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

In accordance with the Fair Credit Reporting act XXXX Convergent Account reference # XXXX ( XXXX ) reference # XXXX ( experian ) reference # 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 Violation of the Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act ( FCRA ) is a federal law that protects the privacy and accuracy of consumer information in credit reports. When your bankruptcy information is publicly disclosed without your consent, several key provisions of the FCRA are violated : 15 U.S.C. 1681b ( a ) ( Permissible purposes of consumer reports ) : This section of the FCRA limits the purposes for which a credit report can be obtained. The public disclosure of your bankruptcy is not considered a " permissible purpose '' under this law. Credit reports are intended to be used by parties with a legitimate interest, such as lenders, employers ( with your consent ), and insurers, not for public dissemination.

15 U.S.C. 1681e ( b ) ( Accuracy of consumer reports ) : This section requires credit reporting agencies to ensure the maximum possible accuracy of information in credit reports. Unauthorized public disclosure of your bankruptcy can be considered inaccurate, as it does not reflect the intended use of such information and can cause undue harm to your reputation.

15 USC 1681 section 604 2 : This section is also related to the permissible uses of credit reports, therefore when your bankruptcy information is disclosed without your permission, this section is also violated.

Impact of the Violation The public disclosure of your bankruptcy can have severe consequences, including : Reputation damage : It can damage your financial reputation and make it difficult to obtain credit, employment, or housing in the future.

Emotional distress : It can cause significant emotional distress and an invasion of privacy.

Risk of identity theft : Disclosure of sensitive financial information increases the risk of identity theft. 
Key Concepts : Privacy : The FCRA aims to protect the privacy of your financial information. 
Accuracy : Credit reports must be accurate and reflect the true nature of your financial history. 
Permissible Use : Credit reports can only be used for specific, legally defined purposes.
Product: Debt collection

The account reporting on my XXXXredit score is " fraudulent '' and does not belong to me. I want this account " DELETED '' ASAP off of my credit score, or me and my attorney will take legal action.
Product: Credit card

I had a XXXX procedure done so I could not pay my Macy 's bill on time. So I called Macy 's and set up weekly payments, Macy 's has been taking out {$60.00} out of my bank account for the past 3 weeks. Before I agreed to this they Promised me my credit wo n't go down. They lied! I just got an email saying my credit score went down XXXX POINTS because of this. I want my credit score back up or for Macy 's to wipe my Balance clean! I will contact a attorney if I have to I do n't appreciate Macy 's lying to me about my credit!
Product: Debt collection

XX/XX/XXXX I signed up for a XXXX account. It showed " Ad Astra Recovery Servic '' twice under collections for a total of {$260.00}. I sent this company a written notice because I've never signed a contract with them or the original creditor. My credit should've been blank ( considering I've never used it ). Please remove this account from my credit report as soon as possible. It is not XX/XX/2019 and I've not received a response from the company regarding it. 

Thank you and XXXX Bless
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but have allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within XXXX business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( XXXX ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( XXXX ), collection activities must cease regarding debts from this identity theft.
Product: Debt collection

I started this journey XX/XX/XXXX of this year when I checked my credit and noticed several accounts from Account Resolution Service account numbers XXXX ( {$420.00} ),  XXXX ( {$1300.00} ), XXXX ( {$1000.00} ), XXXX ( XX/XX/XXXX ), XXXX ( {$1400.00} ),  XXXX ( {$1000.00} ). I originally contacted the credit bureaus to dispute the accounts due to the accounts not belonging to me and is not something that I recognize. I also pointed out reporting errors with the listings as it should be reporting 100 % accurately and asked for proof of verification received from Account Resolution Service and did not receive anything but a generic response with no proof. After 2 attempts I contacted Account Resolution directly on XX/XX/XXXX via certified mail USPS #  XXXX attempted delivery on XX/XX/XXXX at XXXX XXXX letter was not delivered due to no access to delivery location. How is it possible for them to provide an address that the postal service can not access? This type of practice does not seem ethical. In the letter I asked for them to verify they are attempting to collect from the correct person. I also requested they send me competent evidence with a full accounting and original contract. These accounts are still reporting on my credit which they shouldn't because no one seems to have the proper documentation and accounting so these should be removed as I am not responsible for these debts. Please provide validation of the accounts especially since I never received any notice/statement from you stating you're trying to collect on an alleged debt.
Product: Credit reporting or other personal consumer reports

Another complaint closed without having addressed the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

I am writing to formally dispute several items on my credit report that I have found to be inaccurate. After conducting my own investigation, I discovered numerous fraudulent accounts listed under my name, which I did not authorize or open. 
Under 15 U.S. Code 1681e ( b ), a consumer reporting agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, in accordance with 15 U.S. Code 1681i, if an investigation reveals that any disputed information is inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete such information from my credit report.

Furthermore, according to 15 U.S. Code 1681c-2, a consumer reporting agency is mandated to block any information that the consumer identifies as a result of identity theft. I formally identify the following fraudulent accounts on my report as resulting from identity theft : [ List the fraudulent accounts, including any relevant details such as account numbers or creditors.

1. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$11000.00} 2. Jefferson Capital System Acct # XXXXXXXX Balance {$580.00} I request that you conduct a thorough reinvestigation of these items and block the reporting of this fraudulent information promptly, as required by law. Attached are copies of my identity theft report and any relevant documentation that supports my claims. 
Thank you for your immediate attention to this matter. I look forward to receiving your confirmation that these inaccurate and fraudulent items have been removed from my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

REVCO SOLUTIONS sent me a debt collection letter to collect {$670.00} on XX/XX/year>. 

They apparently purchased the debt from XXXX XXXX XXXX  or are collecting this debt on behalf of them. 

I, the consumer and original creditor, never authorized XXXX XXXX XXXX  to communicate with any third party debt collector thus 15 USC 1692c ( b ) was violated. 

REVCO SOLUTIONS designed and sent me a deceptive debt collection form violating 15 USC 1692j. REVCO SOLUTIONS is not the creditor participating in the collection of this debt making this attempt to collect unlawful.

Also, In the letter sent to me, they were 54 words which were very profane and abused me as the reader in which I was very offended by violating 15 USC 1692d ( 2 )
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesnt belong to me and need to be removed. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I requested a XXXX from XXXX XXXX bank after my account was closed and charged off XX/XX/year>. 
I received no response from XXXX XXXX bank directly. 
I later received documents threatening to sue me in XXXX XXXX XXXX NJ by XXXX, XXXX and XXXX XXXX ( XXXX ). 
This account has been charged off/written off by XXXX XXXX XXXX XXXX 
All three Credit Bureaus XXXX XXXX, XXXX, Transunion ) are each reporting an open balance on my credit report. 
Each time I call XXXX XXXXXXXX, I'm directed to XXXX, I spoke with XXXX XXXX who's overseeing this particular account. 
I, XXXX, have asked XXXX XXXX for the XXXX form. 
As well as Validation of debt under title XXXX XXXX XXXX XXXX. 
I want to see the chain of title that they have to collect on this debt. 
Proof that the statute of Limitations has not expired. 
Proof that they're licensed to collect in the state of New Jersey, and their license number and reregistration agent. 
Also, has there been any insurance claim found on this debt payment?
Product: Money transfer, virtual currency, or money service

Invested money through my citizens account that should have been recognized as a scam by them. Also had my account hacked and had money stolen directly and through a counterfeit check without my knowledge or approval. 
For more details, please see attached letters.
Product: Checking or savings account

On Friday, XXXX XXXX, I purchased an item on XXXX using my debit card and then had it refunded. The item amount was {$14.00}. After seeing that the purchase and refund had appeared on my checking statement online, there was an open authorization for {$14.00} still being held from my available funds. I was told that it had to stay on because of " the system, the banking system '' until Friday, XXXX XXXX. On Friday the XXXX, I was told it would drop and be noteable on Saturday. Between which I had another previous item refunded for {$15.00} making the available on Saturday, the XXXX never reflecting their putting the withheld {$14.00} back into my available balance. When I asked about, they said, the balance I was showing was accurate. This clearly did not reflect what I saw all week and brought to their attention from my careful scrutiny of my account. Let me say, I've noted other times recently when money disappeared from their bad bookkeeping.
Product: Credit reporting

Willful non-compliance as per FDCPA 807 False or misleading representations 15 USC 1962e. I recently wrote to Experian concerning the reporting and verification of a BKXXXX from the US Court/XXXX Ca. I have firstly contacted the Court, which sent me a letter stating that they do not I repeat do not report any information to any of the XXXX XXXX 's. I also put a security freeze on the XXXX data mining companies that the CB 's use like XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX if you need them. 

I sent Experian a formal notice that their claim was being disputed and I was requesting verification, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " verification '' that is competent evidence bearing my signature, showing that ( I have or ever had ) .Bankruptcy. An Employee looking at their computer screen seeing my name listed in their database is NOT " verification or validation of any Bankruptcy. Verification according to XXXX Law Dictionary is " ... ... averment that the party pleading is ready to establish the truth of what he has set forth. '' Also it goes on to say " " The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. '' The court said " Verification and Confirmation of the correctness, truth, or authenticity of a pleading, account or other paper by an affidavit, oath or deposition XXXX v XXXX XXXX, XXXX, XXXX, XXXX, XXXX. ; and XXXX v XXXX XXXX XXXX and XXXX v. XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX This is my argument concerning Experian verification process : Verification is sworn testimony. It can be testimony in a deposition or in a court or an affidavit. The only testimony that is admissible is testimony from a witness with First Hand Knowledge. " A county clerk does not have firsthand knowledge nor does anyone at the county recorder, nor does anyone at the credit bureaus if someone verifies but they does XXXX XXXX, XXXX, XXXX etc. The main public records source for the credit bureaus. If someone verifies but they do n't have firsthand knowledge then its not verification its Hearsay And hearsay is inadmissible and the court says its incompetent. The negative mark found on my credit reports including Experian, XXXX, XXXX So in conclusion if you can not truly validate and verification which they have now legally accomplished they should immediately deleted this from my credit file which has been detrimental to my livelihood and my credit score.
Product: Credit card or prepaid card

I had an American Express Serve Card with a balance of {$55.00} on it and a Bluebird card ( also from Amex ) with a balance of {$6.00} on it.American Express " froze '' both cards and refused to give me my money back.I wrote them a letter a month ago to : American Express XXXX. XXXX XXXX XXXX, Ga. XXXX. 
I asked for my money back. I have had no response from American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I submitted a complaint about XXXX XXXX  posting negative on my credit report while they was are in Bankruptcy on account. XXXX XXXX  was removed from all 3 of the credit bureaus but my credit score damage still remain and was drop 75 points for the damage cause by XXXX XXXX reporting. I was told in a few months my score would improve and it would return to normal. So far that is not the case and my score has not increase from the removal of the city bank debt.
Product: Credit card

I purchased an XXXX on XX/XX/year> using back to school promotion. That included a gift card financed. 

On XX/XX/XXXX I ordered the XXXX. 

Only XX/XX/XXXX returned the XXXX for a refund. 

Part of the promotion you receive a {$100.00} gift card and finance. Goldman had me still paying the gift card for the item I returned. 

I contacted and disputed after speaking to a representative. They denied my dispute as Based on available information, we determined you agreed to the merchant 's terms and conditions at the time of purchase and no refund or credit is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I tried to log into XXXX XXXX with XXXX and it keeps telling me that it is having technical issues. It will not let me log in even when I gave it my photo id and after several attempts are emailing me verification codes. This is happening on both the app on the phone and the desktop. I got in touch with customer support and they tell me to use a different email address. I use my XXXX email address and they tell me to put in another customer support request. I do that and it won't accept either user id. It tells me that I made too many requests. I think this is a fraudulent app and the URL : XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

I was informed by SunTrust on XX/XX/XXXX that The premium ( MPI ) will be eligible for deletion after XX/XX/XXXX and when your principal balance reaches a LTV of 78 % or % XXXX However, I received a statement from SunTrust Mortgage yesterday stating that As of XX/XX/XXXX your home has gained sufficient equity to eliminate the FHA monthly insurance premium I do not appreciate being given contradictory information. Apparently, SunTrust 's marketing staff and the persons administering its mortgages dont communicate with each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to challenge the accuracy of information found in my credit reports and to demand proof of any negative claims made against me. As a responsible consumer, I have every right to ensure that the information on my credit report is accurate and reliable. I understand that the FCRA allows me to challenge any inaccuracies in a manner compliant with federal law. When these inaccuracies are negatively affecting me financially due to their accuracy or completeness, I have the right to challenge them. It is my belief that the claims within my report are wrong, and there is no proof that I am delinquent or derogatory. Therefore, I demand that you provide me with physical proof of what has been done and an updated credit report. I urge you to follow proper procedures if these claims are in your system and to be used in my credit reports. You must comply with federal law ( FCRA ) and Metro 2 standards to ensure that all claims are accurate and reported in the correct format. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me with records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. I have reviewed my credit report in all 3 bureaus ( Experian, XXXX, and XXXX ), and even after the investigation, I see that not all information has been reported 100 % accurately, especially the late payments on my payment history. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. In summary, I am challenging the accuracy of the following accounts listed in my credit report : DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX  XXXX DEPT OF ED/XXXX  : XXXX DEPT OF ED/XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXXXXXX I am giving you 30 days to investigate and provide me with accurate documentation and an updated credit report. Either confirm that this matter has been reported correctly, or remove it from the report immediately. It is time for me to get my life back and restore my good name. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX, XXXX Account # 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
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports