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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1. Fifth Third Bank, Account # XXXX, Address ID # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX 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: Debt collection

A collection account has been added to my credit report for an amount {$340.00} that I do not owe. 

Debt Collector Info : MBA Law  XXXX XXXX XXXX XXXX TX XXXX Here is an excerpt of a letter I sent on XX/XX/XXXX explaining why I did not owe : I received a call prior to the procedure from the providers insurance department. I was told that my share of the cost ( after insurance coverage ) was {$200.00}. I then scheduled the procedure. When I arrived at the provider location, I was asked to pay {$540.00}. I explained my conversation with their insurance department which stated I would have a {$200.00} out of pocket cost. I was told by the check in person that they would accept the {$200.00} so I paid that amount and had the procedure performed. 

Here is an excerpt from a letter I sent to MBA Law on XX/XX/XXXX after MBA Law placed this on my credit bureau report : This is in response to your letter dated XX/XX/XXXX regarding a balance owed for services from XXXX in XXXX. 

There is no dispute that I received these services. The dispute arises from the fact that I called to schedule my procedure and asked about the out of pocket before I booked the day and time. As you can see from the enclosed letter copy dated XX/XX/XXXX that I was told that my out of pocket due at the time of check in will be {$200.00}. When I arrived for my appointment, I was told it will be {$540.00}. I explained my conversation with their insurance verification team and was told {$00.00} and they said they would accept the {$200.00}. 

Please have your client honor their commitment. 

Further Notes : I received no prior notification of the debt before the collection was placed on my bureau report. No phone call, no letter, nothing. Super unfair to do this without even talking to me.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX is reporting inaccurate payment history I dispute this account several times withe reporting agencies and each time it came back that the account was verified by the furnisher which is XXXXXXXX XXXX XXXX according to them the account was verify by your company. I want to know how this information was verify as it is clearly reporting inaccurate. XX/XX/year> is reporting on time but XXXX is reporting 60 days late XX/XX/year> thru XXXX is missing data but XXXX thru XXXX is reporting charge off. According to the law ( FCRA ) anything reporting on a credit reporting must be accurate and complete. Not only is this account not reporting accurate it has been illegally age. Im reaching out to give you a opportunity to fix this account in a timely manner manner if this issue is not fixed I have not choice but to pursue legal action against XXXX XXXX and Equifax and XXXX. as this hurting my credit and reputation.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligation under a fair credit reporting act FRCA to conduct a reasonable reinvestigation of disputed information on my cresdit report, leaving inaccurate or 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 evidences to finishers accepting unreliable responses and failing to adequately notify consumers of disputed information outcomes.These failures align with my experience where experian has neither corrected or removed disputed items despite the evidences I provided, causing ongoing harm to my credit standing.

I am requesting immediate corrective action to remove or amend the disputed accounts as experians inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance account has been closed since 2011 and still appears on my credit report with inaccurate information. The account was paid in full in XX/XX/2011. I've disputed this several times with XXXX  and nothing has changed.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

HSBC claims they disbursed funds for a closed account ( which still had a balance of {$490.00} ) but I never received any check. I've made numerous phonecalls including a 2 hour call today. Two times they tried transferring me to a wrong number. I still do not have the funds.
Product: Debt collection

XXXX 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 Subject : Debt Validation Request for the following Account XXXX Dear XXXX, I am writing to formally request a validation of the debt reported on my credit report under the account number referenced above. This debt is listed as owed to CONNS for the amount of {$6400.00}. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a validation of the debts accuracy and legitimacy. Please provide me with the following information to validate this debt : Creditors Full Contact Information : Including the name and address of the original creditor. 
Date of Account Opening : Verification of the date the account was opened and the date it was first reported to the credit bureau.

Date of Last Payment : Documentation of the last payment made, including the amount and date.

Proof of Debt Ownership : Any documents showing that I am indeed responsible for this debt.

Validation of Debt Amount : A breakdown of the amount owed, including interest, fees, and any payments made.

Legal Right to Collect : Proof that the debt collector has the legal right to collect this debt. 
In the event that you can not validate the debt with the above information, I respectfully request that this entry be deleted from my credit report. Please respond within XXXX days of receipt of this letter as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Chase - J.P. Morgan Bank, N.A. 
XXXX, Ohio XXXX They have closed my account and I can not take out my checking account money ( {$32000.00} ) and retirement amount of {$550.00} for a total of {$32000.00}. Date was XX/XX/2020. I have tried many times to get my money but they are refusing. 
They have accused my Husband of money laundering and fraud. He has proven to them that is not true. They have refused giving both our money back to us. We had ( have ) separate accounts but my name was on his account as beneficiary and he was on mine as beneficiary. 

Hope you can help - my last resort is hiring a lawyer.
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ''. Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX, XXXX are a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " 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. '' The financial institutions XXXX XXXX XXXX XXXXXXXX XXXX, XXXX and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX, XXXX XXXX & XXXX XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may no disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX, XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 USC CODE 1681 s-2 ( A ) ( I ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. 15 U.S CODE 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax, XXXX, and XXXX, are not maintaining reasonable procedures. Also 12CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  notified me on XXXX that I had missed a payment on my XXXX XXXX XXXX land loan. I called the bank immediately and they told me that my account was fine and they had no idea why it posted that to my credit report. They assured me nothing was wrong. They then called me back and said that the person that needed to fix my account was not in and would be in the next day and to not worry because everything was fine. The next week I got a letter in the mail that my payment was late so I called again and they told me to ignore it and that my account was fine and in good standing. I ran my credit again late XXXX and it shows the late payment still so I called back to be told they can't help me but if I dispute it, they will then remove the late fee. I have disputed it 3 times and it keeps remaining the same. I called again today to XXXX XXXX XXXX and they refused to help me and transferred me to XXXX 's VM. I have not heard back at all. This is not an acceptable item to have on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian continue to report transaction history to my personal consumer report, violating 15b USC 1681b. None of the XXXX aforementioned credit reporting agencies have received my consent or authorization to report this information. The only exclusion permittable related to transactions is between the consumer and the person making the report. Each of these credit reporting agencies, as of today XX/XX/2024, report XXXX adverse items to my personal consumer report. That is XXXX violations of the Fair Credit Reporting Act by each credit reporting agency listed above.
Product: Credit card

Please See The ATTACHMENT " Dispute CareCredit ''. 

