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

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). As you are aware, the FCRA at Section 605B and the gu
idance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Not a duplicate. Additional new relevant information. I am an individual. This was prepaid by me, and not a third party. 

Discover : You have been notified about an ftc Id theft report. You were provided the report number. It would seem as though I never attached the document. Attached you will find the theft report along with the ftc guidelines as to how you are required to respond. 

When the account was opened there was an fraud alert on my account. You failed to take the nessisary steps to require the person opening the account provide you with unique identification. 

Upon requesting that you provide me with what unique identification you used to identify that it was me opening the account, you were not able to provide any. This account was opened fraudulently. 

You have said that you refuse to respond to any complaints that do not have new relevant information, while ignoring the fact that the account was opened fraudulently without unique identify information, which is required when there is a fraud alert on the credit file. Had you taken the steps to prevent fraud as was requested, then we would not be where we are today. 

You have been notified by XXXX  that this account was the result of identity theft. Per the ftc once notified that there is fraud/identity theft by any cra, you are no longer allowed to report that information to any of the cra 's. That includes all places you are reporting. 

You violated my rights when you did not head the fraud alert, you violated my rights when you reported it. You are continuing to violate my rights by conspiring with the two  remaining cra to not accept the Id theft report. You are suggesting that you will violate my rights by not responding to complaints recieved through the CFPB. You violated my rights by continuing to report the fraudulent account after being notified by transunion that it was the result of identity theft. You violated my rights by continuing to report after having been given a copy of the idtheft report number. And I am very certain there are additional rights you violated, like refusing to return my phone calls after a request for a call back was recieved. ( Yes, you actually responded that you recieved my voicemails more than once, and you decided you do not have to respond, despite the fact that ftc guidelines say otherwise. XXXX  ) Stop all of it now.
Product: Debt collection

Today, I reviewed my Experian credit report and found that XXXX is reporting that I owe {$900.00} under account # XXXX. This debt does not belong to me and furthermore, Experian continues to allow XXXX to report this fraudulent erroneous debt to my credit report despite XXXX being " permanently barred from acting as an XXXX, XXXX, employee, agent or advisor to any individual or business that collects, buys, or sells consumer debt as per the Consumer Financial Protection Act of 2010 ( CFPA ) where they violated the Fair Debt Collection Practices Act ( FDCPA ) '' XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

15 USC 1681b Permissible Purpose AD Astra Recovery Services Inc failed to provide signed copies of agreement between all parties. 

AD Astra Recovery Services Inc is not licensed in Virginia to collection debts.
Product: Student loan

Citibank fails to issue me a statement when I ask. They can not tell me how much my payments are nor can they tell me my balance or interest. My mother cosigned and filed for bankruptcy. However I have made payments continuously and on time to satisfy my loan. Citibank REFUSES to issue me a statement monthly or answer my questions when I call blaming it on my mother. 

I want to pay off my loan honestly, but Citibank REFUSES to cooperate overtime I call for a statement. I have NO IDEA what my payments go to whether its interest or principal. 

I am asking for your assistance as Citibank has been UNCOOPERATIVE in assisting me. 

Thank You, XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I requested assistance from Discover Bank/Discover Financial Services in order to initiate a dispute for a transaction that posted to my Discover Credit Card on XXXX, XXXX, XXXX. The dispute was against a merchant by the name of XXXX XXXX XXXX XXXX in the amount of {$500.00}. The following are the reasons for the dissatisfaction of the services provided by the merchant in which caused the dispute : # 1 - The merchant mislead me into paying for a baseball tournament event so that my son can attend under the conditions that he would use him as a pitcher in which he never did. # 2 - Extremely insufficient game time during the very few innings that my son participated due to the amount of players that the merchant signed up for the tournament. Baseball players want to participate and not be sitting on a bench and watch other players play. # 3 - The merchant provided verbal tournament conditions in which he stated that the players were guaranteed to play four games in which they only played three games even after the forecast was clear of any rain. The explanation given for the reduction of games was that the tournaments management staff stated that they were running behind on schedule. # 4 - The merchant invited 15+ players at {$500.00} each to the tournament and most of them were not even on the event 's roster including my son. # 5 - The  merchant was not an active state of Florida corporation at the time of the tournament event in which raised major concerns. I have provided Discover with numerous statements of how dissatisfied my family and I was with the services provided by the merchant. However, for some reason Discover is on the same side as the merchant. Why should I pay a merchant for his unethical business practice? It is my professional opinion that Discover has broken the Cardmember Agreement by not providing a fair resolution to a merchant complaint/dispute even though the merchant acted in bad faith. However, I acted in good faith and paid the merchant for services that he did fulfill and Discover agrees with the  merchant in which is to basically steal my money.
Product: Debt collection

I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate info immediately. 

XXXX XXXX account # XXXX date opened XX/XX/year> XXXX
Product: Payday loan, title loan, or personal loan

I am writing to you about a title loan I got in XX/XX/2013. I received the loan in the amount of {$6000.00} ( XXXX XXXX ). I needed this loan for a personal matter. I have never had a title loan before and when I went in she explained to me that she would take a picture of my car and give me the loan I need .I informed her that I didn't know how soon I could pay this loan back. She said no problem, you can make monthly payments of around {$360.00} or I could make smaller payments and stretch it over a long period of time. But was not explained the true cost of the loan if I renewed it multiple times. I was mislead by the terms and cost of the loan .Never was it told to me that this loan was and should be a 30 day loan.The amount of the loan also exceeded the amount my car was worth. Even if I would have tried to sell my car to pay off the loan, I still could not have paid the loan off. Each month she would renew the loan without discussing the fees or the total cost of repeatedly renewing the loan. I have paid on this loan for 5 years. I lost my job this XX/XX/XXXX and went to them about how I was going to make the payments. All that was said was I could voluntarily turn my car in or they would repo it. Of course I need a car to get a job. My brother stepped in to help me keep my car. After 5 years of paying around {$360.00} a month, I still owed {$4800.00}. Total of a {$6000.00} loan has cost me {$26000.00}. We found out that when my brother paid the note off, I was being charged an interest rate of 97.21 %, Never has that ever been discussed during the loan. I would have never paid the loan off and my car is not worth selling. I was offered {$500.00} for it. Yet, they made a loan for {$6000.00} and used it as collateral.I am filing this complaint because I feel like I was mislead about the terms and cost of the loan.
Product: Debt collection

I am writing to dispute and alleged debt with NCB management services, After numerous attempts ( letter sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? under the laws of the XXXX these negative items still being reported on my credit report I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me and debt collector. No official document or authority the collection agency has such as a license to collect in my city or state after numerous attempts still unable to get them to verify with any official permission documents that this is indeed my debt Ive enclosed copies of my recent request to the collection agency asking them to validate this alleged debt and the receipts showing that I sent these letters certified signature requested this alleged debt is not mine and I was given no evidence of my obligation to pay. The steps to the collection agency XXXX requires you to verify and validate the items within XXXX days. If the validity can not be verified debt collectors obligated by law to remove the items. I will use the courts as needed to enforce my rights under the XXXX I look forward to CFPB protection and to enforce the law against all perpetrators and violation of XXXX laws. CFPB protect my right to a fair and accurate credit report, also if legal action taken and CFPB find such perpetrators negligent against myself CFPB called as a witness on my behalf.
Product: Credit reporting or other personal consumer reports

I had an account with XXXX. 
( account # XXXX ) on XX/XX/2023 I paid and settled this account. Since this payment was made my credit reports reflected the status of this account as Paid in Settlement. On XX/XX/2023 there was a dispute with this account. After the dispute the status of this account was changed to reflect the status of this account as Charged off which it should not, as this was paid in settlement. This is causing a huge issue for me, as I have mortgage lenders looking at the status of all of my accounts.I reached out to XXXX ( now known as XXXX XXXX ) and spoke with an account manager named XXXX who confirmed that the account is in fact paid in settlement and she does see the payment made, However she stated that they will not update the status of my credit report. She gave no reason as to why they wouldnt accept that they never do it. This is ridiculous and a violation of my consumer rights under the FCRA which states creditors are obligated to report accurate and verifiable information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments by XXXX XXXX, Account Number : XXXX, specifically for XX/XX/year>. I am requesting the immediate removal of these late payments from my credit report for the following reasons : XXXX. Violation of 15 U.S.C. 1666b Under 15 U.S.C. 1666b, creditors are required to allocate payments and credit accounts in a timely manner, ensuring accurate and fair reporting. The late payment reported by XXXX XXXX does not reflect this principle and appears to be an error. I request that the CFPB investigate this matter to ensure compliance with this statute. 

XXXX. No Legal Requirement to Report Transactions There is no law requiring creditors to report transactions, including late payments, to credit bureaus. The reporting of such information is voluntary, and the absence of my explicit consent to report this information raises concerns about my right to privacy. 

