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

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; DEPTEDXXXX XXXX XXXX : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; {$120.00} ; XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX : {$6300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$15000.00} ; XXXXXXXX XXXX Date of XXXX ; XXXX Date of XXXX ; XXXXXXXX XXXX  Date of XXXX XXXX XXXX Date of XXXX ; XXXX XXXX Date of XXXX ; XXXX XXXX Date of XXXX ; XXXX Date of XXXX ; XXXX XXXX Date of XXXX XXXX XXXX XXXX A Date of XXXX ; XXXX Date XXXX XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of XXXX XXXX XXXXXXXX XXXX Date of XXXX ; XXXX XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXXXXXX XXXX Date of XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$120.00} XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX of XXXX ; XXXX Date of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent servel letters to this creditor and they have not yet to follow you guys rules. 
XX/XX/2022 MIDLANDAND CREDIT MANAGEM {$850.00}
Product: Credit reporting

I have a tax lien on my Equifax credit report that is being reported incorrectly. Despite several letters to Equifax and today, a phone call to them, they continue to state that the information is being reported correctly and they have validated this with the Internal Revenue Service. I have done a lot of research and know that the the credit bureaus must comply with the Fair Credit Reporting Act as follows : " Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. " Since I know from the IRS ' website that they do not validate information with credit bureaus, I do not understand how Equifax can repeatedly tell me that the information is validated. It seems to me that they must prove that they are reporting correctly or delete the tx lien. FYI : Both XXXX and XXXX have deleted the tax lien due to the following '' We are unable to validate that the information on your credit report is correct and have removed the tax lien ''. 
It is really disturbing that credit bureaus seems to be able to do whatever they want as in my phone call to them today where I spoke to XXXX different representatives from Equifax. The first person stated when I asked if she was aware that they have to operate as set forth by the Fair Credit Reporting Act : " XXXX has our own rules for operating and we do not follow that act '', and then when I spoke to a person in their Executive Consumer Service Department she plainly stated several times that the accurateness of the tax lien was validated both in XX/XX/XXXX and XX/XX/XXXX when I sent them letters. When I asked how she backtracked and said she did not mean validates ... ... they just looked at the original document from 2009 and what 's on our credit report appears to be correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this

is Under USC 1681g, delete this within 15 days. See the documents attached.
Product: Debt collection

CFPB Complaint No. XXXX was submitted and an NCA attachment was provided in response, however the response can not be accessed by the consumer. 

-- - I was notified by National Credit Adjusters , LLC that an owed balance of {$300.00} was placed in collections for a XXXX XXXX loan that is more than seven years old. I was not formally been notified about the debt, prior to the call or prior to the debt being placed in collections. It was not identified if these people own the debt or are a collection agency.
Product: Credit card or prepaid card

I signed up for a Care Credit card to help pay a   XXXX   bill and was told that it was interest free for 6 months. I was not made aware that my interest accumulated the whole 6 months and I would be charged a lump amou nt. Im young and I do nt know much about credit cards, I feel I was completely taken advantage of.
Product: Prepaid card

I received my XXXX settlement well part of it XXXX XXXX a month ago and I was pretty exited although the payment was sent in XXXX and I never would have know if I didnt look back on my spam emails called Venmo prob over XXXX times in the last month at first they couldnt find my payment then finally I figured out why it was my same account but my old number weird that they couldnt find it even though it was my same account finally got a sum of over XXXX a XXXX XXXX XXXX XXXX XXXX XXXX few weeks XXXX XXXXXXXX and they made it so hard to use the money or even get it out what I did get out I didnt get to finish my XXXX shopping and they kept saying the same thing respond to the email and would freeze my account for things they were telling me to do send me to multiple atms I dont live near told I live an hour away from everything they sent me everyday for about 2 weeks telling me we made an sdjustment it should work now go try again and never did I purchased a few things online but I had to repeatedly try and half the time it would work and the times when I really needed it to it wouldnt still didnt get half of my XXXX  XXXX XXXX now there saying my account if suspended due to me violating the privacy policy but can not let me know what I did to violate it spent over 6 hours on the phone with them and thats in less than 7 days did everything they told me to now they are holding my funds for 180 days for lost prevention purposes and will let me know in the future if and when I will be able to access the {$1500.00} thats left in my account its wrong and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dealing with them literally just got out of the hospital and I believe it was from all the unless asset stress they put me through
Product: Credit reporting or other personal consumer reports

