23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I sent a letter to Portflio Recovery Associates, LLC to dispute account ending XXXX on my credit reports. I did not receive a response to the first letter so I sent another letter on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates , LLC stating that in response to my dispute they have enclosed additional documentation for my review. The letter states that they have completed their investigation concerning my dispute and the attached documents related to the account establish validity. Enclosed with the letter is a statement for a billing cycle from XX/XX/XXXX-XX/XX/XXXX in the amount of {$220.00}. This does not validate the debt reported to the credit bureaus. The balance reflected on my credit report is {$890.00}. On XX/XX/XXXX I received two letters from Porfolio Recovery Associates, LLC, the first letter provides details of the original creditor and the second letter advises me that any any further correspondence received would be ignored if no new information to form a new investigation is included. This is not a debt I owe and did not have an account with XXXX XXXX XXXX.
Product: Credit card or prepaid card

I don't believe Apple and Goldman Sachs are complying with federal regulations on credit cards. On XX/XX/XXXX I opened a dispute for a problem with a product of {$670.00} - at XXXX XXXX. The deadline for the merchant to respond has passed. I was informed that I would receive a provisional credit, but the credit never arrived. 
I was further informed that the dispute is resolved within 90 days. Today is XX/XX/XXXX and it's been more than 110 days since I have no provisional credit, and the problem has not been resolved, no credit back. I spoke for hours with supervisors on XX/XX/XXXX by phone, and the answer is simply, we don't know what happened. 

Disputes are not being processed correctly under XXXX XXXX. 
I need a solution urgently. This can not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX account ending in XXXX Account name : XXXX  account ending in XXXX, Account name : XXXX 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, states a consumer reporting agency can not furnish an account without my written furnish an account without my written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section states : 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 and crimes which antedates the report by 7 years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have already submitted a complaint to CFPB concerning Transunion 's false listing of an unpaid XXXX account. Since submitting it, I have located documentation of XXXX errant billing, if not outright scam. May I submit the documentation :? It is a file of XXXX bills sent to me from XXXX, to MY address MY business name, but the bills are to XXXX other people. And this has been done repeatedly. There is something seriously wrong with this company. They have nearly XXXX complaints or bad reviews on XXXX XXXX and the Better Business Bureau. I would like to know if there is some way to provide CFPB with this documentation, ( fake bills ). Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a long standing customer with Capital One ; I have always showed great diligence with paying my credit cards in timely manner. I have 4 payments showing late during XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. I have written letters to the CEO of this company, as well as made several phone calls to this company in an effort to have these remove these items as it has not only tainted my credit report, prohibited my growth, financially, and has strongly effected my ability to gain membership with Capital One and other creditors as well.
Product: Credit card

On XX/XX/2023 a Capitol One account was opened in my name without my knowledge or consent. I contacted Capitol One and XXXX to report and was advised to make a claim with the FTC.
Product: Credit card

After over 7 years of credit card purchases thru PNC BANK points Visa Signature Credit Card, I decided to utilize the points accumulated to purchase products from the rewards catalog. However, after logging into my account online discovered, that PNC stole XXXX points. After calling, the PNC representative acted surprised and said that a written response would be sent ( Exhibit A ) which stated that the points expired! This was never discussed or pointed out by the PNC branch manager when " selling '' the rewards program/credit card to me and hides notices in small print on the back of statements. In a Class Action Settlement XXXX XXXX XXXX XXXX this issue concerning forfeiture was addressed. I demand my hard earned points back along with any punitive orders due to stress and emotional distress. The schedule of events and statements are attached.
Product: Credit card

I have a synchrony care credit card. I have only made two purchases on the card. One in XXXX and one in XXXX of XXXX. Each month I pay XXXX $ by way of automatic withdrawal. Each month I have an interest charge on purchases always over XXXX $ and one interest charge of over XXXX XXXX The card is therefore never able to get paid off. This company is stealing money from me.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TRANSUNION regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX  Account Number : XXXX Date of Late Payment : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TRANSUNION disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reason : Please verify that late payment is made, I have never made a late payment, I have always paid on time Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TRANSUNION has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern The following Inquery showing on my credit are not mine.
Product: Credit reporting

I submitted a dispute XXXX/XXXX/16 and requesting information on ym report be validated with my original signature on documents and they failed to comply with my request so I sent a second dispute on XXXX/XXXX/16 and Experian sent me a stall letter stating that they have previously investigated my dispute and will not reinvestigate my dispute. I want all information that can not be verified or validated to be deleted off of my report.
Product: Debt collection

