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

To whom it may concern : The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to conrm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.
Product: Credit reporting

I 'm requesting the support of Consumer Financial Bureau to help me resolve this issue. 
I 've sent multiple disputes to Experian regarding inaccurate personal information on my credit report and they continue to report it despite sending them copies of my documents : drivers license, social security card and a utility bill per their dispute instructions. 

This inaccurate information needs to be removed from my credit report : XXXX XXXX XXXX This is not correct. It 's not my name. 
XXXX-This is not correct. It 's not my name XXXX XXXX XXXX XXXX NC XXXX This is not my residence. 

My documents clearly show the correct spelling of my name " XXXX XXXX XXXX ''. Attached again are copies of my legal documents : Drivers license, social security card, and utility bill.
Product: Debt collection

I am filing this complaint regarding a collection account reported on my credit report by Columbia Debt Recovery. Despite their efforts to collect, neither Columbia Debt Recovery nor XXXX, which continues to report this account, has provided proper validation of the alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt. This includes documentation verifying the original creditor, account details, and proof that the debt is legitimately tied to me. Columbia Debt Recovery has not fulfilled this legal obligation. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), XXXX must ensure the accuracy and integrity of the information they report. Continuing to report unvalidated accounts violates federal law and causes undue harm to my credit profile. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. I seek the immediate deletion of this unvalidated account from my credit report by XXXX. Furthermore, I demand that Columbia Debt Recovery cease all collection activities unless they can provide full and valid documentation proving the legitimacy of this debt, as required by law.
Product: Debt collection

on XXXX sent a debt validation letter through certified mail to the address on the emails they sent, letter was signed XX/XX/XXXX at XXXX by XXXX XXXX XXXX No documents were sent to me showing that I owe the amount. The collection company has continued sending emails trying to collect XX/XX/XXXX - email was sent by XXXX XX/XX/XXXX - email was sent by XXXX XX/XX/XXXX - email was sent by XXXX XX/XX/XXXX - email was sent by XXXX XX/XX/XXXX - email sent by XXXX XXXX - email sent by XXXX XXXX - email sent by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the week ofXX/XX/XXXX, I reached a settlement on the two credit card accounts I have with XXXX. On XX/XX/XXXX, I paid off both credit card accounts with XXXX for the settlement amounts, ending in XXXX for {$560.00} and XXXX for {$4400.00}. XXXX has reflected the payments I made to the 3 credit bureaus XXXX, XXXX, and Transunion, but refused to report the accounts paid in full and the remaining balance is posted as due and owing. I contacted XXXX on multiple occasions and was told I would be receiving a fax, which never occurred. On the most recent call, I was told the fax would take 10 days from XX/XX/XXXX which is an unreasonable length of time ( over 21 days since payoff, if it is ever sent ). I have previously exhausted the dispute process with the credit bureaus and since no letter was provided by XXXX I am unable to provide written proof of the settlement. Verbally, XXXX acknowledges a settlement was reached and the account was paid. However, they refuse to simply put it in writing on a brief document and provide it to the consumer, and have not updated the accounts as settled with the three credit bureaus. They state it will take 2 or 3 MONTHS to report the settlement! I feel XXXX is intentionally delaying since they have received their payments, and this is unfair to the consumer. I paid promptly upon settlement, XXXX needs to demonstrate the settlement promptly in writing and with the three credit bureaus. I have attached a copy of my triple bureau credit report which reflects the XXXX accounts that are incorrectly reported.
Product: Debt collection

I sent certified mail to National Credit Systems on XX/XX/2019 to send proof of this debt and where was it acquired from what was the original amount, proof of my signature, etc. They have yet to provide to me any of the information I have asked and our now in violation of FCRA and FDCPA.
Product: Debt collection

During Covid, we electronically signed a 9 month apartment lease for my daughter to attend college. The day I signed, was traveling for business and read agreement, noticed their error and called. The " kid '' answering the phones for XXXX 's XXXX said he was the one who drew it up and wpuld make the change and file it. My daughter, XXXX, and I repeatedly called and wrote messages in the portal - every time they apologized and said it would be corrected. When she was moving out, they imformed her it was a 12 month lease ( her roomate, wh she signed with had a 9 month ) - we explained the whole situation and they denied it. I wemt to the portal to retrieve the messages and was locked out of it. I have corresponded in writing, letters, directly to them and collections agency. The collections agency discontinued contacting me after the letter and is now contacting my daughter. The error is on their inept staff and due to short staffing issues during covid. My daughter and her roommate were never able to get answers and when they would walk to the office, no ome would be working. We paid our 9 months. 
We were out of the apartment after 9 months, paid on time and respectful renters. Change the lease to the 9 month period and we are paid in full. As we repeatedly tried to get them to do and employees stated they would get it changed. " No problem ''. But when we would ask for a revised copy there was no response, calls, messages. Just please drop the invalid 3 mos rent. A XXXX in college, came home for the summer - 2021
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. 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 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, Non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I see multiple inquires that I did not do on my credit report. I contacted Equifax, XXXX and XXXX to remove them. They all advised I should file a report with the CFPB in order to get these issues fixed on my credit report.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late of of XX/XX/2017. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint to re-dispute the inaccurate and inconsistent reporting of the XXXX XXXX XXXX  Account XXXX across different credit bureaus. Specifically, under 15 U.S.C. 1681e ( b ), I have identified several discrepancies that require immediate correction. After thoroughly reviewing my credit reports, the following issues have come to light : XXXX XXXX : The payment history associated with this account varies between the credit bureaus, and the Date Closed also differs. 
Account XXXX : The reported Date Opened, Balances and other account details differ significantly across the credit bureaus. 
Account XXXX and Remarks : The account type and remarks provided in the reports are inconsistent. 
Last Date of XXXX : The last date of activity reported for this account varies between the credit bureaus, with differing remarks. 
These inconsistencies suggest improper updates that are misleading and harmful to my credit report. Despite these issues, your investigation results indicate that the account was allegedly updated as accurate, according to TransUnion. However, XXXX 's dispute results ( XXXX XXXX : XXXX, Date Issued : XX/XX/year> ) show that this account has been deleted from my credit file. 

