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

This is a formal request for the details of the procedures used to determine the accuracy and completeness of the information in dispute because you told me you verified the accounts and that they belong to me but have not provided proof. It is scary to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected, as well. Having this type of information on a persons credit report is unfortunate and severely damaging but having incorrect damaging information on a persons credit report is unacceptable. 

The following accounts don't belong to me at all so please look into this for me. 

XXXX - XXXX - Last month I sent you a letter stating that this needs to be looked at. I see no proof of an investigation done at ALL! There are XXXX different activity dates being reported. Investigate this account and provide proof it was done! Remove this inaccuracy from my credit report or I will sue! I do not know what this is. Please investigate and remove from my report. 

XXXX - XXXX - Last month you stated that this is reporting accurately. However, I see XXXX different activity dates being reported on this account. Show me the proof that this is actually my account otherwise delete this from my credit report. 

I am requesting a detailed explanation of how you received these specific responses. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit report along with the description of your investigation.
Product: Debt collection

On XX/XX/XXXX while receiving treatment for an one the job injury by XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, Texas XXXX, I was placed in a splint supplied by the clinic. Some time after that I received a bill from XXXX XXXX, XXXX XXXX XXXX XXXX Ohio XXXX for the sum of {$60.00}. I spoke to the office manager, XXXX, at XXXX, and she contacted the billing department at XXXX XXXX and informed them this was a Workers Compensation Claim and not to bill me. The last time she spoke to them wasXX/XX/XXXX at XXXX. She told me at that time that is was all taken care of and I would not be billed as this was all taken care of by my employers Workers Compensation Insurance. I received a letter fromXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX Texas, demanding payment of {$31.00} on behalf of XXXX XXXX. No explanation is given for the claim but I had no other business with XXXX XXXX. Since they have been warned on several occasions that this is a Workers Compensation Claim I am inclined to suspect that XXXX XXXX and XXXX XXXX are attempting to commit fraud by coercing double payment on the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I filed a CFPB compliant on National Recovery Agency complaint number XXXX due to this company not being licensed as a debt collector in my state. I received a response back from XXXX XXXX the compliance agent for NRA Group LLC. He stated that his company was indeed licensed to collect debt in my state and gave a license number of XXXX and stated they were doing business in my state as XXXX XXXX. Upon searching nmlsconsumeraccess.org XXXX XXXX XXXX has a NMLS number of XXXX and NRA Group LLC has a NMLS number of XXXX. Neither of which has a debt collectors license to collect in my state. The XXXX XXXX XXXX XXXX also has a NMLS number of XXXX and also doesnt have debt collectors license in my state. See attachments. Futher more upon searching my states Secretary Of State website for business entities authorized to do business in my state neither XXXX XXXX or NRA Group LLC are active entities allowed to do any business in my state. This is a clear violation of the FCRA and FDCPA as this company is engaging in false and deceptive practices to try to persuade me into believing that I owe a debt to them and furnishing my credit reports with invalidated inaccurate accounts. I have sent this company a validation letter from them to validate this alleged debt that they say I owe to them. See attachments. I have tried to handle this matter with this company on several occasions. My Attorney General and the XXXX  have now been made aware of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit reporting or other personal consumer reports

Hello, I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Product: Credit reporting or other personal consumer reports

Subject : Second Request for XXXX XXXX XXXX XXXX XXXX with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my XXXX XXXX XXXXXXXX - XXXX- This is paid as agreed and should not be reporting negatively on my report. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 



As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXX XXXX
Product: Debt collection

I disputed with the company and the company received my information according to certified mail.I have yet to receive the information has actually been verified. I have filed a report with the FTC regarding my information being compromised. Individuals have tried to obtain credit in my name without my authorization. Those negative remarks have made it impossible to obtain new credit.
Product: Credit card or prepaid card

I filed a dispute with Capital One and sent a rebuttal regarding the merchants responses with evidence the merchant XXXX XXXX XXXX XXXX XXXX XXXX did not observe local and federal laws in addition I am entitled to reimbursement. Capital One having failed or refused to respond or acknowledge receipt of the rebuttal within the time frame allowed in violation of state and federal regulations.
Product: Debt collection

