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

Proverbs XXXX verse XXXX : hear instruction and be wise and refuse it not. I am making a claim that The CREDIT AGENCIES EXPERIAN AND XXXX broke the law as well as XXXX XXXX! XXXX XXXX stated no credit freeze and personal statements were in place stating to contact the CONSUMER day or night with his direct phone number available before proceeding with any credit transactions due to a XXXX breach of the CONSUMERS NON PUBLIC PERSONAL INFORMATION and being a victim of ID THEFT. When the CREDITOR accepted the offer from XXXX XXXX and authorized and authenticated with his credit information/signature a financial asset to create an account for his PRINCIPLE DEBTOR to obtain credit he was faced with an ADVERSE ACTION, DISCRIMINATION DUE TO THIRD PARTY INFLUENCE AND DEFAMATION OF CHARACTER CLAIMING THE APPLICANT WAS NOT CREDIT WORTHY. My proof of claim for the willful noncompliance and willful negligence of the CREDIT AGENCIES EXPERIAN AND XXXX ALONG WITH XXXX XXXX to break FEDERAL CONSUMER LAW is the credit freeze statement on both XXXX AND EXPERIAN clearly and conspicuously stating to contact consumer before proceeding that XXXX XXXX stated several times no credit freeze was in place at the time of the consumer credit transaction. Im charging and seeking COMPENSATION for the violations against the consumer that was set forth by EXPERIAN XXXX AND XXXX XXXX. FEDERAL CONSUMER AND COMMERCIAL LAWS both were broken and unfair and deceptive business practices from THE CREDIT AGENCIES AND XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have accounts on my credit report that are in error that Equifax did not remove.
Product: Credit reporting or other personal consumer reports

I have started disputes many times on the recent past with all 3 major bureau 's regarding false and incorrect and/or old information being reported as far as my personal details and have gotten XXXX results and absolutely no compliance with my requests.. Not to mention the hard inquires i have challenged and requested immediate removal due to me not being accepted and receiving any credit or not being approved which has also been a failure on their end.. Lastly, the many negative items I have asked for copies of my original agreement or contract with my provided wet signature or autograph of you will, and have gotten updated and verified messages only with no documents i asked for or proof of verification.. This is unprofessional and extremely frustrating due to the damage of my report and personal suffering due to not being able to get approval for anything all because they refuse or neglect to perform their required duties..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Experian Information Solutions , Inc . 
Dispute DepartmenXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute and Notice of Negligence under 15 U.S.C. 1681o ( Fair Credit Reporting Act ) To Whom this may concern, I am writing to formally dispute inaccurate information on my credit report and to address your organization 's negligent failure to comply with the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681o. 
Upon reviewing my credit report dated XX/XX/XXXX, I identified the following inaccurate information : That of the following disputed accounts or items that are not on this list of things that are mine, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my only address is the one stated at the top of this letter, my phone numbers are XXXX and XXXX these items are mine everything else should have not been still on my credit reporting. 

Under the FCRA, you are required to ensure the accuracy of credit information and conduct a reasonable investigation when disputes are submitted. Your organization 's failure to maintain accurate records and investigate my previous dispute ( s ) has resulted in financial and reputational harm, including not being able to build a business, out of pocket spending back and forth to mail off the disputes, also such as loan denials, increased interest rates, emotional distress and more.

As stipulated by 15 U.S.C. 1681o, you may be held civilly liable for negligent non-compliance with the FCRA. Therefore, I am requesting the following immediate actions : Correction/Deletion : Remove or correct the disputed information from my credit report. 
Written Confirmation : Provide confirmation of the correction and an updated credit report. 
Compensation : Address any damages caused by your negligence, as permitted by law. 

Please treat this matter as urgent and provide a written response within 30 days of date above in compliance with FCRA guidelines. Failure to respond adequately will compel me to pursue legal remedies to protect my rights. 
I have attached copies of my ssn and utility bill for your review. 
Thank you for your immediate attention to this critical matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received four letters dated XX/XX/XXXX from TRS Recovery Services telling me that my XXXX account was in arrears, that payments I attempted to make from my bank account were denied. Therefore, I requested documentation of the debts they said I owed. In the meantime I contacted XXXX to find out why I had not been notified that my payments did not go through. The XXXX representative told me that because the payments were coming from my bank account, XXXX referred the non-payments to Telecheck. In other words, XXXX denied responsibility for sending the debts to TRS Recovery Services. 

When I received documentation from TRS outlining the debts/non-payments, there was a {$25.00} service fee added to each outstanding balance. I contacted TRS to let them know that my bank account had been compromised in early XXXX, and they also told me that they had received the referral of non-payment from Telecheck.

I then contacted Telecheck on XX/XX/XXXX to explain that my bank account had been compromised, and asked why I wasn't notified by either XXXX or my bank that the purchases had been denied. They repeated what XXXX and TRS had told me -- that once Telecheck is notified of a non-payment, they referred me to TRS Recovery Services. 

As a consumer, I would like to have been notified by XXXX that the payments for my merchandise had been denied ; this would have been good customer service. Ironically, on XXXX  XX/XX/XXXX XXXX sent an email that my payment method ( debit card ) had been denied, and I was able to remedy the situation. It seems as if XXXX had notified me about the four non-payments in XXXX, I could have resolved that situation as well. 

As of XXXX  XX/XX/XXXX I paid XXXX a total of {$430.00}, including the service fees, in order to keep my credit record clean and resolve this entire unfortunate situation. 

I am not sure what the Consumer Financial Protection Bureau can do about what happened to me, but I wanted the agency to be aware that as a consumer, I believe I received the " run-around '' from three businesses, and none of the companies wanted to take responsibility for what occurred. 

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

Got it! Ill create a powerful dispute letter for Civility ( non-compliance ) regarding inaccurate or unverifiable information on your credit report. 



[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX AZ, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : Formal Dispute for Non-Compliance Request for Immediate Deletion of Inaccurate Information Dear [ XXXX ] I am writing to formally dispute and demand the removal of an item currently being reported on my credit file. After reviewing my credit report, I discovered that there is an entry associated with Civility that I believe is inaccurate, unverified, and in violation of federal compliance laws under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of any information contained in their credit report, the credit reporting agency must conduct a proper investigation and verify the information within 30 days. If the creditor fails to provide verifiable proof of the debt or item within that time frame, the item must be permanently deleted from my credit file.

At this time, Civility has failed to provide verifiable documentation proving the validity of the debt in compliance with the FCRA, which constitutes a clear non-compliance issue. Therefore, I am demanding the immediate deletion of this account from my credit report as required by law.

I am requesting that you : Immediately delete the Civility account from my credit report due to their failure to comply with federal guidelines.

Provide me with written confirmation of the deletion once it has been completed.

Failure to comply with this request will result in me escalating this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing legal action for willful non-compliance under 15 U.S. Code 1681n.

Thank you for your prompt attention to this matter. Please send written confirmation of the deletion within 30 days of receiving this letter. Should you have any questions or require additional information, I can be reached at the contact information provided above. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

On XX/XX/2022, I received a notice from my credit monitoring agency that there was a bill in collections from the business XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I immediately got concerned since I have never made a late payment and pay all my bills on time ( this was the only negative on my credit report ). However, when I looked online directly at the XXXX website, it said that I owed a balance of {XXXX}. I immediately paid that balance in full ( transaction number XXXX ; account number XXXX ) and called XXXX XXXX to let them know that I never got a notice of a balance due or even a letter saying they would put my account into collections. I left a voicemail as instructed with my account number and telephone number. I did not get a phone call back or any resolution. This is absolutely ridiculous that this company without put my account into collections as I have not even heard a single thing from them until my credit monitoring agency notified me. Furthermore, I have even received notifications from XXXX XXXX about my XXXX  machine having a recall issued on it. The company obviously has my correct email address. No notice was given.
Product: Credit card or prepaid card

i have two chase cards one with a credit limit if XXXX and the other XXXX i only uses my freedom char card balance is XXXX i pay on time or early and more than the minimum payment. I tried to use my other chase card the slate for groceries and it was declined i have never used the card before still had XXXX balance on it, i looked up my accounts says that my accounts are closed! I never received a email phone call or mail stating that my card might be closed or why they would even close down my accounts that i pay on! I receive emails stating when my payment is due and when i make a payment! But no notification that my accounts are being closed when i pay them on time all of my credit cards are paid on time have a 100 % pay history, yes my score went down a little since i got my chase card but i still pay on time, they have failed to notify me of any issues wich is against the law, and they descriminated against a good client who pays there bills on time by closing my account and they failed to notify me that they checked my credit without my knowledge!
Product: Debt collection

