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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX  date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven
years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to an
y delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Product: Debt collection

MIDLAND CREDIT MANAGEM, Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.
Product: Checking or savings account

XXXX took an unauthorized money {$540.00} onXX/XX/XXXX from my Checking Account No.XXXX  of Bank of America , which I never authorized. I never established any account with XXXX. I contacted Bank of American more than a dozen times. But Bank of America did not help me, while XXXX told me that your money is here with us. Ask your Bank ( BOA ) to file ACH or Charge Back to get your money back. XXXX  sent me emails the first one was on XX/XX/XXXX stating, " Please contact your bank immediately to report the unauthorized charges. Your bank will also tell you how you can be credit. '' Messages Date Subject Reply Status XX/XX/XXXX View read message Transaction reevaluated - unable to pay XX/XX/XXXXView read message Affidavit received regarding previous debit XX/XX/XXXX View read message Transaction reevaluated - unable to pay XX/XX/XXXX View read message Affidavit received regarding previous debit XX/XX/XXXX View read message Transaction reevaluated - unable to pay XX/XX/XXXX View read message Affidavit received regarding previous debit XX/XX/XXXX View read message Unable to pay claim - No error occurred XX/XX/XXXX View read message Important second request - Please complet required affidavit Online reply expired XX/XX/XXXX View read message Important - Please complete required affidavit Finally, XXXX issued a check to me which I deposited yesterday, XX/XX/XXXX.

I am officially filing this complaint against Bank of America, as BOA did not cooperate or helped me to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Finance/Personal XX/XX/2020 TransUnion XXXX XXXX XXXX  XX/XX/2020 TransUnion XXXX Finance/Personal XX/XX/2020 TransUnion XXXX Finance/Personal XX/XX/2020 TransUnion XXXX Finance/Personal XX/XX/2020 TransUnion XXXX XXXX Finance/Personal XX/XX/2020 TransUnion XXXX XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX Finance/Personal XX/XX/2020 TransUnion XXXX Finance/Personal XX/XX/2020 TransUnion XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  acct # XXXX has violated my rights.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.
Product: Credit reporting or other personal consumer reports

I HAVE NOT GIVEN PERMISSION FOR MY PERSONAL INFORMATION TO BE REPORTED BY ANY CREDIT COMPANY OR BUREAU. THESE ADDRESSES CAN BE FOUND ON ALL 3 OF MY CREDIT REPORTS AND ARE ADDRESSES THAT I NEVER LIVED AT OR I CURRENTLY DO NOT LIVE AT THE ADDRESSES ANYMORE. SEE ATTACHMENTS FOR ADDRESSES LISTED OTHER THAN THE ADDRESS BELOW CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reporting inconsistencies. Please see explanation and accounts attached.
Product: Debt collection

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

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

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

XXXX XXXX is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX  but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for transunion and individual for XXXX. transunion is reporting a monthly payment of {$260.00} and XXXX  is reporting {$0.00}. Transunion is reporting the date opened as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. Transunion is reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. As you can see
Product: Debt collection

I receive multiple phone calls every single day even on the weekends from this company from different phone number repeatedly. They hang up and call right back from a different phone number. They have been told this account was opened fraudulent and was a result of a stolen identity due to the XXXX data breach of 2023. I have submitted multiple disputes that I have no knowledge of the {$2300.00} they claim I owe them and even filed a claim through the Federal Trade Commission for stolen identity. I have sent them a letter requesting all the information in regards to this account like signatures, payments, etc. but they have yet to send me anything but they continue to call me daily repeatedly.
Product: Debt collection