I believe that the failure to properly investigate this account has resulted in the continued reporting of incorrect information. This neglect violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. 

Given these ongoing issues and the failure to correct them, I am formally requesting that XXXX XXXX XXXX Account XXXX be deleted from my credit report immediately. This neglect violates my rights under the FCRA, and I expect prompt corrective action. 

I have included copies of my credit report from TransUnion, highlighting the inconsistent reporting across multiple credit bureaus, as well as the dispute results from XXXX. 

Rights Under 15 U.S.C. 1681n If this issue is not resolved, I will exercise my rights under 15 U.S.C. 1681n, which pertains to civil liability for willful noncompliance under the FCRA. Key provisions include : Willful Noncompliance : Any person who willfully fails to comply with FCRA requirements is liable to the consumer. 
Damages : Consumers may recover actual damages or statutory damages ( from {$100.00} to {$1000.00} ), as well as punitive damages and attorney 's fees.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit card or prepaid card

I have a Macya credit card ; it is issued by Department Stores National Bank pursuant to a license from American Express. 

I cant find the interest that I am being charged on the online statement or anywhere on their website. 

I only get an online statement. I called them and was unable to speak to a customer service person.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, My bank account information with XXXX XXXX XXXX XXXX was hacked and someone was able to take out a fraudulent loan in my name. XXXX XXXX XXXX XXXX is aware that it was a fraud loan, but continue to punish me by stating that I am responsible for the fraudulent loan amount and that it will continue to negatively affect my credit score if it is not paid. I have called numerous times, and spoke to the manager of the loan department. No one was helpful, no one took me seriously and there was no help whatsoever offered. The person was even identified using an IP address that Ive never used before in a different state. They have no account security or recovery policies in place to help their customers who are victims of fraud because of their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I reviewed my credit report and noticed information that was incorrect with 2 of my accounts. According to Experian, XXXX and XXXX I was late on these accounts, which is completely false, as I have already verified this information with the creditors. I proceeded with sending Experian, XXXX and XXXX dispute letters outlining what was incorrect on my file. 

XXXX sent me a response to my dispute on XX/XX/2022 stating they did not understand the nature of my dispute, which I think is a stall tactic and violation of the FCRA, because I was very clear that I was disputing the status of my accounts, reflecting incorrect payment history. 

I have yet to receive a response from XXXX on their investigation results and it has now been over 30 days since I sent in my dispute letter. 

Experian, XXXX and XXXX are both in direct violation of US Code 1681a Paragraph 2, which states " Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ''.

And according to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT! 

As an XXXX XXXX it is already hard to navigate the stigma within this country 's financial institutions and having erroneous information reporting on my credit profile just makes it so much difficult for me to be a able to provide a better quality of life for my family. 

Please help me correct this erroneous information!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give XXXX, XXXX, EXPERIAN written permission to furnish these accounts listed below. 

1. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

8. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 9. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
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 condentality under 15 USC 1681. XXXXXXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. 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. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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: Checking or savings account

I got involved in a scheme. Without my knowledge or verification money was transferred from my savings account {$50000.00} to my checking. I did not know the transfer occurred and was told I did something to cause this transfer and I must return the money. I returned {$25000.00} before I realized what was happening. I asked Chase bank how this transfer could happen. They sent me XXXX texts asking if I was making this transfer. It was a busy day for me and I did not see the verification requests. The transfer was made without me knowledge. I questioned how this could happen. 
I've received an update stating No action will be taken, this inquiry is now resolved from the customer claims department. How could this be?
Product: Mortgage

We 've been in process to buy this condo in XXXX since XX/XX/XXXX, we have so many delay with the loan and approval from my loan officer ( XXXX XXXX ), we got XXXX counter offers because the due date has passed, the price went up from $ XXXX to {$410.00} as final price. 
Since last year we already told XXXX that we do not want any points on the loan since we will refi anyway. 
On XX/XX/XXXX he sent me a GFE the closing cost total is $ XXXX, and on XX/XX/XXXX he sent me another email the total closing cost revised to $ XXXX due to 1.625 % points and we have to sign the documents by XXXX since they have to close everything on XX/XX/XXXX otherwise we will lose out down payment of $ XXXX. 
His argument is due to my credit score only XXXX, I mention to him, my credit score did n't change for the last 2 days and he said he did n't lock the rate and it charge points after he lock it. 
I feel like I 've been set up since they charge me points for $ XXXX like 2 days before the closing day. 
My question is : is this even legal? 
I know the rule that they ca n't increase from GFE to HUD more than 10 % but this is from GFE to a revised GFE, is this legal? If it 's not, how do I get the points fee back? 
Thank you in advance for your help.
Product: Debt collection

Focus Receivables management continuously calls my number and floods my voicemail with something saying I owe a debt. The only thing in my name is my car which is paid off and taxes are paid every year. I do not owe money to the government so I know it has nothing to do with that. the only thing I could think of was something medical from when I was in high school under my parents insurance which means it is not my problem