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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

As i look on my credit report i see XXXX  ( XXXX  ) on XX/XX/XXXX and dont know what that bank is and XXXX ( XXXX  ) XX/XX/XXXX where i have never received anything nor asked for anything from the same aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX which i have never done business with none of these businesses never asked nor received anything from these establishments
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

U.S.C. 1681A States I have the right to privacy.

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

This complaint was filed with the Federal Reserve Consumer Help submitted XX/XX/XXXX. It involved Scammers removing all of my information and savings some checking accounts. via a " Web Funds Transfer. '' The party " XXXX XXXX House. The information was sent to the FBI, FRCH. According to Federal Reserve Consumer Help. A full copy of the report was to be sent to CFPB for processing. 
In speaking with one of your agents, a female sent me a copy of a report for XXXX  XXXX XXXX that happened in XXXX and was a lawsuit. Not a Scam. The report sent to me has the case # XXXX. This case was closed. 
Please review the new case information submitted to all Federal Regulators according to CRCH.

My entire savings was taken by the Scammers. A s Portions of my checking.

Please review your records complaint record sent XX/XX/XXXX, and give an update.
Product: Credit reporting or other personal consumer reports

Why I'm not receiving any update its been 14 days since I file this complainant please delete all the negative items now all of them
Product: Debt collection

They have been calling my previous employer up to 30 times daily after being told I no longer work there. I have received numerous calls to my personal phone but have them blocked.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of accounts on my credit report by the three major credit bureaus : Experian, XXXX, and XXXX. I believe that these reports contain accounts that do not belong to me, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my efforts to resolve this matter directly with the credit agencies, including multiple requests for debt validation, I have not received any satisfactory responses or documentation confirming the legitimacy of the disputed accounts. As a result, I am reaching out to you for assistance in rectifying this situation. 

On XX/XX/XXXX and XX/XX/XXXX dates of my communications with the credit bureaus ], I submitted requests to each of the credit agencies, asking them to validate the accounts that I believe are erroneously attributed to me. I provided all necessary information and documentation to support my claim ; however, I have not received the required debt validation reports, nor have I seen any action taken to remove these inaccurate accounts from my credit file. 

The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, I am requesting that the credit bureaus provide a wet signature or original documentation as proof of debt validation for the disputed accounts. A wet signature is crucial to verify the authenticity and accuracy of the claims against me, and I believe it is my right to request such proof under the FCRA. The absence of a wet signature or valid documentation should lead to the immediate removal of these accounts from my credit report. 

The presence of these accounts on my credit report is adversely affecting my credit score and overall financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that my rights are upheld by the credit reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

after sending written letters to the company disputing the amounts they are requesting owed, they sent an old medical bill with a medical diagnosis on it and an amt due.

I sent out another letter explaining that they violated the HIPPA and needed to remove this collection from my report. I still have not had any luck.
Product: Debt collection

" Midland credit management '' as they like to call themselves keep calling me saying that I owe them over {$700.00}. I have never ever worked with this company and frequent attempts to make them stop calling me has failed.
Product: Credit card or prepaid card

I made a payment in error to a credit card I used to have at Bank of America which resulted in a credit balance of XXXX. I called but was told that since I couldn't remember the password on a card I haven't used in years, this could not be resolved over the phone. ( I was able to supply to them all types of other personal information including the account number on the card and the credit balance that was showing on the statement I received ) I was informed that I needed to go in person to a branch. I then went to the branch located in my town, XXXX, PA, on Friday XXXX. I was told that they would send the credit balance to my current bank and had me verify all the account information. I was told it would take 3 or 4 business days. On XX/XX/XXXX, the credit had still not appeared so I again went to the local branch. The person who I met with this time called the credit card area and was told that I would be getting a check for the credit balance. Today is XX/XX/XXXX and I still haven't received my money. I have been patient and have done everything asked of me by Bank of America but have not been able to access the funds that are rightfully mine. I am a senior citizen and am starting to think that BOA will keep my funds from me as long as they can.
Product: Checking or savings account

On XX/XX/2023, Chase Bank closed my joint account with my boyfriend. At the time of closure, the total remaining balance across joint accounts was {$6400.00}. However, as of today, 170 days after the account closures, I still have {$2800.00} that haven't been returned yet. Despite numerous inquiries, Chase has not provided a clear reason for the closure or the prolonged withholding of the funds. The only response I have consistently received is that they are " investigating '' the situation. This delay and lack of communication are concerning, especially since I have not engaged in any activities that would breach the terms of the account or justify such an investigation. The prolonged investigation and the bank 's failure to provide updates or reasons for the hold on my funds lead me to suspect that the bank might be using my funds for purposes other than a simple investigation. I am seeking an immediate explanation for the account closures, a detailed update on the ongoing investigation, and the prompt return of the remaining balance of {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to these bureaus and they are disregarding a regular consumer dispute. I am very stressed I have been sending letters before filing this complaint and still no response.
Product: Student loan

