23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Based on the incident in CFPB complaint XXXX, I believe that XXXX violated the Fair Credit Reporting Act ( FCRA ) in their XXXX and XXXX reports to Experian Inc .

Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Key provisions include : Right to Access Information : Consumers have the right to know what is in their credit report. This includes the right to request and obtain all the information about them in the files of a consumer reporting agency. 
Notification of Adverse Actions : If information in a credit report is used against a consumer, such as denying credit or taking other adverse actions, the consumer must be notified and provided with the name, address, and phone number of the agency that provided the information. 
Dispute Inaccurate Information : Consumers have the right to dispute incomplete or inaccurate information. The c

redit reporting agency must investigate unless the dispute is frivolous. California Law : California Consumer Credit Reporting Agencies Act ( CCRAA ) The California Consumer Credit Reporting Agencies Act ( CCRAA ) provides additional protections for California residents : Accuracy and Fairness : The CCRAA mandates that credit reporting agencies ensure the accuracy and fairness of the information they collect and report. Consumer Rights : Consumers have the right to access their credit reports and dispute any inaccuracies. The CCRAA requires
credit reporting agencies to provide consumers with access to their credit reports at least once annually, free of charge. Confidentiality : The CCRAA emphasizes the confidentiality of consumer data and requires credit agencies to take reasonable steps to prot
ect it from unauthorized access.

Violation of FCRA and CCRAA : XXXX 's failure to provide me with access to your account information and the inability to verify balances and payments may constitute a violation of both the FCRA and CCRAA. These laws require credit reporting agencies and creditors to ensure the accuracy and accessibility of consumer information. 
Failure to Notify : If XXXX has reported negative information without providing me with the necessary details to verify and dispute the information, this may also be a violation of my rights under the FCRA and CCRAA.
Product: Credit card or prepaid card

I received a statement in XX/XX/2022. It said the account is suspended but to make a payment of {$180.00} to reinstated. I went ahead and made a full payment. Capital one did not reinstated my credit card. I called them and the lady XXXX stated that there was a letter sent in XXXX stating that if the payment is not paid by XX/XX/XXXX then the account will be closed. I explained to XXXX the letter was not received. I live in Florida by the end of XXXX beginning XXXX we had went through hurricane Ian. XXXX stated the letter was mailed on the XXXX and I explained with everything going on I never received it. The XXXX statement was sent XX/XX/XXXX. By sending the letter with a due date of the XXXX of XXXX and then sending a statement with a due date of XX/XX/XXXX and indicating it will be reinstated. XXXX should automatically oversee whatever the XXXX letter stated.
Product: Student loan

This morning on XX/XX/2022 I receive a picture message from my co-signer giving a past due notice. Meanwhile Sallie Mae should be well aware that I have been having financial troubles with paying my loan. Every single time I call them its always an issue, every single time I call its always a problem, and every single time I call nothing seems to get resolved, and it seems to be nothing but an uphill battle every single month to get a reasonable solution. I have been dealing with this for six years and I am at my breaking point, because nothing seems to change. They are preventing me from moving on, and they will not help me refinance. I am beyond livid and I want a change now, and feel like I rightfully deserve one.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Inquiry on Credit Report Dear XXXX Credit Bureau Name ], I am writing to formally dispute an inaccurate hard inquiry that appears on my credit report. The inquiry in question is from FOURSIGHT CA, dated XX/XX/year>. I did not authorize this inquiry, and it is negatively impacting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report. I kindly request that you remove the unauthorized inquiry from my report.

Enclosed, you will find a copy of my credit report highlighting the disputed inquiry, along with a copy of my identification for verification purposes. Please provide me with written confirmation once the inquiry has been removed.

I appreciate your prompt attention to this matter. Please respond within the timeframe required by the FCRA. You may contact me at the phone number or email provided above if you require further information. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant .617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is not accurate. The items that appear on my credit report as unknown addresses please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are phone numbers on my file that do not belong to me plead delete remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is derogatory in nature as well as not accurate. The items that appear on my credit report as : 1. US BANKRUPTCY : thisfiling has missing data and is not accurate please delete. 
XXXXXXXX XXXX  XXXX # XXXX : This account is listed wrong and error please delete. 
XXXX. XXXXXXXX XXXX XXXX  # XXXX : THis account is not listed properly error please delete. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX : This account was discharged and listed improperly please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXXt/XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX/XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
Product: Credit reporting or other personal consumer reports

