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

In the scenario you've described, it seems that there are serious issues with inaccurate reporting by the consumer reporting agencies. Here 's a revised version of the response that brings up the relevant USC codes, failure to provide proof on previous disputes, and includes an invoice for damages with a demand for payment within 30 days : Subject : Formal Complaint Regarding Inaccurate Reporting and Violations of Consumer Rights Dear [ Consumer Reporting Agency ], I am writing to address the ongoing inaccuracies in my credit reports and the violations of my consumer rights by your agency. Upon reviewing my consumer reports, I have identified multiple accounts that are inaccurately listed as charged off, namely accounts numbered XXXX, XXXX, and XXXX. This inaccurate reporting is in direct violation of several provisions outlined in the United States Code ( USC ).

Specifically, your agency 's actions are in violation of the following USC codes : 1. USC 15 1681 - Fair Credit Reporting Act ( FCRA ) : This federal law mandates that consumer reporting agencies maintain accurate and fair credit reporting practices.

2. USC 15 1692 - Fair Debt Collection Practices Act ( FDCPA ) : This law prohibits abusive, deceptive, and unfair debt collection practices by debt collectors.

3. USC 26 6050P - Requirement to File Form 1
099-C : This section outlines the requirements for creditors to file Form 1099-C in cases of canceled debts.

Despite my previous disputes and requests for proof of the accuracy of the reported information, your agency has failed to provide the necessary documentation. This failure to comply with the FCRA and FDCPA is unacceptable and further compounds the inaccuracies in my credit reports.

Moreover, I have suffered significant damages as a result of these inaccurate reports, including but not limited to lost opportunities, increased interest rates, and mental distress. Therefore, I am attaching an invoice detailing the damages incurred, totaling [ Amount ] USD.

Per the provisions of the FCRA and FDCPA, I demand that your agency rectifies these inaccuracies and provides me with a corrected credit report within 30 days of receipt of this complaint. Additionally, I expect full payment of the damages outlined in the attached invoice within the same timeframe.

Failure to comply with these demands will leave me with no choice but to pursue legal action to enforce my rights under the aforementioned USC codes. I trust that your agency will take this matter seriously and act promptly to resolve these issues. 

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

I have contacted Experian numerous times for the last 5 years are so with the inaccurate information they have been reporting on my credit profile. I spoke to Experian Special Services on XX/XX/2023, they have promised me to fix the errors on the credit profile, yet they did not correct all of the information. 

I called Experian today and spoke to XXXX XXXX in XXXX. XXXX XXXX was not only disrespectful but declined to correct any of the inaccurate information. My call was transferred to XXXX XXXX, Special Services, I have to go through the similar situation, I have explained to XXXX XXXX about the issues on my credit profile, after several repetitions, I requested to speak to a Manager/Supervisor, as always I was told there is no one available. 

I am waiting for a Manager/Supervisor to call me back to understand the issues I have been facing for over 5 years now and correct my credit profile with accurate information.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I was going over my credit report when I noticed unauthorized items and i would like it to be removed. 

( XXXX, TransUnion XXXX XXXX ) ( XX/XX/XXXX, {$2100.00} XX/XX/XXXXXX/XX/2022 {$3500.00} XX/XX/XXXX ( XX/XX/XXXX {$760.00} XX/XX/XXXX ( XX/XX/XXXX, {$470.00} XX/XX/XXXX ( XXXX XXXX, {$260.00} XX/XX/XXXX ( XX/XX/ASPIRE, {$1300.00} XX/XX/XXXX ( XX/XX/MILESTONE, {$700.00} XX/XX/XXXX ( XXXX XXXX, {$3300.00} XX/XX/XXXX ( XXXX, XXXX, XXXX {$220.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX 
{$1300.00} XX/XX/2023 ( XXXXXX/XX/XXXXXXXX ) Bank Credit Cards XX/XX/XXXX ( XX/XX/XXXX ) Bank XXXX XXXX XX/XX/XXXX (XX/XX/XXXX ) Bank Credit Cards XX/XX/XXXX ( XX/XX/XXXX ) Personal Loan Companies XXXX XXXX, XXXX ( XX/XX/ASPIRE ) Bank Credit Cards XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX ) Bank Credit Cards XX/XX/XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been for the past 3-4 months have been disputing inaccurate information on my credit report with Experian, XXXX XXXX. I have sent in several letters asking to please properly validate these inaccurate negative items on my report. Experian, XXXX  XXXXhas FAILED to do so. I feel as if Experian, XXXX XXXX is conspiring with these collection agencies to defame my name! It's been MONTHS and nothing has changed. I have consulted with an attorney and before I retain his services I would FIRST like to see if Experian, XXXX XXXX  and I can resolve this issue without having to see a courtroom. I will await Experian, XXXX XXXX response before I disclose any of my personal information.
Product: Credit card or prepaid card

I was charged for something subject to a 60 day money back guarantee ; I requested the refund and offered to return the product. I have not received the refund.
Product: Mortgage

Bank of America, in over 17 years - 2006 to present has done the following. Failure to provide proper XXXX interest deductions while committing tax fraud. Resolved by court decision. Paying down {$31000.00} in principal reduction in 17 years while paying over {$300000.00} in mortgage payments. Failure to allow fully amortized payments. Did not take the initiative to resolve the problem. Servicing a loan which they could not legally sell. Changed vital information on mortgage statements. Failed to return overpayment upon request. Usurped " or more '' provision. Failed to acknowledge ownership of note. Each monthly statement has four payment options. B of A has control over options to offer or deny that always favor the bank, taking advantage of XXXX XXXX XXXX XXXX XXXX customers.
Product: Debt collection

After repeated early calls and calls while working, and throughout the day, I tried to ask this company why they were calling. They never explain what debt they are claiming, use aggressive language, refuse to send information in writing and keep calling multiple times a day. I told them do not call me again or i will file a harassment complaint with the ftc on XX/XX/XXXX, yet they still call every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted 2 disputes with XXXX  regarding Midland Credit Management reporting inaccurate information on my credit report. I called XXXX  on XX/XX/XXXX at XXXX and spoke to a representative. I explained the inaccuracy in reporting. The above-mentioned collection company bought my debt from XXXX on XX/XX/2020 but keeps reporting the payments are 1 month late. The report needs to state 13 months late. After 20 minutes on hold, XXXX  hung up on me. 

I didnt make any payment arrangements with Midland or request any COVID-19 payment relief. Ive been in communication with my debt collectors and have negotiated several settlements during the pandemic. Ive reached out to the collection agency to settle but they havent returned my calls. I want my credit report to reflect the true and correct late history.
Product: Credit card

I purchased a pair of shoes on XX/XX/XXXX from XXXX via XXXX using my CapitalOne credit card. XXXX recently allowed me to return the shoes and I received an email from them and from XXXX on XX/XX/XXXX confirming that the return was successfully processed and a refund had been issued. I waited but did not see a refund to my card so I contacted my card issuer and they suggested a dispute be filed. They issued me a provisional credit on XX/XX/XXXX and then denied my claim because the purchase date ( XX/XX/XXXX ) is too old. I have contacted both companies numerous times and neither has been able to locate the missing refund or provide me a resolution. Now I am out {$100.00} and I no longer have the shoes. This is unacceptable and unfair, Ive done all I can do as a consumer.
Product: Debt collection

I have insurance with XXXX and i decided to end my policy due because was to high i notify XXXX  and let them know i do not want to continue with my insurance so i was suggest to wait until the next month to paid for that and then terminate my policy but after do that next month was charge it again and i call to inform that i contact before with XXXX  regarding my intention but they continue saying i should paid for the next month anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months, I have seen my Credit Score drop almost XXXX points from XXXX to XXXX!! 

After multiple inquiries, I can not get a response that would explain why my score has decreased. There has been NO negative factors that might account for this type of change.. ALL credit cards are PAID in FULL monthly, I have NOT taken on any new debt or opened new Accounts ... 

My wife 's score of XXXX as reported in XXXX has also seen a notable decrease ... 

This is outrageous and I am looking for your assistance in getting to the bottom of the issue ... I have to believe that if that this is happening to my wife and I with OUTSTANDING credentials, there an underlying and systemic problem requiring immediate attention.. 

Please let me know how I can help with this matter.. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Transunion and XXXX are reporting unverifiable accounts on my consumer reports and I demand that they are deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out disputes to all three bureaus and I have yet to receive any response yet from XXXX, Equifax or XXXX. This is my third time sending in a dispute and waiting for a response. All i ask is for all three bureaus to investigate and update my inaccurate information on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late Payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX, Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer And the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of My report after the changes have been made will result in legal actions being taken against your company.1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability For willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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 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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I applied for a short term pay day loan but the payment amount and the schedule of payments were not available for viewing until after I signed the documents and saw that {$500.00} dollars would be taken from my account every 2 weeks. I tried to call the company and email them but I am put on hold for over an hour each time. Every time I try to log into my account I have to request a password change. I can't continue with the payment and want to see if I can change the amount being withdrawn. I can not pay over {$1000.00} every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this nightmare for 7 years now. XXXX and it's credit lenders are corporate bullies who pray on individuals. My XXXX XXXX Account was closed in XX/XX/XXXX. I was harassed and consistently bombarded by both XXXX and a collection agency. I continued making payments on a closed account in good faith and I slowly noticed that XXXX changed the information displayed on my credit report. In XX/XX/XXXX I realized they reported that my account was opened again even though it was indeed closed and I was not able to use my card again. It was clearly a relation move given the fact that I have made prior complaints to the CFPB and consumer agencies. At the end of XXXX, I called one of the many financials offices of XXXX credit cards and offered to pay the {$500.00} in late fees that were accessed throughout time even thought I had already paid off my original balance. The associate on the phone said not to pay it because my balance is scheduled to drop off my credit report in XXXX. However today, XX/XX/XXXX, after calling XXXX different departments, I learned that the company indeed reported that my account became delinquent in XX/XX/XXXX ( and not closed in XXXX ) and that it won't drop off of my report until XXXX!! When I asked what happened to my prior closure from XXXX, THEY SAID THAT THEIR SYSTEMS CAN NOT ACCESS DATA FROM XXXX! This is fraud and fraudulent activity in addition to targeted bullying. **Backstory on delinquency.. I changed jobs in XXXX and delayed on 2 months of pay on my XXXX XXXX and they had no REMORSE. They immediately closed my account. I have an 100 % payment record on my credit report and prior to XXXX I ALWAYS paid my Macys account on-time. They are corporate bullies.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ EQUIFAX ] for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act.

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EQUIFAX has failed to comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of EQUIFAX to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EQUIFAX upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

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

In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only TransUnion and XXXX. This has caused undue stress in trying to remove or validate this inaccurate information. This information appears from XXXX and keeps reappearing with different payment dates, payment amounts and even as a duplicate. 

In accordance with the fair credit reporting XXXX XXXX account # XXXX and XXXX XXXX account # XXXX are violating my my rights, which state that negative and outdated information can not reappear after it is found to be fraudulent and/or not validated. 

15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

I did not provide a wet signature or permission for these accounts to be reported nor should they be reported form XXXX. Illinois consumer law prohibits reporting after 5 years. 

I demand that these accounts be removed from my credit reporting file.
Product: Debt collection

I am not aware of this debt and have not received any notification. Please furnish the Certified Mail Receipt bearing my signature if you have provided me with the appropriate notification. 

I am formally requesting verification of the alleged debt dated XX/XX/2024. To date, I have not received any correspondence or confirmation regarding my previous requests for verification and a cease-and-desist order. 

The SEQUIUM XXXX account, with a balance of {$1800.00}, contains several inaccuracies and incomplete pieces of information that need to be addressed, along with clarification on the steps taken to ensure the accuracy of the reported account. 
Specifically, these inaccuracies include the absence of recorded information in the two-year payment history from the XXXX bureaus. Furthermore, there are inconsistencies and incompleteness in the information provided by XXXX, XXXX, and XXXX regarding monthly payments, date opened, number of months, high credit, credit limit, past due amount, last reported date, comments, date last active, and date of the last payment. 

In light of these inaccuracies, I request a thorough investigation into these discrepancies and prompt resolution of this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL ACCOUNTS NEED TO BE REMOVED BECAUSE I AM A VICTIM OF IDENTITY THEFT FROM YEARS AGO. XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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: Payday loan, title loan, personal loan, or advance loan

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Monterey Financial for their repeated refusal to address my request for the missing {$73.00} owed. Despite multiple attempts to communicate and resolve the issue, Monterey Financial has ignored my inquiries and failed to provide a satisfactory resolution.

Initially, Monterey Financial acknowledged my request to cease communication regarding the matter. However, upon my confirmation to resume contact with them, they have consistently ghosted me, refusing to respond to my subsequent messages inquiring about the missing funds. 

To provide context, I received a partial refund check from Monterey Financial for {$220.00}, but I am still owed an additional {$73.00}. XXXX XXXX XXXX, with whom I had been in contact regarding this matter, confirmed this discrepancy. According to XXXX XXXX XXXX representative XXXX XXXX, I am rightfully owed {$300.00}. 

It is deeply concerning and unacceptable that Monterey Financial is playing games with my money, evading communication, and failing to fulfill its financial obligations. As a consumer, I expect transparency, professionalism, and timely resolution from financial institutions. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to ensure that Monterey Financial is obligated to provide the remaining {$73.00} owed to me without further delay or evasion. 

Thank you for your attention to this matter.