XXXX. Violation of My Privacy Rights XXXX XXXX reporting of my private financial data, including late payments, without my explicit consent constitutes a violation of my privacy. I have not provided authorization for my payment history or any related transactions to be shared with third-party credit reporting agencies. Reporting this information infringes upon my privacy and causes undue harm to my credit standing.
Product: Debt collection

I was contacted by the debt collection agency on XX/XX/2018 by phone call and email. I contacted my employer about my health insurance company throwing me into collections as I have health insurance through them. I also reached out to my health insurance company. Both my employer and my insurance company told me that this sounded like a fraudulent attempt at collecting money from me. I told the agent XXXX by email on XX/XX/XXXX that she should no longer contact me by phone and that I would like written proof of this debt as none of her information matched anything I had. She sent me an email on her company letterhead stating I owed money to XXXX XXXX. The termination date for my insurance does not match what she sent me. I asked her not to call me, that the debt was disputed, and that I wanted proof of this debt. Instead I got two more phone calls and another email. After specifically stating in my XX/XX/XXXX email that I did not want to be contacted by phone, I have since received multiple phone calls, the latest of which was today.
Product: Mortgage

The mortgage company sent me a letter Dated XXXX XXXX, XXXX regarding a " late '' payment. I contacted them, and then subsequently emailed them a copy of the canceled check. On XXXX XXXX, XXXX they company assured me by email that they had removed the late fees, and had corrected my credit file. In XXXX, I was checking my account and noticed that they had not yet removed the late fees. I called them and asked them to please take care of that, which they did. 
My credit file is still showing a late payment with XXXX. I contacted them on XXXX XXXX, to ask then to fix the issue, and their manager simply told me to do a credit dispute. He also told me that credit updating could take XXXX90 days, however this issue has been much longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX XXXX I am fling this complaint because there are several inaccuracies on my credit report regarding the account listed above. Please have the company reinvestigate this and removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company XXXX  is in violation This Credit bureaus stated my account was properly investigated but how is it that possible if the open date is inaccurate, the date last is inaccurate and the reported is no accurate. This is ground for removal they Als violated my rights under 15 USC 1681 section 602 A. States I have a right of privacy 15 USC 1681 Section 604 A section 2 It also state a consumer reporting agency can not furnish. A account without my written instructions
Product: Credit reporting or other personal consumer reports

Subject : Deletion of Unauthorized Credit Inquiry CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OUTLET CC : ACME FINANCE CO. , INC I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX, XXXX, XXXX After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. 

The inquiry was made on XXXX, XXXX, XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. 

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession. 

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB agent, The last couple of years I've been noticing changes to my credit report that are not accurate. I noticed that there are some inquiries that I don't recognize or authorized. 
the companies are the follows : XXXX XXXX who added an inquiry on my report on XX/XX/XXXX XXXX XXXX XXXX who added an inquiry on XX/XX/XXXX XXXX XXXX XXXX who added an inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX who added an inquiry on XX/XX/XXXX please help me remove those items from my report. Thank you
Product: Checking or savings account

Bank will not allow me access to my accounts for the ongoing of three months. I have thousands of screenshots.
Product: Credit card

Credit card was getting charges from California and I live in Alabama. I never made the fraudulent charges. I caught the charges and reported it to Wells and Fargo several times. I was sent a number of new cards and I was still scammed. Wells and Fargo decided to still charge me for the fraudulent charges and now its on my credit and I cant get anything because of it. This all happened in 2019. I was charged late fees for charges I never made.
Product: Credit reporting or other personal consumer reports

I took notice to inaccurate information on this account from XXXX, XXXX XXXX. 


The first inaccuracy is that the account numbers are reporting differently on XXXX, XXXX and Experian. This is already grounds for removal pursuant to the fair credit reporting act. The FCRA says that everything must be maintained with 100 % accuracy however, both XXXX and Experian are reporting the account number [ XXXX ] while XXXX is reporting this account number [ XXXX ]. This is only one account and it can not have to completely different account numbers. You now clearly have reason to believe that the information reported is inaccurate. I also included a screen for further evidence. 

The additional inaccuracy is that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report.

Pursuant to 15 USC 1681b This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late. 

I request that you mail me a copy of the complete consumer file that you maintain concerning me and this account after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the accounting records, the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent two dispute letters to Experian disputing the negative items on my credit report but they sent me a response letter back on XX/XX/XXXX telling me that they won't we reinvestigate into the matter.