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

XXXX is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reported was fraud. said company had 4 days according to the LAW to remove such items. FTC Fraud report was filed on behalf of consumer, consumer is requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer Experian has 15 days to provide me with name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am not asking for a E-oscar report. If Experian does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. Experian commission file number XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX Experian is securitizing consumer data yet refuses to provide consumer a copy of their Consumer FILE not Consumer Report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is to re-open case No : XXXX American Express didn't explain the discrepancy of upgrade dates between their record and the date that is reasoned from the evidence I provided : I upgraded membership at XXXX and my upgraded card membership fee charged by American Express covers from XXXX. Evidently, American Express 's claim " the card was upgraded on XXXX '' is false and the false claim was resulted from their side of error on investigation ; also American Express can not provide any evidence that on XXXX I provided consent to the disclosure of the new card membership. Moreover, the promotional email was sent to me on date XXXX, which is after XXXX. Therefore, investigation conclusion from American Express has no grounds. 

Last but not least, the full description of the promotion in the email from American Express is below : " Good news, XXXX! You've been selected for an upgrade. As a Blue Cash Preferred Card Member, you can earn even more cash back on the purchases you make every day.

Spend just {$60.00} a week at U.S. supermarkets and you could earn over {$180.00} back per year. And, with this special offer, you can earn a {$250.00} statement credit after you spend {$2000.00} in purchases on your new Card in your first 3 months. Offer expires XX/XX/2018. '' The loose term 'New Card ' can not justify the method American Express was using to calculate 92 days ' period during their investigation on case No : XXXX. Evidently, from XXXX XXXX ( when new upgraded card membership starts ) to XXXX, my expense has met the expense requirement {$2000.00}. 

If American Express still insists on the same conclusion as in Case No.XXXX, I would like to request American Express to provide : 1. A copy of Consent and Disclosure I have signed and agreed regarding membership upgrade on the date XXXX. 
2. A copy of Evidence proving the definition of the term " New Card ''  is explained and included in the promotional email from American Express. 

Failing to provide the documents mentioned above can result in conviction of illegal behavior under FDIC law, regulations, related acts.
Product: Credit reporting or other personal consumer reports

NO PROOF OF INVESTIGATION ON XX/XX/year> THROUGH CFPB, EQUIFAX RESPONSE WAS VERIFIED FOR ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD PARTY AND CREDIT REPORTING AGENCIES.

ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT.

15usc 6801 Protection of Non- Public Information.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.

2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.

3. The financial institution giving me an explanation how to exercise the non-disclosure options.

15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT.

AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. 
THE XXXX AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION.

THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE.

HOW WAS THE INVESTIGATION CONDUCTED?

PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.
Product: Credit card

A capital one credit card was opened in my name XX/XX/year> and a balance of {$XXXX} was used under the card, also another credit card was opened XX/XX/year> where they used {$XXXX} on that card. Neither of these accounts are mine and I have disputed this with XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent mailed a letter about inaccurate/unfair information on my report. As per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), you HAD 30 days to complete your investigation, Since sending the letter more than 30 business days ago, you have failed to respond and honor my request. This is a violation. Therefore, I demand this account be REMOVED immediately before legal action is taken!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I filing this complaint regarding various inaccuracies on my credit report. At the beginning of this year, I reviewed my credit reports from all three major credit reporting agencies and discovered several inaccuracies concerning multiply accounts. These inaccuracies included, incorrect reporting dates, two year payment history, different open dates, account statuses and incorrect dates that they were last verified. I even have some accounts that are stating that they are closed and the other credit reporting agency is stating that is open. I don't know how that would be possible. These inaccuracies demonstrate a failure to meet the standards of the Fair Credit Reporting Act. Under 15 U.S.C 1681 e ( b ) it states that consumer reporting agencies are REQUIRED to follow reasonable procedures to ensure maximum accuracy of information in consumer reports. I have attached my latest letters to the XXXX so that maybe you can help me understand whats going on. In these letters I have screen shot the inaccuracies across the board. I would also like to know how Experian is verifying this information. What procedures are they using to verify this information. When they are calling the credit company that has placed this on my credit, what procedures are they following. Whom are they speaking with? I think I have a right to know.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness. 
2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information. 
4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information. 
Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. 
Below are the errors I have identified : XXXX XXXX  XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Student loan

The final post discharge monitoring form for year 3 of the monitoring period was emailed to XXXX on XX/XX/2020. Please provide confirmation that this no income information was received and processed on the form. Also, confirmation that I have now completed the 3 year post discharge monitoring period. 