I completed the default resolution program and made all my consecutive payments. When I got a new debit card I call the collection agency numerous times with no call back. I was enrolled in school and just got my title 4 back and was all set to start. Now that my funds are to be released they are not giving me the correct status because they said I missed a payment. I was told multiple times that the only way to pay is through the agency servicing my loan i now found out I could've paid directly after I called. I plan to file suit against both parties for damages and pain and suffering as I have been taking these classes with NO indication that I wouldn't have funding and now the school fully expects me to pay for them. This is not fair and unjust. I have attached my letter showing that I am eligible for funding. I called in XXXX/XXXX/ and XXXX of 2019 trying to update my payment method WITH NO RETURN CALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report a few months ago around XX/XX/XXXX and notice a fraudalent account that being falsely misrepresented on my credit report. I contacted this company via phone and also wrote letters.I sent numerous letter, one dated XX/XX/XXXX. Another on XX/XX/XXXX and most recently I sent a letter dated XX/XX/XXXX certified mail. The company reporting this is XXXX XXXX XXXX and they are using EQUIFAX and XXXX. There is also a unknown fraudalent hard inquiry on my Equifax report, please remove this XXXX. This inaccuracte and false reporting has caused me great harm in my life, it has prevented me from getting apartments and access to credit. This fraudalent account is still being reported on my Equifax and my XXXX credit reports. Please help me resolve this manner I dont know what else to do. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and concern regarding the lack of response to my previous dispute and what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ). On [ Date of Previous Dispute ], I submitted a dispute regarding inaccuracies in my credit report. Despite the FCRA mandates for timely investigation and resolution of disputes, I have yet to receive any acknowledgment or response. 

As a consumer, I understand and value the importance of accurate credit reporting, not only for my financial well-being but also for maintaining the integrity of the credit reporting system. The FCRA establishes clear guidelines for credit reporting agencies to follow in handling consumer disputes, including the requirement to promptly investigate and correct any inaccuracies found in credit reports. 

The lack of response reflects poorly on the commitment to compliance with federal regulations and undermines my confidence in the accuracy and reliability of the information contained in my credit report. This situation has caused me undue stress and uncertainty about my financial standing, as well as potential negative consequences for future credit applications and opportunities. 

In accordance with the FCRA, I urge your agency to ensure timely investigation and resolution of disputes and to take appropriate measures to prevent similar delays in the future. Compliance with the FCRA is not only a legal obligation but also a fundamental responsibility to consumers who rely on the accuracy of credit reporting for various financial transactions and decisions. 

I appreciate your attention to this matter and expect a timely resolution in accordance with the requirements of the FCRA. 

Thank you for your cooperation and understanding.
Product: Vehicle loan or lease

Dear Officer : I bought my XXXX XXXX  at XXXX XXXX XXXX XXXX in XX/XX/XXXX, When I sign the contract, I gave my bank information to the salesman, and tell him very clearly. set up auto pay, he said he will do it for me. 
But a few months later, I find out I have 4-month non-payments, I called a salesman, He does not admit that I have given him my bank information. After that, I paid full past due amount and I set up auto pay online by myself, but my credit score is messed up. I always pay my bills on time, My credit score was XXXX, now only XXXX. 
In XX/XX/XXXX, Toyota toll away my XXXX, they said I have 3 months non-payments, I called Toyota fiancial service right away, customer service said nothing they can do. then I paid the full past due amount and penalty got my truck back. 
My last payment on XX/XX/XXXX. they charge my money, But the online system still shows I didn't make any payments.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon dispute with XXXX XXXX acct # XXXX due to identity theft XXXX XXXX   have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies XXXX, XXXX   and Equifax. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.
Product: Debt collection

I was attending XXXX XXXX of XXXX back in XX/XX/2016. I was granted financial aid and the balance that I owed was added to my government student loan account. I have proof that it is being paid through my student loans. However, the school was immediately closed down due to fraudulent practices by the federal government and I was never able to complete my program but was still responsible for the amount that was added to my loans. So this company ( XXXX XXXX XXXX ) claims I owe them {$280.00} from the school but they have not produced any information in writing. They added to my credit report for non payment and has damaged my credit. I have tried to reach someone at this company but there is NEVER a live person that can answer the phone. Every time I called the number on my credit report it goes straight to a voice mail machine on the very first ring. And NO ONE HAS RETURED MY calls after calling numerous times. I have filed a complaint with the credit agency and I know that I don not owe this debt. I want this REMOVED FROM MY CREDIT REPORT because both the school and this company have fraudulent practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me a copy of my credit report with no scores and no deletions of errors on XX/XX/XXXX. I checked all the inaccuracy with a check mark and also implemented and added it the correct information on my credit report. I sent the copy of corrections by US Postal Mail Priority mail to Experian on XX/XX/XXXX Priority Mail. Evidence is submitted to Federal Government filed complaint..
Product: Credit reporting or other personal consumer reports

Credit bureau did not report my payment on my credit report for month of XXXX & XXXX. 
The credit bureau reported that I missed payment for the month of XXXX for my XXXX XXXX credit card which is inaccurate XXXX XXXX credit cards payment is paid. XXXX  payment is paid. Department XXXX payment is paid. XXXX XXXX XXXXXXXX XXXX is paid.
Product: Debt collection

I have a account that is incorrect listed on my credit reports. It appears to be a debt collection from a source that I do not recognize. I have never applied nor utilized this service under no circumstance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to being on SS XXXX I was unable to pay my credit card. I was contacted by a company offing me to settle for a smaller amount to get it out of collections. So I borrowed it from my daughter to help my credit. It is still on my credit on two of my credit reports. Ive talked to them and the credit report and they said they say {$0.00} but will be on there for 7 years. Thats not what she said to me over the phone. I dont think thats fair at all. Is there anything I can do. Thanks
Product: Credit reporting or other personal consumer reports

Dear Credit Agencies, I am writing to formally request the removal of my accounts and all associated personal information due to the mishandling of my data by XXXX, TransUnion XXXX XXXX. 

According to 15 U.S.C. 6802 ( b ) of the Gramm-Leach-Bliley Act, companies must : Clearly inform customers if they plan to share personal information with other companies. 
Provide customers the option to opt-out of such information sharing. 
Explain how to opt-out. 
My Concerns : No Clear Notice : I was not clearly informed that my information would be shared with other companies. 
No Opt-Out Option : I was not given the chance to opt-out of having my information shared. 
No Instructions Provided : I was not told how to opt-out. 
My Request : Remove My Account : I request that my all accounts dealing with XXXX be DELETED! And all my personal information be permanently deleted from your systems. 
Confirmation : Please provide written confirmation that my accounts has been DELETED and my personal information has been deleted. 
Please acknowledge receipt of this letter within 30 days and confirm that my request will be processed promptly. 

Thank you for your immediate attention to this matter. 

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

On XX/XX/XXXX, I received a letter from Resurgent  stating XXXX XXXX XXXX XXXX SOLD my personal and private information to them on XX/XX/XXXX and to LVNV Funding LLC on XX/XX/XXXX. Which is a direct violation of my privacy. 

15 U.S.C 1681 Sec 602A, states that I have the right to privacy.

15 U.S.C 1681 sec 604A Sec 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

As a consumer and natural person, am aware of all the rights that I have which are protected by Congress under the Fair Credit Report Act ( FCRA ). 
XXXX XXXX XXXX claims I owed them {$7300.00}, I have challenged and disputed the accuracy, compliance, and reportability of this listing multiple times, however, they failed to investigate and validate this debt and continued to report the erroneous account to the credit bureaus which is a violation under 15 U.S.C 1692 ( g ) Section 809 ( b ) My personal and private information was obtained and SOLD to other organizations as well such as XXXX, XXXX, and XXXX, which I did not grant. I was not notified that this information was being provided to the highest bidders.
Product: Credit reporting or other personal consumer reports

The credit scores that I pull through bureau paid subscription credit reports, does not match the score being reported through my credit cards, nor does it match the score pulled by lenders. My lender told me that it is common that lenders see a lower score than what the consumer is able to pull through the bureaus. The difference is enough that it pushes me into a lower lending bracket. I understand that credit pulls reduce your score. The difference between what I see through the bureaus and what the lender is pulling is XXXX - XXXX points. The scores the consumer sees, the scores communicated through credit card services, and the scores pulled by a lender should not vary more than a couple of points. This is an unfair credit practice, everyone should see the same score. 

Updating my contact information like a change of address or reporting a higher wage should not impact my credit score negatively.
Product: Debt collection

The XXXX XXXX card was opened last year XX/XX/2017, i am not making enough money to pay them at once or more than {$100.00} a month, they are saying that they will file a law suit against me, please help
Product: Credit card or prepaid card

This card is used for health care expenses and can be used at XXXX as well, never received any notice of when my payment was due. Starting in XX/XX/XXXX I got a notice that my payment was late on XX/XX/XXXX. So I made the payment, but had no exact billing date to go by when my payments were due. 
My bill is {$68.00} a month according to the company, from that point on I would check the website to see if I could find a due date for my payments, nothing showing an exact due date. I also went into the website and added a bank account to use to make the payments, next time I got notice my payment was late, I went to the site and bank account info was no longer in there. I have added 2 different bank accounts to the site, I have sent them multiple payments to keep the bill up to date. On the website it shows that 3 of the payments I have given them have all been rejected by according to the company by my banks. I have never had any payments rejected by my banks, and if you look at my bank statements this company has never even sent a payment request to my banks. I get a notice on my bank accounts when someone tries to take a payment, it will show as pending, then paid or returned by my banks. In no way shape or form has this company ever showed up as either one of them in my bank accounts. Now I have hits on my credit report saying I have late payments with them and am behind, which has lowered my score drastically from above 600 down to the low 500 's. I don't believe how they are doing business is fair to consumers and would never recommend them to anyone, I would rather tell people to never do business with them. To me Synchrony bank/care credit is a rip off and does nothing to help consumers in the long run. I have all the documents from my bank and their website to show what has been going on, I also have all the emails I have received from them over the past 4  months, which total 4 emails.