23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to " verify '' the accounts I disputed. Being that they have gone past the 30-day mark and CAN NOT verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... '' promptly delete all information in which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX received my XX/XX/2021 auto loan payment on XXXX XXXX, 2021 ( due date XXXX XXXX, 2021 ). However, XXXX misapplied my payment to the wrong account of a related family member. I received a collection call from XXXX when the account went 30 days past due. I requested XXXX to correct the misapplied payment, which they did. However, they did not reflect the true payment date of XXXX XXXX. 
My credit history on XXXX and TransUnion reflects a 30-day delinquency, which has significantly impacted my credit score unfairly as the payment was received before it was due, which tells me that XXXX has not correctly reported my account history to the credit bureau agencies XXXX 
I have attached a screen shot of my payment history from my XXXX XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unresolved inaccuracies on my credit reports with Experian, XXXX, and XXXX. Despite submitting disputes and providing documentation on XX/XX/2024, regarding erroneous accounts from XXXX XXXX XXXX and XXXXXXXX XXXX, these agencies have failed to rectify the errors. This ongoing issue has caused significant emotional distress and financial harm. I request immediate correction of these inaccuracies and resolution of this matter. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to bring attention to a concerning matter regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this alleged debt. Furthermore, I have serious doubts about the accuracy and validity of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of this debt. Thus, I kindly request that you provide me with the required validation information and take appropriate actions to address this issue properly.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : 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 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$1200.00}, {$930.00}, {$920.00}, {$2400.00}, {$0.00}, {$0.00}, {$0.00}, {$940.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

6. XX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$940.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC v. XXXX, XXXX XXXX ___ ( XXXX ) In sum, dismissal on the stated ground that XXXX had failed to comply with a XX/XX/XXXX order to amend his complaint is unsupportable because the order referred to did not in fact order XXXX to file a new complaint. Dismissal with prejudice was inappropriate because the amended complaint stated nonfrivolous claims and sufficed to give defendants notice of the substance, and many of the details, of XXXX 's claims. Further clarification of his claims may properly be gained through discovery. We conclude that the district court 's dismissal of the amended complaint was an abuse of discretion.

We have considered all of defendants ' arguments in support of the dismissal and have found them to be without merit. The judgment of the district court is vacated, and the matter is remanded for further proceedings not inconsistent with this opinion. 

Costs are awarded to plaintiff against those defendants who have been served. 

XXXX XXXX XXXX, 49 F.3d 83, 88 ( 2d Cir. 1995 )
Product: Debt collection

IC collection company drop 30 points in my credit report for a debt not owned from me, they not want to shoe me the contact I call them so many times to fix the problem and remove the collection from my credit repot and they dont give any answer. Please some body have to do something to this abusers.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

XXXX XXXX XXXX has not provided validation of debt as requested. I also never signed a legal contract with XXXX XXXX XXXX, nor did I give them permission to purchase my account information. Failure to provide me with validation of debt is illegal. The original creditor wrote the debt off and received a tax credit. I have requested a 1099c on multiple occasions as well as validity of the alleged debt and have received nothing but cold texting, and harassment.
Product: Credit card or prepaid card

I went to the Capital One XXXX in XXXX Washington DC, and was told I was signing up for a secured credit card, and that I would be able to deposit money into account to use as collateral. I was planning on depositing {$1000.00}, but I was lied to. They signed me up for a credit card that was unsecured with a {$300.00} limit and {$40.00} annual fee. I tried closing but they kept forwarding my call to another department. I spent an hour and 15 minutes and didn't get anything. I then asked to get a secured card, and they rejected my application. Is this legal?
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies and unauthorized actions on my credit report, which violate federal laws under the Fair Credit Reporting Act ( FCRA ) and other U.S. Code provisions. Here are the specific issues : Inaccurate Payment History : The account with XXXX is incorrectly reporting late payments. This is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), which requires accurate reporting, particularly during protections offered during COVID-19. I have requested that this account be updated to reflect " paid as agreed/never late. '' Unverified Debt Collection : The account with XXXX XXXX is not validated, as required under 15 U.S.C. 1692g. Debt collectors are obligated to provide proof of the alleged debt, including the original contract or agreement bearing my signature. Failure to do so also violates 15 U.S.C. 1681e ( b ), which mandates 100 % accuracy in reporting. I have demanded validation or the immediate removal of this item. 
Unauthorized Hard Inquiries : Several entities, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, have conducted hard inquiries on my credit report without my authorization. These actions violate 15 U.S.C. 1681b ( a ) ( 2 ), which restricts access to consumer reports to permissible purposes only. I am requesting the deletion of all these unauthorized inquiries.