Proof the completed form is attached.
Product: Credit reporting or other personal consumer reports

In disdain of multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft.I am pleased to request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you verify the documents? Some of the stated accounts are erroneous in terms of reporting.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2021 XXXX was removed from my checking account from money loin- I didnt authorize this transaction. I called my bank to get the money reversed they where unable to return but gave me the transaction info regarding money lion. I have reached out to money lion twice a week for a month saying that they cant find the ticket that was created and forwarded to the fraud department- they said someone would contact me in 4 business days its been a month and no one has reached out to me and I have called them twice a week for a month with several people telling me there is no ticket to support my fraud claim.
Product: Credit reporting

Experian is reporting a collection on my credit report with XXXX that should not be on my report. Account Number XXXX should not be on there as the other XXXX bureaus deleted them from my credit report. I have contacted XXXX that the {$590.00} that they are claiming that I owe XXXX has not been validated by the FDCPA.
Product: Vehicle loan or lease

I bought my truck in XXXX of XXXX. I provided the insurance to the dealership as you always have to to be able to drive off the lot. My truck stayed for a week to get some repairs. I am being charged with LDW fee for that month. I was being charged an LDW fee for 26 other months but have shown all my declarations to get them finally taken off after I have been reaching out since XXXX of XXXX vis email and no one who respond. I got a statement in the mail on XX/XX/XXXX for my last payments. It said I owed XXXX. That was with the 26 months of LDW fees at XXXX each. I paid on the XXXX of XXXX XXXX because according to my credit report that's what I owed. I sent more emails and got nothing from them. Well I got a call on the XXXX of XX/XX/XXXX and she was telling me I owed XXXX I asked her why I was recieving the LDW fee when I have had insurance on my vehicle the whole time I have owned it. She told me to prove it. So i did on all but the first month I had the vehicle. She the said I still owe money from when they repoed my vehicle on XX/XX/XXXX. I then told her that my contract stated that my I had to be 15 days late to put a repo order out and I was only 2 days late when they repoed it. That the manager at the time told me that the repo fee was waived as they took it with no rights too. It was paid in full by XX/XX/XXXX. My bill was due on XX/XX/XXXX. I have screenshots showing that I was only 4 days late when I paid the bill. I was left without a vehicle for 4 days because they took it. They have now called me today to tell me that I owe XXXX and I need to pay that to get my title. According to my statement on XX/XX/XXXX I owed XXXX. I paid XXXX to them on XX/XX/XXXX and now paid them XXXX today XX/XX/XXXX. From my statement I have overpaid. They seem to keep adding more fees and not willing to send me a statement and nothing is available to see on my online account with them. They send me emails but wont respond to me at all. Most of the time they wont let me record the phone calls so I can have proof of things. If I tell them I wont let them record me because they dont save anything they tell me they won't talk to me. They send me one thing in writing and another thing on the phone. I have spoken with XXXX XXXX on XX/XX/XXXX and XXXX. Today I spoke with XXXX XXXX who would not transfer me to her supervisor. She told me to text him or email him my stuff and I have. His name is Mr. XXXX. I have emailed both of them all the breakdowns and showing proof that they repoed my vehicle being 2 days late. I am at a stand still with them because they seem to add more money to my account and I keep paying what they say and then they wont send my title. They wont out anything in writing and I just cant trust them.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report.

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT.

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for a payment I sent to the wrong person it was supposed to be to my mom for a payment for a vehicle for XXXX and I sent it to the wrong person her contact was registered under that phone but she sold phone to a person on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid and closed late XXXX they are still showing up and reporting a balance each month as of XXXX. Although the balance is XXXX I do not have an open account with XXXX  XXXX and they confirmed inside of the customer service center that it was closed in XXXX. I have disputed this also with XXXX  and they stated the information was correct. This reporting information is not true.
Product: Credit reporting or other personal consumer reports

There is incorrect information on my credit report. My Equifax credit report is reporting a collection on my report from XXXX XXXX XXXX XXXX XXXX which is indeed not my collection. Its does not report on XXXX or XXXX at all and would like this collection removed. It is not accurate. I disputed this with Equifax plenty of times with no resolution. 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In gonerallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannol be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Paid off my car in XXXX with Citizens Bank. I have yet to recieve a release form so I can go to Secretary of State. I called XX/XX/XXXX and again XX/XX/XXXX. I've also called today. The first call in XXXX said they would mail a title. The call in XXXX said based off my state that's impossible and that it would take 10 to 14 days. Now it's XXXX and still no release of title form.