On XXXX XXXX 2017 a certified letter was received by Diversified Consultants, tracking number : XXXX This letter was asking for validation of a debt, account number XXXX. They failed to provide validation of the amount they state I owe. They also only sent a prior XXXX bill. Absolutely nothing with my signature to validate they have the right to collect this debt. I would like my account removed from their systems and revoke their right to report to the credit bureaus
Product: Debt collection

Between the months of XX/XX/XXXX and XX/XX/XXXX I  disputed the validity of a debt and account ( using my information without consent ) with an attorneys office on behalf of XXXX XXXX. The case XXXX was closed and the attorneys office responded the will cease collecting attempts. Fast forward to XX/XX/XXXX and I get a notification from XXXX credit bureau and from XXXX XXXX. The alerts notified me that a new account was added which was from XXXX XXXX My dispute this time is their blatant disregard of the conclusion of the cfpb case listed above XXXX. Ive spoke To the credit bureaus and they said that I was to receive a notification before the account and negative information was added to my credit report. This is a blatant violation of not only the FDCPA in regards to continuing to attempt to collect as well as the FCRA for furnishings negative information without written notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXXXXXX XXXX Original Balance {$61.00} XXXX XXXX XXXX XXXXXXXX XXXX Original Balance {$85.00} Date Assigned XX/XX/XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Balance {$510.00} XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Balance {$1600.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX 90 days past due as of XX/XX/2013 XXXX 90 days past due as of XX/XX/2013 XXXX 90 days past due as of XX/XX/2013 XXXX 90 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Credit card or prepaid card

On XX/XX/2018, I received 2 letters from Bank of America closing the 2 Rewards credit cards I had with them. I have had a credit  card with them for probably about 15 years and pay off my bill every month.The reason given : " Irregular authorized user activity on one or more of your accounts. '' They also ran my credit score which is XXXX. 
When I called them on XX/XX/2018, after being on hold for over an hour and passed around to another department, this is what I found out. ( Dealt with someone named XXXX XXXX ). He said that three people were added onto my credit card ( s ), in XX/XX/2018 : XXXX XXXX, XXXX XXXX, XXXX XXXX. They did this by somehow pretending to call from my home phone ( which is the phone the credit cards are tied to ). I do not know any of these people nor has anyone been inside my house by themselves over this time period. The B of A person could not or would not tell me what other personal information B of A asked for in order to allow this. I was shocked : 1. ) B of A closed my credit cards with no fraud alert or warning ( I monitor one of the cards online ; the other one is not set up online but I monitor the paper bills every month ) 2. ) It took B of A 8 months to inform me 3. ) I monitor credit card charges and nothing suspicious has come up. 4 ) I  have close to XXXX cash back points on one card and probably about 1600 on the other card. B of A said there was no way to give me these points now. This is a considerable sum of money owed to me. I have one more credit card bill to pay for about {$140.00} by the end of XXXX and I can't even use the points for that?
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the inaccurate information being reported by XXXX XXXX XXXX regarding my auto loan account. According to XXXX XXXX, my account is being reported as open, past due, and with late payments. This has affected my credit and bringing my score down XXXX points when XXXX reported on XX/XX/XXXX my account was negative outstanding balance and still open. However, I paid off this loan in full on XX/XX/year>. When I contacted XXXX on XX/XX/year> making them aware of this error. I was told it takes XXXX weeks from the date it was paid XX/XX/year> to receive a letter stating that it was closed. No letter has been received and the account is still reflecting negatively on all three credit bureau reports. I have attached documentation showing the final payment made and confirmation from XXXX XXXX XXXX that the loan was settled in full on that date. 
Despite this, they continue to report the account inaccurately, which is affecting my credit standing. I request your assistance in resolving this issue and having the incorrect information removed or corrected on my credit report. Thank you for your attention to this matter. I look forward to your response and a swift resolution. 
Sincerely, XXXX XXXX XXXX financial services account number XXXX
Product: Credit reporting or other personal consumer reports

THESE INQUIRES ACCOUNT AND ADDRESS  WHERE MADE DUE TO IDENTITY THEFT. A FTC REPORT WAS MAILED TO ALL CREDIT BUREAUS AND CREDITORS AND THERE ARE FOLLOWED

 XXXX XXXX XXXX (Bank) (TRANSUNION) INQUIRY MADEXX/XX/XXXX

XX/XX/XXXX (Bank) TRANSUNION INQUIRY MADE   XX/XX/XXXXXX/XX/XXXX   (XX/XX/XXXX) Account Number:	XX/XX/XXXX
INCORRECT Addresses  XX/XX/XXXX)XX/XX/XXXX,TXXX/XX/XXXXXX/XX/XXXX (XX/XX/XXXX) INQUIRY MADE  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX loan has continued to report our home equity loan as derogatory or delinquent depsite giving us a COVID Forebearance plan. We have continued to pay the mortgage albeit after the grace period. For the past year we have at least 6 negative reports from XXXX loan, which we were informed should not have been if we were placed on forebearance. This has in turn affected our credit XXXX in a negative fashion. We are consequently being penalized for being affected negatively by COVID due to the loss of my husband 's job. Despite the fact that unemployment is less than what he would have earned if he was working in the XXXX industry we continued to keep the payments up to date and we were still reported by XXXX as a dilinguent account. I complained to them when making a manual payment to them via check, but received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to work with equifax concerning my credit report, they are still showing my report closed for my automobile when it should be open.I purchased the car XX/XX/XXXX and still have it in my possession. this is damaging my score and stressing me out because i cant get approved for anything.i have wrote XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX concerning this item and still no reply. need help in solving this issue because they have violated the 30 laws by not responding within the time frame.
Product: Debt collection

Closed my credit card account without warning, sent my debt to a debt collector, had the collector fill a lawsuit without contacting me or bothering to verify the debt, debt collector filled a background check without my consent which violates the FCRA and fdcpa. Also accused me of fraud and filling a complaint as someone else.
Product: Debt collection

I received a notification for debt settlement in the amount of {$83.00} from CBE Group over a year ago regarding a debt owed to XXXX XXXX. I disputed the debt, sending a written letter within the 30 day period requested. I never received any further letter from CBE validating the debt nor asking for any further information on my behalf. Recently, on XX/XX/2021, a collection report in the amount of {$83.00} showed up on my credit score, thus effecting my overall score. Am I correct that CBE must legally verify debt before taking action on an individuals credit? The debt is not valid and I have not seen any validation of it. I have kept outstanding credit my entire life and have had nearly perfect credit, paying everything on time, so this is extremely concerning and unfair. Please help keep companies like CBE accountable for their legal liabilities and fraudulent actions.
Product: Checking or savings account

Chime Financial, uncertified as Chime bank yet claims they arent a bank, closed my account in XXXX. I attempted to dispute a fraudulent ACH on XX/XX/XXXX via email with Chime and they refused to accept the dispute referencing the account closure. Additionally, they refused to refund the nearly {$12000.00} in my account. Eventually after CFPB intervention they issued a refund check as I had provided all the required documentation. Now, 5 months later, Chime finally accepted my dispute. On XX/XX/year> Chime closed my dispute in my favor and issued a credit of {$20000.00}. Now, Chime is yet again refusing to issue a refund check, stating my account is ineligible for a refund. This company is abhorrent and does not comply to regulatory standards. They have received every document they requested and their agents do nothing more than read from a script.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a XXXX credit card was opened in my name and my XXXX XXXX, daughters name. I tried resolving this and disputing it through XXXX  but XXXX  is stating they will not remove account. Our identity was obvious used to open the account. 
The account was closed two months after opening it is what I was told, but XXXX isnt willing to help.
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 XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX Bank XXXX. 
Acct # - XXXX XXXX XXXX XXXX  # - XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX Convergent Outsourcing Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX  Acct 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