Experian has violated my rights. According to the Privacy Act of 1974 and Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am the Consumer and I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution and its affiliates has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' In which they disclosed transactions history which is very much illegal ( 15 USC 1681 exclusions ) to third party companies. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave written, verbal or electronic consent for any transaction history to be disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payments are due on XXXX of every month. that's the due date. 
In XXXX payment was due on the XXXX of the month, as such I mad a payment in XXXX on the XXXX. 

since there are 31 days in XXXX, XX/XX/XXXX is the XXXX day. XXXX was paid on that day which is the XXXX day. so because they were paid on that XXXX day, they can not report me 30days late, because they had payment in their possession on day XXXX and such was not over yet so technically the XXXX day was not over yet and they are in violation of fair credit reporting as such states : " late payments generally wont end up on your credit reports for at least 30 days after the date you miss the payment, although you may still incur late fees. '' XXXX states : If youre only a few days or a couple of weeks late on the payment, and you make the full late payment before that 30 days is up, See, https XXXX XXXX/ On XX/XX/XXXX when I made the payment, the 30 days was not up yet and they had the payment, so they are incorrectly reporting a late payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XX/XX/25 Experian Information Solutions , Inc . 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law.

Thereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

1. Provide me with all documentation used to verify the accuracy of the disputed information.

2. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, | expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed my credit report which contained information being reported by XXXX XXXX. 

I mailed a certified dispute letter to XXXX XXXX requesting validation of the account being reported by Transunion, XXXX, and XXXX. 

I received a response on XX/XX/XXXX stating : " All account information and documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do validate the account, due to lack of paperwork. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

XXXX XXXX has violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to  correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to respond to me sending me proof that i gave consent of these private transaction to be shared with third party. my rights to privacy by reporting my personal information and my private transactions and experiences on my consumer report. They weren't given consent or permission to do so ... Failure to respond 5 calendar days will be constituted as your acceptance that the debt is not valid. Please understand verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response This is a civil liability violation and penalty can and will be implemented for damages sustained This my third an final time I filed complaint an no response per this complaint number XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I made over 8 payments of XXXX not 4 like you previously stated!
Product: Checking or savings account

I was charged a {$2.00} ATM fee by Kikoff for allegedly withdrawing {$20.00} from an out-of-network ATM. Kikoff is a brand of XXXX XXXXXXXX XXXX, and this is a checking account. The Kikoff XXXX card is marketed as a credit-building credit card whose spending limit is equal to the amount the customer has on deposit. In practice, it is a debit card like any other. The ATM I used is in the Allpoint network of ATMs, which I am supposedly able to use without additional fees. It was clearly indicated as such on the XXXX map. The ATM in question is owned by XXXX XXXX and is located inside a XXXX store at XXXX XXXX XXXX XXXX NJ XXXX. The date of the transaction was XX/XX/2023. I have attached my statement and a screenshot from the XXXX website clearly showing that the ATM I used is part of their network. Kikoff asserts that it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have a Bankruptcy XXXX  XXXX only being reported on my Transunion credit report. I called the XXXX XXXX  XXXX that Transunion said they Verified through with the court. I contacted the clerk of the XXXX XXXX  court and I received a letter and was told that they do not share or verify and information with any credit reporting companies or Transunion and XXXX XXXX. REMOVE THE INACCURATE BANKRUPTCY XXXX  XXXX FROM MY TRANSUNION REPORT. UNVERIFIED INFORMATYION SHOULD BE DELETED FROM MY CREDIT PROFILE UNDER THE The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made an international transfer in the amount of {$2000.00}, today its been 8 days and I still havent received the money! Please give me my money back!
Product: Credit card

Late payments were due to other causes beyond my control. I opened a new credit card account DISCOVER FINANCIAL XXXXXXXX in XX/XX/XXXX. They forced me to merge this account with my existing account in XX/XX/XXXX and they deleted my autopay. I added bank account again on XX/XX/XXXX after the account merger was complete. However, I was unable to set up autopay because of issues with Discover online payment system. On XX/XX/XXXX, I realized that Discover had reported my account to Credit Bureaus for missed payment, when the mistake was solely of Discover. During the last three months, they have failed to communicate with me via email or text or phone about setting up payment on their faulty system, because of which I can not set up autopay. During the conversation on XX/XX/XXXX, Discover financial customer service helped me set up the autopay, which I was unable to do so before. The payment was processed on XX/XX/XXXX and the account is current now. 
Required Resolution : remove late payment from my credit history. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is showing inaccurate information the balance is incorrect and also still showing Disputed multi times with transunion and they stated its accurate i attached info showing my balance and that whats reporting and how is incorrect i asked for this to be Deleted from my report
Product: Student loan

