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

On XX/XX/XXXX I paid {$18.00} for a certified letter to Experian containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized, a federal trade commission identity theft affidavit and my drivers license. 

On XX/XX/XXXX I requested a Fraud Alert be placed on my credit reports to prevent any further unauthorized/fraudulent activity. 

On XX/XX/XXXX I received confirmation that Experian received my certified letter and it's contents. 

As of XX/XX/XXXX, I paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. 

As of XX/XX/XXXX, I paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. 

As of XX/XX/XXXX, I paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. 

As of XX/XX/XXXX, I paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. 

As of XX/XX/XXXX, I again, paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. There are fraudulent/unauthorized inquiries which I did not authorize nor give permission to run on my credit. 

In compliance with the Fair Credit Reporting Act, Section 611, the credit bureau Experian has 30 days to review and remove my ( consumer ) complaint. 

It is now XX/XX/XXXX and It has been OVER 180 days with no solution or response and now I am submitting a request for help with the Consumer Finance Protection Bureau to resolve this matter as soon as possible. 

In this process of fraudulent/unauthorized inquiries and trying to rectify my credit, I have paid over {$140.00} to resolve this urgent matter.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate 30-day late payment reporting on my XXXX  account. I have never been 30 days late on this account, and I request an immediate investigation and correction of this error. 

Additionally, I would like to request a grace period or non-penalty consideration under federal consumer protection laws, as I have been out of work due to a XXXX. Under the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), creditors and credit bureaus must ensure fair and accurate reporting and consider extenuating circumstances that may impact a consumers ability to make timely payments. Given my situation, I request that any negative reporting associated with my account be removed in consideration of these protections. 

I have included documents to substantiate my claim. Please update my credit report accordingly and provide me with written confirmation once this correction has been made. 

Thank you for your prompt attention to this matter. I appreciate your consideration and look forward to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX  and Account number XXXX XXXX XXXX also has violated my rights. 
15USC 1681 Section 605 states i have the right to privacy.

15USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit planas late for any purpose
Product: Vehicle loan or lease

At the beginning of XX/XX/2018 I contacted State Farm to make an auto loan payment. It was too close to the payment due date for me to mail a payment in and State Farm 's online portal would not allow me to make a payment online. I then contacted them by phone to make the payment over the phone but the agent would not accept my payment. I was then forced to mail in the payment at which point State Farm reported a late payment on my credit.

State Farm made it incredibly difficult for me to make the payment on time and this should not have affected my credit due to their lack of ability to accept my payment.

I contacted State Farm on three different occasions directly to resolve this and they would not help and all agents I spoke to were either rude or unwilling to even try and resolve the issue. I used the credit agencies dispute process 1-2 times as well after that and State Farm still denied the claim and did not help.

I have 3 1/2 years of perfect payments on this account and this is the only payment that is showing late, so it should be clear that I pay this loan on time.
Product: Debt collection

SUNRISE CREDIT SERVICES Account number XXXX I received a letter stating that this account would be removed directly from SUNRISE CREDIT SERVICES they failed to provide proper validation and verification as specified in FDCPA Act. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows, SUNRISE CREDIT SERVICES, or any third party law firms and collection agencies are in accordance with the OHIO LAW 1319.12 ORC. License required ; application ; fees.
Product: Credit reporting or other personal consumer reports

After checking my credit report from Transunion I found numerous inquiries that I did not consent to. these companies have violated my right to privacy and used my information without my knowledge. I do not know how these companies got ahold of my information and I understand that it is the responsibility of the consumer reporting agency to verify and make sure the information being reported is fair and accurate. My information was apart of a data breach and could have easily been compromised and exploited by these companies. After contacting Transunion I was told that there is nothing they can do multiple times. I understand that i have certain rights and laws that protect against these things and do not wish to pursue any legal action as long as the outrages amounts of inquiries are removed. 
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

Account name : XXXXXXXX XXXX Account number:XXXX Investigate the completeness and accuracy of every piece of information is not accurate, Account name : DEPT OF EDUCATIONED/XXXX  Account number:XXXX Investigate the completeness and accuracy of every piece of information is not accurate Account name : name : XXXX Account numberXXXX Investigate the completeness and accuracy of every piece of information is not accurate Account name : XXXX XXXXXXXX Account numberXXXX  Investigate the completeness and accuracy of every piece of information is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am wirting to advise of debt collection that has been satifed and requested for pay of deletion. I was advised that I must forward any and all documents to credit bureau for removal. I advised by collection company that they may or may not send updates. I under this to be a direct violation of FDCPA requesting removal of account from XXXX XXXX account number XXXX and credit bureua reporting number XXXX for the satified payment amount to close and delete from all credit reporting in the amount of {$290.00}.
Product: Credit card or prepaid card

I have the Bank of America 321 card. You are able to select which category you want to earn the 3 % on. I needed a new roof so I looked into all my credit cards to see which one I would get the best cash back on. Since I was able to select 3 % towards home improvement this card was my best bet. So I set the category and made my charge ( this happened in XX/XX/XXXX or XX/XX/XXXX ). The roof cost {$7500.00}, so I was supposed to get a decent amount back. {$2500.00} at 3 % and the rest at the normal rate. But that was not the cast, none of it earned at 3 %. So I called BOA and asked them to look into it, they told me that the charge came through as construction, so thats why it didnt work, but they would have their back office team look into it because it was clearly for a roof, which is obviously home improvement. Well a few weeks later the back office group sent me a letter saying they werent going to do anything and that my rewards earned correctly. But the problem here is deceptive marketing. What the XXXX is considered home improvement if getting a roof isnt? It doesnt make any sense. I have plenty of other credit cards that I would have used that would have gotten me a better rate if I had known I was going to get screwed by BOA. And now Ive had to spend all this time trying to get like {$100.00} from them. Which is really a drop in the bucket when you consider the amount of money they are making off of people. I just want the 3 % back they are marketing people will get. I dont think thats too much to ask for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Who the heck is XXXX XXXX XXXX? I recently applied for a car loan through a dealer and was accepted as I have outstanding credit. I currently have credit freezes on my and my wife 's credit with the big three bureaus - XXXX, XXXX, and XXXX   because no one can keep our information safe. 

I got a letter from XXXX XXXX stating my credit was denied even though I had a very favorable credit score returned from XXXX XXXX XXXX. The day this was run there was actually a problem with XXXX hitting against XXXX  as I had not un-froze my credit with them. Other banks approved my loan due to my outstanding credit after I temporarily lifted my freeze. 

My questions are these : - I thought there were only the big three credit reporting agencies ( listed above )? 
- Who is XXXX XXXX XXXX? and why has no one heard of them? 
- There are numerous complaints on the web of similar cases, or in some cases XXXX XXXX XXXX reporting scores much lower than they should be or are with the other agencies. 
- I called XXXX XXXX XXXX and all I got was a Voice Mail box. 
- People do not trust providing XXXX, XXXX, a company they have never heard of, their personal information to freeze their credit. And you can not do it over the phone as their web site states you can. 
- XXXX XXXX  is tied to many of the companies online and many people have received letters from XXXX like I did. 

To make matters worse, I am a current XXXX car loan customer and they know my outstanding credit history, and they send me a denial letter? I have called XXXX and ripped them a new one and I'm not done yet! 

I am filing a formal complaint against XXXX XXXX XXXX for providing XXXX XXXX incorrect information about myself and misrepresentation of my credit. This is absurd and this company needs to be shut down immediately. 

Date of transaction - XX/XX/ XX/XX/XXXX
Product: Checking or savings account

account was closed for no reason. it had funds inside, never overdraft
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I became aware of a security breach at the credit reporting company Equifax ; I utilized their website to find out if I was among the affected victims and I was informed by Equifax that my personal information was stolen in the security breach. This breach of Equifax 's security has opened me to possible future identity theft. I have had to take measures to protect myself against any possible identity theft stemming from this security breach. I have also since learned that this breach was discovered by the company Equifax on XXXX XXXX, 2017, which means my personal information has been compromised for 10 days without my knowledge.
Product: Credit reporting or other personal consumer reports

Transunion is reporting incorrect info on my credit report. I have called them 2-3 times to have them remove XXXX XXXX XXXX XXXX NC XXXX XXXX I dont live at that address nor have I ever resided there. I called Transunion on or around XX/XX/XXXXXXXX  and again XXXX XXXX to update address info and they said it was done. To this day when I looked it has that address still remaining. There are also hard inquiries such as XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX showing XX/XX/XXXX that I have no idea of this inquiry/no accounts with anyone by that name that im aware of. US Postal XXXX XXXX XXXX XXXX XXXX, MD XXXX listed twice XX/XX/XXXXXXXX XXXX XXXX listed twice. The one reporting XX/XX/XXXX remarks credit card stolen Authorized user Last Activity XXXX XXXX Open Date XX/XX/XXXX XXXX  is incorrect. This account is open and Authorized user is correct but card not stolen just never delivered. Account is still open. Please supply me with all info you all used to verify all this. I called to freeze my credit report with you all in XXXX so why is incorrect info still showing on my report? The is a violation of 15 USC 1611 of The Fair Debt Collections Practices Act as well as 15 USC 1681 negligent and willful non compliance with the law. This is my 3rd request for you all to please remove XXXX XXXX XXXX XXXX NC XXXX and any other incorrect inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates failure to provide evidence of the debts validity through XXXX, XXXX, and XXXX is consistent with their documented violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Consumer Financial Protection Act ( CFPA ). These violations were highlighted in the Consumer Financial Protection Bureaus ( CFPB ) XXXX enforcement action against PRA. 

