my argument.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Chapter XXXX Bankruptcy discharge under public records has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting public records Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of bankruptcy that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX IS CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. I have notified the Bankruptcy Court and their response letter is attached stating they do not report information directly to the credit reporting agencies. Therefore, how could you verify this account.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, an unknown party purchased {$1000.00} worth of products using my credit card number on the online portal for XXXX XXXX. Sometime later, that order was physically picked up in a store far from my home by someone who was not me. XXXX XXXX does not appear to have asked for any proof of identification for the pickup. Video monitoring for the pickup ( which surely would have revealed that the person who picked up the order was not me ) appears to have been broken or is for some other reason inaccessible. 

I reported the transaction as fraudulent to my bank ( Chase ) and received a credit back for the charge while they opened an investigation on the case. 

Today, two months later, I received notification from Chase that I was being charged for the purchase again. I do not know the status of their investigation, and I will not be able to find out what happened until next Monday. I will pursue that, but predict I will be faced with many difficulties in reopening the case again by myself. XXXX XXXX was similarly unhelpful in preparing a case for me, but I don't know what really happened. I need some help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a {$1400.00} debt claimed by XXXX XXXX  XXXX, as I have never engaged in any business with your company. I received a letter demanding payment for a transaction I do not recognize. I request a thorough investigation, documentation of the alleged debt 's legitimacy, and removal of this account from my credit report pending resolution. This collection has caused me to be ineligible for closing on my forever home.
Product: Checking or savings account

Allowing everything to be covered after taking over draft protection coverage off. My fees have racked up to {$200.00}.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT 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. 

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

I received a letter in the mail confirming the above account should not be on my credit reports, I am writing this to expedite the removal of the account due to the enormous amount of financial stress and burden this has caused. I have attached such evidence in the attachments. Please execute this in a timely fashion. Failure to comply is a violation of the FCRA
Product: Credit reporting or other personal consumer reports

Complaint Regarding Non-Compliance with Negotiable Instrument for Debt Cancellation I am writing to file a formal complaint against XXXX XXXX and [ LVNV Funding XXXX and XXXX XXXX  as well as XXXX  Name ] for their failure to honor a negotiable instrument, specifically a Form 1099-C, which legally cancels the consumer debt in question. I believe that their actions violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. 

I would like to bring to your attention that the negotiable instrument used in this case, Form 1099-C, is a legally binding document that should result in the cancellation of the consumer debt. The failure of the above corporations to honor this instrument raises concerns about their compliance with consumer protection laws.

I am seeking the Consumer Financial Protection Bureau 's intervention to ensure that The corporation named above must comply with the relevant laws and promptly cancel the consumer debt using the negotiable instrument provided.

[ Attach copies of relevant documents, including Form 1099-C, correspondence with the credit bureau and collections agency , and any other supporting evidence. ] I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will investigate the issue thoroughly. I look forward to a resolution that upholds consumer rights and ensures fair treatment by the law. 

Thank you for your prompt attention to this complaint.
Product: Credit reporting or other personal consumer reports

Identity theft-related accounts appear on my consumer report without my written authorization or wet signature. Following my recent communication with your organization, I formally demand the immediate blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial harm by misrepresenting my credit history and obligations. If not properly addressed, I'm prepared to take legal action to protect my rights and seek resolution. These fraudulent entries have impeded my ability to achieve crucial financial goals, including purchasing a home and providing for my family 's needs.
Product: Credit reporting or other personal consumer reports

I contacted XXXX about the account Jefferson Capital is not the original collector the addresses for the account is wrong and the amount stating I owe as well. All the credit bureaus are reporting different times that this account was open. I have been trying to dispute this account since XXXX but its stated it was open in XXXX. I was recently notified the CFPB has filed a lawsuit due to XXXX failure to notify consumers dispute. I am asking that this derogatory mark be removed or corrected it is hindering me from being able to buy a house and car. XXXX is violating my rights and federal laws.
Product: Debt collection

I continued to receive a call at the same time every morning, various similar numbers. Most often, I answered the phone they would hang up. The calls continue in this pattern for about a went on for a week or more. Finally, I answered the phone, and there was music playing on the line. I waited and listened to some lady answered and immediately asked me my $ $ # and D.O.B. Stating she needs to identify who she was speaking too. I explained there no way I was going to give out my information to a person I don't know. 
I asked her who she was and the name of her organization. She said, it so fast as if she didn't want me to know who was calling. I had to ask her to slow and down and repeat herself at least XXXX for XXXX times. Of course ; this made me apprehensive as if she was trying to hide something. I knew then they were trying to scam me. Finally, I said, spell it! 
Of course, the conversation got heated. Business is Business ; I asked them to give me the D.O.B that they had on file, and I would verify if it's mine or not. They refused, I asked for the address again they refused. I told them to cease calling me. A few days later, I received a letter, and I recognize the name. They were trying to collect for an alleged debit from XXXX {$130.00}. I don't owe XXXX or XXXX {$130.00}. I sent a certified letter or Debit verification asking to tell me where they came up with this {$130.00} amount. They send me a XXXX bill for {$220.00}. That it! This doesn't tell me anything. How do I know if this is a real bill or a real company that can collect in Georgia? It really looks like someone used a copy machine to copy a bill.
Product: Credit reporting or other personal consumer reports

I had a loan with Happy Money. Email is XXXX I paid the loan in full and they have not updated their credit reporting even after I waited the time period for most of my other creditors. I emailed them three times and they still refused. They claim that I am emailing them from an account that I have never emailed them from. I have only two email addresses for the last 20 years.
Product: Vehicle loan or lease

On XX/XX/XXXX, I went XXXX XXXX XXXX looking to finance a new car because I receive a call from the main office about an Independence Day sale going on. I went for a XXXX XXXX XXXX, which was around the price off XXXX and signed a paper saying I wanted to put XXXX down on the car and also that they can run my credit. A few minutes later the employee helping me came and said I got approved but because it too busy, the system is moving slow so just leave them with 10 % of the XXXX with him and just come back later on that week with the rest of the money and finalize everything ; I said okay cool no problem. I got a call later on that week saying that I can come in Friday. I when there on Friday and he told me that I didn't get approve after telling me days before that I got approve. But I did'nt make it a big deal or nothing I just went for a cheaper car around the price he told me XXXX. I choose the XXXX XXXX XXXX  and we did the paper work and everything for the same downpayment but told them that I wasn't taking the car today because i have to go get the money from a different dealership. They told me they would give me the car and a deadline to bring the rest of the money so that the car can be officially mines, if not they will just repo the car. So on XX/XX/XXXX I drove down to the deanship to make the payment of XXXX and they told me they will notify me when to come and get my documents, but they never contacted me so I decided to drive down there XX/XX/XXXX and get the paper work. when I received it I told him that there was a error and that he should fix it. He told me that he used it for my taxes but that not what I I gave him the money for so I try explaining to him what he did was wrong and he did it without my permission because that money was for my downpayment ; he told. me it too late now its nothing he can do bout it. I decided to call my finance company and they told me to let the car dealership refinance the car or just cancel the contract but the salesman refuse to help me. So my finance told me to take legal action against them.
Product: Credit reporting or other personal consumer reports

These negative Items does not meet the FCA reporting requirements. I do not recognize how and why this is reported. 
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer Reports. Delete Immediately! Pursuant to XXXX XXXX XXXX ( XXXX  ) ( XXXX ), Reports must be in accordance with Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am clearly a victim of retaliation except my credit report is taking the hit. I made a flow up report to XXXX XXXX about the XXXX dealer that sold me a car XX/XX/2012. The bankruptcy court and attorney advised I had to return the car because the court did not approve. The dealership lied. The car was returned a few months later in XX/XX/2012. After filing a complaint on XXXX and XXXX and XXXX. XXXX allowed a company called Second Round in XXXX Texas to list this as a new collection item which drop my score 71 points. At what point to I have a regulatory advocate that stands up for my rights. I am victmiized over and over. I can only think it is all tied to my complaints on the ther major companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX OF CA is reporting a collection for {$9500.00} from XXXX XXXX XXXX for supposedly sold them unpaid balance on this account. I never signed a contract to purchase or lease any vehicle from XXXX XXXX XXXX ... .XXXX XXXX XXXX went on to further provide a copy of the " contract '' that forged my signature and LACKED a date on the contract provided a driver 's license of a person with a similar name to mine but NOT me! YET they dared to report it to my credit for years. XXXX XXXX XXXX refused to provide any documentation to me directly due to the fact that they did NOT have any contracts with me, in my name to my social or to my dr license. XXXX XXXX XXXX IS GUILTY OF FRAUD, VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT, AND F.C.R.A. ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$15000.00}
Product: Mortgage

To be clear this problem also included the second option " Closing '' on a XXXX XXXX XXXX. I apologize for the length, but the issue is vast. 

