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

In accordance with 15 USC 1681, XXXX is not allowed to report any of my transactional history. XXXX XXXX not respect my privacy per 15 US code 6801, per 15 US code 6802 I was supposed to receive an opportunity for non-disclosure/ opting out but I never have. I am also disputing the accuracy across all three Credit Bureaus per 15 USC 1681, dates on my reports are all different. Also per 15 USC 1681a late payments are illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing all three of my credit reports, I noted that a tax lien that contained erroneous information was on all three reports ( XXXX, XXXX, Equifax ). I wrote to all three agencies, and XXXX and XXXX immediately the erroneous information from my consumer report. <P/>However, Equifax " verified '' the erroneous information as correct. However, Equifax did not abide by the FCRA by going to the source of the alleged erroneous information, instead they went to their business partner, XXXX. <P/>In other words, Equifax simply used its own records to verify the erroneous information. <P/>See, XXXX XXXX XXXX XXXX As there is no dispute Equifax and XXXX are in a partnership, as they released the above press release. <P/>In an effort to resolve this prior to the FCRA complaint I will be filing, I sent another letter to Equifax asking them to please abide by the FCRA and complete a " reasonable investigation '' This letter was completely ignored. I even asked Equifax to run my name, XXXX XXXX through XXXX, to show I was serious and was still ignored. <P/>I have retained XXXX XXXX XXXX and they are preparing the FCRA complaint. As the FCRA allows for punitive damages for a willful violation, I am filing this Complaint, which I expect Equifax to ignore. <P/>I under the CFPB can not represent me, but a punitive damages award against Equifax will help all consumers, because if Equifax will violate the rights of a consumer that clearly will litigate, there is no telling how they are treating less informed consumers. <P/>Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I returned the leased XXXX XXXX XXXX to XXXX XXXX location on XXXX XXXX XXXX XXXX Florida with required Vehicle Condition Report and was provided at end of visit form named XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Vehicle Return Receipt and Odometer Statement ( dated XX/XX/XXXX attached ). I was under the impression that XXXX would remove the open status on all 3 Credit Reporting Agencies to a returned/closed status with balance. Today XX/XX/XXXX Experian Credit Reporting summary is open with incorrect balance {$7400.00} under XXXX/XXXX  instead of collection status under their hired third party collection agency named XXXX XXXX XXXX ( XXXX  ). I have submitted disputes to XXXX Credit Bureau Mgmt Team as requested with my findings to include my financial institutions which are XXXX  XXXX XXXX & XXXX XXXX  XXXX XXXX bank statements of their posted payments ( attached ). I have disputed that my account status be updated to closed/with updated balance numerous times through Experian Credit Agency ( attached XXXX screen shot ). But to much dismay, XXXX/XXXX  continues to insist account resolved by creditor without any change to remove the monthly billing {$820.00} that they show open account status with those XXXX XXXX which reflects I'm in good standing with them, even as reports by XXXX/XXXX  since XX/XX/XXXX ( see attached XX/XX/XXXX Experian Report ). The mistake prevented me on several occasions to be declined for re-finance and the third party collection agency XXXX name does not appear under collection column of the Credir Reporting Agencies. I did receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX which states they are allowing me 30 days to receive and review enclosed documents, at which time they XXXX intend to resume collection activities ( attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Checking or savings account