Received notification/s from credit reporting agencies around XX/XX/2023 of an account in collections for XXXX. This information was reported to the agencies by Credence Resource Management. I have never been contacted by US Mail or telephone to advise of this debt and given the opportunity to dispute or resolve. Ive filed disputes with the credit reporting agencies and to date still have not had any form of communication with the debt collector in regards to this alleged debt.
Product: Credit reporting or other personal consumer reports

Account with XXXX  credit account XXXX it is now XXXX XXXX this account is has been adversely affected my credit and i ask if it be removed i have no open account with company and its last report date was XXXX of XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer credit information is collected, shared, and used by credit reporting agencies. Regarding late payments, the FCRA includes provisions that govern the reporting of accurate and timely information to credit bureaus, as well as the process for disputing and correcting any inaccuracies on credit reports. 

Key points of the FCRA related to late payments include : Accurate Reporting : Creditors and lenders are responsible for reporting accurate and complete information about consumers ' credit behavior to the credit bureaus. This includes information about late payments, missed payments, defaults, and other credit-related activities. 

Timely Reporting : Creditors must report accurate information to credit bureaus in a timely manner. This includes reporting late payments accurately based on the actual payment history. 

Dispute Process : The FCRA grants consumers the right to dispute any inaccuracies on their credit reports. If a consumer believes that information, such as late payments, is reported incorrectly, they have the right to dispute it with the credit reporting agencies. 

Investigation of Disputes : When a consumer disputes information on their credit report, the credit reporting agencies ( Experian, XXXX, XXXX ) are required to investigate the dispute within a reasonable time frame, typically 30 days. During the investigation, the credit bureau will contact the data furnisher ( creditor or lender ) to verify the accuracy of the reported information. 

Correction of Errors : If an investigation reveals that the late payments or other reported information is inaccurate or can not be verified, the credit reporting agency must correct or delete that information from the consumer 's credit report. 

Notification to Consumers : Credit bureaus must notify consumers of the results of their dispute investigations. If the disputed information is changed or removed, the consumer should receive an updated copy of their credit report reflecting those changes. 

It's important to note that while the FCRA provides mechanisms for disputing and correcting inaccuracies on credit reports, it does not give consumers the right to remove accurate and verifiable information, such as legitimate late payments, from their credit reports before the standard reporting period, which is typically seven years from the date of delinquency. 

Consumers can always monitor their credit reports regularly, dispute inaccuracies, and work on improving their credit behavior over time to mitigate the impact of past late payments on their credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised TransUnion on several occasions that I was never late on my XXXXXXXX XXXX   account opened in XX/XX/XXXX, my XXXX XXXX account opened in XX/XX/XXXX, or my XXXX   XXXX account opened in XX/XX/XXXX. I have also advised that the XXXX XXXX account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX XXXX account opened in XX/XX/XXXX, the XXXX XXXXXXXX XXXX   XXXX XXXX XXXX account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX XXXXXXXX XXXX XXXXXXXX opened in XX/XX/XXXX, and the Chapter XXXX Bankruptcy closing date of XX/XX/XXXX is not mine this information is inaccurate and may be a result in identity theft. I have provided proof to TransUnion that this information is inaccurate. TransUnion has yet to prove their case on where they received this inaccurate information and refuse to remove the information from my credit file. Please help me get this matter resolved and have this inaccurate information removed from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost concern regarding unauthorized activities involving my personal information and credit profile. I declare under penalty of perjury, pursuant to the laws of the United States, that the following statement is true and accurate to the best of my knowledge.

I am aware of my rights under both federal and state law to file this dispute, and I understand the serious consequences associated with any intentional misrepresentations or omissions of material facts, as outlined in 18 U.S.C. 1001 and 18 U.S.C. 1621.

