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

XXXX was reporting a 90 late payment on two accounts in XX/XX/2014. I disputed the accounts in accordance with FCRA. Instead of correcting the errors, XXXX removed 7 accounts from my credit reports that were in good standing causing my scores to plunge. 

The 90 late payments were in XX/XX/2014 and they were eventually brought current. As such, they should have been removed according to Section 623 ( a ) ( 2 ).

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. XXXX communication regarding retroactive forbearances states If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am who i say i am a person and a consumer. XXXX XXXX himself and not a third party. After challenging the consumer reporting agencies regarding a few unauthorized inquires my concerns were not handled. i filled a few identify theft reports to assist with these unauthorized inquires.
Product: Debt collection

I am writing in response to your recent communication regarding a debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you validate the debt. Please provide the following information : 1. The amount of the debt : A detailed explanation of the total amount owed, including interest, fees, and other charges.

2. The name of the creditor : The original creditors name and any account numbers associated with the debt. 
3. Proof of ownership : Evidence that you are authorized to collect this debt, including a copy of the assignment or other verification documents. 
4. Verification of the debt : Copies of any documentation showing that I agreed to the debt, such as a signed contract or agreement. 
5. Account history : A complete history of the account, including all charges, payments, and fees that led to the current amount claimed.

Pursuant to the FDCPA, I request that you cease all collection activities until this debt is properly validated. Please be advised that I am not acknowledging or accepting responsibility for this debt until proper verification has been provided. 

If you are unable to validate this debt, I request that you remove it from your records and cease all further communication regarding this matter. Additionally, please notify any credit reporting agencies to whom you may have reported this debt that it is disputed.
Product: Debt collection

This is a follow up complaint against Achieve Personal Loans. Achieve Personal Loans provided debt validation without an original signature and a bunch of itemized documents and printouts of bills. The alleged signature did not look like mine either. I have no knowledge of this account. The original company named Freedom Plus has been deleted multiple times from the credit bureaus for violations against the FCRA. Achieve Personal Loans is violating Fair Credit Reporting Act XXXX ( but not limited to other sections ). It is the furnishers duty to provide accurate information. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. As the consumer Im stating this account reporting against me is inaccurate and not correct. This account is violating the Fair Credit Reporting Act via Section XXXX and Negligent Enablement of Identity Fraud, Defamation, and numerous other FCRA sections XXXX Achieve Personal Loans told me to address my questions and concerns with XXXX XXXX XXXX but they aren't reporting this inaccurate account against me. Im addressing Achieve Personal Loans for violating my rights under the FCRA and reporting an erroneous account against me. This is my final dispute to clear this matter up. I have kept good records and will be seeking legal action against Achieve Personal Loans, if this account is not removed in the next 30 days.
Product: Debt collection

I received correspondence from XXXX XXXX XXXX in an attempt to collect multiple debts. XXXX XXXX XXXX has themselves listed as the original creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required.

I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt Original signed contract between myself and this creditor, not a copy.

If XXXX XXXX XXXX is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement.

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.

Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX   Other : XXXX XXXX XXXX XXXX XXXX XXXX NY , XXXX.

Absolutely no phone calls. If correspondence from XXXX XXXX XXXX in any manner other than permitted I will cease all communication ( invoking my legal right to request XXXX XXXX XXXX to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), it emphasizes the necessity for consumer reporting agencies to carry out their duties fairly, impartially, and with due regard for consumers ' privacy rights. Notable among these agencies are Equifax, XXXX, and XXXX, where I act as the consumer. Protecting my confidential data from disclosure is paramount, as reinforced by 15 USC 6801, which underscores financial institutions ' obligation to uphold customer privacy and safeguard their nonpublic personal information. Under 15 USC 1681 section 604 ( a ) ( 2 ), it's stipulated that consumer reporting agencies may provide consumer reports only under specific circumstances, primarily upon receiving written instructions from the concerned consumer. Neither the financial institution nor the consumer reporting agenciesEquifax, XXXX, and XXXX my consent to furnish my information, particularly without written authorization. Any form of consent given to these agencies or information providers to credit agencies, whether explicit or implied, is hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without explaining how consumers can opt out of such disclosure. However, the information provider to credit agencies failed to inform me of my right to exercise this option. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization. The inclusion of the account without my consent constitutes an adverse item, violating the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ), furnishing inaccurate consumer information to consumer reporting agencies is prohibited. Equifax, TransUnion, and Experian also fail to maintain reasonable procedures to avoid violations of consumer reporting standards, as mandated by 15 U.S. Code 1681e. Lastly, 12 CFR 1016.7 asserts that consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.

