23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX  XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Dear CFPB, I am writing to formally dispute the inaccurate reporting of a XXXXXXXX XXXX account on my credit report. This account is showing erroneous information in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which governs the responsibilities of furnishers of information to consumer reporting agencies. 

Account In Question : XXXX The account in question reflects the following inaccuracies : Statute of Limitations Violation : The debt associated with this account is showing an " owed balance '' of {$4000.00} and reports 100 % credit usage on a closed account. However, the debt is no longer valid under Illinois 's statute of limitations for debt collection, which is five years. The last payment date on this account was XX/XX/XXXX, which places the debt beyond the enforceable time frame as of XX/XX/XXXX. This reporting is misleading and causes unnecessary harm to my creditworthiness. 

Debt Time Clock Expiration : Per the " Debt Time Clock '' principle and FCRA guidelines, debts that exceed the statute of limitations for collection should not continue to appear in a manner suggesting they are actively collectible or valid. This account 's continued reporting as " owed '' is both inaccurate and deceptive. 

Account Closure and Incorrect Status : The account reflects 100 % credit utilization despite being closed. This inaccurately portrays my credit usage and overall financial health, further compounding the damage caused by the erroneous reporting. 

The Status says " Account charged off. {$4000.00} written off. {$4000.00} past due as of XX/XX/XXXX and this is incorrect, misleading and damaging to my credit and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account and a few hard inquiries on my credit report I do not recognize
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 and Bureaus Letters last XX/XX/XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX I purchased a XXXX XXXX XXXX  was {$11000.00}, after finance it was {$14000.00} and I put down {$1700.00}. I had the vehicle for 27 months on a finance for 36 months. I paid {$450.00} a month for 24 months and were arguing with them for 3 months about the vehicle warranty which was a scam also. I totalled lost the car after XXXX, paid {$12000.00} on the loan. My insurance company paid {$2800.00} which I owed and Nicholas financial hit me with a repossession and said I owe them {$7500.00}. This company has 56 listed complaints in 3yrs and they sell all there debt to XXXX XXXX XXXX. They are in a scheme together robbing people out of there money and needs to be stopped
Product: Student loan

In XX/XX/2019, I opened a request with myfedloan.org to correct payments that were misapplied towards my XXXX. I had previously been working with XXXX  and when my loans were transferred over to myFedloan upon applying for XXXX, payments made are not being applied towards my XXXX accounts. I have made countless phone calls to them in the XXXX years since and Ive been given the runaround about this numerous times. I have been informed on more than XXXX occasions by myfedloan that they are handling this and correcting it. Nothing has been done.
Product: Checking or savings account

On XX/XX/year> I received a debit card in the mail from Wells Fargo related to an account that I never opened. Ive also never banked with Wells Fargo so they shouldnt have any information of mine in their system. I called and they transferred me to their fraud line. I explained this, and they said they would put a hold on the accounts and a fraud team would reach out to confirm identity theft took place before they could close the accounts. They said this can take 45 days. When I asked when the accounts were opened they said they could not disclose that information.
Product: Debt collection

THEY KEEP UPDATING THIS ACCOUNT TO MY CREDIT AND I KEEP LOSING POINTS TO MY CREDIT REPORT. I ASK IF FOR THIS ACCOUNT TO BE VERIFED AND IT HAS NOT BEEN WITHIN THE TIME FRAME THEY SAY IF IT DOES'NT BE PAID IT WILL STAY DAMAGING MY CREDIT THOS NEEDS TO BE REMOVED ASAP
Product: Debt collection

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information FOX Collection Center has illegally reported my information to unaffiliated 3rd parties ( XXXX and XXXX ) without proper proof, my consent or giving me XXXX disclosures required by law. 
Pursuant 15 USC 6802 states that theyre required by law to give me 3 disclosures. I have checked for all documents from their institution and received none. The documents Ive seen which were mine, none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option Dates open on my consumer : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX I mailed a certified letter requesting disclosures and tried to dispute online requesting validation of debt which requires signatures and documents but was denied
Product: Checking or savings account

citibank closed our XXXX personal and business accounts without telling us a word or giving us an excuse. Left us floundering for 3 days as we tried to get a new bank account elsewhere, fund it because they have all our money, changed all of our achs debits for business, and gave us no anwers except the checks are in the mail. Im still waiting for 2 checks it has been 2 full weeks now.

The bank basically divorced us, gave no warning or reason, and it is taking there sweet time on sending us our money back. The amount of stress this has caused is unreal and uncalled for. They could have given us proper notice and we would have made arrangements. Instead its your fired and we cleaned our your office for you and dont back or call we wont have anything to say
Product: Debt collection

I never received mail correspondence from this company or the original creditor. I only received a phone call from a woman claiming to be from the collection company, she called during my work hours. When i expressed to her that she is calling during work hours she abruptly hung up on me. I have not received any further correspondence via mail or any correspondence stating my right to dispute and any options offered to me to help pay off the debt. Prior to this, i have tried multiple times with XXXX XXXX  to resolve the account. On multiple occasions i was told their system was down. They also double charged me and claimed it was because the system went off of the statement balance even though i paid my credit card down completely prior to the statement. They saw this, verified this to be true, yet refused to honor this and fix my account. Since then i have struggled financially to pay the account off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX XXXX XXXX in amount of {$500.00} ; this appears to be a duplicate account which XXXX XXXX XXXX is also attempting to collect.
Product: Debt collection

THIS COMPANY CALLS ME REPEATEADLY EVERYDAY ALL DAY HAS PUT THE SAME ACCOUNT FLAGS ON MY ACCOUNT MUTIPLE TIMES BRINGING MY CREDIT DOWN TO NOTHING Franklin collection is reporting collection multiple times days away from each other as if its a new collection
Product: Credit reporting or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : DEPT OF EDUCATIONXXXX XXXX Balance : {$4400.00} DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX {$2800.00} DEPT OF EDUCATIONXXXXXXXX XXXXXXXXXXXX XXXX XXXX {$4800.00} DEPT OF EDUCATIONXXXX XXXXXXXXXXXX XXXX XXXX {$9300.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX {$650.00} XXXX XXXX XXXXXXXX XXXX : {$340.00} XXXX XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the inaccurate and/or unverifiable information reported by Experian on my credit file. According to 15 USC 1681i ( a ) ( 1 ), 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), and 15 USC 1681i ( a ) ( 5 ) ( B ), Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ).

Grounds for My Dispute : Failure to Conduct a Proper Investigation ( 15 USC 1681i ( a ) ( 1 ) ) Under the FCRA, Experian is required to conduct a reasonable reinvestigation of disputed information within 30 days ( or 45 days under certain conditions ). However, my previous dispute was not handled in compliance with this requirement, as Experian either failed to conduct a meaningful investigation or provided a generic, non-substantive response without verifying the accuracy of the reported information. 
Failure to Provide Proper Notice of Investigation Results ( 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Experian is obligated to clearly provide the basis and results of their reinvestigation if a disputed item is verified. Instead, the response I received failed to include proper documentation proving the accuracy of the disputed information. If Experian relied solely on information from the original furnisher without independent verification, this constitutes noncompliance with the FCRA. 
Failure to Remove or Correct Inaccurate Information ( 15 USC 1681i ( a ) ( 5 ) ( B ) ) If Experian was unable to verify the disputed item, it is required to delete or modify the information within the legally mandated timeframe. However, despite a lack of verifiable evidence, Experian has continued to report inaccurate information, directly violating this statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have 3 accounts on my credit as unpaid collections. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as  well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information on my behalf. I sent 2 inquiry deletion letter to Equifax due to unauthorized inquiries I noticed on my credit report. I do not understand why Equfiax believe or had the right to do this. I do not think Equifax had a permissible purpose to placed unauthorized inquiries on my Credit report. However every time i sent disputing letter or called to one of the rep XXXX to dispute those inquiries. He stated it will deleted. I am demande my credit to be 100 % accurate and complete. I do not want or misleading information on my reports. Equifax is still violating CRA under section 1681i for negligentwanton investigation.

Reckless/willful 1681e ( b ) failure to keep and follow reasonable procedures to assure maximum possible accuracy. 

Equifax has sent me a letter with a different name addressed sent to me with exactly the inquiries I asked to dispute. However those inquiries possible verified. Please explain to me how can you reporting that those unauthorized inquiries are verified if you send me a letter with the same inquiries with a different name. 

I demand the CRA to delete those inquiries IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX They had also responded back XXXX  that the collection from XXXX  XXXX is not listed, but however this is still reporting. 
PLEASE stop report FALSE information. And delete these and adjust my credit score accordingly. If you wish do not so, I will be forced to do legal action against the credit bureaus. 
I will upload the letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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

I am unable to get my XXXX and Equifax credit reports via XXXX. The website does not provide a reason for this but instead suggests I contact both bureaus. A postal address is provided for XXXX. No contact information is supplied for Equifax. 

I have tried and failed to speak with someone at both XXXX and Equifax. On several occasions I was waiting to speak to someone for over an hour. 

Note that I can access my XXXX credit report via XXXX. It is not clear to me why it works for XXXX but not the other 2.
Product: Credit reporting

I recently obtained a copy of my credit report from Equifax only to discover that a company called XXXX XXXX XXXX has reported that I owe them money and it is affecting my report negatively. In the past I have disputed this information with Equifax because I have never been personally liable to XXXX XXXX XXXX and would like this fraudulent information removed asap. Equifax claims to have confirmed that this debt is mine and that ca n't be true because the debt is not mine. XXXX XXXX XXXX is trying to hold me accountable for a business leasing account that I was affiliated years ago with because the business that is liable is gone out of business and they ca n't collect from that business, so they are going after the only person they can and that is me. Both Equifax and XXXX XXXX XXXX are clearly violating FDCPA Section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ) federal laws as they are blatently reporting false, unverified, unvalidated debt that does not belong to me personally. I am requesting your help with this matter
Product: Credit card or prepaid card

Synchrony home reduced credit limit {$1700.00} to {$250.00}. 
XXXX XXXX/Synchrony car care on XX/XX/2020 closed my account. 

I called and spoke to XXXX agent who said she was helping me to file a dispute but that account could not be reinstated and that I should apply again And then XXXX XXXX ID # XXXX account manager who said the same thing that I had to reapply. 

Account is for car repairs only. 

I need this card for car repairs. I am due for brakes on my vehicle. That is absurd that accounts are being closed because of covid related marks on credit report. I have not missed payments on my mortgage or other creditors. They were late due to issues receiving my pay timely that has been resolved. 
I only reported that my payment would be late while my company switched to direct deposit and did not enroll in forbearance or deferment with any company and have letters from several creditors already as I am attempting to resolve these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had to freeze my account with experian on XXXX occasions in which I never unfroze my account Now it is reporting hard inquiries that were removed I never unfroze my account
Product: Money transfer, virtual currency, or money service

I was scammed in a transaction for vinyl record. I sent the man the money on XXXX XXXX and was informed on XXXX XXXX by another individual on XXXX that this scammer was posing as me, attempting to buy the very record I solicited him for. 

I used paypal to send the money thinking that I was using their merchant services, but I unfortunately still had the " friends and family '' feature enabled when I sent the payment. 

The amount of money lost is : {$130.00}
Product: Payday loan

I did not receive a payday loan from anyone! I keep getting emails from ACE stating they are going to contact my place of employment and sue me ... ..I never applied or received a pay day loan!!!!!
Product: Checking or savings account

I am opening a new complaint related to complaint : XXXX. 

My original complaint still stands. They did eventually credit me the bonus, *after* I spent several hours on the phone with customer service agents ( getting the run around ) and filed a complaint with the CFPB. However, they did not comply with the terms and conditions of the promotion, which required the bonus to be paid " within 90 calendar days from the date from the date you complete all Required Activities. '' I am seeking recompense for the failure to abide by the terms and conditions of the agreement, and for the time I have been forced to consume dealing with customer service reps and the CFPB ( to receive my duly earned bonus ). I bill at $ XXXX/hour and have conservatively spent 4 hours trying to resolve this issue, so I am seeking {$800.00} from Citi. 

In addition to my original complaint, I now have a new complaint against Citi. They lied to the CFPB in responding to my original complaint. They claimed *to you* not to have any record of me being a customer, but they had no problem responding negatively to my complaint via my private email ( message attached ). For the CFPB to take Citi 's word and closing a complaint without giving the consumer an opportunity to refute the companies claim is absurd.