This bill was pay by tri care when I was XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a uniform decision on XX/XX/XXXX when I entered a bank XXXX XXXX XXXX XXXX. The only evidence of debt is the agreement, but that agreement is null and void because I made an uninformed decision and I didn't understand the meaning, it was not clear to me, and conspicuous. on XX/XX/XXXX, I sent a letter to the credit bureau and Bank XXXX XXXX asking for them to remove the inaccurate information on my credit both parties refused to comply with granting my rights. After 30 days 3 credit bureaus XXXX, XXXX, and Transunion updated my credit report with more inaccurate information on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had forgotten about this account with SunTrust bank account and it accrued {$390.00} in overdraft fees. When Truist took over the bank I went into my branch and paid it off via cashiers check on XX/XX/2022. It never changed on my credit report. I went back into the branch in XXXX of XXXX  and inquired about it. They told me that the cashiers check had cleared on the XXXX of XXXX and was posted to my account on the XXXX and gave me a letter stating this and told me to file an investigation with the credit agencies. Which I did. However, Truist instead reported that the amount was not paid and still had the {$390.00} outstanding balance. Which in turn caused my credit score to drop XXXX points. I would like them to rectify this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX mortgage XXXXXXXX XXXX have put credit hard inquiries on my credit report that I gave no permission to and not responsible for. XXXXXXXX XXXX XXXX XXXX  Has put a credit inquiry on my XXXX REPORT IM NOT RESPONSIBLE FOR XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Has put inquiries on my account Im not responsible for I ask all be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute and bring to your attention a violation of my rights concerning the investigation of a late payment dispute on my credit report. 
On XX/XX/2023, I submitted a dispute to Experian regarding a late payment entry on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request a proper investigation into any disputed information on my credit report. 
However, I am deeply disappointed to inform you that the investigation carried out by Experian did not meet the required standards for accuracy and thoroughness. The investigation failed to consider all relevant information and did not address the concerns I raised in my dispute. 
As a consumer, it is my right to have accurate and fair information reflected in my credit report. I believe that Experian 's failure to properly investigate my dispute constitutes a violation of my rights under the FCRA. 
I kindly request that Experian promptly rectifies this situation by conducting a comprehensive investigation into the disputed late payment entry on my credit report. I expect that all necessary measures will be taken to ensure a thorough examination of the facts and a fair resolution. 
Please provide me with a written response within 30 days from the date of this notice, confirming the initiation of a proper investigation into my dispute. Additionally, I request that any negative information related to the disputed late payment entry be temporarily removed from my credit report until a thorough investigation is completed. 
Failure to address this matter within the stipulated time frame may result in my pursuit of legal remedies available under the FCRA and any other applicable laws. 
I look forward to your prompt attention to this matter and a satisfactory resolution. Thank you for your immediate action in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they reported. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : 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 was a victim of ID Theft in the past. I pulled my credit and noticed a collection on my credit report, It doe not belong to me -XXXX XXXX acct # XXXX
Product: Mortgage

I applied for a mortgage refinance in late XXXX. I got rates from a few different lenders and went with Guaranteed Rate as they quoted me the best offer. After submitting all of my documents I was made aware of a mistake on my XXXX & XXXX tax returns regarding my rental income. I was then instructed that to fix the errors I had to file amendments. I verified with the loan specialist that this was necessary and would make a difference because if not I wanted to go with another lender. I was assured this would be the same anywhere I went and since rates were about to go up it was best for me to stay with them. So, I did exactly what they said which was amend my tax returns for XXXX and XXXX. They also said I must file them with the IRS in person, pay for any outstanding taxes, and get the amendments and proof of payment stamped. Once that was done I resubmitted my tax returns to them and then was told that they were denying my loan because they would n't accept the amended tax returns because they said I just made it all up just to get the loan. Interest rates are now much higher and my credit score has now taken a hit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a secured credit card with Capital One that was closed due to the account being restricted. They closed the account in XX/XX/2019 and requested that all 3 credit bureaus remove the 7 years of account history from my credit files. This is a violation of the Fair Credit Reporting Act. 

Although the account has been closed, the history should remain as reporting for up to 7 years.
Product: Debt collection

On XX/XX/21 I received a call from Radius Global Solutions saying they were attempting to collect on a debt owed to XXXX in the amount of {$3000.00}. I told the caller that I dont have an active account with XXXX  and havent for years. I told him I would dispute any debt. I have received numerous calls from Radius Global Solutions although they never leave messages. I called XXXX and spoke with their account services and they confirmed that I dont owe them anything and I dont have an active account.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 XXXX XXXX accounts which is listed as # XXXX # XXXX # XXXX # XXXX and it says on it Authorized user I was asking them several times to delete these accounts with no success
Product: Debt collection

CONVERGENT OUTSOURCING continues to try and collect money from a bill that I have no knowledge of. I have disputed their claims through XXXX and have asked to provide a bill showing the amount I supposedly owe. My request has not been completed. 

