23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My merchant services WAS BANK OF AMERICA, and there was a donation charged ( via the website ) of {$9000.00} awarded to the company XXXX XXXX for our future on XXXX/XXXX/XXXX, and fees have been paid on this charge. However, the {$9000.00} never went into the company account. Due to a merchant service rep error, i did n't live in the state i was running the business and this was my first transaction with them ... security stepped in. I was told by XXXX XXXX XXXX that the funds will be returned. I requested a letter ( til date, i still have not received ) on this action. XXXX XXXX went on vacation and XXXX XXXX stepped in and also stated the information of the return will be mailed to me. ( still nothing ). on XX/XX/XXXX, customer was told to dispute the charges because our company did not have the funds. I have now been forwarded to XXXX ( XXXX. ) I have left over XXXX messages on each voicemail and there has been no return calls. I think BOA thought no one would miss the {$9000.00} because no one said anything about it for almost a month. I no longer have any business with boa to even get this money and they have not refunded the customer. There is no feedback to any calls or emails and the merchant that set the account up says he has nothing to do with it any longer. So I am filing a complaint at this point for fraud.
Product: Debt collection

Re : Cease and Desist Demand Regarding Account : XXXX To Whom It May Concern : This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ), that you immediately cease and desist all communication with me concerning the alleged debt referenced above. 

I hereby dispute the validity of this debt and assert that your continued reporting of this inaccurate information to credit reporting agencies without proper notice constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Such actions are damaging to my creditworthiness and are unlawful.

If you fail to comply with this demand, I will not hesitate to : - File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as notify the Attorney General 's office in my state.

- Pursue all available legal remedies against your organization, including but not limited to, claims for statutory damages, actual damages, and legal fees, as provided under the FDCPA and FCRA.

Be advised that continued unauthorized reporting of this disputed debt may result in significant financial liability for your organization.

I expect written confirmation within XXXX days that you have ceased all collection activities and have corrected any inaccurate information reported to credit bureaus.

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

BSI Financial Services are trying to add back taxes on to my mortgage that I incurred while with a previous mortgage company. My taxes and insurance have all been accounted for with my escrow. Ive complained enough that I went to refinance with another company and they tried to tell that company that I was behind in XXXX. Thats the month I appealed the previous taxes and was told it was resolved. This company is a scam. I have legal representation that Im currently acquiring.
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
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

On XX/XX/2024, I looked at my report. I sent a certified letter and supporting documents to Experian on XX/XX/2024, asking them to reinvestigate personal information, whereas they received documents on XX/XX/2024 : Here is my Tracking Number : # XXXX XX/XX/2024, they sent me their investigation whereas, none of the incomplete information was corrected and still is inaccurate. 
I looked at my report again and everything is still the same. 

According to XXXX XXXX XXXX ( XXXX ) they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 
( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Furthermore, according to XXXX XXXX XXXX they are to ensure this ( b ) they are supposed to ensure this Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

Also, according to XXXX XXXX XXXX ( XXXX ) ( A ) ( B ) ( i ) Accuracy of report. 
( 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Experian really did not reinvestigate they lied on an official document saying they did something they did not do. I ask you to delete these accounts due to inaccurate incomplete information being published. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Department XX/XX/2023 Re : Request for Addition of Credit Information To Whom It May Concern, I am writing to request that you please include the additional information attached to my credit history report. You may verify this information with the source and I have included their contact details. According to the Fair Credit Reporting Act ( FCRA ), Section 602 ( b ), I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my positive payment history with XXXX XXXX be added. This will justly reflect my payment history. Therefore, I request that you immediately verify and add the enclosed payment history to my credit file.Enclosed is closed proof of my account since i got added onto the credit profile Please notify me within 30 days that the additional credit information has been added by sending an updated copy of my credit history report to my address above. The FCRA states " a consumer 's credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. '' By adding this information to my records it will help to reflect a more accurate credit history report. If you require that this information be submitted to you directly from the source, please indicate the procedure and your fee to fee to add this information. 