I am contacted daily by vital finance recovery! I do n't owe anyone money & there is no debt. If I call them back they say they do n't have my number & I tell them that I am reporting them to the FCC for harassment. I have been on the do not call list for years, I am harassed daily with vm from this company threatening that this is a debt collector and must collect a debt or I will be prosecuted. They claim I have received a number in the mail from them which is not true. They are rude & deny they have my number to call but my phone tells a different story.
Product: Checking or savings account

I was in the process of trying to close out a bank account last year, there were a few small recurring charges that I missed, I think all of them were under {$50.00}. Simmons bank charged me three overdraft charges in one month that totaled up to {$100.00}. I paid the overage and had to leave the overdraft fees sit. I am on a fixed income XXXX XXXX XXXXXXXX. There was no activity on the account since XXXX. I received a refund on my escrow and it was deposited into Simmons bank. They took the deposit, removed their fees and canceled the account. I did not mind them taking the fees but then this happened. I was inside the XXXX branch inquiring about my card being denied at XXXX. They informed me that They closed the account and would send me a cashiers check for the remainder of the deposit. They could have printed me a check and cashed it right there in the branch but they said it would have to be mailed from the main office. 

I feel like I have been XXXX XXXX XXXX. They should not be treating people this way. I was a customer from the sale of XXXX bank since XXXX or so. This deposit was a escrow refund in excess of {$600.00} and was needed for bills that will accrue late charges while I wait for them to get around to mailing my check. 

They should have released my funds as soon as I was in the bank lobby to claim them.
Product: Credit card

I received an offer from American Express that promised XXXX bonus rewards points if I spent {$1000.00} in the first three months. I spent {$1000.00} and was never awarded the XXXX bonus points. When I called American Express customer support, they informed me that it was n't the offer I signed up for -- which is completely inaccurate, as I specified this promotion when I signed up. This is no less than fraud in deceiving me to sign up for a line of credit with them under false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US Dept of Education : # 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 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.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 of crimes which antedates the report by more than seven 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 information is in accurate.
Product: Consumer Loan

I obtained a loan to purchase a bedroom set from a local furniture company. I had the cash on me to make the purchase but the store owner told me that I could build my credit by financing the furniture. the total was a little over XXXX and I figured I could pay that off in no time while increasing my credit score. the furniture was financed through Duvera Billing. I have made my monthly payments on time which is XXXX and checked the account and was floored to find that I still owe the same amount after 5 months of payments. I called Duvera to get more information and was appalled when the representative told me that I have an interest rate of 96 %!!! Is that even legal?? I need help! Is there a way to legally get out of this contract without affecting my credit?
Product: Debt collection

I sent settlement offer letter cerified with return to receipt and someone from there office signed and receive letter. I Havent receive no respond in over 30 days.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.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 of crimes which antedates the report by more than seven 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 information is inaccurate.
Product: Debt collection

On XX/XX/2020 I paid my medical bills with XXXX XXXX. The collection company that had the accounts is Credit Collection Services in the amounts of : Account # Amount XXXX {$97.00} XXXX {$150.00} XXXX {$150.00} XXXX {$97.00} Two of the four accounts have been deleted but the other 2 still remain. I have attached a screenshot of my payment email from the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my updated credit report, I see that some of the accounts were erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank is the servicer for XXXXXXXX XXXX XXXXXXXX credit card, I have never been late and my balance is below {$100.00}, yet they are reporting me 60 days late at all XXXX bureaus and they i owe them upwards of {$400.00}. I was able to speak to a supervisor about the promotional balance and there is a current dispute on the account to fix it but when i stated that comenity was reporting me late at the bureaus, she advised she was unable to fix. would like a call from the company and would like the problem fixed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is seling incorrect information to Transunion and XXXX. I have expressed to XXXX XXXX XXXX  that I have an equitable interest in the note that is being used. Transunion and XXXX are major data furnishers that are selling my information for gain which makes this a financial institution because their intent is to gain capital gains. I have trade repeatedly to get these companies to follow federal law.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to [ CRA Name ] under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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.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 of crimes which antedates the report by more than seven 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 information is inaccurate.