The discrepancies highlighted within my credit report, as outlined in the accompanying documentation, do not correspond to any transactions initiated or authorized by myself. I allege that an unknown individual or entity has unlawfully utilized my personal identifying information to secure goods, services, or financial resources, resulting in the unauthorized creation of accounts.This matter deeply concerns me, and I seek your urgent assistance in investigating this issue. I trust in the Federal Trade Commission 's commitment to addressing such fraudulent activities and safeguarding the rights of individuals under the law.
Product: Credit reporting or other personal consumer reports

My credit report contains inaccurate information, which is not meeting the standards outlined in the Fair credit reporting Act. The current reporting fails to meet legal requirement and I'm requesting removal of these accounts. Under 15 USC 1681b, which governs permissible purposes for reporting consumer information. The accounts listed below appear to lack a lawful purpose for being included in my consumer report and therefore, must be removed to comply with federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CREDIT BUREAUS FAILED TO CONDUCT REINVESTIGATIONS AND PROVIDE INVESTIGATION RESULTS
Product: Debt collection

After first notice on two of my credit report that I had pulled the year ending XXXX, XX/XX/XXXX, I did an online dispute, with ( XXXX ) ( XX/XX/XXXX ) debt was not mine, never live at the *address, or did not have such an *account that I am aware of. I no longer have the completed on the first dispute but came back saying the debt was *verified that's all. I did another dispute with ( XXXX most recently ) in XXXX ) Just recently after the reinvestigation dispute came back again with results saying verified and account updated, ( I notice *reporting dates are changing for some reason from initial reporting done in XX/XX/XXXX ) I have decided to address the collection company with a *Certified letter, sent on XX/XX/XXXX, for *action to delete/remove that information from my credit profile, I never lived at that address that I see connect to that account, and not aware of any such account exist. Show me proof of validation, history, and that they may be in violation of regulation *1006.30 Other prohibited practices ; I never receive any *information/communication ever from the collectors in regard to a notice implying this debt but they reported to the credit bureaus anyway. apparently on or about XXXX XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam Suburban Credit has not updated my account with XXXX or XXXX. It shows I still owe {$75.00}. Im a XXXX XXXX XXXX. I paid the agreed amount in FULL, in exchange for deletion of debt I owed. I paid this amount at great cost because I bought fewer groceries for many weeks to pay the full amount. Under the law they must update my account and report accurately! Ive tried to contact them but I have the reference number of the payment which I made to Suburban Credit.
Product: Credit card or prepaid card

I reported 3 unauthorized transactions on XX/XX/2023 {$99.00} {$99.00} {$99.00} as the merchant XXXX sent me an email telling me that my account has been compromised and to disregard any emails telling me about the orders made as they cancel them and if I see any charges on my bank statement to dispute it with my bank, did report this with my bank on XX/XX/2023 and Ive given them more than 10 business days to resolve. My issue anymore. Time is needed them provisional credit should be given to me within 10 business days as it states that in the terms and conditions they agreed too. Then XX/XX/2023 they concluded an error did occur but are now giving me the runaround about my claim and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw fraudulent accounts XXXX  opened on XX/XX/XXXX for the amount of {$490.00}, XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$13000.00}, XXXX/XXXX  opened on XX/XX/XXXX for the amount of {$300.00}, XXXX XXXX opened on XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX in the amount of {$430.00} and XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$1000.00}. I have disputed the above with all three credit bureaus. The above mentioned are still being reported as negative accounts trying to collect funds. These are not my accounts and under the Fair Credit Reporting Act, these fraudulent accounts need to be removed. The company I have hired to handle this issue has recently informed me that an identity theft affidavit has been sent off. Also my address is incorrect. It should be XXXX XXXX XXXX XXXX. XXXX NC XXXX and my job isn't XXXX it is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago, I received notification from my credit report that there was a collection item on my credit report that is a result of identity theft. I contacted the collection agency within the time allowed to advise them that the account was due to identity theft. I was told to fax them the identity theft report and they would remove the account. Today I notice that they have not removed the account from my XXXX report. XXXX and XXXX removed the accounts once they received the identity theft reports, but Amsher has failed to even try to remove this item from my report. Amsher was contacted in a timely manner at the time the 30 day collection notice came our, and they still placed this fraudulent item on my credit report.
Product: Checking or savings account

I scheduled a Bill Pay transaction through my bank to pay my local electric company on or about XX/XX/XXXX for the payment to arrive on or about XX/XX/XXXX. My payment failed due to non-sufficient funds and I was charged an NSF of {$29.00}. I am fine with this as it was my responsibility to ensure funds were available.
What accompanied this charge was an email 2 days later from my bank stating their Bill Pay Vendor had paid the bill on my behalf and that I would be charged to my bank account again. I had since paid the original bill with the electric company and contacted my bank to advise they needed to cancel the Bill Pay transaction. I advised them that no further attempts on my bank account were permitted for this transaction and yet I was charged another NSF for this even after I advised to stop payment.
I feel this is unlawful and deceitful.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This account is not accurate and do not belong to me.