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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts with XXXX. One account have been paid in full from XX/XX/XXXX of {$180.00}. I also have another account of {$280.00} which have been paid in full. However, I received an alert that these paid accounts are delinquent after they have been paid in full. I also realize that an account appeared on my report for {$400.00} from XXXX which I know nothing of. The company need to evaluate their reporting under the FCRA as this is illegal to report something that is untrue.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to bring attention to the serious violations of the Fair Credit Reporting Act ( FCRA ) associated with the XXXX XXXX XXXX collection charge-off account on my credit report. The inaccuracies and discrepancies in the reporting of this account have resulted in significant harm to my creditworthiness and financial standing. 
Upon reviewing my credit report, I discovered substantial inaccuracies pertaining to the XXXX XXXX XXXX collection charge-off account. These inaccuracies specifically concern the dates associated with the account, including the date opened, last reported date, and last active date. 
The inaccuracies present on my credit report are in clear violation of the FCRA, a federal statute designed to protect consumers from inaccurate credit reporting. The specific FCRA sections and clauses that have been violated include : FCRA Section XXXX ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX XXXX XXXX account constitute a breach of this obligation. 
FCRA Section XXXX ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation. 
FCRA XXXX XXXX : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumers credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
These legal violations have not only compromised the integrity of my credit report but have also infringed upon my rights as a consumer. As a result, my creditworthiness has been severely affected, making it challenging to access credit and financial services.
Product: Debt collection

I have been contacted by a firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX,, Georgia XXXX they first called themselves, XXXX, XXXX XXXX XXXX XXXX for a debit I could not have incurred as it was when my father was Ill and later died. Then with the same address a group called XXXX XXXX XXXX did the same thing, both representatives threatened to sue me for a firm LVNV.
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 title 15 U.S.C. 1681 : XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX : # XXXX HAVE ALL VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS. 

15 U.S.C. 1681 Section 602 A : States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681C ( a ) ( 5 ) ( 6 ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

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.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.
Product: Student loan

I recently reached out to EdFinancial regarding my student loan, which I incurred due to the closure of my school, XXXX ( later renamed XXXX ). The institution engaged in predatory and deceptive recruitment practices, misleading me with false promises and wrongfully extracting federal funds. As a result, I have been left in significant financial debt. 
The fraudulent activities committed by XXXX have severely impacted me financially. They misled me and engaged in various forms of fraud, leaving me with loans for an education that was either subpar or never fully delivered. In light of the school 's closure and these predatory practices, I contacted EdFinancial to seek assistance and potentially resolve the outstanding debt related to these unjustly obtained loans. 
I recently reached out to EdFinancial regarding my student loan, which I incurred due to the closure of my school, XXXX ( later renamed XXXX ). The institution engaged in predatory and deceptive recruitment practices, misleading me with false promises and wrongfully extracting federal funds. As a result, I have been left in significant financial debt. 
The fraudulent activities committed by XXXX have severely impacted me financially. They misled me and engaged in various forms of fraud, leaving me with loans for an education that was either subpar or never fully delivered. In light of the school 's closure and these predatory practices, I contacted EdFinancial to seek assistance and potentially resolve the outstanding debt related to these unjustly obtained loans. The amount of the loan Im disputing is with Ed financial the amount in the system is XXXX I contacted student federal loan department and was given the numbers below Year, Subsidized, Unsubsidized XXXX XXXX
Product: Credit reporting or other personal consumer reports

Improperly reinserting inaccurate information on consumer reports : Experian has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, Experian improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX. Account # : XXXX XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX and XXXX on XX/XX/XXXX. It been well over XXXX XXXX, I still have not received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX and XXXX have XXXX XXXX to respond to my dispute. 

This is a violation of my rights I need all of the items I disputed removed from my credit report immediately. 

Items still on my report : XXXX XXXX XXXX Credit usage XXXX XXXX Balance {$5400.00} Balance Updated XX/XX/XXXX Credit limit {$5500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line Of Credit XXXX XXXX usage XXXX XXXX  XXXX {$3400.00} Balance Updated XX/XX/XXXX Credit limit {$3600.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX  XXXX LATE XXXX XXXX XXXXXXXX XXXX XXXX Balance {$570.00} Balance Updated XX/XX/XXXX Credit limit {$16000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type XXXX XXXX  XXXX  XXXX Balance details XXXX XXXX paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$3100.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type XXXX XXXX XXXXXXXX Balance details XXXX XXXX  paid off Balance {$35000.00} Balance updated XX/XX/XXXX Original balance {$36000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX, XXXX Account type XXXX XXXX XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked several times from the car dealer and the bank about the credit report they pulled up in order to give me a interest rate of 15.99 % on my car loan and they have denied me of it. They told me that they don't have to give it to me and that I signed the contract already it want change nothing. Shady practices. Can someone help me retrieve the information that they pulled up at the time of purchase so I can make sure I wasn't screwed.
Product: Credit card