Inaccurate Personal Information : My credit report contains inaccuracies in personal information, which must be corrected under 15 U.S.C. 1681i. Credit reporting agencies are legally required to investigate and correct incomplete or inaccurate information within 30 days. 
Lack of Proper Investigation : Experian has a legal obligation to conduct a reasonable investigation when notified of disputes. As clarified in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this investigation must go beyond superficial checks. Failure to meet this standard could result in liability under 15 U.S.C. 1681n ( willful non-compliance ) or 1681o ( negligent non-compliance ). 
I am demanding that these issues be addressed immediately, including thorough investigations, corrections to my credit report, validation of debts, and the deletion of unauthorized inquiries. If these matters are not resolved within the mandated timeframe, I will escalate the issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) or pursuing legal action.
Product: Checking or savings account

on XX/XX/XXXX I made a deposit at a td bank branch atm of XXXX. The atm took my money which was two XXXX XXXX dollar bills then an error code came up on screen saying unable to process bulk deposits, gave me back my card, and not my money and then screen cleared. I immediately called td bank while there and they said they are filling a dispute and I should receive my funds in 3 business days. on the XXXX there was still no funds returned so I called again and was told that the claim on the XXXX was not done properly and they would have file another claim. now it is XX/XX/XXXX and I was told it has not been looked at still.
Product: Consumer Loan

I am out of work right now and are unable to pay for this loan I have with Gold Star Finance, the manager is XXXX XXXX his # is XXXX, I understand I have to pay, I just need some time, this person almost tears down my front door, is here every other day in different cars and at different hours, my daughter is terrified of him, he parks his car behind my car, so I cant move, I do not want to talk to him and that is why i 'm filing this complaint
Product: Credit reporting or other personal consumer reports

XX/XX/ two accounts was opened fraudulenty. Criminals used the accounts and ran it up fraudulently. I called and had the accounts closed when I finally found out. But their still reporting on the credit bureau files. 

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

In accordance with the fair credit reporting act this credit institution or bank has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Previous COMPLAINT ID XXXX The accounts are inaccurate. However, TransUnion received notarized letter and proof of my identity. I have proof of delivery receipt. Five months later, the Credit Bureau has not been able to verify/validate this as my debit. After multiple requests, I have not received credit applications or contracts with my signature. Yet TransUnion is continuing to report the below accounts as my debit, furthermore violating the Fair Credit Reporting Act, Section 609 and Fair Debt Collection Practices Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Back in the beginning ofXX/XX/XXXX both XXXX XXXX, and XXXX XXXX have been receiving harassing phone calls here at our employers phone. They know this too because the number they call is not only registered as a business, but as an employee the phone is answered in a business manner. Portfolio Recovery ruthlessly has called here twice each day. After we found out a week ago that Portfolio Recovery has called here since the beginning of the month, talked to several colleagues about both XXXX and XXXX XXXX, XXXX XXXX has spoken too, and asked Portfolio Recovery to stop calling here at our place of employment. Portfolio Recovery repeatedly calls here looking to collect on some kind of debt that both XXXX and XXXX XXXX have no Idea what debt this is in reference too. This morning XXXX XXXX asked Portfolio Recovery again to stop calling here at our place of employment. With just receiving the second call of the day from them, the calls do not stop. Portfolio Recovery has a reputation of illegal collection practices. This company should be shut down for repeated violations and offenses. XXXX and XXXX have already been included in the class action lawsuit that Portfolio Recovery chose to settle from California out of court, and yet again, Portfolio Recovery is falling back to their illegal collection practices. Please put these guys out of business.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received separate letters from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX XXXX  ) stating that my recent credit applications have been denied pending further information r/t multiple recent inquiries. I attempted to call both institutions from the numbers provided on the letters but was unable to obtain information because I would not submit my social security number. However these companies were notified that these were unauthorized fraudulent inquiries/ applications. 