I have a very large student debt and I find it quite frustrating that the Capitalized Interest is not displayed as a total of interested that has accumulated in my account. Only the Interest Subsidy is shown which is not a fair representation of how much interest has actually accumulated and has grown my original amount to be paid by 30 % which is over {$70000.00} added onto my original loan.
Product: Debt collection

This issue is a very simple one. My home phone number is on the do not call list. About 1 month ago Portfolio Recovery Service XXXX. Started calling my number. Each time they call they ask for a different name never mine. I have told them XXXX times to stop calling my number. We are up to XXXX calls a day and its driving me crazy. I the last call I told them if they did not stop I would file this complaint. They were bold enough to swear at me and tell me there was nothing you folks could do and you were all a bunch of " XXXX ''. They called my home XXXX times today. I have had it. Please nail these idiots to the wall for me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed a collection from Key 2 Recovery in the amount of {$5600.00} that I didn't authorize. I am not liable for this debt with XXXX University, I do not have any contracts with Key 2 Recovery, they did not provide me with the original contract as I requested
Product: Credit reporting or other personal consumer reports

Subject : XXXX Continued Violations of FCRA Failure to Verify Accounts, Refusal to Block Fraudulent Items Dear CFPB Representative, I am submitting this complaint against XXXX for their continued refusal to comply with the Fair Credit Reporting Act ( FCRA ), failure to block fraudulent information despite valid identity theft documentation, and their deceptive practices in handling my credit file. 
Summary of XXXX Unlawful Actions 1. XXXX falsely claims that creditors have " verified '' fraudulent accounts but refuses to provide any supporting evidence. 
2. XXXX has ignored my legally submitted FTC Identity Theft Report and police report, violating FCRA 605B. 
3. XXXX has allowed previously deleted accounts to be reinserted onto my report without proper notification, violating FCRA 611 ( a ) ( 5 ) ( B ). 
4. XXXX refuses to remove unauthorized inquiries from my credit report, violating FCRA 1681b. 
5. XXXX is engaging in deceptive and unfair practices, causing financial harm and emotional distress. 
Specific Fraudulent Items That Must Be Removed Immediately Despite my repeated disputes and submission of identity theft documentation, XXXX continues to report the following fraudulent accounts : * XXXX XXXX XXXX ( Charge-Off ) * XXXX XXXX XXXX XXXX {$17000.00} ) * XXXX XXXX XXXX XXXX {$17000.00} ) * XXXX Card ( {$5500.00} ) * XXXX XXXX ( Collection - {$11000.00} ) * XXXX XXXX XXXX {$810.00} and {$280.00} ) * XXXX XXXX XXXX  Multiple unauthorized inquiries from auto lenders and financial institutions. 
XXXX Violation of Consumer Rights XXXX XXXX has violated FCRA 611 ( a ) ( 7 ) by failing to provide their method of verification ( MOV ). 
* XXXX is violating FCRA 605B by refusing to block identity theft-related accounts. 
* XXXX is violating FCRA 611 ( a ) ( 5 ) ( B ) by reinserting fraudulent accounts without proper notice. 
* XXXX is violating FCRA 1681b by failing to remove unauthorized inquiries. 
Immediate Actions Demanded by CFPB I demand that the CFPB take immediate action against XXXX for these violations and require them to : 1. Immediately provide their method of verification for all disputed accounts or delete them permanently. 
2. Honor my FTC Identity Theft Report and police report by blocking fraudulent accounts and inquiries as required by FCRA 605B. 
3. Investigate XXXX use of unreliable third-party vendors for credit reporting. 
4. Ensure that fraudulent accounts are permanently removed and not reinserted.

5. Impose financial penalties against XXXX for their repeated violations and refusal to follow consumer protection laws. 
6. XXXX {$20000.00} in damages for financial harm, loss of credit opportunities, and ongoing emotional distress caused by XXXX negligence. 
I request that the CFPB escalate this matter and enforce stricter regulatory action against XXXX. Their ongoing deceptive practices are harming me and countless other consumers. 
Please keep me updated on the investigation. Thank you for your time and assistance. 
Sincerely, XXXX XXXX