I ask that they provide a copy of the bill ( which I know they can't provide ) and I DEMAND that they REMOVE this negative information from my credit report! 

Thank you XXXX
Product: Checking or savings account

I called my bank Axos Bank to fix a dispute from XXXX XXXX in which the funds were withdrawn from my account but XXXX did not disbursed the funds to the receiver. The receiving bank refused the funds. XXXX owes me a refund but did not provide it to me. I tried contacting XXXX several times but hard to get a hold of a rep and calls got disconnected. I contacted Axos bank to try to resolve the dispute and I was discouraged by the reps helping me on initiating a dispute. I was told is no many ways to go back to XXXX and to solve it there that the bank would not do anything in these type of cases and was not a good idea. I was upset and surprised. I told the reps that if they did not solve my dispute or started the dispute that I would file a complaint.
Product: Checking or savings account

XX/XX/23 {$4300.00} {$3400.00} I had wire transfer fraud and they only made XXXX attempt to retrieve my funds back and was very unsuccessful
Product: Vehicle loan or lease

XX/XX/XXXX, I paid off the loan for my new travel trailer and printed the confirmation. Their system never generated any further information or confirmation of payoff, so XX/XX/XXXX, I called to ask when my title would be sent. I was told within five business days. After ten days, I had received nothing, so I called again on XX/XX/XXXX. This time I was told 10 to 15 business days and they had no idea where my title was at in line. I called again the next morning to attempt to speak to someone in the " back office '' the previous agent referred to and was told 10 to 15 days, and they had no further information. I called on my lunch break and this time, connected with an agent responsible for processing, who told me ( while on the phone ) that he had cleared the lien, released the title, and was processing it for shipment immediately. He said it would be sent XXXX overnight and I gave him my wife 's phone number for tracking. As of today, XX/XX/XXXX, I have no title, no tracking, and zero confirmation it has even been sent. 

I'm currently on hold waiting for a supervisor, because I've just been told by another agent that the title is still sitting in this " back office '' where it hasn't been sent and they're responsible for mailing it. It took multiple attempts to even get her to connect me to a supervisor, and she claims they have no way to actually even connect with this " back office ''. 

We are set to travel five hours out of state on XX/XX/XXXX to trade this trailer in XX/XX/XXXX. We can't do that without title in hand. There is no excuse for this kind of delay. This institution has multiple complaints exactly like ours online and its unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX sent me a statement for my last payment coming up. The payment was high because I did a 3 month deferment during COVID. The payment was due by XXXX XXXX I know I could not make the big payment all at once so I spread it out through the month. I made the final payment onXXXX XXXX XXXX. I check my account on the XX/XX/XXXX 0 dollars Balance. Check my credit report and I notice I have a 30 days late payment from XXXX XXXX. Call XXXX XXXX  they tell me because I spread the payments out it cause me to have interest of XXXX cents. This drop my score down XXXX points. I disputed with XXXX and they only gave me XXXX points back. Which this made my score in the mid XXXX. This is not good. This has happened before and I never received my points back after I dispute and they find its not my fault. Please help get my points back. Im in the process trying too buy a car. With a XXXX credit score my interest rate will be high.
Product: Credit reporting, credit repair services, or other personal consumer reports

So this is my 4th time reaching out to you or the credit bureaus. I thought the CFPB was here to help the consumer. I have been XXXX a lot of research and also discovered A FCRA lawyer will sue you on my behalf. There is a bankruptcy public record on my credit report, and as I mentioned I have done my research. I wrote the bankruptcy court and they said they do not report to credit reporting agencies, so by you having these public records on my account is a violation because the court didn't furnish the information so you are not reporting 100 % accurate information. Also by XXXX and XXXX getting my information they are violating my privacy rights violation US Code 1681 ( A ) ( 4 ). As the lawyer told me all of the violations are grounds for a lawsuit. I am a single XXXX mother and I refuse to be taken advantage of by these big companies. I wrote the bureaus on XX/XX/21, XX/XX/21 and today XX/XX/21. XXXX XXXX on XX/XX/21 and XX/XX/21 I have a certified mail receipt to prove they have it. I demand action