On XX/XX/year> I received an additional letter from XXXX XXXX stating a recent request for a XXXX card was requiring additional information. Again I have not inquired or applied to this company. I proceeded to the three credit agencies and put a freeze on my credit with each Experian, XXXX, and XXXX. I also ran my own credit report and found multiple inquiries within recent days from various different credit companies. Also a fraud alert has been placed with XXXX XXXX On XX/XX/year> I received XXXX additional letters. XXXX from XXXX XXXX  stating that a request for a " credit product '' from XXXX XXXX could not be approved r/t multiple recent credit inquiries, length of time auto accounts have been established, and phone is invalid, disconnected, or associated with a transient commercial location. The letter stated the XXXX XXXX  used XXXX XXXX XXXX and XXXX XXXX XXXX to obtain this information. The second letter was a physical credit card XXXX XXXX. The original merchant was listed as XXXX XXXX XXXX with a credit limit XXXX. I immediately called this company and was told they were flagging the account as fraud and credit card was shut down. 

On XX/XX/year> I received a letter from XXXX stating they had been notified of a fraudulent application in my name. They stated that they have canceled the application and marked as fraud. 

Experian, XXXX and XXXX have been contacted related to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get in contact with this company for months. I have not received a response back or anything displaying this account is in dispute when viewing my credit profile. I have sent letters to them on XX/XX/2021, XX/XX/2021, and XX/XX/2021. The company has not responded nor has the bureaus verified the account accurately, The account has not been updated reflecting that I have been disputing, Why is this account still reflecting?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. JPMCB - CARD SERVICE Reported : XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting or other personal consumer reports

Once more, I am thankful for your help in removing some of the negative items from my credit file. However, there are still a few incorrect items that need to be removed. This is my new complaint to dispute the items in my credit file which resulted from an inaccurate credit reporting. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from an inaccurate credit reporting, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX  or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXXXXXX. I have a bankruptcy XXXX XXXX on my account. I have tried to dispute it with XXXX, XXXX and Equifax, either the call will disconnect or they are not trying to dispute my bankruptcy from my files. I contacted the bankruptcy courts and they told me they DID NOT give these credit bureaus my information because it is against the Law, and then they emailed me a letter that states so. Ive then tried to dispute the bankruptcy for a second time XXXX told me that they received information from the court house stating my personal information and that the bankruptcy court house told them that the information was correct and again that is against the Law
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion for their failure to provide any proof of validity or factual record in response to my inquiries regarding my credit report, and for their treatment of inaccurate or unverifiable information. I have made multiple requests for this information, but have yet to receive a satisfactory response. As a consumer, I have a right to access and review my credit report, and to dispute any inaccuracies or errors that may appear on it. However, without proper validation and factual documentation, I am unable to verify the accuracy of the information on my credit report. In accordance with the Consumer Financial Protection Bureau regulations, if after investigation, an item of information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency is required to promptly delete that item of information from the file of the consumer. I am requesting that TransUnion immediately provide the necessary proof of validity and factual record in response to my inquiries, and that any inaccuracies or errors on my credit report be promptly corrected and deleted as per the above regulation ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. Furthermore, I am requesting that the Credit Bureau investigates and takes appropriate action against TransUnion for their failure to comply with the regulations as described by the Consumer Financial Protection Bureau. Thank you for your attention to this matter. Sincerely, XXXX XXXX.