23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX XXXX XXXX Sheriff Officer delivered a notice of civil action suit to my residence that was filed in the XXXX XXXX XXXX XXXX XXXX XXXX of Georgia. The Law Firm of Brock & Scott PLLC is the plaintiff ( XXXX XXXX, XXXX XXXX  XXXX. ) attorney attempting to collect a debt by filing a civil suit I do not know of. This is a direct violation of 15 USC 1692e ( 4 ) - the threat to suit is illegal in the collection of ANY DEBTS. This is a right secured to me by the code herein and the 4th Amendment of the US Constitution. This law firm also directly violates 15 USC 1692e ( 3 ) because you can not represent as an attorney and collect a debt at the same time without being a debt collector. I appeared in court on XX/XX/XXXX, the judge stated a notice of change of hearing to XX/XX/XXXX due to Brock & Scott PLLC requesting for additional time to state their claim. I filed an Affidavit of Demand for Validation in the court on XX/XX/XXXX, demanding that XXXX XXXX XXXX XXXX, N.A.-Brock & Scott PLLC , provide the original signed contract between XXXX XXXX XXXX XXXX  XXXX XXXX. and myself explicitly stating my consent to the debt and the term of repayment. As well as a complete record of all books of accounting and ledgers evidencing any loss or harm sustained by their office for providing the undersigned with any services including all contracts compelling my performance following said contract bearing my wet ink signature seal and be certified for my inspection. I sent the company a copy of the filing certified copy mail receipt number XXXX. XXXX XXXX XXXX XXXX, XXXX- Brock & Scott PLLC has not responded to my Affidavit. An unrebutted affidavit stands true in commerce. I hereby declare I have not entered into any agreement of said debt.
Product: Credit card or prepaid card

There is a charge on my XXXX secure card for XXXX although the company recognize I didnt sign up for over the limit they refuse to remove the transaction that I didnt make to begin with I have sent the company documents of that prove this is in fact a fraudulent charge
Product: Credit reporting, credit repair services, 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 as unverified information without providing any 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 Balance Owed : {$32000.00}, US DEPT ED XXXX Balance Owed : {$0.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$8800.00}, US DEPT ED XXXX XXXX Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed XXXX {$6000.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed : {$8300.00}, US DEPT ED XXXX Balance Owed : {$5500.00} , US DEPT ED XXXX Balance Owed : {$7800.00}, US DEPT ED XXXX Balance Owed : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit report the same debt is shown twice, XXXX XXXX bank and XXXX XXXX XXXX shows the same debt, there for my credit score is being hit twice for the same debt, Equifax dispute system only has boxes for me to check to dispute a issue, this is not XXXX of those areas they allow a dispute, and they do not allow any me to add a written dispute about this with them, please help me correct my credit report XXXX XXXX had such a written system and removed XXXX XXXX bank the same day as i sent the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was alerted to a new trade line on my credit report for {$520.00} from XXXX XXXX. 
I made contact with XXXX XXXX, who informed me it was likely XXXX, a self reporting loan service. I contacted XXXX and they confirmed I do not have an account or loan with them. They have requested a police report and FTC report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the absence of my XXXXXXXX XXXX credit card account ( account number : XXXX XXXX XXXX XXXX ) from my credit report. This account has been active and in good standing, yet it is not being reflected on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to expect accurate and complete information on my credit report. The non-reporting of this account is affecting my credit history and score, potentially skewing the representation of my financial responsibility. 
Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), which amends the FCRA, you are required to take reasonable steps to ensure the completeness and accuracy of information in my credit report. By failing to include all relevant accounts, including this XXXXXXXX XXXX account, my credit report is incomplete, and this omission is negatively impacting my credit profile. 
I am requesting that you investigate this issue and contact XXXXXXXX XXXX to ensure that my account is reported correctly and reflected in my credit report. Please provide me with confirmation once this has been resolved or notify me of any steps that need to be taken on my end. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the correction or the results of your investigation within the 30-day period required by law under the FCRA.
Product: Payday loan, title loan, or personal loan