XXXX / bank of america Issued a check to my loan with XXXX without my authority and will not recover it from the loan. Many many calls and hours on the phone with no results
Product: Credit reporting or other personal consumer reports

On ( XX/XX/year> ), I sent a letter to ( ABILITY RECOVERY SERVI ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( ABILITY RECOVERY SERVI ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( Enter Date Mailed ), along with an updated FTC identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX these two charges were processed on a US Bank credit card that I called and closed in XXXX of XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX MA {$96.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX DE {$99.00} I have to assume that even though I asked for the card to be closed it was, in fact, not properly closed. Due to this belief, and because US Bank did not send me any statements to notify me that these charges existed, I was unaware of them until I received a letter from US Bank notifying me that the account was 30 days past due. Consider that for 8 months I believed this card was closed. I lived my life as if this card was out of the picture, obviously I was not attempting to log in and check on the balance and payment. 

Upon receipt of the letter, I called US Bank to pay off the card and, again, close the account. I also explained the situation, asking if US Bank could remove the 30 day late report. They said it was not something they had the ability to do and I would need to discuss with the credit bureaus. For the record, I don't believe that is accurate. I believe US Bank does have the ability to correct this issue. Nevertheless, I proceeded to challenge this 30 day late with all XXXX bureaus. 

XXXX just concluded their investigation and has not removed the 30 day late for the reason that " The company that reported the information has certified to XXXX that the information is accurate ''. That is an apathetic " investigation '' at best. I never claimed the information was not accurate. I am claiming that the charges should never have happened and that I had no idea they even existed because US Bank did not notify me of them. For those reasons I should not have a negative mark on my credit report. Again, this has occurred on a card that should be closed. 

My credit score is supposed to reflect my ability to use debt. In 25 years of history I have never had a single negative mark on my credit report. If you see my report you will notice that I paid every other debt leading up to XX/XX/XXXX, during the month of XXXX, and thereafter. This situation has nothing to do with my ability to responsibly use debt but rather has to do with a failure of US Bank to close my account as requested and subsequently failing to notify me that charges existed on this card.
Product: Credit reporting or other personal consumer reports

I am formally demanding for the LAST time that the proper update be made to this account on ALL consumer reporting agencies as PAID IN FULL AND NEVER LATE. XXXX XXXX XXXX XXXX XXXX is insured by the XXXX XXXX XXXX XXXX ( XXXX ) and ALL accounts are backed up to {$250000.00}. Furthermore, this account is listed as a CHARGE OFF which is a certificate of indebtedness and is actually considered an INCOME per IRS publication XXXXXXXX XXXX XXXXIRS website : Canceled debt. If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in XXXX  XXXX applies. **** During dispute of this debt, I was not given proper validation even after contacting the furnisher on multiple attempts. My consumer reports NEVER showed the account was in dispute or removed within the proper time frame, even after all documentation was sent to proper parties. 

Violations listed under the FDCPA and FCRA : 15 U.S. Code 1681c-2 ( a ) 15 U.S. Code 1681c-2 ( b ) 15 U.S. Code 1681e ( b ) 15 U.S. Code 1692e ( 2 ) ( A ) 15 U.S. Code 1692j ( a ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692b ( 2 ) 15 U.S. Code 1666d ( c ) 15 U.S. Code 1681 ( h ) ( d ) 15 U.S. Code 1681m ( a ) ( 4 ) ( b ) 15 U.S. Code 1681m ( b ) ( ( 2 ) ( c ) ( ii ) 15 U.S. Code 1681m ( d ) ( 1 ) ( d ) 15 U.S. Code 1681m ( d ) ( 4 ) 15 U.S. Code 1681m ( e ) ( 1 ) 15 U.S. Code 1681m ( e ) ( 2 ) ( b ) 15 U.S. Code 1681m ( e ) ( 4 ) ( ii ) 15 U.S. Code 1681m ( f ) ( 1 ) 15 U.S. Code 1692g If the matter is not solved within 5 business days I will be filing arbitration/small claims court for all parties involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-Transunion are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am dsiputing because of your failure to be compliant and follow the law.I will pursue litigation if you fail to delete this information outlined in the letter enclosed.
Product: Mortgage

My mortgage servicer is supposed to pay my homeowners insurance policy. 
They have not done so yet. 
The policy was due on XX/XX/XXXX. 
My insurer confirms that they have not yet received payment. 
This is the XXXX year in a row that my mortgage servicer has done this. 
I believe it is their way to get me to use their own insurer. By letting my own insurance policy lapse, they'll force my hand to use theirs. 
I have contacted my loan servicer several times over the past XXXX months to ensure this wouldn't happen in the first place prior to the XX/XX/XXXX due date, and a few times since, and I don't receive satisfactory answers.
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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights.