I am the beneficiary of funds ( about {$2500.00} ) in an IRA account being held at PNC Bank ( " PNC '' ) following the death of my mother. I did not learn of the inheritance immediately following her death, but since learning of the inheritance many months ago, I have been diligently communicating ( both orally and in writing ) with PNC and attempting to obtain the funds from PNC. On numerous occasions ( since about XX/XX/2022 ), I have communicated with the IRA Department at PNC, as well as 2 different PNC branches about the account, the funds to be paid to me and the documentation needed by PNC to provide the funds. As of the date of the filing of this complaint ( and despite having provided all of the requested documents to PNC as requested ), PNC has wholly failed to process the forms and deliver the funds to me in accordance with the beneficiary information PNC has in their own files. PNC 's IRA Department has also provided different answers about the status of this request to its own representative at a local PNC branch. Further, I have also sent an e-mail to the main PNC branch in PA, but have not received a reply. A PNC representative at a local PNC branch advised that this matter has been escalated to a manager in the IRA Department, but no additional information has been received at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My statement shows on XX/XX/XXXX XXXX added a Late fee of {$28.00}. I had already paid off the full balance making the account {$0.00}. I contacted XXXX and they removed the Late Fee of {$27.00} and {$1.00} of Interest. My statement shows the refund date as XX/XX/XXXX. At some point it was reported to XXXX, Equifax and XXXX XXXX. That my account was Past Due for the Month of XX/XX/XXXX for the amount of {$28.00} - the Late Fee and Interest. I immediately contacted XXXX and they agreed that this was not my fault and that they would remove the Past Due from my account and notify the 3 credit bureaus. They advised me to also open a dispute with XXXX, Equifax and XXXX XXXX which I did. XXXX rectified the report almost immediately. Since XX/XX/XXXX Ive continued to open disputes and provide photos and the statements showing the fees and then the reversal of fees so that I was not Past Due for XX/XX/XXXX. Equifax and XXXX  have not corrected my report but did allow a note to be added to the report that I dispute the past due for XX/XX/XXXX. On XX/XX/XXXX my husband was in a car accident resulting in a total loss of his vehicle. They told us we would need to look for a replacement. I am unable to secure a new loan at a fair rate because of the past due affecting my credit score. I have done my due diligence and still Equifax and XXXX  refuse to correct/update the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the major information breach and Equifax. 

Equifax indicated that my personal information ( all personal information they had, which is nearly everything as far as I know ) was breached and leaked. Reports indicate that Equifax woefully mismanaged their information security as well as their response to this breach of the personal information of 140 million Americans. 

I do not believe that Equifax has responsibly handled their duties to protect consumer information. 

As such, myself and many, many millions of others are now at constant risk of identity theft and fraud for the rest of our lives. This is deeply unfair and unjust - and Equifax now wishes to charge fees for their 'services ' to protect us from fraud, giving them more personal information to handle. Put very simply, this is extortion. Equifax put our information at risk and now offers to extort the public for 'protection. ' As of today, there is precious little the consumers affect can do aside from placing temporary fraud alerts. These only last 90 days - which is hardly solace now that we face a lifetime risk of fraud and identity theft. As of XXXX/XXXX/XXXX I 've place 90 day alerts with two credit report bureaus, and am in the process of placing one with the third. 

Equifax needs to either compensate every single affected consumer for time and resources spent protecting ourselves from the risk they 've exposed us to. To resolve the issue, Equifax must work with other credit bureaus and federal agencies to fully reset the way credit is checked in our country. As of this breach, credit reporting is essentially WORTHLESS, as more than half of all consumers info is now potentially incorrect, unreliable, or stolen. The system needs to be reformed and consumers compensated.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian due to their failure to investigate and resolve inaccuracies on my credit report. In addition, I disputed incorrect personal information listed in my credit file. 
On XX/XX/2024, I mailed a dispute letter to Experian via USPS Certified Mail, tracking number XXXX. According to the USPS tracking information, Experian received my dispute letter on XX/XX/2024. Despite the clear evidence of delivery and the specific nature of my dispute, Experian has failed to provide any updates or resolution and more than 30 days have elapsed. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experian 's failure to do so is a direct violation of my consumer rights. 
I have attached a copy of my dispute letter to Experian and the USPS certified mail receipt as evidence.
Product: Credit reporting or other personal consumer reports

Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open these accounts, nor do I recognize them. Pursuant to USC 1681g, I am requesting their removal within XXXX days. The supporting documents are enclosed for your review and action.
Product: Debt collection

I am submitting this complaint regarding a fraudulent debt reported by Discover Bank ( creditor ) under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Details of the Violations : 1. Failure to Provide Notice ( FCRA Violation ) : Under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), I am entitled to written notification of any adverse information reported on my credit report, including details about the alleged debt. Discover Bank failed to provide me with this notice, depriving me of the opportunity to dispute the debt, which is a violation of my consumer rights. 
2. Fraudulent Debt Reporting ( FCRA Violation ) : The debt in question is fraudulent. Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no entity has the right to report information related to identity theft or fraudulent activity on my credit report without my permission. I did not authorize this debt to be reported. The fact that it appeared on my credit report without proper validation or authorization is a violation of my rights under the FCRA. 
3. Failure to Validate the Debt ( FDCPA Violation ) : Even though Discover Bank is a creditor, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they are required to validate any debt upon my request. I have not been provided with sufficient proof of the alleged debt, which violates this provision.

