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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Money transfer, virtual currency, or money service

I tried to dispute a lot of transactions on my account that I wasn't aware of but I want to talk to cash app and when I did my dispute they are already denied
Product: Credit card or prepaid card

The vanilla gift card I bought for my XXXX year olds birthday on the XXXX of XXXX at the XXXX. We put XXXX $ on it We opened it and went to activate it and use it and it said it was already used for XXXX $ but we paid for it at XXXX and it said it was used at XXXX that day online which it was only XXXX when it was paid for then the lady il me sorry man I can't help you and hung up on me. I called back and sat on the phone for 3 hours for her to tell me I'm sorry I can't help you call back another time. I was balling my eyes out by the end of the conversation I spent literally my last dollar on that card..they stole my XXXX year olds b day money. Unbelievable seconds after i bought it on the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my profile. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following accounts, be verified or removed immediately : Please investigate and remove completely from my credit report, Please investigate and delete from my credit 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 In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX SS # : XXXX
Product: Credit card or prepaid card

I have a credit card through Barclay Bank that I do not use often. I received an email in regard to my minimum payment being {$400.00} which is when I realized my card was used unauthorized by someone else. There were many transactions starting XX/XX/2021 and after that I was not present for, and did not authorize. I reported this to the bank in which they initially reversed the charges. The first rep I spoke with I explained the situation, and also requested a new card. They closed the investigation due to lack of proof or information. I called back after re-explaining what I had told the first rep, and offered to file a police report and write a letter in which she said I did not need to and they would re-open. I still to this day have not received my new card since requested in XXXX XXXX XXXX, nor have I received a letter about the investigation. The charges are still on my card, with no explanation on the investigation. I will not pay for unauthorized charges on my credit card, where I was not present. Please let me know how I can resolve this with the company.
Product: Debt collection

I transferred cell phone services and equipment to two other XXXX customers around XX/XX/XXXX. XXXX did transfer the services but around the Summer of XXXX, they charged me for equipment in the amount of {$490.00} and {$1700.00}. I explained to XXXX and they agreed the account was transferred to XXXX XXXX and XXXX XXXX. 

As of today, the amount for {$490.00} has been sent to a collection company XXXX XXXX that has placed that amount on my credit as the ONLY derogatory debt. The other charge of {$1700.00} is showing late on my credit report from XXXX. I have disputed these charges with the credit bureaus and they reappear. I need immediate help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX 1. XXXX XXXX XXXX  Account number XXXX 2. XXXX XXXX Account XXXX 3. XXXX Account number XXXX 4. XXXX XXXX XXXX  Account number XXXX 5. XXXX XXXX Account number XXXX 6. XXXX XXXX Account number XXXX 7. US DEP ED Account number XXXX 8. US DEP ED Account numberXXXX 9. USDOE/XXXX  Account number XXXX XXXX 1 XXXX XXXX XXXX XXXX Account number XXXX 2. XXXX XXXX Account number XXXX 3. U S DEPARTMENT OF ED Account number XXXX 4. U S DEPARTMENT OF ED Account number XXXX 5. U S DEPARTMENT OF ED Account number XXXX 6. US DEPARTMENT OF EDU Account number XXXX 7. US DEPARTMENT OF EDU Account number XXXX 8. US DEPARTMENT OF EDU Account number XXXX 9. US DEPARTMENT OF EDU Account number XXXX 10. US DEPT. OF EDUCATIO Account number XXXX 11. XXXX XXXX XXXX  Account number XXXX 12. XXXX XXXX XXXX Account number XXXX 13. XXXX XXXX XXXX Account number XXXX 14. - Account number XXXX Experian 1. XXXX XXXX Account # XXXX 2. XXXX XXXX  Account # XXXX 3. XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX 4. XXXX XXXX ACCOUNT # XXXX 5. XXXX XXXX Account # XXXX 6. XXXX XXXX XXXX  Account # XXXX xx 7. XXXX XXXX XXXX Account # XXXX XXXX  8. XXXX XXXX XXXX Account # XXXX
Product: Debt collection

On XXXX XXXX- opened a collection. 
Account -- NCB MANAGEMENT SERVICE {$8000.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute the actions taken by Experian regarding my identity theft case. I have requested that certain fraudulent items on my credit report be blocked as a result of identity theft, as allowed under the Fair Credit Reporting Act ( FCRA ). However, Experian has declined my request and is demanding additional documentation that I have already provided. 

The disputed items were placed on my credit report due to identity theft, and the documents provided were in line with the FCRA requirements for blocking such items. However, Experian has failed to block these items and instead sent me the following statements : Failure to Block Fraudulent Items : Experian stated that the identity theft report was not received by a law enforcement agency. I find this perplexing, as I have already provided a legitimate identity theft report filed with a federal, state, or local law enforcement agency, as required by the FCRA. They have failed to process the provided information properly and have made an erroneous claim about the validity of my identity theft report. 

Request for Further Documentation : Experian is now requesting additional validation of the report that was already filed with law enforcement, including a confirmation email, signed letter, or document from law enforcement personnel. I have already submitted all required documents, including a copy of my identification, a current utility bill, and a report with full details of the identity theft. 

Inconsistent Reporting Across Bureaus : I also noticed that the information provided by the credit bureaus is inconsistent. For example, the disputed items were correctly flagged by XXXX and XXXX, but Experian has failed to take the same action. This discrepancy raises concerns of potential identity theft or a procedural issue that requires immediate correction. 

I respectfully request that you investigate this matter further and assist in ensuring that Experian complies with the FCRA guidelines. I believe that the documents I have provided fully meet the legal requirements, and Experian should have taken action to block these fraudulent items immediately. If Experian continues to disregard the requirements of the FCRA, I ask for your help in ensuring that they correct their process and adhere to the law. 

Please advise on any additional steps I need to take, and I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act US BANKRUPTCY COURT XXXX XXXX ACCOUNT # XXXX & ACCOUNT # XXXX, have 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

1. COMMONWEALTH FINANCIAL SYSTEMS XXXX {$1200.00} 2.  COMMONWEALTH FINANCIAL SYSTEMS XXXX {$1200.00} 3.  COMMONWEALTH FINANCIAL SYSTEMS XXXX {$1100.00} The above creditor is advising I owe these debts which they reported to all three credit bureaus. I called the creditor numerous times to have them validate these debts since I am unaware of these accounts. They are unable to provide me any information regarding the provider, dates of service, confirm they are the owner of the debt etc. They are unable to prove these debts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute about an incorrect address to Equifax. It is an address from XXXX to a place that I have never even been to on the opposite side of the country. In fact I had never even visited this state until XXXX. Equifax agreed on XX/XX/XXXX, and said, " We have reviewed the former address. The results are : The disputed address has been deleted ''. Problem is we are now XX/XX/XXXX and the results have not been deleted from Equifax. 
I called In XXXX and they claimed it should be off by the next month because it can take 30 days. I have waited patiently for it to be removed. I checked today and it is still there. I called today and was told it can take 90 days. But I should probably start a new dispute even though I have a copy of a dispute saying is has been deleted! I asked to talk to a supervisor, but one was never available. After over 40 minutes on the phone I gave up.
Product: Checking or savings account

The overall issue is that my account would be debited and hit with overdraft chargers while the accounts were positive never negative.
Product: Credit reporting or other personal consumer reports

About XX/XX/2022 shortly after having a loan with Fay Servicing and Fay Financial Services I had issues with my payments being applied to my account and credit reporting 30 days late payment status, date opened, date of last activity, and date of last payment which are inaccurate with all 3 credit bureaus. 
Attached it shows how XXXX, XXXX, and XXXX are inconsistent with reported information among each other. I have never been late, and it should read Paid As Agreed/ Never late.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 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

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries. Please consider this letter as a formal request under the Fair Credit Reporting Act ( FCRA ) for a prompt and thorough investigation into this matter. Under the law, you are required to complete your investigation within 30 days, and I look forward to your swift response. 

