23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am demanding the immediate removal of unauthorized accounts, addresses, and inquiries from my consumer report. These entries are clear violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681b : Prohibits accessing or furnishing my consumer report without a permissible purpose.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Mandates the deletion of inaccurate, incomplete, or unverifiable information.

15 U.S.C. 1681i ( a ) ( 5 ) ( C ) : Prohibits the reinsertion of deleted information without proper certification.

FCRA Section 605 ( 15 U.S.C. 1681c ) : Restricts the inclusion of certain obsolete or unverifiable information on consumer reports.

I DID NOT GIVE TRANSUNION CONSENT TO TRADE, HOUSE, BUY, SELL AND OF MY PERSOANL DATA TO ANY REPORTING AGENCIES OR DATA FURNISHER SEE ALL ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report, under my Wells Fargo Mortgage account. Incorrect remarks were added with a false statement that was not reported by me. It seems that Wells Fargo Mortgage placed these inaccurate remarks, which caused my credit score to be severally affected. I did not open a dispute regarding my Wells Fargo Mortgage account balance being Paid In Full in XX/XX/2022 with XXXX. I did not have any problems with the fixed rate. This seems unfair and severe to deduct some many points for an incorrect Remark.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to Equifax a collection of {$1300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The balance is wrong. I returned all of the equipment back to XXXX and therefore there is no outstanding balance to report. This account needs to be removed from collections. This false reporting of a collection is seriously harming my credit score. I have contacted the bureau to remove this item however, I have not been successful.
Product: Debt collection

I went to the hospital on XX/XX/2021 which I have gotten a full detail bill on. A charge on XXXX was put in collection on my credit report in late XXXX which I did not know prior till seeing this in my report I never heard of this amount owed. I reached out the the collection agency and they failed to give relative information such as detail billing on the date and the amount charged. I called both my insurance and hospital and they both stated that there was not a charge of XXXX relative on that date or any other date prior or present to that. I received detail bills from both my insurance and the hospital and that charge of XXXX was never on there. I have tried with the collection agency but they have no saying this was me, that have not provided correct information when it comes to billing.
Product: Credit card or prepaid card

US bank send me an offer for a credit card and I was suppose to get {$500.00} bonus cash if I spend {$4000.00} in first 90 days of the account opening. I completed this process and didn't get my bonus for {$500.00}. I called the customer service and on the recorded line the customer service representative Confirmedthat I spent over {$4000.00} in the first 90 days and not sure why I didn't get the {$500.00} bonus. She initiated the investigation, after few days I received the letter which stated that I didn't met the requirements. Per my US bank statements, I spend over {$4000.00} in the first 90 days as required. I feel this is misleading and fraud and I should be entitled to the {$500.00} as promised by this bank. Please investigate. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Education Services ( AES ) reported five ( 5 ) missed or late payments on two ( 2 ) student loan accounts for a total of ten ( 10 ) payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with AES on a few occasions including phone, email and certified mail. I spoke with a customer service rep in XX/XX/XXXX and after careful review he stated there was a misunderstanding of how the account was being reported and suggested I submit a formal dispute to have their credit team review and update -- After reviewing several disputes AES concluded the reporting was accurate but AES failed to give me proof of any evidence they followed compliance of properly notifying me of negative reporting at the beginning of the negative reporting period ; AES also failed short of notifying the CRAs that I dispute the accuracy thus there was no remark of dispute left on my credit file. Subsequently, I made a direct dispute with each of the CRAs to have them investigate the legitimacy and compliance procedures to no avail as they provided no method of verification. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR 1022.43 - Direct disputes Tracking information ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RESPONSE TO COMPLAINT # XXXX Dear TRANSUNION, XXXX PLEASE INVESTIGATE CONSUMER REPORT '' I, XXXX XXXX XXXX consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. You claim these accounts are verified? Please show proof of whom you verified these accounts through? Please send me names and addresses and if you can't provide this information please delete the below accounts : Account Name : XXXX Account # : XXXX Account Name : XXXX Account # XXXX XXXX Account Name : XXXX  XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX 15 U.S.C. 1681 Section 603 ( 3 ) ( E ) States, The term " investigative consumer report '' means A consumer report or portion thereof in which information on A consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on A consumer 's credit record obtained directly from A creditor of the consumer or from A consumer reporting agency when such information was obtained directly from A creditor of the consumer or from the consumer. 
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. Delete these accounts immediately unless you want to be held liable {$1000.00} per violation.
Product: Debt collection

A man contacted me on XX/XX/21 claiming that I still owed Paradigm Acceptance Company, for a XXXX XXXX. I believe I've paid my balance full for the debt. The man was very rude with me, so I hung up. He immediately called me back I didn't answer, because at the moment I couldn't handle the stress from his rude behavior. I looked up Paradigm Acceptance Company, and it appears they are no longer in business. How can this man collect for a company that is closed? I don't remember the name of his " law firm. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

I purchased a new XXXX XXXX VIN # XXXX   from XXXX XXXX  in XX/XX/XXXX, financed for 6 years through XXXX. At some point my loan was transferred to Ally Financial. The loan was paid off in XX/XX/XXXX, but I did not receive a tiltle and called to inquire ; I was told that they released the lean on the title and that XXXX would print the title if I needed it. In XX/XX/XXXX the car was wrecked and processed by XXXX  as a total loss ; XXXX requires the title to release the settlement funds so that I can get a new vehicle. When I went to XXXX to get the title I was told they could not give me the title because it still had a lean from Ally financial. I asked my wife to call Ally, which she did and was told it would take 24 to 48 hours to process ( I do not have the transaction number ). 10 days later I follow up ; They have no record of my account or social security # but do recognize the VIN of the car. I get the same response as my wife except its 24 to 48 hours for a fax and a week to 10 days for the mail ( transaction # XXXX ). 5 days later still no title release so I follow up again. They transfer me to an account recovery department XXXX who says the system dealing with old accounts is down and they will process it when it is back on line, I asked how long it has been down and when it is expected to be on-line and was told it had been down for at least 2 weeks and they had no information when to expect it to be resolved, and that I have waited 5 years a few more weeks should not be a problem. I call back several times asking for managers or some one who can send a release with out the broken system but have no luck. They all had the same story " they are experiencing technical difficulties and they will call me once they are resolved. I called back the next day and put in another request # XXXX.
Product: Credit reporting or other personal consumer reports

Currently there is a collection account appearing on my report from XXXX with the original creditor being XXXX XXXX XXXX XXXX this information is erroneous and is in reference to an account and medical bill that was covered under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my I am not responsible for the debt nor should the debt appear on my credit report. I have repeatedly attempted to contact XXXX XXXX XXXX which was the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to contacted XXXX XXXX XXXX XXXX and XXXX as it has been transferred to multiple parties in the interim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 dispute letters to Experian. One on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are violating my rights by refusing to dispute the negative accounts on my report. The other 2 bureaus have removed stuff because it could not be validated but Experian is saying they are all validated. But according to the Fair Credit Reporting Act for the accounts to be validated they have to be able to provide a signed contract or video of me signing a contract for them to be able to report an account. These negative accounts have not been able to provide such evidence therefore again violating my right per the FTCA. Per the FTCA Experian could be fined {$1000.00} per violation should I choose to take them to court. I am trying to avoid a court proceeding by working with the CFPB and Experian to fix the problems on my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a, which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information account ( # XXXX ), but Experian failed to follow up or correct the errors.

Experians actions also violate Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against Experian, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products.

Experians negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective action.
Product: Credit card or prepaid card

JPM Amazon card avoided sending bills after requested and continued to charge late fees even though they were aware I was not receiving bills. It appeared deceptive and likely is a predatory practice to extract additional fees by creating confusion. I imagine many others have a similar issue so I thought it would be worthwhile to post. In my case I spoke with several managers, most recently  XXXX in Missouri who told me that, even though I was charged additional fees before receiving the bill and after complaining that I had not, Essentially leaving me no potential time to respond or written notice in any form after making them aware that I did not have access to an online account as no emails were being sent to my address. He informed me that the fees could not be waived were we simply stuck with it. I have other cards and have never had a problem making payments but it seems like 9/10 times there is a late fee that crops up with this card. I think they intentionally complicate and obfuscate as a predatory practice to extract fees that customers are unaware of. 

Notably I considered writing the company about this but figure if this is a predatory practice probably better to report it here. They also seem to be doing some strange things with reward cancellations etc ... I think someone would do well to see if the company cleaned up after the last batch of credit practices were aired.
Product: Credit card

On XXXX I spoke with a Capital One Associate. I explained to her that I am currently unemployed because I am in school full-time and am unable to work, therefore I have XXXX income and am unable to make any payments on the credit card. I requested a 12-month deferment period for making payments on the credit card and she replied that a deferment was not available.
Product: Credit card or prepaid card

For the past week, I have been trying to log in to my Comenity account to make a payment. I have the Children 's Place credit card which is serviced through Comenity. There is NO way to get through to them as their website says, " We are currently undergoing a planned system update that has taken longer than expected, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' When I try to log in with my credentials, I get an error message that says, " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' I have also tried to reach out via telephone using the number listed on their website and receive a message that states the same thing about ".. .undergoing a planned system update that is taking longer than expected... '' It then automatically hangs up the phone after the automated message and there is no way to speak to any sort of human contact or make any payment. 
I did a XXXX search and see that they have given the same generic automated message as an update on their XXXX, and they are not answering consumer questions regarding how they can make their payments. 
We are worried about not paying our accounts and being hit with late fees due to their negligent actions. There was no information passed on to consumers that there would be an update performed, and there is no information being passed on to consumers now about when to expect to be able to do anything regarding our accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies XXXX and Experian are violating my consumer rights protected by the FCRA. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The companies are reporting inaccurate information on my credit report to include names and addresses that DONOT belong to me.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts to contest the inaccuracies in the information provided to Equifax, XXXX, and XXXX, unfortunately, the issue remains unresolved up to this point. 

Equifax : 1. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX  Account Number XXXX XXXX Please remove this inaccurate information from my credit report. 


XXXX : XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 12.  The following personal information is incorrect Employers : XXXXXXXX XXXX XXXX XXXX XXXX 13. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX Account Number : XXXXXXXX  Please remove this inaccurate information from my credit report. 
14. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX  XXXX Account Number : XXXX Please ensure that all information is accurate 15. Under 15 US Code 1692f ( 1 ). Unfair Practices JXXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
16. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
17. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX  XXXX. The following personal information is incorrect Employers : XXXX XXXX 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX Account Number XXXX XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX & XXXX Original creditor : XXXX  - Account number - XXXX _____________________________ INQUIRIES _____________________________ XXXX XXXX Inquiry : XXXX XXXX, 2022 + Miscellaneous ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2022 + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 + Finance/Personal XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 + Credit Union XXXX XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 + Bank ( XXXX ) XXXX XXXX  XXXX  Inquiry : XXXX XXXX, 2022 + Credit Union XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX, 2022 + Credit Union ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 + Finance/Personal ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2022 + Automotive XXXX XXXX ) XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX, 2022 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g
Product: Credit reporting or other personal consumer reports

I submitted a dispute, account was.deleted and then put back on 2 months later...