Kind regards, XXXX XXXX
Product: Debt collection

I received a call from PATIENTS ACCOUNTS BUREAU on XX/XX/2022 at XXXX and on XX/XX/2022 at XXXX. Today, this company called me and stated they were attempting to collect a debt. The person who called me was named XXXX. Pursuant to XXXX XXXX XXXX, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well according to 15 U.S. Code 1681b ( 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. 

As a consumer I never gave no credit bureau any written consent! 

No consent is Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I called Experian because I am the victim of identity theft and had a few questions. In the Consumer Notes there was things written there that wasn't placed by me. It stated that I was active military. I am not. The security freeze removed, not by me. The disputes I called in and made about wrong names, socials. and address, they were corrected yesterday, and suddenly were put back. This man worked in the department that deals with Identity, a service I pay for. I have never been treated so rudely. He didn't answer my questions and hung up on me while I was in mid sentence. I called back. He answered. He said he didn't hang up on me our business was conclude, and I don't time I have 15 calls on the board. He refused to give me his name. I asked to speak to his supervisor, he says " no. '' Once again the call was disconnected. 

This is the kind of person I am suppose to trust? I am paying to be treaded like a number on a board. I don't like to incontinence anyone. But I am at a limit were I am just a bit lost. I spoke with the adjuster today. I was returning her call. She was willing to answer any questions I had about the claim, but was just cold. I have to figure out how to cancel this service and go to one that actually wants to help people. 

The number was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the call lasted one min. 

i printed out my call log to prove it. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

On multiple occasions, starting on XX/XX/year>, I have written letters to XXXX XXXX XXXX XXXX  to ask for verification of an alleged debt. They have not responded. XXXX XXXX XXXX XXXX has illegally posted an account to my credit bureau XXXX. 



XXXX XXXX XXXX XXXX  Acct Number : XXXX Alleged Amount of debt : {$1200.00}
Product: Credit reporting or other personal consumer reports

Section 607 ( b ) ( 15 U.S.C.

1681e ( b ) ) - Accuracy of Reports Credit reporting agencies ( CRAs ) are required to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

If inaccurate or incomplete information is identified, it must be corrected or removed promptly.

Section 611 ( 15 U.S.C. 1681i ) - Dispute Process Consumers have the right to dispute any information in their credit report that they believe is inaccurate or incomplete.

Upon receiving a dispute, CRAs must : Investigate the claim within 30 days ( or 45 days if the consumer provides additional information ).

Notify the furnisher of the disputed information.

Correct or delete information that can not be verified or is found to be inaccurate. 
Consumers must receive a written notification of the result of the investigation.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} U.S. Bankruptcy Court Reference : # XXXX
Product: Money transfer, virtual currency, or money service

- Last XX/XX/2019, an unknonw user, intentionally or unintentionally, has opened a Paypal account using my owned email XXXX ( together with other personal data I had no visibility at all ) - Then, I received a Paypal email requesting me to confirm my email address for the just created Paypal account, email that I never confirmed. 
- On the following days, I reported Paypal both by phone and by dpo@paypal.com ( Data Protection Office ) email, that I wanted to unlink my email address to the recently opened Paypal account. And I was replied that : 1. It was possible to send paypal money from account whose email has not been verified ( but not receive money ) 2. I can not remove my email from the Paypal account ( I was suggested to open another XXXX account ) or take control of it as the " forgot password '' link requests all the personal data at the time that the account was opened.
Product: Debt collection

XXXX offered service. Never connected service in my house. I cancelled appointment to connect service. XXXX unfairly charged me for services I did not use.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting

This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX XXXX XXXX. XXXX XXXX unilaterally and incorrectly directed the monthly payments to payment of insurance, this error was subsequently corrected ( prove of the inaccuracy ) ; nevertheless the late payments continue to appear on my report. I am requesting that the account is removed due to this inaccuracy.
Product: Vehicle loan or lease

I am a 15 year client of Alliant Credit Union. I was denied a {$18000.00} used car loan with no explanation except an XXXX XXXX Notice denying credit and box checked, Equal Credit Opportunity Act Notice, checked Consumer Financial Protection Bureau.

The credit Union only offered me to call this agency but NO Explanation so I can clear my credit. Please guide me to next steps.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX acct # - XXXX US Dept Ed acct # - XXXX US Dept Ed acct XXXX - XXXX US Dept Ed acct XXXX XXXX XXXX XXXX XXXX  acct # - XXXX XXXX XXXX  acct # - XXXX XXXX Acct- XXXX XXXX XXXX Acct- XXXX XXXXXXXX XXXX XXXX  Acct- XXXX XXXX XXXX XXXX XXXX Acct.- XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Halsted Financial Services has violated several of my federally protected rights and I have notified them of such actions. Halsted Financial received my mail on XX/XX/XXXX and has failed to compensate me for each federally protected violations under the Fair Debt Collection Practices Act. Halsted Financial is in violation on 15 USC 1692a ( 2 ) as Halsted Financial Services used email, and postal service to communicate with me the consumer ( natural person ).

Halsted Financial is also in violation of 15 USC 1692a ( 4 ) as they stated that XXXX XXXX XXXX was the original creditor but the term creditor states that it is a person who offers or extends credit creating a debt so I am in fact the original creditor. 
Halsted Financial is in violation of 15 USC 1692d ( 2 ) as saying that I am in debt when I am in fact the creditor is obscene and profane language to me. 
Halsted Financial is also in violation of 15 USC 1692b ( 2 ) as it states that you can not state that a consumer owes any debt
Product: Credit card

on XX/XX/2017 I went into the Macys store in XXXX in XXXX Illinois to make my payment in full that was due XX/XX/2017. The payment was done by electronic check and when the payment cleared on my bank statement I destroyed the check. Macys sent me a bill the following month that st5ated no payment was made and billed me late fees and finance charges. Macys took my money and applied it somewhere but not to my account. I contacted XXXX bank and filed fraud claim number XXXX on XXXX to date macys has my money and XXXX has not advised if they were able to trace the funds.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXAccount Number : XXXX reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account Name : XXXX XXXX  XXXX Account Number : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries on all three of my credit bureaus. The letter detailed the specific inquiry in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau, Experian. 

Below are the detailed inquiries I asked to have investigated in early XX/XX/XXXX. None of the 3 credit bureaus responded. Literally, zero response. Which violated the law since they needed to respond in writing within 30 days. I am now requesting under the FCRA since the credit bureaus did not respond to the CFPB investigate this matter further and for the credit bureaus to provide written evidence of their investigation. Please see the attached documents and items details below that were originally being requested to be investigated and evidence provided of an actual written request for a hard inquiry. 

Experian - Inquiries to be investigated : 1.Inquiry Date XX/XX/XXXX, and XXXX, XXXX ( 3 times ) Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX NOTE : The inquiry above should only be once, not 3 times! An error was made by the Experian or the vendor. Only 1 inquiry should show. Please investigate per FCRA. 


2. XXXX XXXX XXXX XXXX XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, NE XXXX BYMAILONLY Note : Above, This is not recognized and should be removed. Please investigate per FCRA. 

3. XXXX XXXX XXXX 
Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, VA XXXX Note : Above, the XXXX XXXX should have been a soft not hard inquiry per XXXX  XXXX as an existing client. Investigate per FCRA 4. One MainInquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Note : Above, I do not recognize this company and do not recall giving authorization. Please investigate per FCRA. 

5. XXXX XXXX XXXX Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Note : Above, I do not recall requesting a credit card in XX/XX/XXXX from XXXX. Please investigate per FCRA. 

Thank you, XXXX XXXX XXXX CFP ( R )