My husband has a title loan with One Main Financial. I am not on the loan account. My husband was in the hospital from XX/XX/XXXX through XXXX XXXX. While he was in the hospital our family had NO income. He had originally authorized automatic payments to be deducted from our joint checking account to pay this loan each month. Since our family could not pay the loan in XXXX i called One Main to explain the situation. They would not allow me to stop the automatic payment because i am not on the loan account. I called the CFPB and spoke with a woman who advised I write to One Main revoking authorization to take the payment out of our joint bank account. I wrote an email on XX/XX/XXXX but it was not 3 business days ahead of the withdrawal, and they took the money out of our account. Our checking account had a negative balance for 4 weeks after this. One Main did not deduct the payment for XXXX, however they did deduct the payment for XXXX. I called and spoke with someone in the One Main office who stated that my email was not received, then he said that it was only effective for one month, then he stated that my husband gave authorization to take payments out again, which he DID NOT. My email stated " As of today I am revoking authorization to take automatic payments out of our 'bank name ' account on file. '' So now they withdrew every dollar in our account and I have no money to feed our XXXX  children until our next paycheck in a week.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although receiving a result to resolve the dispute based on a previous complaint, the credit reporting bureaus have not updated my credit report at all in a timely manner. The XXXX XXXX account for the amount of {$960.00} was a result of identity theft. Both police and FTC Reports were filed accordingly over a month ago. Police reports XXXX and XXXX and FTC reports number XXXX.
Product: Debt collection

( PORTFOLIO RECOVERY ) IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE. THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED WHITIN 7 DAYS I WILL BE SEEKING REMEDY UNDER THE FCRA, UP TO {$1000.00} PER VIOLATION AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL TAKING LEGAL ACTION AGAINST ( PORTFOLIO RECOVERY ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 7 DAYS. THANK YOU.
Product: Debt collection

First National Collection Bureau Inc made a settlement offer of {$210.00} for a debt collection totalling {$540.00}. I have paid this settlement and the Cresditor refuses to mark this debt as settled in my credit report 30 days after payment as promised. Instead it was left open as being an unpaid debt.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute inaccurate items on my credit report. I have provided sufficient evidence showing that the item is fraud. 
XXXX. XXXX XXXX submitted documents proving fraud occurred 2. Affirm- was never given the option to dispute purchase. Affirm did not allow me to dispute
Product: Credit card or prepaid card

This has actually happened with two credit cards, XXXX XXXX and Kohl 's, and both occurred after I thought I'd submitted a payment or set up an auto payment. Both times I apparently didn't hit the confirm button, or made some other mistake because each time the payment was not received ( I have since paid the bills off, but I was charged late fees ). My question/complaint is this -- and I ask here because I can't find any information anywhere about this issue : neither credit card let me know my account was past due. Neither account let me know that a payment was not received. Had I known, I could have simply paid the bills the next day or as soon as they let me know. Are credit card companies permitted to not let customers know that they have an outstanding payment? I have alerts set up for my XXXX XXXX XXXX and my Kohl 's card, which I rarely use. They do not send me paper bills ; everything is via email or on their websites. At what point do credit card companies feel they should tell a customer that their payment is overdue? Are they allowed to say nothing until the lay payment ends up being reported? Since everything is on paper or automated now, this seems like a little loophole for companies to quietly collect late fees.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter XXXX states the following ; ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than XXXX  days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent b

elow. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed. 605 ( c ) running if the period ha
s also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. At this point they are in violation of XXXX FCRA laws. Last letter sent was by certified mail on XX/XX/2022. Please see attached for letter, invoices and proof of delivery confirmation. This inaccurate information has caused irreputable damages and each violation is a recoverable fine of {$1000.00} dollars. I have also filed a complaint with my attorneys general office and the better business bureau. Equifax is willfully furnishing this incorrect information. Equifax stated ( see statement below ) that the information was verified with the furnisher. That is not true because I have a letter from the furnisher denying that you verified anything with them. Equifax also stated that they received the information from XXXX XXXX. That also is false because I requested my consumer report from them and there is no Bankruptcy listed on my report. Equifax did not even read the paperwork I submitted because they would not have responded with a statement that contradicts the dispute with factual evidence. So who did Equifax verify the information with for them to state that it is verified??? This is the big question. I will pursue all of my legal rights and request damages for willfully furnishing false information. 
STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : A NON DISCHARGED/OPENED OR DISMISSED CHAPTER XXXX BANKRUPTCY WILL REMAIN ON THE CREDIT FILE XXXX YEARS FROM THE DATE FILED. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you XXXX visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You XXXX also obtain a free copy of your credit report on annualcreditreport.com.
Product: Credit card

I keep getting notifications from Credit Karma that I have excellent approval odds for a citi credit card. 

My husband and I are currently starting XXXX XXXX and are trying to pull every penny we have together so that we can afford to pay for it since neither of our insurance covers the cost. 

We have been working very hard to raise our XXXX XXXX and needed to take out a credit card to cover the {$10000.00} XXXX for XXXX. we decided because Credit Karma had guaranteed us excellent approval odds the only thing left to do was to take out a credit card to try to make sure we had enough money to pay for my medication. Without the medication, we can not start the XXXX procedure. We put our trust in Credit Karma and applied for the credit card.

I looked on the Credit Karma website for the best odds for credit cards that we would be approved for. Credit karma showed a few cards that said I had excellent approval odds for at 0 % interest. We decided to sign up and apply for the XXXX XXXX and were immediately declined by XXXX without explanation. 
I went on the chat to try to speak with a representative at Credit Karma to see why they were tell me I had excellent approval odds only to be declined and have my credit score affected. We need to take out a loan for the medication and now they have ruined my credit score by falsely advertising that I had excellent odds for a credit card when the credit card company immediately declined our application and ran my credit which is close to XXXX. 

This is very misleading and we are devastated. We thought that we had found a way to be able to pay for the medication by taking out the credit card that we were shown through Credit Karma that we had excellent approval odds for. Our hearts are broken and now they have done a hard credit check that is going to lower my credit score when we still need to take out a loan or a credit card to pay for my XXXX XXXX 

This is not fair at all, and I would like credit karma to be held responsible for their false and misleading advertising, giving us hope that we had a chance of getting this credit card when in fact, we did not. They should not have the right to give approval odds to anyone, if they are not certain they will go through. I would truly like help with this from you all before speaking to an attorney. Please let me know what my next steps are, because we are devastated and heartbroken over this and we were very misled by their false advertising.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I cosigned a car loan for my XXXX to get his car. Unbeknownst to me, that the dealer was doing several hard inquiries on my credit with multiple lenders. I would like to remove all companies from my credit that I DO NOT have any existing financial obligations, that have also done a hard inquiry on my credit reporting.
Product: Credit reporting or other personal consumer reports

Experian 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 and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 all of the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

This letter is sent in response to the email I received on XX/XX/year>. I am requesting that you provide Debt Validation Claim. According to 16USC1692G Please send the following information : Send me the full detail list of the payment history on this account. 
I want to see the original signature that I agree to on the contract for this creditor. 
Have there been any insurance claim found on this debt? 
I want to see the change of title that you have to collect on this debt. 
Whether this debt is within the statute of limitations and how that was determined.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX account # XXXX have violate my federally protected consumer rights. Under 15 U.S. C.1681 section 623 of the FCRA and Regulation V that a creditor must not furnish inaccurate information to a credit reporting agencies. XXXX XXXX did not investigate this dispute to confirm that the information is accurate. I am writing to dispute and request the removal of outdated information from my credit report, as provided for under Section 15 U.S.C. 1681p of the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from Experian Credit Bureau, I have identified information that is no longer relevant and should not be included in my credit history. Under 15 U.S.C. 1681 section 602A, I have the right to privacy.
Product: Checking or savings account

Upon reviewing my transaction history on XX/XX/year>, I noticed my balance was lower than expected. I found two discrepancies with my balance. XXXX being a debit card purchase at XXXX XXXX which posted on XX/XX/year> ; the debit was for {$89.00} but my balance decreased by {$290.00}. The other was a mobile purchase at XXXX which posted on XX/XX/year> for {$75.00}, which somehow decreased my total balance by {$120.00} according to my transaction history. I contacted Citibank support through the apps chat function and spoke with a XXXX on XX/XX/year>. I explained all of this to him but he said my total balances were completely different. He could not explain why my ledger would be showing something different for me than for him. I asked for a copy of his version of my transaction history be emailed to me, but have yet to receive it. He insisted there were no errors made but could not verify that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX violate my rights. 

15 U.S.C. 1681 Section 604 A Section 2 : States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.