I am writing to formally dispute the reporting of a charged-off account on my credit report, specifically the reporting of a Form 1099-C issued for the account. I believe there has been an error in how this information has been handled and reported.

According to IRS Publication 4681, " Canceled Debts, Foreclosures, Repossessions, and Abandonments, '' Form 1099-C is used to report the cancellation of debt. It is important to note that while this form reports the cancellation of debt, it is not necessarily a declaration of taxable income in every instance.

The IRS publication outlines that a Form 1099-C is considered a certificate of indebtedness and Income can not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Product: Credit reporting or other personal consumer reports

The inaccuracies on my credit report are severely restricting my financial freedom. Due to these errors, I am consistently facing rejections on new credit applications, which is both frustrating and unjust. It is deeply concerning that my consumer rights are being disregarded in this way.
Product: Credit reporting or other personal consumer reports

Theses are the unidentified inquires that where found on my account. 

XXXX XXXX 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 card or prepaid card

XXXX keeps saying I requested to have my account closed which is untrue. My ex-friend XXXX XXXX XXXX sent emails and made calls to have my account closed. I never requested to have my account closed. I even sent {$5000.00} to XXXX so that I can continue to use my XXXX credit account. However I notified XXXX that I had fraud on my account and they refused to return my calls or emails to get this situation taken care of. Instead they let me ex-friend, XXXX XXXX XXXX who is a fraudulent their open a XXXX credit account. This is unfair and I think it all boils down to me being a XXXX female and my ex friend being a white male. This is suspect that you let a white male go free after he forced my account closed. Its ironic that I disputed a {$XXXX} payment and never heard from XXXX. I never received a refund and the item was returned. Its ironic that as a XXXX female XXXX doesnt give me the courtesy to have someone in management at corporate to call me. XXXX seems to have an issue with minorities. They took the {$5000.00} payment I sent and didnt apply it to my account. They didnt provide me my {$XXXX} refund and then they turn around and close my account even though I was making payments on time and even paid off my account to a zero balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized credit inquiry from XXXX XXXX XXXX dated XX/XX/2017.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report file and found some hard inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have files a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results
Product: Credit card or prepaid card

Back in XXXX I moved. I put notification in with The Texas Workforce Commission as well as with USBank Reliacard. After receiving my unemployment payment thru the TWC, I went to make my usual ATM withdraw to a late water bill before disconnection occurred and my card declined. After contacting US bank I was informed that I needed to verify my identity with the bank because of my address change. 
I have provided all required documents needed and required to verify myself. I have sent info to USBank via text message link, website & sent by Fax. I was informed it would take XXXX days for verification to occur and i would hear something by that time. It has been over 4weeks. My water was disconnected and is still disconnected. My account is still " Frozen '', they haven't released my unemployment payment and will not share any information with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE AND HAVE FAILED TO PROVE HOW ITEMS WHERE VERIFIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion dated XX/XX/2020 by certified mail. Transunion received my letter XX/XX/2020. My letter was in reference to inaccurate personal information on my credit report. They did not have my correct address listed. 
My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AL XXXX The employment information was reporting incorrectly. I work at XXXX. 
My name was also listed incorrectly and misspelled and I wanted all information corrected. 
The misspelling on the report is listed as : XXXX, XXXX, XXXX  ( with no space ) XXXX, XXXX, XXXX ( with no space ) XXXX, XXXX, XXXX  ( with no space ) As of XX/XX/2020 this information has not been updated and it has been beyond 30 days. I included my drivers license, social security card and an updated bill to verify my personal information when I sent this letter certified and they should have been updated in a timely fashion and they have not.
Product: Credit reporting or other personal consumer reports