CareCredit ( Synchrony Bank ) has reported to the Credit Bureaus an erroneous balance when the dental SERVICE WAS NOT DELIVERED and i have been disputing the charge ( {$1200.00} since XXXX ). 

Dental Service was not delivered because i canceled the appointment on XXXX when i discovered that XXXX  contains porcelain which is VULNERABLE TO CRACKING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in regards to the erroneous accounts being reported by the Credit Bureaus on my Credit Report. I have read that the Credit Reporting Agencies are required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I previously submitted a CFPB Complaint last XX/XX/2022, requesting the Credit Bureau to update the payment history of the accounts in dispute. Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late on. If the Credit Bureaus chose to not comply with the law and does not correct the payment status of the following accounts, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureaus to correct the following accounts : XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$1400.00}
Product: Student loan

I just do n't make enough money to repay these loans. XXXX made me take out loans against my better judgement as a XXXX XXXX XXXX child with XXXX XXXX XXXX XXXX, and Great Lakes Student Loans. 

To XXXX XXXX XXXX XXXX i owe - {$23000.00} To Great Lakes Student Loans i owe - {$49000.00} This was all for a XXXX XXXX XXXX no one will even look at because it says XXXX on it. Please help i am getting physically ill from the stress of dealing with these people.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts, I have been unable to resolve the issue of fraudulent credit inquiries appearing on my consumer report. These inquiries have no connection to me whatsoever, and I am in no way responsible for them. Their presence has caused me significant mental and financial distress. As a victim of identity theft, I may have no choice but to pursue legal action if this matter is not properly resolved. These inaccurate and fraudulent items on my credit report have hindered my ability to purchase my dream home and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), outlining this issue and seeking resolution.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

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

Inaccurate reporting on all 3 bureaus also fraudulent reporting demand account deletion and block XXXX Show no reporting XXXX shows reporting on time payments XXXX Show no reporting Demand account deletion on XXXX and blocked
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

I applied for a Walmart 's credit card, on XX/XX/XXXX, according to the details in my credit report, and, yes I was approved but I never had received the credit card and the credit limit on the credit card was in the amount of {$600.00}. I had then contacted Walmart 's credit department at their corporate office in Texas when I was told by a representative that the card was sent out, I then told the rep. that I had never received the credit card, the rep. apologized and asked me if I would like them to resend the credit card and I replied, " yes '', but once again I never received credit card again. I contacted Walmart again and requested that the card be cancelled. The card was cancelled on XX/XX/XXXX, according to my recent credit report, but that doesn't seem accurate because in approximately 3 or 4 years ago, there was debit charge amount of {$400.00} affecting my credit score by Walmart because someone had or was using my Walmart credit card illegally and I'm sure that Walmart was in accessary to it, which is why I'm making this complaint against Walmart, regarding their fraudulent involvement in this matter. I had to make complaints against Walmart 's bad behaviour before in the past, so I know how disruptive they can be. Also, in my credit report regarding this Walmart credit card, it states that the credit card was paid out and then closed, but how could that be when I never used or received a Walmarts credit card, ever! It also states in my credit report that a Walmart charge account was opened and then closed in XX/XX/XXXX, and I don't know anything about that neither. Also, I recently contacted Walmart to try to get some important info regarding this mysterious, fraudulent item on my credit report, like the account number, but Walmart wouldn't cooperate like they should have, on XX/XX/XXXX. They also had tried to lie to me by telling me that there was only one account after they had already told me that there was 2. I know that Walmart knew that the credit card would be intercepted after they had sent that card out to me, they are involved in this fraud.
Product: Credit reporting

Three weeks ago, I mailed Experian XXXX specific things that I believe are incorrect on my credit report and asked them to investigate. On Saturday, I received a response in the mail saying : " We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. 
... 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. '' This is ridiculous, because I included a copy of my drivers license in the mailed correspondence. I contacted Experian on the phone yesterday, and the representative could not access my information. She also could not allow me to verify my identity so that those items could be investigated. She only said that I could tell her on the phone what my issues were. 

My rights as a consumer are being violated. Experian should have removed the incorrect information from my report right away, and instead they are refusing to even investigate if it is correct. I sent my complaint in the mail because I wanted to use my own words to describe the issues and not have some random person on the phone use hers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account created with the XXXX XXXX services was fraud and it was reported to them, repeatedly over the last XXXX  years. 
. I submitted documentation, notarized letters and affidavits as they requested, as to verify that I did not apply for any loan. 
The loan was in my name on behalf of my daughter. Again, I never completed nor signed any application. 
I also inquired with my daughter and she submitted documents as well. 
XXXX XXXX servicing was supposed to remove this error from all public information, including my credit report, but they didn't. 
Many years later ( XXXX ) Social Security XXXX began paying funds from my XXXX check to XXXX lXXXX XXXX 
I notified Social security XXXX of this error, but they continued submitting payments to the XXXX XXXX XXXX account, this should never have occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had on late payments on an account that I for sure paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date. XX/XX/2023 and XX/XX/2023. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.