15 U.S.C. 1681 SECTION 602 A. STATES I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A. SECTION 2 : It also states A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692c 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.

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
Product: Credit reporting or other personal consumer reports

Purchased a XXXX XXXX XXXX XXXX on XX/XX/year> from the XXXX of XXXX XXXX dealership. Car bad XXXX miles when I bought it and it now has XXXX miles. The dealership lied to Experian XXXX and on the Louisiana XXXX registration that my car falsy has XXXX miles to try to burn me out of the factory warranty.
Product: Debt collection

XX/XX/18 AARGON Agency Inc, XXXX XXXX  XXXX XXXX. XXXX XXXX NV XXXX place a collection on my credit report for {$2900.00}. Representing XXXX XXXX, XXXX Florida, for a XXXX XXXX  bill that I am not responsible for. I am uploading a document from Florida XXXX XXXX XXXX  showing that I am not responsible for the balance, and what AARGON and the XXXX XXXX are doing is illegal under Florida law.
Product: Debt collection

ON XX/XX/2018 i contacted XXXX XXXX ( AFNI, INC ) in regards to a total amount of {XXXX} debt stating I owed to company. I have explained to company this debt is falsely verified and is not mines. Company insisted rudely that i pay this debt. I do not have a contract with XXXX XXXX, and i am not liable for NO debt with this company.
Product: Credit card

Formal Complaint Regarding Cred.ai 's Violation of Consumer Protection Regulations Dear Sir/Madam, I am writing to formally file a complaint against Cred.ai for their egregious mishandling of a dispute concerning unauthorized transactions on my credit card account. The transactions in question transpired in XXXX, Florida, notwithstanding my registered residential address in XXXX, XXXX XXXX, Florida. 

On XX/XX/year>, at XXXX XXXX XXXX, I received correspondence from XXXX ( cred.ai ), notifying me of the denial of my dispute based on their purported investigation, which purportedly unearthed evidence positing the transactions in question as authorized by myself. However, it is abundantly clear that Cred.ai has egregiously contravened consumer protection statutes through their facile dismissal of my claim without

adequate due diligence or substantiating evidence. 1. Deficiency of Substantiating Evidence : Cred.ai 's ostensibly conclusive evidence offered in refutation of my dispute consisted solely of declarative assertions devoid of tangible corroboration such as visual documentation, authenticated witness testimonies, or irrefragable transactional records. This paucity of
probative evidence casts profound aspersions upon the veracity and validity of their findings. 

2. Geographic Discrepancy : The subject transactions transpired in XXXX, Florida, a locale extrinsic to my residential abode. Cred.ai flagrantly neglected to duly consider this material geographic incongruity in their investigative purview, evincing a manifest dereliction of their fiduciary obligations. 

3. Negligent Authentication Practices : Cred.ai propounded login activity to my account as evidentiary substantiation of purported authorization. However, the mere occurrence of login engagements does not axiomatically infer authorization of the specific transactions under contestation, particularly in light of plausible scenarios implicating identity theft or unauthorized access to my account.

In light of the foregoing, it is manifestly apparent that Cred.ai has transgressed statutory imperatives delineated within the purview of the Consumer Financial Protection Act ( CFPA ), specifically Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1031 ( 12 U.S. Code 5531 ), which proscribes unfair, deceptive, or abusive acts or practices ( UDAAPs ) in consumer financial products or services. Furthermore, Cred.ai 's actions contravene the Fair Credit Billing Act ( FCBA ), particularly Title 15 U.S. Code 1666, which mandates the procedural obligations and rights pertinent to billing error disputes.

Enclosed herewith are pertinent evidentiary exhibits inclusive of correspondences with Cred.ai and documentation elucidating the contested transactions, for your judicious appraisal and discernment.

Thank you for your expeditious attention to this grave matter and eagerly await your substantive response. 

Respectfully, XXXX XXXX