4. Violation of the Truth in Lending Act ( TILA ) : Under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are required to provide clear disclosures of all terms associated with a loan or credit agreement. In this case, no such disclosure was provided, further supporting that the debt is fraudulent. The failure to provide the required disclosure documents violates TILA regulations. 
5. Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP Violation ) : Under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ), creditors are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). Reporting a fraudulent debt without providing proper notice or validation constitutes an unfair and deceptive practice, causing harm to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account ending in XXXX is not reporting on my Equifax credit report. 

I have contacted both XXXX and Equifax in XXXX and XXXX advised they have requested the account be re-reported. 

To date it is not reporting on my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00}
Product: Debt collection

On XX/XX/XXXX I received a settlement offer email from XACT regarding my past due loan. I began working with a financial advisor and he and I called XACT collections department back on XXXX XXXX to go over my loan settlement options. After over an hour we had reached an agreement of {$290.00} to paid monthly starting on XXXX XXXX. When I called XACT Collections back on XX/XX/XXXX to confirm things, get a copy of the payment arrangement and to see about changing the start date for my payment plan the representative told me there was nothing he could do because my loan had been sold to a 3rd party, something that was not disclosed to me or my financial advisor. I requested to speak with a manager and I was transferred to XXXX who I believe is a supervisor or manager. She told me that she could see where I called in and last spoke with them but that the agent who took all of my debit card information and set up that payment plan was not authorized to do so. I explained to her that her associate had me and my financial advisor on the phone for over an hour acting as if he was getting confirmation from managers regarding my loan settlement and provided me with false information. This has been a constant them with this company. Any time i try to make a good faith effort to pay this loan off, Im always met with an XACT representative that doesnt know what theyre talking or provides me with wrong or inaccurate information. They also, prior to XX/XX/XXXX were calling me non-stop on my cell phone and at my previous place of work more than 3 or 4 times a day and I had to ask them to stop calling me so much. This is causing a lot of stress and XXXX  for me and because they have placed this loan on my credit report not only have they ruined my financial stability but not they always have a very oh well type of attitude each time I call to speak with them and I do not feel comfortable making payments because I dont know who Im dealing with. I dont appreciate my credit being ruined and the company responsible doesnt feel the need or obligation to send communications to me regarding my debt, they just do what they want and move things around without notifying me.
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. XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Not mine inaccurate information XXXX XXXX XXXX XXXX Not mine inaccurate information XXXX XXXX XXXX Not mine inaccurate information XXXX XXXX XXXX XXXXXXXX XXXX Not mine inaccurate information XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached 15 U.S.C 1681 section 6028 that states 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 an account without any written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate.

Affected by Natural or Declared Disaster ( e.g.

COVID-19 )
Product: Mortgage

My father passed away XX/XX/2021 The mortgage was in his name and the payments were on the hero 's act, so no payments were being made. 

When he passed I was named the successor, Sent the bank the documents from probate, they refused them ( Confusing even the probate Judges and staff ) they opened 12 cases and kept closing them ( stall tactics ) NOW I am in loss mitigation and the foreclosure is suspended meanwhile they are actively having their Attorney move forward with the foreclosure in Superior court ( DOCKET NO : XXXX ) they are doing what is known as Dual tracking and it is not only prohibited by the CFPB it is also illegal.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we have to take out wrong accounts from my credit report. Can you look at the papers? Some of the accounts listed have wrong info about what's owed and when it happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( 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 which i was not given.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Subject : Notice of Civil Liability for Negligent Noncompliance Under 15 U.S. Code 1681o To Whom It May Concern ; I am writing to formally address a matter of negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which holds entities civilly liable for failure to comply with the Act due to negligence. 
XXXX. Re : Account for XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX It has come to my attention that Experian failed to ensure the accuracy of my credit report, and did not properly investigate my disputes. 
This failure constitutes negligent noncompliance and has resulted in damages, including but not limited to [ list damages, e.g., financial harm, XXXX XXXX impact, emotional distress, lost opportunities ].

Under 15 U.S.C. 1681o, an entity that negligently violates the FCRA is liable for : Actual damages sustained as a result of the violation. 
XXXX ' fees and costs in successful legal actions. 
To resolve this matter amicably, I request that you correct the inaccurate information within 30 days. Failure to comply XXXX result in further legal action, including a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or a lawsuit to recover damages as permitted under federal law. 
Please respond to this notice in writing within XXXX of receipt. If you require any additional information to facilitate a resolution, do not hesitate to contact me at the details provided above. 
I look forward to your prompt attention to this matter. 
Sincerely, XXXX XXXX