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

In the scenario you've described, it seems that there are serious issues with inaccurate reporting by the consumer reporting agencies. Here 's a revised version of the response that brings up the relevant USC codes, failure to provide proof on previous disputes, and includes an invoice for damages with a demand for payment within 30 days : Subject : Formal Complaint Regarding Inaccurate Reporting and Violations of Consumer Rights Dear [ Consumer Reporting Agency ], I am writing to address the ongoing inaccuracies in my credit reports and the violations of my consumer rights by your agency. Upon reviewing my consumer reports, I have identified multiple accounts that are inaccurately listed as charged off, namely accounts numbered XXXX, XXXX, and XXXX. This inaccurate reporting is in direct violation of several provisions outlined in the United States Code ( USC ).

Specifically, your agency 's actions are in violation of the following USC codes : 1. USC 15 1681 - Fair Credit Reporting Act ( FCRA ) : This federal law mandates that consumer reporting agencies maintain accurate and fair credit reporting practices.

2. USC 15 1692 - Fair Debt Collection Practices Act ( FDCPA ) : This law prohibits abusive, deceptive, and unfair debt collection practices by debt collectors.

3. USC 26 6050P - Requirement to File Form 1099-C : This section outlines the requirements for creditors to file Form 1099-C in cases of canceled debts.

Despite my previous disputes and requests for proof of the accuracy of the reported information, your agency has failed to provide the necessary documentation. This failure to comply with the FCRA and FDCPA is unacceptable and further compounds the inaccuracies in my credit reports.

Moreover, I have suffered significant damages as a result of these inaccurate reports, including but not limited to lost opportunities, increased interest rates, and mental distress. Therefore, I am attaching an invoice detailing the damages incurred, totaling [ Amount ] USD.

Per the provisions of the FCRA and FDCPA, I demand that your agency rectifies these inaccuracies and provides me with a corrected credit report within 30 days of receipt of this complaint. Additionally, I expect full payment of the damages outlined in the attached invoice within the same timeframe.

Failure to comply with these demands will leave me with no choice but to pursue legal action to enforce my rights under the aforementioned USC codes. I trust that your agency will take this matter seriously and act promptly to resolve these issues. 

Sincerely, XXXX XXXX
Product: Credit card

I requested a Care Credit account on XX/XX/year> and used it to take care of some medical bills. I started making the payments accordingly to the balance statement received every month. While checking XXXX balance I noticed an unreasonable high amount of interest charges for the amount of {$1800.00}. As I have always been on time with my payments, this was so outrageous as I never missed a payment. I contacted Care Credit customer service and they informed that the ''promotion '' was due and full amount needed to be paid at the end of the period and for this reason they are charging all this interest. I believe this is a financial exploitation as I was never told of such ''promotion '' and the account shows activities as Standard Purchases and mentions Expiration date> '' UNTIL PAID OFF ''. All this is misleading as I continue to make payments and never received a notification of any " promotion '' due date or ''pay full balance by due date ''. 

Please assist with guidance on this matter as I consider this practice misleading and put me at risk of compromising my credit history for a confusing credit practice performed by Care Credit.
Product: Credit reporting or other personal consumer reports

Experian is in violation of consumer laws by allowing XXXX XXXX  to report an unverified REINSTATED collections to my credit account. 

Experian did not make me XXXX XXXX, ( the consumer ) aware before allowing a reinstatement of an account that has already been noticed as ( Account Paid Satisfactorily ) and removed from my Experian report for that last 2 years. 

The original account holder is XXXX XXXX and was documented as ( Account Paid Satisfactorily ) and removed from my credit report back in the end of XX/XX/XXXX. 



XXXX XXXX Has no legal contract with my signature agreeing to do any type of business with them. They are violating consumer laws and need to be completely removed from my credit report ASAP. 

It has been brought to my attention that there is a lawsuit against Experian, by the CFPB for ( Shame investigation of credit reporting errors ) This is a clear notice that your negligence will cause penalty and compensation to the consumer ( XXXX ) XXXX XXXX if negligence is practiced with this investigation. 





XXXX XXXX Has also been made aware of the invalidity of alleged debt that they purchased from XXXX XXXX. 

Ive filed 10 plus CFBP complaints requesting XXXX XXXX  to provide proof of all alleged charges made with the secure credit card before closing in XX/XX/XXXX. Ive made clear in multiple CFBP complaints for XXXX  XXXX  to provide ONLY purchase transaction statement with the amount of each transaction and the name of the companies/merchants with location and date of charge. Theyve willfully ignored my request as show in attached documents speaking to monthly fees ( not relevant without proof of charge balance ) With every response they pretend as though theyve given me the information that Ive requested. Theyve even gone as far as to mark my disputes as duplicates and closing them out immediately. 

XXXX XXXX  You are being put on notice that you are in violation of consumer laws and will also be held accountable for damages if you choose to not remove yourself from reporting from all with the knowledge of XXXX XXXX  willful negligence to prevent full and valid information for this negative account. If this complaint is closed and your reporting from all is not removed, you will receive a list of consumer laws your in violation of and damages will be calculated in addition to this notice. Knowing XXXX XXXX allegations of charges without providing them and willful disregarding show your willingness in violation of consumer fair credit reporting. 
There is a list of collections companies that are no longer allowed to operate because of their willful violations of the consumer. Dont compromise your ability to stay in business over this shady accounts.
Product: Credit reporting or other personal consumer reports

I filed a CFPB complaint on TransUnion XX/XX/XXXX complaint number XXXX they responded using the USPS mail with a notice of accurate and verified, TransUnion is obligated by the FCRA to report accurate accounting. TransUnion does not have first hand knowledge to know if the account is true and factual, I the consumer has advised TransUnion the company XXXX XXXX has fraudulently took my non public personal information and created an account on my behalf without my consent the account in dispute is XXXX in the amount of XXXX that is identity theft I never signed a XXXX form through social security releasing my SSN to this company. This is a direct violation of my rights to privacy, Privacy Act of 1974 and Gramm-Leach-Bliley Act. The information that you are furnishing on my consumer report is not following the industry standard code, pursuant to 15 USC 1692a ( e ) Definitions of rules of construction, it clearly says you were suppose to interview neighbors, friends, or associates of the consumer reported on or with others with whom I am acquainted or who may have knowledge concerning any such items, it also says such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor. You have not provided me with the process you use to obtain that the account is accurate, you have not provided me with the signed disclosure forms that was suppose to be provided to me from the creditor before it was furnished on my consumer report pursuant to 15 USC 6802 additionally the credit reporting agencies must have a signed disclosure form from me giving written consent for your company to report this information, you are infringing on my right to privacy as well. The law clearly says that you are suppose to provide me with the procedures in the process of your reinvestigation and attach the signed disclosure forms from the creditor that I gave them consent to furnish my information and also the signed form from TransUnion that I gave written authorization for you to report this information. TransUnion have 15 days to provide me with the person they had spoken to, documentation used in the reinvestigation, signed application with my bona fide wet ink signature, the disclosure forms that I signed giving the creditor consent to have access and furnish my private information and additionally the form that I signed with TransUnion given consent to report my private information. I the consumer am not asking for an e-Oscar report. If TransUnion does not have documentation to show this account in fact is authorized by me the consumer, by law it must be removed. Said company is liable under Sec to follow certain rules TransUnion commission file number XXXX XXXX XXXX XXXX  as trustee I will be filing a XXXX treasury XXXX forms to audit I the consumers account, TransUnion is securitizing my data without my consent and refuse to provide a copy of my consumer credit file. Credit file not credit report.
Product: Debt collection

Harris and Harris is continuing to contact me about a debt ( XXXX ) owed by my insurance company to XXXX XXXX . We have had multiple conversations with all parties involved and the insurance company has agreed to pay XXXX and is working out some issues related to overbilling. Harris and Harris continues to call several times a week ( and sometimes several times a day ). They never leave a voicemail identifying themselves or why they are calling.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX  I contacted LexisNexis, XXXX, XXXX, and XXXX contesting the inclusion of an erroneous bankruptcy on my credit report. I was asking the agencies the method of their investigation. I received no response. According to 15usc 1681a- ( e ) " mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information ''. According to 15 usc 1681 ( a ) ( 4 ) - '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the COSUMER 'S RIGHT TO PRIVACY '' This also is an infringement upon my right to privacy. Also, according to 15 U.S. Code 1681b ( a ) ( 2 ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXXXXXX Balance : {$610.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive requested a 1099c form from XXXX XXXX XXXX XXXX XXXX so I can file the debt on my taxes they failed to provide me with a form so I asked did they file they wouldnt give me an answer and they are updating this balance as an open account in all 3 of the credit agencies XXXX equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft. Equifax,  XXXX , and   XXXX   refuse to remove fraudulent inquiries from my credit report and I am attaching  XXXX  copies of their responses to this complaint along with yet  XXXX  police report and notarized letter disputing the inquiries.   They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 secured credit cards with First Progress. After receiving a unsecured card from another credit provider I called First Progress and asked them to close these 2 accounts and refund what monies I had left in my savings after the accounts were closed. They stated that the deposits will be used to credit the amount owed on the cards, which I had no problem with that. I wasn't looking for a big refund since I had a balance on both cards. 
I just wanted the accounts closed! They said that it would be taken care of. So I waited for my refund, but instead I got a statement on both accounts that they were past due. So I was charged a late fee and I called right away to find out why these accounts were not closed as requested. They stated it takes 15 day to make sure no further charges came through. So they continued charging me late fees and if I recall I think they charged me a over the limit fee. I told them I was not going to pay late fees and these accounts should have been closed and my little refund sent to me. So since I told them I was not paying any late fees. They kept reporting my account late until they finally sent it to collections and wrote it off as a charge-off and continued reporting it to all the bureaus. These account were secured and they should have been closed as they were asked. Nope let 's charge him late fees/over limit fees and write it off as a charge-off.
Product: Credit card or prepaid card

I disputed 2 credit card charges : ( 1 ) a XXXX  charge fromXX/XX/XXXX in the amount of {$20.00} ( Case # XXXX ), and ( 2 ) a XXXX XXXX  charge from XX/XX/XXXX in the amount of {$31.00} ( Case # XXXX  ). I was able to submit the disputes online through the Barclays website. I received confirmation letters via USPS from Barclays regarding these disputes. For each dispute, I received 2 letters : one stating that they received my billing dispute and have referred my transaction to a dispute specialist ( and that resolution could take up to 45 days ), and a second letter stating that they had informed the company of the dispute and were placing a provisional credit on my account. After that, I never received a confirmation of the outcome of the dispute. Despite being able to file my dispute online, Barclays did not have the option of checking the dispute status online, so I resorted to calling the Disputes department on XX/XX/XXXX. However, it was not possible to get anyone on the phone in the Disputes department ( they just had a message stating Due to circumstances beyond our control, we are unable to take your call at this time ), so despite multiple attempts ( including directly dialing and being transferred to their department ) I could not speak with an agent in the Disputes department. I spoke with a customer service supervisor ( Guillermo ), who stated that he was able to see the disputes were closed as write off. I asked to receive written confirmation of the outcome of the dispute, and was told that he was unable to do so, and that I would still have to speak with the Disputes department directly. I finally was able to get a hold of the Disputes department on XX/XX/XXXX, and asked them to send me written confirmation of the outcome of the dispute, per the terms of the cardmember agreement ; however, I was told by the representative that they " didn't do that '', and that the previous letters I had received should serve as confirmation. I informed him that I was legally entitled to written confirmation of the outcome of the credit disputes, not just notification that the dispute had occurred, and the representative said he would work on it and have something sent to me. I received a letter dated XX/XX/XXXX ( Case # XXXX ) that stated they would " fully investigate my concern '' ; however, I was instead sent copies of the previously-received letters ( the ones stating that they had informed the company of the dispute and were placing a provisional credit on my account ). At this point, I have not received confirmation of the outcome of the aforementioned disputes, and the company has refused to send me confirmation when asked, going so far as to state that this is their official policy. Please assist with resolution of this issue, and apply any sanctions to the company as indicat
ed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  Account : XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX 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: Debt collection