Please investigate the pattern of unethical practices with Transunion and XXXX XXXX investigative processes. Both of these companies have initiated intimidation practices to prevent consumers from exercising their rights under the Fair Credit Reporting Act. In response to consumers ' requesting investigation of inaccurate information on credit reports, Transunion and XXXX are blocking consumers ' credit reports and restricting consumers ' access to view their credit reports and/or investigative results. In addition, creating obstacles when consumers ' realize the report is blocked and request that it be unblocked by advising consumers ' they need to print a physical copy of their driver 's license and social security card, go to the post office, spend their own money and mail their sensitive information to the credit agency in order to have access to their own credit reports. Asking these agencies to comply with the Fair Credit Reporting Act and investigate inaccurate information appears to result in illegal, punitive action to scare consumers into not disputing inaccurate information found on Transunion and XXXX credit reports. 

The Fair Credit Reporting Act ( FCRA ) is the primary federal law that regulates credit bureaus and protects consumers credit information. Under the Economic Growth, Regulatory Relief, and Consumer Protection Act ( XXXX ), credit bureaus can not lock or freeze your credit report without your consent. This law mandates that : 1. Consumers have the right to freeze and unfreeze their credit reports for free at all three major credit bureaus ( XXXX, XXXX, and TransUnion ). 2. Credit bureaus can not lock or freeze a credit report without the consumers explicit request. 3. Credit freezes must be lifted upon requestwithin one hour if requested online or by phone. I did not request that Transunion block my credit report and I am demanding my report be unlocked immediately. Following a request for Transunion to investigate incorrect information on my credit report, Transunion placed a block on my credit report, preventing me or any creditors I give consent to access my credit report. I contacted Transunion on XX/XX/XXXX and requested to have my credit report unlocked and Transunion refused to do so, despite the FCRA stating this must be completed with 1 hour of the consumer 's request. In addition, these credit reporting agencies have experienced data breaches, proving they can not safely handle consumer information, therefore they should refrain from requesting that consumers ' make paper copies of driver 's license and social security card and mail it to their office. This practice needs to be investigated, as we have no idea who will have access to these physical copies of sensitive information, which employee, in which country or on which continent.
Product: Debt collection

I have a XXXX Credit Card which is back by Comenity Bank. I missed a payment on XXXX XXXX following this with in the next few days they had started to call me multiple times a day from XXXX, XXXX, and blocked numbers. I received up to XXXX calls a day. I had called multiple times to ask them to stop harassing me. Call center reps said they would stop calling, then hang up on me. I would continue getting calls within an hour. I spoke with a manager who was extremely rude and stated I was calling him a liar because they never tried to call me. Despite the fact I provided proof of the calls and informed him they were violating the Fair Debt Collection Practices Act. He also claims they don't make calls from the XXXX despite the fact it is their " local '' number and you can call it and it sends you to the same place as their XXXX number.
Product: Debt collection

Allied Interstate contacted me after I had my attorney deal with Allied Interstate 's Client XXXX XXXX. There was an out of court settlement and the matter is confidential. Regardless there should have never been any form of communciation between Allied Interstate or and any third party agency representing XXXX XXXX XXXX. They ( XXXX XXXX XXXX XXXX was offered a ciece and desist during the confidential communications between my lawyer the collection agency client. The letter should have never been mailed. The debt should have never been sent to Allied Interstate. I believe that this is a form of severe harassment as outlined in US Code 15 Fair Debt, Collections Practices Act. As Allied has failed to respond to many written correspondence. I am informing your office amounf others and my acting attorney at the time for possible litigation against XXXX XXXX XXXX and XXXX and Allied Interstate. I am offering the company Allied Interstate an out of court settlement of {$5000.00} make payable to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX within the next 30 days.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Inaccurate Information Due to Identity Theft The reporting of the account associated with my name and the listed property associated with Court Case # XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, the information provided does not pertain to my identity and must be removed immediately. 

Under 18 U.S. Code 1028A, aggravated identity theft is a federal crime, and in accordance with 15 U.S. Code 1681c-2, you are legally obligated to block any information on my credit report that results from identity theft, including public records. As this account is the result of fraudulent activity, I request that you comply with the statutory requirement to block this information from my TransUnion and XXXX housing report. The continued inclusion of this fraudulent data is a clear violation of my rights under federal law. 

I expect the removal of all information related to this case and the listed property from my file. Please take immediate action to investigate this matter and block the fraudulent information within XXXX business days, as required by the FCRA. 

Failure to comply with these legal obligations will leave me with no choice but to pursue further action to protect my rights, including legal remedies. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle FAILED to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate the Zelle was not only neglecting to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX XXXX made a hard inquiry into my credit. Ive never heard of this company, absolutely did not authorize an inquiry, and can not find contact information to get a hold of the company directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal notice of an intent to sue with Experian Ive tried 4x to get this issues resolved and they come back saying investigation verified how are you verifying this information I wasnt given a full file disclosure and also you are using my information without my written consent which is identity theft, According to 15 USC 1681 ( 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 subchapter which Experian did not follow 15 USC 1681 ( a ) ( 4 ) Accuracy and fairness of credit reporting : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy which Experian did not give me using my private information without my consent and making these derogatory reportings Experian reported information onto my consumer reports based off of transactions and experiences without my consent and this is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ) According to the XXXX XXXX Act I was suppose to get a chance to direct whether I wanted information about a transaction onto my report or not, I wasnt and Experian did post transactions anyway According to 15 USC 1681b ( a ) ( 2 ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give Experian written instruction to report any of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my collection in full on XX/XX/XXXX with XXXX XXXX XXXX. On XX/XX/XXXX, they put a collection on my credit report and reported the balance as unpaid. I submitted a bank statement showing that I paid the balance. XXXX reported back to me that the company says the reported balance is correct and closed my dispute even after I gave proof. They are just taking the company 's word for it. I called the company and they said that this is XXXX 's error, not theirs. XXXX says it is the company. I don't know what to do. I have other mistakes on my XXXX credit report as well, and I am afraid that XXXX will leave these discrepancies there. National Credit adjusters has the date that my account defaulted wrong, which would make the account stay on my credit report longer. I went delinquent in XX/XX/XXXX, and on my XXXX credit report, it says XX/XX/XXXX. I disputed this a long time ago and a response was not given. Months! I disputed again. I am hoping someone will help me get these errors fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is ineffective
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX  person as of XX/XX/XXXX XXXX XXXX XXXX by Social Security XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX XXXX I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I am enclosing copies of supporting evidence of time of sale XX/XX/XXXX. The customer had a valid driver 's license. Customer did in fact produce a valid drivers license. Customer produced proof of insurance. While customer did produce proof of insurance, she was approximately {$820.00} behind on XXXX XXXX XXXX payments which she paid {$400.00} on XX/XX/XXXX XXXX pm. She produced insurance, not valid up to date coverage insurance. XXXX XXXX XXXX should produce records where the remaining {$410.00} was paid. The customer did in fact produce a picture on her phone of her paystubs. The customer did not fill out the credit application. The credit application was typed in on XXXX 's computer merely asking customer the questions on the application. The credit application was fraudulent. In fact, the customer under Employment title is a XXXX XXXX XXXX XXXX, not a XXXX, under Employment Type Professional, in fact customer is not a XXXX Under XXXX XXXX shows {$4400.00} per month when in fact the customer makes {$1400.00} per month based on XXXX tax return {$17000.00}. XXXX XXXX stated customer was XXXX w/relatives, when in fact she was living at the address as stated on the XXXX XXXX XX/XX/XXXX Monthly Rent/Mortgage stated {$0.00} when in fact the customer was paying {$690.00} a month rent XX/XX/XXXX. The credit application was not fully completed, falsely submitted by XXXX XXXX XXXX XXXX Ally Bank approving the customer for a loan she could not afford. But fact shows customer was approved for credit by Ally Bank for {$31000.00} @ XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX years ) payment of {$610.00} monthly, XXXX warranty add on of {$4000.00}, XXXX & XXXX XXXX XXXX {$1500.00} based on false information on the credit application. Customer denies knowledge of false information submitted on the credit application. Based on evidence submitted, the customer has XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, and XXXX. She is limited in her self-help skills and daily living skills. Because of these faults of XXXX XXXX XXXX they damaged the customer, exploited her, XXXX XXXX the XXXX repossessed, lost her life savings, and entered a XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting that I have a 3 late payments when I have not been late on any credit card payements its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the items my be deleted from my report as soon as possible