My purse was stolen in a nightclub in 2019,

since the incident I have noticed someone attempting to access lines of credit in my name. I recently pulled a copy of my credit report and noticed accounts that I have not authorized, nor do I even have any affiliated with being reported on my credit report. I have contacted the Credit Bureaus to get this resolved also requesting method of verification without a formal response. I have the right to privacy and I have not given any written consent for this information to be placed on my credit report. Doing so is in violation of 15 USC 1681B I thoroughly researched these accounts, and furnishing accounts to my profile in direct result of identity theft is in violation of 15 USC 1681 C-2 I noticed a slew of addresses being placed on my profile where I have never resided. I requested for the credit bureaus to remove the previous addresses to prevent any fraudulent information from being placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported to credit reporting agencies that I owe an alleged debt and that it's been charged it off and closed the account without ever verifying anything with me including sending the identity of the original creditor and an original lawful contract to validating this debt is indeed mine. This is in direct violation of the FDCPA and is a defamation of character as this information has negatively impacted my scores and caused great injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is freely allowing fraudulent credit card applications to be opened under my name ( happened 10 times ) and making hard inquiries to my credit report each time. Reference : XXXX XXXX XXXX credit card as the exact card attempting to be opened. Most recent incident XXXX XXXX, 2017. 

This has created a significant hardship to me personally, as each hard inquiry amounts to a reduction of my total credit score. 

I have taken every available step to protect my identity to avoid this from happening ( frozen credit, fraud protection, pass phrase and PIN protection ), however, XXXX XXXX XXXX XXXX continues to allow the fraudulent credit card applications to happen.
Product: Credit reporting or other personal consumer reports

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. These transactions do not relate to me as the consumer block and remove XXXX XXXX ACCOUNT BALANCE {$5200.00} XXXX XXXX Account balance {$1500.00} XXXX XXXX  Account balance {$8200.00} XXXX XXXX XXXX Account balance {$4900.00}
Product: Debt collection

Collection agency is claiming I owe a {$40000.00} to original creditor XXXX XXXX. I never heard of XXXX XXXX or never had any bills or mail from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA and They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law I have disputed more than 3 months in a row they are sending me stall letters and computer generated results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, TransUnion and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months from my written request and I have not received any responses.
Product: Checking or savings account

Hi, I have been with BB & T Bank for many years now and even before when it was XXXX  XXXX. 
I was a victim of FRAUD AND IDENTIFY THEFT. BB & T did NOT do anything about that. They stated that they were going to Internally Investigate it and contact me. They Never did. As a result of this FRAUD AND IDENTIFY THEFT ; I wasn't able to keep track of my Account History. I had to open and close two different checking Accounts. I have called the BB & T Executive Offices contact Number several times. I have also called their XXXX - XXXX number And Office Manager several times and They still continue to LIE to me, give me excuses, Ignore me, NEGLECT And Mis-Treat me. I have been extremely Patient up until NOW. About a Month ago I asked And Requested their Assistance This has been to NO AVAIL. They Need to Credit my Account. Send me a Detailed Account History for the last 24 months ( Office which they Assured me of ). And Regular Mailed me Broshures of the different types of Checking and Savings Accounts that they have where there is No fee charges if I don't have Direct Deposit. I can NOT account For much money in which I had in my checking Account. - Please have BB & T RESOLVED these Issues / Matters A.S.A.P. - Thank You