On XXXX/17 I received an alert that a new collection was placed on my account. I called Midwest Recovery Systems. I informed them I never applied for a payday loan and I never received written notification of this debt from them. The customer service representative was rude and informed me that they did not have to give me written notification of anything. I have never done business with Midwest Recovery Systems. I do not have a signed contract with Midwest Recovery Systems. I have a right to demand that Midwest Recovery Systems furnish the signed contract between them and myself. This business did not give me written notice of the debt before placing it on my credit report with all three bureaus. Also this company is not licensed in the state of Tennessee. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 ( short title ) and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in Tenn without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank responded to my initial complaint stating that the account was charged off as of XX/XX/XXXX. Yet, it is reporting negative credit history on my credit report as if the account was just charged off this year. The credit bureau is reporting XXXX, yes, XXXX, charge offs. A charge off is a one-time occurrence unless a payment has been made to reset the time. By US Banks own account, no activity has occurred on the account in at least 4 years. And even then, the activity, according to US Bank, was payment activity, not use. The way US Bank is reporting keeps negative information on a credit file in perpetuity. That is not how the law works. If this was the case, the 7-year statute of limitations on negative credit history would be rendered meaningless. 

US Bank is actively reporting negative history on a credit card that its own records show was opened in XX/XX/XXXX and has no purchase history on it for nearly 7 years.
Product: Credit reporting or other personal consumer reports

I have requested Equifax to re-investigate a dispute pursuant to Bankruptcy : XXXX XXXX XXXX XXXX ( Reference Numbers : XXXX and XXXX ) with the reason for Dispute : My federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX section XXXX A and my right to privacy and XXXX U.S.C. XXXX Section XXXX A Section XXXX regarding a consumer reporting agency can not furnish an account without my written instructions. The response in Request Confirmation Number XXXX on XX/XX/XXXX was that it was VERIFIED BY XXXX XXXX. PRIOR to disputing this item with Equifax, I had requested a security freeze and request to cease and desist sharing of my personally identifiable information to not be shared as I have not given written consent for this to be shared with any credit reporting agencies. The security freeze for XXXX XXXX has been in place since XX/XX/XXXX and the XXXX XXXX suppression of information has been in place since XX/XX/XXXX. Equifax had NOT done a proper reinvestigation of the disputed items and as such, I filing this complaint to have these items REMOVED from my Equifax credit report pursuant to My federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX section XXXX A and my right to privacy and XXXX U.S.C. XXXX Section XXXX A Section XXXX regarding a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I bought merchandise at XXXX  's with my XXXX  's revolving account on approximately XX/XX/2018. I would normally receive an email to pay the bill at a certain time ( which we always paid promptly ). However on this occasion I never received a bill. So we forgot about it and by the time we figured out we owed a debt the charges went from what I paid for the merchandise, {$180.00} to {$340.00} ( penalties and interest ). I thought the penalties and interest was outrageous so I thought that since we had been a great customer all those years they would drop the penalties. But after a few calls to outsourced debt collectors, the effort to negotiate became futile. So to be fair I wrote them a letter and paid the {$180.00} with an additional {$17.00} in interest which I thought to be fair. They accepted the payment only as a partial payment and then continued to call me numerous times throughout the day and send bills in the mail. They still refuse to negotiate with me or even get away from their written responses. As a result, my credit rating has gone down and the family is afraid to answer the phone.