Before I went to closing on my Refinance ( that I was approved for ) I noticed the Principal amount of my Property was incorrect ( $ XXXX ) and I refused to sign the Refinance agreement stating the information was incorrect and directed the Loan Officer to fix the issue. The Principal amount was supposed to be closer to {$34000.00} ( because I always added extra money to each monthly payment to reduce principal ) That was on XX/XX/2022. The Loan Expired on XX/XX/2022, and the Loan Officer had not resolved the issue or reported back to me progress on my complaint or created an extension on my loan expiration due to a complaint in progress. The loan has since expired and the Bank is starting Foreclosure papers with out even addressing the current Complaint I created in XXXX. The complaint is over 60 days old and well past all FTC regulations to resolve and remediate of 30 days. I have called many times to get status updates and receive no answer. I leave messages and receive no return call back. Because of this, I have filed a " Notice of Error '' with Fulton Bank as of XX/XX/2022 and have requested answers within 10 business days. 

Problems : XXXX. The principal amount that has been paid to date has been recorded incorrectly by the Bank. In XXXX of XXXX my Principal Amount was {$34000.00} and when I asked for my total before signing they said it was ~ {$35000.00}, and the XXXX XXXX says {$34000.00}. However, from the Months of XXXX to XXXX I paid more than double the statement amount each month, meaning that both figures provided by the Bank were incorrect. Furthermore, you can review the Past Payment breakdown and Activity charts on the statement and clearly see that Fulton Bank DID NOT apply the extra amount to my principal and applied it to the interest payment instead. XXXX. XXXX amount = {$120.00}, I paid {$250.00}. Fulton Bank applied only $ XXXX to Principal, instead of {$130.00}. ( I paid {$250.00} because I was not receiving my monthly statements, but knew the amount since it was an interest only loan, and I always added more to reduce Principal amount ) XXXX. Reg Z violation - I have not received a Monthly Statement since XX/XX/2022. I moved, updated my address and have not received a monthly statement since that date. This also explains why I did not notice the above problem earlier. 
XXXX. Foreclosure letters process has begun without addressing original complaint. Loan was not put on hold or an extension due to a complaint in progress by the Loan Officer or the Bank agent working the complaint. 
XXXX. I have called multiple times since XX/XX/2022 to get progress updates with no answers. I have left messages with the Bank Managers and they have never responded to me. Fulton Bank IS NOT responding to my requests for complaint status and remediation timelines!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX is reporting inaccurate Exempt amount numbers and liability amount on my credit file it does not match my records. all companies have responded that the investigation has been completed. however i believe that no REASONABLE and PROPER investigation has occurred due to these violations.

Furthermore, the companies failed to mark the account as disputed violating 623 ( a ) ( b ) these companies continuously has failed to validate this account further violating FDCPA 809b
Product: Credit card

I purchased a mower that cost XXXX with Home Depot store credit card with a no-interest promotional period of 24 months. 

They incorrectly set the promotional period to be 6 months and charged me deferred interest of XXXX from XX/XX/year> to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureau about several inaccuracies on my credit report. Based on the FCRA these inaccuracies must be validated or removed within 30 days. 

I have not received a deletion nor any documents that I have personally signed to represent anything validate on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX # XXXX Date Opened:XXXX Balance {$0.00} XXXX  XXXX XXXX  # XXXX Date Opened:XXXX Balance $ {$640.00} XXXX  XXXX XXXX  # XXXX Date opened Closed. {$1200.00} written XXXX # XXXX Date Opened:XXXX Balance {$1100.00} XXXX XXXX XXXX # XXXX Date Opened:XXXX Balance $ {$48000.00} XXXX XXXX XXXX XXXX open XXXX XXXX XXXX XXXX # XXXX Date Opened:XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Open {$1200.00} THE BUREAUS XXXX XXXX Open XX/XX/XXXX Balance {$370.00}
Product: Debt collection

Did not receive enough information regarding alleged debt. Was not given opportunity to accurately dispute debt.