I am disputing a collections account reported by Portfolio Recovery Associates ( PRA ) on my credit report. I submitted multiple dispute letters to XXXX, requesting that they investigate the accuracy and validity of this account. 

However, XXXX, XXXX, and XXXX have failed to provide any documentation or evidence from PRA to substantiate the validity of this debt or demonstrate that it is accurate and enforceable. 

Despite my efforts to dispute this account, it remains on my credit report without any proof of its legitimacy. The CFPB found PRA to have engaged in repeated violations of federal law, including : Failing to properly investigate disputes or provide documentation to consumers. 

Furnishing inaccurate and unverified information to credit reporting agencies. 

Continuing collection efforts on unsubstantiated or time-barred debts. 
I believe this account may be part of PRAs ongoing pattern of unlawful behavior, as documented by the CFPB. 

I respectfully request the immediate deletion of this account from my credit reports with XXXX, XXXX, and XXXX due to its unverifiable nature and PRAs documented history of noncompliance with federal laws. 

XXXX  Account Information : Debt Collector : Portfolio Recovery Associates Account Number : XXXX Amount : $ {$450.00}
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost importance concerning violations of my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681. 
List of Violating Accounts : 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  These accounts have violated my rights under the FCRA, specifically : * 15 U.S.C 1681 Section 602 A : Right to Privacy - I assert my right to privacy as guaranteed by this section. The unauthorized disclosure of my financial information, as reflected in the accounts listed above, is a direct violation of this right.

* 15 U.S.C 1681 Section 604 A Section 2 : Requirement for Written Instructions - It is evident that these accounts have been furnished without my written instructions or consent. This action is in direct contravention of this section, which safeguards consumers from unauthorized disclosure of their financial information.

* 15 U.S.C 1681c ( a ) ( 5 ) Section : Limitations on Information - The information contained in these accounts exceeds the permissible limitations outlined in this section. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, is prohibited from inclusion in a consumer report. The presence of these accounts, which contain adverse information beyond the stipulated time frame, constitutes a violation.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Accuracy of Information - According to this section, any person shall not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. In the case of the listed accounts, I contend that the information reported is not entirely accurate.

I respectfully request that you investigate these violations promptly and take the necessary actions in accordance with the FCRA to rectify the situation. Specifically, I request that the following actions be taken : * Conduct a thorough investigation into the accuracy, timeliness, and legality of the information reported by the entities associated with the listed accounts.

* If any information is found to be inaccurate, outdated, or in violation of FCRA regulations, please ensure that it is promptly corrected or removed from my consumer report.

* Provide me with a written response detailing the results of your investigation, the actions taken, and any further steps required to rectify these violations. 
I believe that a prompt resolution of this matter is essential to protect my consumer rights and maintain the integrity of the credit reporting system. I appreciate your attention to this issue and look forward to receiving your response within the timeframe specified by the FCRA. 
Thank you for your assistance in addressing these violations and upholding consumer protection standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$720.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$690.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed XXXX {$1300.00} ; 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 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: Checking or savings account

I opened a credit karma account when I filed my taxes from XXXX Credit karma is claiming the account has been closed and will not provide me with any information pertaining to this account. I have proof that {>= $1,000,000} was deposited into the account and was open still until I called to get information about it. I have the account number and routing number to the account in reference and the deposit amount. I just did a transaction earlier today using the account which proves my claim of the account still being opened. Ever since I called credit karma to get information about my account I have been mislead and lied to about the status of the account as if they are stealing my funds. I want CFPB to launch a full investigation into my account when given account details because its over {$2.00} XXXX dollars in that account and I refuse to allow credit karma to steal that type of money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account makes no sense at all if it's charged off why are you still reporting what day was the last activity is not stating any information that's important to give them the right to constantly be reporting whenever they feel is fit.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Please DELETE these accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX