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

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and XXXX ) and several creditor companies. Over the past XXXX months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA. These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of fraudulent Black market activity on my credit, all XXXX bureaus have put a one year Fraud alert on my credit. I have never lived at any of these addresses below that's showing on my credit report XXXX XXXX XXXX, XXXX, CA  XXXX XX/XX/2018 XXXX XXXX XXXX XXXX, XXXX, VA  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" Experian reported 10 points loss in my XXXX credit score from XX/XX/2020 to XX/XX/2020 without ANY reason.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

credit inquiries on my credit report that do not belong to me
Product: Debt collection

Hello, I got a copy of my credit report showing a collections with this company, XXXX XXXX XXXX in the amount of {$210.00}. I sent out a validation letter to this company on XXXX requesting validation as it falls under the FCRA. ( validation is a lease or contract signed by me ) I have yet to receive any of this. 

I'm now requesting you step in and demand this and if they can not provide it. Please delete from my credit report.
Product: Credit card

We contacted Barclays for assistance in accessing our XXXX account who they acquired several years ago. The goal is to access college savings in the XXXX account. My old email is connected to that account which I no longer have access to. Barclays instructed us to file a support request on line at XXXX for assistance with account access since they no do no have the ability to directly contact XXXX or provide access assistance to the XXXX account. We have filed multiple on line requests over the past 60 days for assistance and have not received any response. By not responding, BarclaysXXXX is withholding access to funds that are legally ours and we would like your assistance in gaining acress to our funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought my car for {$15000.00} from XXXX with a loan from Exeter Finance,  XXXX of XXXX. I made payments on time until XXXX of XXXX, when my car was stolen. I was not aware that I was to be responsible for payments until my insurance paid out. I spoke with Exeter Finance multiple times over the course of 4 months and not one time was I advised to make a payment nor was I advised my account was nearing " charge-off '' status. I never received any sort of communication from Exeter until after my account had been " charged off '' which was after my insurance had made their pay out and i had an insurance deficiency balance of {$630.00}. I never had any intention of dodging payments made to them, I simply did not know how much money I owed them nor did they communicate the fact that I needed to make a payment when I talked to them. There was one point, I called to get information on the remaining balance after insurance would pay out. I was told there would be a $ XXXX balance, which GAP and refunded warranties still hadn't paid out ; however, I was not told that my account was being charged off nor was I told I needed to make a payment. On XX/XX/XXXX, 2 weeks after receiving the notice of deficiency balance, I made a payment of {$150.00}. This was when I discovered the account had been charged off, so I called to ask about it. The call center associate, XXXX, was rude and spoke to me like I was stupid, she acted like she didn't care about my situation and refused to transfer me to a manager. I hung up and called back, this time I was connected to a manager. As I explained the situation, I also explained that it is not good business practice to not communicate with your customers when they are going through such a confusing process such as a claims process. He didn't show any compassion or care whatsoever about what I was saying.
Product: Credit reporting or other personal consumer reports

I have repeatedly tried to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized this information to be associated with my name, as I have been a victim of identity theft.
Product: Payday loan, title loan, or personal loan

On XX/XX/20 justice Finance in XXXX XXXX tx disclosed my account information to someone who is not authorized on my account the company refuses to stop and calls my references and let them know my payments and account details and calls another office asking about me when my account is current
Product: Credit reporting, credit repair services, or other personal consumer reports

Upgrade Inc remove hard inquiries from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't understand why I have XXXX XXXX XXXX XXXX XXXX. All of these charges were negotiated with insurance and we agreed that these charges were incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed a copy of my credit report and seen accounts that are fraudulent and does not belong to me. The accounts need to be deleted from my credit report immediately. This is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : BEST BUY/CBNA  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Credit card or prepaid card

On XX/XX/2019 I set up automatic payments for {$500.00} via TD Bank 's web page which did not process on the due date XX/XX/XXXX as stated. www.onlineaccessplus.com/TDBank/Login.htm. On XX/XX/2019, I noticed the amount was still in my bank account and TD Bank applied {$27.00} late fee to my account. I spoke with a representative at TD Bank and they stated that since the amount was more than the minimum payment, it was unrecognized, so it is set to process in XX/XX/XXXX. She said they would reverse the late fee. I do not trust their payment system, hence I had to call in the payment to be sure it post for the current cycle. They have no problem accessing late fees in a expedited timely manner but they delay payments up to 3 days. This is not good business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times explaining that the account that they are listing for XXXX XXXX and the inquires for are all fraud. I have not received any merchandise or applied for XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX I was told to provide a FTC report which I have sent several time & they say they didn't get it. I have attached this information to this complaint as well. Please delete this information
Product: Credit reporting, credit repair services, or other personal consumer reports

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I recieved a credit " Notice of Collection '' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX My ID Number is XXXX. Total Balance Due is {$480.00}. It comes from Parking Tickets ( Illegal Parking? ) in XXXX. I informed the Credit Agency that this is not my car. They need to do a Title search and find out who owns the car. This was generated by the XXXX XXXX XXXX XXXX. I have attempted to contact them with the same information, that it is not my car, that I have never driven that car in XXXX, that I live on XXXX XXXX approx. 65 miles from XXXX. That they need to find out who is driving the car, and hopefully have some video evidence showing who parked that car illegally or legally. 

I told them that they are harassing me but they continue to send letters and ask for money. I informed them that I am on Medicaid, that I am XXXX XXXX XXXX, unemployed because I was attacked by a XXXX XXXX XXXX ( the XXXX XXXX refuses to investigate my claims ), and again, I HAVE NEVER DRIVEN THAT CAR, IN XXXX OR ELSEWHERE.
Product: Credit reporting or other personal consumer reports

The problem with Affim is their marketing ; the credit was market as a CFA but turned out that they reported as a XXXX  which causes the age of my credit to drop accordingly which reduces my credit score dramatically.

No other reason for credit denial was given by other creditors. 

You MUST stop this deception
Product: Vehicle loan or lease

I volunteer to surrender the car and it had gap on the vehicle.They decided to cancel it without my approval and when i called they said o well not are problem
Product: Credit reporting or other personal consumer reports

Back in XX/XX/2023 I've sent out a follow up dispute dispute to Transunion regarding an account that's reporting inaccurately on my consumer report. Transunion responded that this information was verified and accurate in which still today XX/XX/2023 there are multiple inaccuracies reporting. I firmly believe that it is their duty to fully investigate a consumer 's dispute and provide fair and equitable results. If they investigated this account how is there still inaccuracies reporting? This account reports to all XXXX major reporting agencies which all have different information reporting which violates XXXX XXXX XXXX XXXX- Congressional findings and statement of purpose. The payment history that Transunion is reporting is different than what XXXX and XXXX is reporting in which they all should be the same which is a billing error. I asked Transunion to provide all of the documents thats verified this account and nowhere in the agreement with the creditor was there an option for me to opt out of this information being shared with anybody in which according XXXX XXXX Code XXXX - Obligations with respect to disclosures of personal information, subsection ( b ) Opt out, I have a right to exercise that non disclosure option. I am requesting to exercise my option to opt out of this information being reported to anyone. They are not being compliant by reporting inaccurate information even after sending in multiple dispute letters and responding to me " Verified ''. I never gave Transunion the consent to furnish a consumer report of me containing my personal information nor did I give them permission to share my information with anybody. Included in this complaint is a copy of my follow up dispute letter, my final dispute letter, a copy of my consumer report with the account disputed. 



Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors
Product: Credit card or prepaid card

I called Bank of America about an XXXX  refund fraud the day it posted to my account on XX/XX/XXXX. There was a {$1500.00} charge on my account labeled XXXX  Refund- which originally was initiated on XX/XX/XXXX. I originally thought there had been some error in making a payment and would see this reflected as a credit to my checking account, yet I couldn't find it. 

Upon calling Bank of America the day the fraudulent transaction posted, XX/XX/XXXX, representatives were initially confused. The second lady I spoke with stated that this isn't fraud and that she would transfer me to someone who knew how to explain it, even after I told her the {$1500.00} was missing from my checking despite showing as a balance on my credit card. I was transferred to Card Services who stated right away that this was fraud and that they had notes saying there was a suspicious caller previously who had requested the payout and even gave me the bank account number the money was sent to. I was befuddled as to how someone random could call into my account and request payment outside of my account. I'm not sure if they spoofed my cell phone number, had parts of my identity, or if Bank of America was just inept in this department. After 2 months of this case dragging on, pure ineptitude seems to be my leading theory. 

This was no genius mastermind attack. They simply called Bank of America, asked for a refund to a completely different unassociated account, and Bank of America sent it. In the interim, my credit card doesn't automatically let me report/dispute this transaction due to the nature of the transaction. This means the system automatically charges interest on a fraudulent charge as well. Luckily, I have the capital to pay off this fraudulent charge ; however the extreme irony of Bank of America effectively lending {$1500.00} from me interest free isn't lost. I should expect this returned to me at 14.99 % compounding interest if I'm following the same rules they give me. 

I was given a case number of XXXX. XXXX weeks passed in XXXX and then entire month of XXXX with not a single update. The online system doesn't even register the complaint the way it usually would. There's nothing to even show I am claiming fraud on their website like a normal dispute would. I called Saturday XX/XX/XXXX and after holding and transferring agents that day couldn't even confirm there was an active case since the active fraud cases department only works during the weekdays. Finally, today XX/XX/XXXX, the XXXX person I was transferred to was finally able to confirm that the case was under review. I was told that the initial two billing cycle deadline, the latest I was originally told this could take, hadn't passed yet and to wait for that. I am filing this report in anticipation of that deadline passing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquire performed without my consent. 
Actions taken : Contacted credit XXXX would not remove inquire Filed dispute Froze credit account Reported fraud to credit agency Provided statement to credit agency Contacted company performed hard inquire citizen bank Reported to their research department File complaint No resolution hard inquire still listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax they continue to report a balance on closed account They failed to provide verification of accounts which could not be verified also by the reporting company XXXX XXXX reopened and account status that was once reported closed, they continue to do so and reset the statue of limitations which is against the law. They continue to report account verified that could not be verified by the reporting company XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Over the past XXXX years Ive been disputing my credit report on Experian collections gets removed and then collections gets put back on my credit report through another collection agency. I am still currently disputing those collections,
Product: Student loan

In the wake of the most recent lawsuits against the lender XXXX and their unethical dealings with their customers/borrowers, I have realized that I have had a similar experience with my own lender ( Fedloan Servicing ). I was assigned Fedloan Servicing/myfedloan.org as my lender who immediately gave me a higher rate than what I had expected but I made do with these payments. However, Their rate/payments have continued to rise based on the default plan I was given. As a former student working XXXX jobs and making under {$30000.00} a year, their payment prices are much too high and so this last year I requested an IBR ( income-based repayment plan ), not once but twice, instead of again use the forbearance that they continually grant. I have submitted numerous web and paper based documents to no response. Upon calling and emailing on their paperless system, I was only given the answers that either " my packet was lost '' ( though reached the destination based on mail tracking ) or that I " must have buried them in paperwork ''. I was later told that I was denied on the first one I applied for based on them lacking paperwork ( that I had submitted but was lost? ). What I am simply asking for are just answers and information as to my IBR status and my eligibility. I thought it beneficial to ask an outside agency if this is something that should take several months or if I should be worried as to how hard this process has been. 

Thank you very much!
Product: Debt or credit management

My credit score was mishandled by Experian or a imposter there of. My current score is not my previous before this misunderstanding etc. I dont know how my identity has been manipulated via web. My previous credit score was over XXXX.
Product: Money transfer, virtual currency, or money service

I have been scammed by someone pretending as a motorcycle seller on this website XXXX XXXX XXXXXXXX XXXXXXXX Providing phone number for customers to contact him via XXXX, I had contact him to buy XXXX motorcycle, he tell me that the complete price is XXXX $ then we have agreed to pay to him XXXX $ XXXX, than I got to bank to make the transaction XXXX $ wire transfer to him bank account The bank { Bank name : Bank of America ( Boa XXXX XXXX : XXXX XXXX Acct number XXXX Routine number : XXXX Wire ( Checking account ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX United States Amount : XXXX XXXX ( upfront deposit ) } the name is XXXX XXXX and he call me via XXXX that was man voice I have all XXXX  conversation with him ( his phone number XXXX ( XXXX ) XXXX ) I hope I hear from you soon as possible. 

Also I know that his bank is ( Bank Of American ), My Bank is ( XXXX XXXX  ) Also Im already got to both banks XXXX XXXX told me that they cant cancel the transaction more than XXXX minutes that already done, Bank of American that I cant report in the bank.