collection/charge off 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

early XX/XX/XXXX received an offer from Discover to get a limited card to help rebuild my credit. Was told when making the application by phone that a deposit would be required initially, then some line of credit would be determined. Once the card are issued and used, after 6-12 billing cycles of good payment history, I would get that deposit back. 
After sending in deposit, I checked on the application. I then was told that NO actual credit over the deposit amount was approved. Because no actual credit was being issued it made more sense to just hang onto my money. 
I cancelled immediately right then - NEVER HAVING PHYSICALLY RECEIVED OR ACTIVATED A DISCOVER CARD I was told when I cancelled in late XX/XX/XXXX that the deposit was " expedited '' and would be received in about 10 days. I called on XX/XX/XXXX to check on a date I could expect that back and was told that nothing was done yet and they would THEN expedite the return of my money. This was the second time I was lied to about about the matter. 
I called AGAIN on XX/XX/XXXX to check and STILL nothing had been done and after speaking to a supervisor about my extreme inconvenience over this and they promised a call back within 72 hours. 
On XX/XX/XXXX I had not got any phone call - and had to make a FOURTH call to a manger in XXXX about this and was again given the same handful of thin apologies and told they would try to do whatever they can. This was now the fourth time I was lied to. 

I explained at that I had been given the run around to the point where I would never ever speak any good about my experience with Discover Card and would take my complaints to whomever would listen. I still have no idea when I will get my deposit back. So, I have been robbed.
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 confidentiality under 15 U.S.C 1681. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer reporting agency containing any of the following items of information, other than records of convictions of crimes with antedates the report by more than 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or have a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Creditor may not treat a payment on an account under an open end consumer plan as late for any purpose.
Product: Mortgage

My mortgage was bought by Shell Point Morgage servicer, a collection agency in XX/XX/2022. I had been on a forbearance program with my previous mortgage company due to the fact I contracted XXXX XXXX. Further medical complications due to XXXX left me XXXX and seeking further diagnostic testing and treatment. I could not reach Shellpoint to get information because they could not find me in the system explaining the transfer hadn't come through. When I finally did reach someone, I requested an extension on my forbearance. I then received a point of contact, XXXX XXXX, at Shell Point who informed me I was not eligible for an extension, and I would need to pay the arrearage and whatever fees were added to the pre closure status to get my account out of foreclosure. XXXX said she did not have that figure. She said it would take 5 days to receive that information. I did not receive a follow up call and emailed XXXX. XXXX did not respond with the information I requested to get the loan current. the following day, I received a call from XXXX XXXX on Wednesday, XXXX XXXX at approximately XXXXXXXX XXXX  who informed me I owed {$43000.00} to get the account current and out of foreclosure. I was informed increased fees were included in this figure. She gave me the wire transfer account and routing numbers. The following day on XX/XX/2022 at XXXXXXXX XXXX, I called XXXX with the bank representative present on speaker, handling the wire transfer. XXXX confirmed all account and routing numbers she previously provided, and the total amount of {$43000.00} to get the loan current. XXXX stated she would notify the foreclosure department of the wire transfer. Less than two hours later, at XXXX, XXXX XXXX XXXX me to inform me the amount to get my loan current has increased. To get my loan current those additional increased fees need to be paid or my account will remain in foreclosure. XXXX XXXX informed me my account remains in foreclosure and she would notify me the following day of those figures. I have yet to hear from XXXX XXXX. 
It is very clear Shell Point Mortgage is using abuse and extortion tactics to delay the process and keep my account in foreclosure proceedings, even after I paid the requested amount by the deadline date in which was confirmed verbally and by mail correspondence. I have exhausted all my resources and still in danger of losing my home due to these unethical business practices. I would greatly appreciate a follow up call and investigation into this matter, and any additional resources that can assist me in saving my home.
Product: Debt collection

I called after seeing this on my report. I spoke to someone and they could n't find any information in their system and seemed irritated that I was trying to figure out what the debt was. I asked them to remove this reporting from my report or provide all the documentation to me showing that what the debt is for and that it is mine and was never paid. They never sent anything but still continue to report it messing up my credit costing me lots of money because this debt was from XX/XX/XXXX and they are reporting a XXXX day late as of XX/XX/XXXX which from my research on the internet is completely illegal.
Product: Money transfer, virtual currency, or money service

I want to file a complaint because they close down my account, kept my money and did not let me re-open up my account. There was no customer service to help me with my issues on my card. No contact from their service or nothing. They did not have no customer service number. No one to contact them with my issues.