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

CFPB Writeup I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. This is the 3rd attempt to fix these issue and response These consumer reporting agencies are in violation. According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. And They also didnt even record the current status of the disputed information which is another violation. Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ). 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.and also reference to accounts that fall into these claim
Product: Credit reporting or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violatio

n of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as cla
imed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to make a purchase at Macys In XXXX Florida with a {$200.00} Macys gift card, that was purchased 3 years ago and was told it had expired XXXX XXXX. Gift card had no expiration date on the back. After 2 hrs of trying to resolve the problem with corporate, I explained that in the state of Florida that a Law was passed in XXXX stating that gift cards have no expiration date. This issue is at a high level considering how many consumers are being gouged. XXXX needs to be held accountable for their lack of fair trade. Someone paid them in good faith XXXX dollars and they give the customer nothing. It sickens me to think how a large cooperation can steal from the consumers this way.
Product: Student loan

I submitted to Great Lakes a removal of my student loan based on school closing and false pretenses that once I graduate with a degree in XXXX studies I would be helped and will be able to make XXXX figure income once I graduate. That I would be placed with lawyers and law firms in getting a secured job. Once I graduated that never happened the school cancelled further schooling for XXXX studies and no longer supported their promises or claims when I graduated leaving me with massive debt for the program. Not once did they aide me in my quest for a job with any law firm since the year I graduated they ceased any further operation of XXXX XXXX  studies and abandoned me on job searches. Now Great Lakes will not cancel my student loan since the school defaulted on their promises by being bought out during my schooling by the said company that was reported defrauding students on their student loans. I therefore plead my case against my student loan and fraud!
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE ON MY CREDIT FILE AND THEY ARE NOT AUTHORIZED. THEY DO NOT HAVE MY CONSENT OR WRITTEN PERMISSION WITH INK SIGNATURE TO ACCESS MY INFORMATION. THESE ACCOUNTS NEED TO BE REMOVED ASAP PER LAW CXXXX 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

In 2019 my husband and I decided to change our bank to a credit union through his work. We switched out our direct deposit and waited a week prior to contacting citizens to close out our account. We were told the account would be closed and there was nothing more to do on our part. We called the XXXX number to close being we only had one car at time and my husband used it with work when bank was open. 
This is verifiable by looking at transactions and seeing we had our direct deposit for years weekly and then it stopped. 
Today I got a copy of my XXXX system report and seen citizens listed as account abuse and owe {$170.00}!!! This was the First We knew about this. We had NO outstanding checks which can be verified that no checks processed. We were charged this from closing our account? We are said we have abuse because we closed our account? We never once heard from the bank and we assumed this was closed! 

We need this investigated and the fee removed and our XXXX system report removed because this was not our doing! This account was not negative when we closed it!
Product: Checking or savings account

I deposited check XXXX from a third party bank into my Bank of America checking account and advised them that I did not want the funds released until it cleared the other bank. The funds were released the next day. I called bank of America and was told the check had cleared the other bank. I then did what I was supposed to do and sent the money to the vender. Within 2 hours bank of america said the check was badand removed XXXX from my account. Then said it was their policy to add the funds in 24 hours.
Product: Credit reporting

I have several unauthorized hard inquiries on my credit reports from CREDCO. I was a victim of identity theft and these were not made by me.
Product: Debt collection

I sent a letter to ERC regarding account number XXXX requesting verification and validation of debt per FCRA. I was notified that this account was verified. I did n't received no documentation of original contracts with my signature. and no proof of a fair and thorough investigation.
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, Portfolio Recovery Associates added a derogatory mark to my reports. I had a XXXX  card, but due to difficulties with work, I could not pay for it. The bank sold this account to Portfolio Recovery Associates. When the manager from Portfolio Recovery Associates called me, we agreed with him that I would make a monthly payment in exchange, that they would not report to credit bureaus about the collection. Later I saw the Portfolio Recovery Associates account in my reports.

Due to the current situation, I believe that it will be fair if Portfolio Recovery Associates, breaking its promises, compromises me and removes this account from the reports in exchange for my payment of 50 % of the balance.
Product: Credit card or prepaid card

I responded to a promotional offer to apply for a PNC Cash Rewards Visa Credit Card. The offer was a {$200.00} cash bonus for a {$1000.00} spend within 3 billing cycles of account opening. I complied with all requirements. I have made multiple phone calls to the call center regarding non-receipt of this bonus. I have a dated/timed screenshot of the offer on the website. To date, I have not received the bonus, nor any satisfaction with plans to address. The only response has been we will file a compliant for you. I do have a screenshot available for your review as well credit card statements confirming my compliance with all offer requirement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Thank you for your inquiry about cases XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX on your report. The legislation that you have indicated states '' 611 - 15 U.S.C. 1681i states : " In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In full compliance with this statute, CIC confirmed each case via the official XXXX XXXX XXXX XXXX portal in addition to speaking with clerk " XXXX '' who verified all XXXX records are accurate as reported. XXXX also confirmed that the records are available for public access in the XXXX XXXX online portal ( XXXX XXXX XXXX ). These cases ( attached ) are accurate, complete and reportable public records as of XX/XX/year>. 


I refute CIC 's latest response regarding their verification process. Initially, they provided screenshots sourced from https : //justicecourts.maricopa.gov as proof of verifying my court cases. When I disputed this, they then claimed verification through a portal. Now, they assert they verified through the county clerk, which contradicts their previous explanations and is untrue. 

I contacted the XXXX County Justice Court directly to clarify. They confirmed that there is no county clerk involved in providing access to court records. Instead, requests for case files and information must be directed to the specific justice court handling the case. The court explicitly stated that they do not facilitate background checks or provide access to litigant records without a case number. Additionally, the court website specifies that requests for certified documents require submission directly to the court holding the case, as the certification process involves a judge 's stamp. 

Given this information, CIC 's assertion of verifying through the county clerk is inaccurate and misleading. Their inconsistent responses raise serious concerns about the integrity of their verification process and compliance with the Fair Credit Reporting Act ( FCRA ). 

I demand that CIC immediately correct this misinformation and remove the inaccuracies from my record. Failure to do so may compel me to pursue legal action to remedy the damages caused by their negligent reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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  Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Late Payments and Allegations of Extortion and Fraud - Account No : XXXX I am writing to formally dispute the late payments reported on my credit report for the above-referenced account. I believe that the reporting of these late payments is not only inaccurate but constitutes a violation of federal law, amounting to extortion and fraud. Violation of the Fair Credit Billing Act ( FCBA ) Under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666b, creditors are required to send a billing statement for each billing cycle where there is an outstanding balance or a finance charge.
Product: Debt collection

I was checking my credit report on   XXXX   credit agencies   XXXX     XXXX  and  XXXX  when I was alerted that a collection agency named Fox collection center of   XXXX   XXXX   XXXX     XXXX   TN   XXXX   XXXX   placed on my credit file that I owed a balance of $  XXXX .I would like a bill presented to me for this balance I do not owe this money I would like to know how when and to whom I owed this money it had been reported to the credit agencies  XXXX  2017.I also would like this balance to be removed from my credit report.
Product: Credit card or prepaid card

I ordered a pair of shoes from XXXX and paid with PAYPAL credit- the shoes were sent in the wrong size ( box said one size shoes another. ) I was willing to send shoes back at the sellers expense. I contacted the seller and they did not resolve this. I filed a dispute with PAYPAL and their response DID NOT even address my issue. It was clear they did not even read my complaint.
Product: Credit reporting or other personal consumer reports

There are multiple accounts on my credit report that were charged off/written off and sold both accounts are still on my report for years XXXX XXXX XXXX XXXX XXXX XXXX charged/ written off both accounts listed on my report for years. Multiple attempts to get them removed from my account. No XXXX ever provided. XXXX XXXX XXXX XXXX same thing debt written off and sold both on my credit report for tears multiple attempts to remove. No XXXX provided I believe their is IRS fraud and mismanagement by all three credit reporting agencies.
Product: Debt collection

XXXX XXXX XXXX has recently retained TrueAccord to act as a debt collector to collect on a debt not owed by me to the alleged original creditor XXXXXXXX XXXX XXXX XXXX expressly identified as an account number ending in XXXX. 

TrueAccord sent an UNDATED notice to respond by XX/XX/2022. TrueAccord has failed to validate the debt and also provide verification of debt as required by law. 

I hereby further dispute the account ending in XXXX with XXXX XXXXXXXX XXXX XXXXXXXX. and XXXX XXXX XXXX there is no balance amount owed of {$1800.00} and any updated balance amount. XXXX XXXXXXXX XXXX XXXX Is not my original or current creditor. There is no balance owed by me to XXXXXXXX XXXX XXXX XXXX. 

At no time does XXXX XXXX XXXX XXXX  appear on my credit reports for any such account ending in XXXX.
Product: Credit card

This account has always been paid on time by me, never overdue. I'm confused about the late payment comments on my accounts. According to 15 USC 1666b, any billing error must be corrected.
Product: Debt collection

I have made multiple attempts to have them validate the debt. Capitol Accounts Sends me a XXXX line response " Validating the debt ''
Product: Debt collection

I have tried to fix the situation with this company multiple times with Self financial I have already paid the debt in floating rate notes and the company is still reporting negatively on my consumer report. The company has already XXXX the debt via 1099c. I have already contacting the 3 major consumer reporting agencies about this matter. I am now demanding self financial to properly remit 1099c so that I can properly file my taxes. I am demanding that self financial send me a copy of the 1099c b for the debtor documentation that self financial has already transferred over to the treasury. Also i am demanding that self financial contact all 3 consumer reporting agencies and update the status of the consumer report to paid as agreed and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for.
Product: Debt collection

Text message stating I owe debt from XXXX in XX/XX/year> Its on auto pay so that confused me. I called XXXX. They said I have no debt with them. They told me to call MRS BPO back to see what they say was the debt. This company refused to tell me what it is. They said that paying it off would not take it off my credit report but I could dispute it and would not give me ANY information unless I gave them my cc info to dispute the debt. I told them Im not giving them my information and they said they cant do anything without it. They refused to tell me what it was even though I said I talked to spectrum themselves. Now Im getting phone calls from them after XXXX with no voicemail. They call and dont leave messages. This isnt even on my credit report like they said it was.
Product: Credit card

Purchased TV XXXX XXXX XXXX, new BestBuy card CityBank Visa. 
Paid balance, on time agreed, Received Card in mail, put in office. Never used again. 
CitiBank notified by Email of outstanding dept or {$1000.00} Only person possible to have my card number is the BestBuy XXXX in XXXX, XXXX  store. 
Have had Fraud card claims from same BestBuy against my XXXXXXXX XXXX debit card, in XXXX, year prior. 
I believe BestBuy XXXXXXXX XXXX, is using personal information to take money from customers. 
I believe the manager is the most likely suspect, may bether employee stealing information.

This is my best guess. 

Very Sincerely, XXXX
Product: Credit reporting

SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESThree new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX ( XXXX ) XXXX XXXX XXXX, XXXX S.Ct. XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a XXXX year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX