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

In your previous letter you state : As shown in the enclosed transaction history, you have been inconsistent in making timely payments. XXXX disagrees that the Fair Credit Reporting Act ( FCRA ) does not permit XXXX to report your account or the payment history for your account.

According to The United State Congress my consumer report should not contain information solely as to transactions or experience between the consumer and the person making the report. So once again I will ask, how can your company furnish any transactional history on my consumer report when the law clearly states that this is excluded from my consumer report? A payment history is a reflection of a transactional history, but if this information is excluded from my consumer report by law, how can you furnish a payment history or furnish a payment as late if this information is excluded? 
The FCRA under 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusion from a consumer report clearly states : ( 2 ) EXCLUSION- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681b-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; In your responding letter on XX/XX/2024, XXXX disagreed that your company failed to notify me of negative items being reported. You claim you have provided me with a notice of a monthly billing statement showing this negative information. 

In my response, I have not received any notice or any monthly billing statements from XXXX. I request that XXXX show me PROOF where I received these monthly statements that you are claiming you sent me. Can you show me PROOF where these monthly statements were delivered to my address. Can you provide me a tracking number showing these monthly statements were delivered to my address above prior to or no later than 30 days after furnishing negative information. I request Proof, and if you can not provide me with proof, I demand this account be removed from my consumer report. 

Any financial institution that regularly furnishes information to a nationwide consumer reporting agency must provide a notice to a consumer in writing prior to or no later than 30 days after furnishing negative information to such an agency. The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. I demand you show me PROOF where you sent me a notice prior to or no later than 30 days of furnishing negative items on my consumer reports. This is a clear violation of the FCRA.
Product: Debt collection

I made a purchase from Rayomour and Flanigan int he amount of {$10000.00} with {$0.00} interest for 72 month. at the 11 month I started getting interest rate, I called and I was informed that I need to go to the store where I purchased the furniture. I went there and spoke to Manger, which she was very rude and informed me that there is not such a thing of 72 month. Even the advertisement in the tv shows that interest free for 72 month.

I called the sales rep that I bought the furniture and she doe not work with the company any longer. ( wonde why ) she even told me that the contract was for 72 month. When I told the manager that, well she does not work here anymore.

She did not try to assist in any way, all she said is that I need to paid.

I really felt that customer services is very poor, and the people who work there really do not care about the customers.
Product: Credit reporting or other personal consumer reports

This company XXXXXXXX XXXX XXXX has been falsely reporting incorrect, false information on my credit reports for five years. I was an identity theft victim. This company was notified several times, they were informed about the unauthorized opened account. They closed the card, however closed the account as a charge off on my credit report. They were supposed to close the card and remove, they instead closed the account as a charge off unpaid as if they didn't know this was due to fraud, they have also sent a 1099 with no investigation. XXXXXXXX XXXX is falsely reporting errors on my report!!! 
I have sent them the required and relevant correspondence. They have received the police reports, the dispute forms, my identification, my disputes from the 3 bureaus of Transunion, XXXX, XXXX also notified them. The NY attorney General notified them, the CFPB has notified them, they are not investigating legally, they are continuing to report inaccuracies on my file. They are in violation of the F.C.R.A. 
XXXXXXXX XXXX IS ILLEGALLY REPORTING FALSE, INACCURATE INFORMATION OM MY PERSONAL CREDIT FILE. THEY WERE TO REMOVE AND DELETE THE ITEMSS ONCE THEY WERE NOTIFIED ABOUT THE FRAUDULENTLY OPENED ACCOUNT THAT WAS UNAUTHORIZED, THEY SAID THEY WILL CLOSE AND REMOVE THE ACCOUNT DUE TO FRAUD, EACH TIME THIS IS DISPUTED THEY PUT IT BACK. XXXXXXXX XXXX HAS NO INVESTIGATION PROCESS IN WHICH I AM LIABLE FOR THIS ACCOUNT. THIS HAS TO BE REMOVED FROM MY REPORT THEY ALSO WERE REPORTING TO AN ADDRESS I WASNT ASSOCIATED WITH, ONCE I GAVE THEM MY ADDRESS ( FOR PURPOSES OF THEM MAILING ME DOCUMENTS REGARDING THE DISPUTE, THEY CHOSE TO REPORT MY CURRENT ADDRESS ILLEGALLY, THEY HAVE NO ACCOUNT OPENED AT MY ADDRESS OR PERSONAL INFORMATION IN XXXX AT THE TIME OF THE FRAUD. NOTHING MATCHED BACKED TO ME IN THEIR INVESTIGATION.
Product: Debt collection

This company Pressler , Felt & Warshaw , LLP file a lawsuit against my person supposedly representing another company stating a wrong amount for the debt and or stating a debt I do not own Pressler , Felt & Warshaw , LLP. 

Pressler , Felt & Warshaw , LLP had not send me any documentation to prove they have the right to collect this sum of money or to sued me. 

For my surprise I check on the web and realize that Pressler , Felt & Warshaw , LLP is know for bad practice in collecting debs and or suing people, also for false representing another company and that's why Pressler , Felt & Warshaw , LLP have many complains against them true the CFPB and the XXXX
Product: Credit card or prepaid card

I used bestbuy credit card to buy some item, i made exchange in best on XXXX XXXX 2017 and Bestbuy agent said " you getting warning and i give you warning long with receipt after complete my exchange '' ( please play video it will show you true incident ). He didnt explain about the warning also he continue to work on exchange without giving warning receipt too. Item what i brought is not working properly and i went next day for exchange then i come to know about my returns are not accept upto 1 year. I try to work with corporate and bestbuy credit but no luck. 

Please look the time stamp on receipt there is no time difference between exchange and warning receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Department of Education- Loans were calculated incorrectly. Interest was added to my accounts because it appeared that I was not a XXXX student when in fact, I was. This was reported incorrectly. It dropped my credit score and started adding interest to my loans because of a mistake of the University.
Product: Debt collection

I owe this company a debt and they have my correct contact information on file, including my direct work extension. Today they contacted a work number that is not listed on my account and disclosed the reason for calling. This put the person answering the phone in a position to be harassed about a debt they do not owe. Calling my job in this manner also constitute personal harassment. I asked the person how they got the number they called and they stated that it was an automatic dial and that they did not dial the number. This should not be possible without some deliberate tactics. My main concern is calling another person who has nothing to do with the debt I owe and harassing them to speak with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this account on my credit report. It is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent these companies a certified letter, which highlighted federal laws in credit reporting. These companies are to not use XXXX party Data brokers to do their investigations for them. they are to have the original contract, or my signature to prove any debt is mine. If any debt, or information is incorrect it has to be removed. These companies are not following federal law in their investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on your report
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : Balance Owed : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$620.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} 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, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2012, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$70.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to keep comments about a dispute that never occured and continues to dispute my current student loan which I DID NOT DISPUTE NOW OR EVER!!!! I want those comments pertaining to a dispute removed and them to CEASE AND DESIST contacting my student loan lender! The account is with XXXX XXXX and on FOREBEARANCE! They recently sent me a report showing the comments again. I ran my report today and comments still remain! I knew they wouldn't correct an ERROR THEY MADE! If those comments are not removed and the actual status of my loan reported, I will send everything to civil court to file suit and will not warn or ask Equifax to correct this again. I'll sue for {>= $1,000,000} for the harm they've done over the years including, allowing my identity to be stolen for which my information is constantly being passed around on the dark web. I have the alerts I've received about that to include in the suit. Correct this to show my loan in forebearance or be sued! I won't hesitate or give you another opportunity to correct this. Consider this your last warning! Remove that XXXX & XXXX outdated inquiry too.
Product: Checking or savings account

I opened a savings account at XXXX XXXX XXXX. I linked from Ally to XXXX XXXX XXXX by way of using micro deposits. When the account was successfully linked, I then scheduled a external transfer of $ XXXX from Ally to XXXX XXXX XXXX. That first transfer went through without any issues. A day later I scheduled another transfer from Ally to XXXX XXXX XXXXk for $ XXXX. Ally blocked that transfer stating the following reason : " stopped for invalid account holder ''. 

Ally 's incompetence is costing me money by way of lost interest earnings. Ally is currently paying 1 % while XXXX XXXX XXXX is paying 1.61 % APY. Ally 's action has also resulted in my 1-day transfers being downgraded to 3-days further causing my loss of revenue due to delayed transfers. I am the valid account holder of XXXX XXXX XXXX, Ally approved the micro deposits to link the account, and also allowed the previous transfer. Why would now all of a sudden my external account be declared invalid? Ally has also suspended all transfers between my Ally accounts and XXXX XXXX XXXX without cause or reason.
Product: Student loan

Was XXXX XXXX loan, transfered to Navient, Now XXXX on my credit report, as Write off. When we call Navient to get it corrected, they have no record of the load. 
Killing my credit
Product: Credit card or prepaid card

On XX/XX/2020 I was at home and i relieved a text alert that someone was checking my balance on my card .Then they withdrew XXXX dollars before I could call the company .My card was used at an atm machine in another city 95 miles from where I live.and my card was in my wallet the whole time.i called to dispute the charges right away and the bank now refuses to give me my money back.i have since called the bank in the city where my money was withdrawn, I filed a police report and still the bank will not give me my unemployment back.i have had XXXX  XXXX  for overt 10 years and I have never had so many fraudulent charges over that time.I will be closing my account and moving somewhere else!
Product: Credit reporting or other personal consumer reports

In line with the Consumer Financial Protection Bureau ( CFPB ) guidelines, I have submitted the necessary documents : a photo ID, a utility bill, and a letter from an advocacy group supporting me due to XXXX XXXX debt bondage, which is covered under trafficking as per the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I respectfully request that this information be blocked from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided the required identification and documents from the list of acceptable items, with only two being necessary under the law. Furthermore, I have included a victim determination letter as required by 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. The accounts listed below are a result of identity theft. 

Identity Theft XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX Date of inquiry : XX/XX/XXXX Identity Theft EXETER FIN Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX Identity Theft XXXX XXXX Identity Theft XXXX / LEAD Identity Theft XXXX Identity Theft XXXX XXXX Identity Theft XXXX XXXX Identity Theft XXXX XXXX Identity Theft XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.SC. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Product: Debt collection

Since the end of XXXX and early XXXX I have periodically received notices of collection attempts from XXXX through various agencies. Each time I have disputed the information with XXXX, through the credit bureaus, and to the collection agency. The account which XXXX has sent to collections never belonged to me and they confirmed that. It is still unclear how my social security number was attached to the account in question but the name on the account and the address associated with it was entirely unrelated to me. 
While I did use XXXX 's services in the past, I have proof that all accounts were closed at my request and entirely paid in full. I have not used XXXX since XX/XX/XXXX/XX/XX/XXXX. 
The collection mark has been removed and then re-placed multiple times resulting in drastic swings in my credit score as well as causing me hours of repetitive work fighting to remove the derogatory mark off of my credit report. 

Please contact for further details and proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a debt validation from the credit companies for each account. ALL FOUR REQUESTS FOR VALIDATION MUST BE RETURNED in 30 days. I requested on or around XX/XX/XXXXXXXX XXXX XXXX XXXX As codified by federal law I requested : Debt validation- 1 ). Copy of the ORIGINAL CONTRACT with my SIGNATURE for the debt. 

2 ). FULL payment history from the original creditor 3 ). Need the name and address of the original creditor 4 ). Need proof that they now own Or have been assigned to collect the debt. 

Most companies sent the name and address of original creditor and the proof they have been assigned to collect the debt not NONE of the credit companies showed NO ACCOUNT WITH AN ORIGINAL CONTRACT WITH SIGNATURE OR A FULL ( not just a month or two ) HISTORY. 

As codified by federal law these accounts must be closed and must be removed as a Derogatory mark on my 3 credit reports. I gave contacts them to explain that they have not returned the full request as required by law and are refusing to close and remove remarks.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given consent to have my credit inquired and the following companies have violated a federal law called the Fair Credit Reporting Act ( FCRA ). I would like to challenge the validity of the following inquiries : 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

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. 


Account Name : XXXXXXXX XXXX  : Account Number : XXXX - {$21000.00} XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX - {$21000.00} - XXXX Account Name : XXXX XXXX XXXX - Account Number : {$21000.00} - XXXX Account Name : XXXX XXXX XXXX - Account Number : {$23000.00} - XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX - {$23000.00} -XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.