23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, 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 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. 2. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.Delete these accounts DEPTEDXXXX  Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 


DEPTEDXXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
I contacted XXXX and how is it that they dont have a contract with me but the information they have is an address that i never lived at and a name that is not an exact match to my name.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I attempted opening an account with XXXX XXXX  I was made aware that my application was declined because they are unable to verify my IDENTITY as required by the USA PATRIOT Act of 2001. This I believe, is linked to the other individual who has used my Social security Number to open accounts at different financial institutions. I'm requesting that XXXX XXXX do due diligence to investigate. I'm ready to provide any form of documentation to help with investigation. Furthermore, I've created a Federal Trade Commission Identity Report. Also, I've requested a CONSUMER DISCLOSURE REPORT from XXXX stating I'm a victim of identity theft, results came in that my SSN was matched with someone else and an investigation was set up. In the next 3 days, I received the result of the completed investigation, confirming that the SSN in question belongs to me and my file with XXXX has been cleared of the other individual 's information. In addition, I've placed a freeze and a security alert on my file at XXXX. This is in addition to the freeze and fraud alert I've placed on all my files with the 3 credit bureaus- XXXX XXXX XXXX XXXX AND XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX Balance : {$430.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported that all of my child support has been paid in full and that debt has been satisfied. XXXX XXXX and Equifax is still reflecting old information and they are refusing to let me dispute the information. THESE ACCOUNTS ARE PAID IN FULL AND SETTLED
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX I filed CFPB complaint XXXX. In it I outlined how I was subjected disparate treatment and housing discrimination as a result of BetterNOIs decision engine which management companies/landlords use to approve or deny an applicant for an apartment. BetterNOI responded shortly thereafter claiming the issue did not belong them, despite it being BetterNOI proprietary algorthms that tell management companies/landlords whether or not to approve an applicant as a renter. The original complaint is attached, as is a copy of the complaint I have just filed with DOJ for XXXX and XXXX  discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX Equifax Information Services LLC XXXX all shall be fined {$100000.00} ( PER VIOLATION ) under Federal Law Gramm-Leach-Bliley Act for noncompliance. All party ( s ) mentioned above shall be fined and imprisoned for 5 years for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aggravated identity theft against XXXX XXXX. 

I, XXXX XXXX, HEREBY cancel any consent of XXXX XXXX XXXX of furnishing my nonpublic personal information as dated XX/XX/2022 and I am demanding all party ( s ) mentioned above to remove the account XXXX from my Consumer Report immediately and if all person ( s ) mentioned fails to comply for any reason will be prosecuted and fined for Identity Theft, and {$100000.00} ( Per violation ). I do not give any lawful consent to all persons mentioned above to furnish and transfer my nonpublic personal information y all party ( s ) be fined without further ado with prejudice!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

second time am attaching my FTC ID and SS, I am responding to Experian from my original complaint attached is
Product: Bank account or service

My employer direct deposited my payroll check on XXXX XXXX, 2015 on my Rushcardand some of my money is still not available to me. It automated phone is telling me my last deposit was on Thursday, XXXX XXXX, 2015. I work very hard for my money and I 'm XXXX, I need my money to pay for my medications which the pharmacy deducts from my Rushcard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and I show inaccruate payment information to home loan account XXXX account number XXXX. This account has always been paid on time as agreed and never late. I have contacted creditor and credit bureaus to advised that no such late payments have been made. I am having trouble with send in dispute to have this updated for review.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX {$53.00} XXXX XXXX {$930.00} XXXX  XXXX. {$510.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} Inquires to be removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX ( Bank )
Product: Payday loan

On XXXX/XXXX/15 I applied for a payday loan with Ace Cash Express online. The online application asked for basic information about my employment work history etc. After filling out this page i hit submit and a page came up saying a rep will contact you to verify your information. Four hours later i received a call form the rep who instructed me i had to call my bank on 3 way to verify information. After this phone call the rep said i would have my funds withing 24 hours. During this process i never saw or agreed to the terms they set forth. I never signed or revived a TRUTH IN LENDING disclosures. When I called to speak to a manager he indicated I had already signed the documents. I said if i did sign the document i would like to receive a copy showing my signature and he said he can not provide that to me. By law i should receive and have signed the disclosure and ace cash advance did not show me or provide me this document and still proceeded with the loan under terms i was unaware of.
Product: Debt collection

On XX/XX/scrub>XXXX XXXX, 2024 Continental credit control based in XXXX XXXX CA contacted me with a phone call at XXXX PT
Product: Checking or savings account

I was a victim of fraud with XXXX regarding another bank but instead of asking me they closed my accounts and did not send me my fundsthat were remained. I went into the bank with my police report but was turned away.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX Accounts below violated my rights. 15. U.S.C. 1681 Section 602 A states that I have the right to privacy. 15. U.S.C 1681 Section 604 A section 2- Consumer Report Agency can not furnish an account without my written instructions. I have sent several request to remove inaccurate information and these account. Letters and documentation such as FTC was sent on XXXX, XXXX, XXXX, XXXX, XXXX,. Accounts below : XXXX. XXXX XXXX - Account # XXXX, and Account # XXXX XXXX. XXXX XXXX XXXX ( original creditor : XXXX ) - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXX - Account # XXXX XXXX. XXXXXXXX XXXX - Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX XXXX - Account # XXXX, Account # XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX I am writing to formally file a complaint against Midland Credit Management ( Midland ) for its unlawful and inaccurate credit reporting practices. Midland has been illegally reporting a debt to the credit bureaus that it allegedly purchased fromXX/XX/XXXXXXXX, in violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ).

Midland is reporting a debt that is unverifiable, inaccurate, and may be time-barred under the applicable statute of limitations. Furthermore, they have failed to provide proper validation of this debt upon request, as required under 15 U.S.C. 1692g of the FDCPA. Additionally, their actions constitute continued furnishing of disputed and unverified information to the credit reporting agencies, which is a direct violation of 15 U.S.C. 1681s-2 ( b ) of the FCRA.

I have previously disputed this debt with both Midland and the credit reporting agencies, yet Midland has continued to report inaccurate information, thereby harming my creditworthiness. If Midland can not legally verify or substantiate the accuracy of this debt, they must cease reporting it immediately, as per FCRA guidelines.

Given Midland 's pattern of unlawful credit reporting, I am requesting the CFPB to investigate this matter and take appropriate enforcement action against Midland for their non-compliance with federal consumer protection laws. Additionally, I seek the immediate deletion of this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ) and demand that Midland cease all collection efforts on this alleged debt.

If necessary, I am prepared to pursue legal action against Midland Credit Management for willful noncompliance under 15 U.S.C. 1681n of the FCRA, which allows for statutory damages, punitive damages, and attorney 's fees.

I appreciate the CFPB 's prompt attention to this serious matter. Please provide me with a written response regarding the steps taken to address my complaint. You may contact me at the information provided above should you require any further details. 

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

Experian credit bureau is being un-fair in their request for a credit freeze in order to get members to sign up for monthly payments! I was a payed customer in Experian for credit monitoring. For paying customers, they offer a Credit Lock, which is more or less the same as a credit freeze. After I cancel my payed account the Credit Lock was cancel and so I wanted to put a credit freeze on my account. Although I was a credit monitoring service member and Experian has all my information and verified my identity ( as part of a new member procedure ) every time I tried to place a credit freeze on my credit I get the message we were unable to process your request please submit your request by mail. This is completely unfair! They have all my information! I am able to log in as a member, I am able to pay {$9.00} a month to put a Credit lock on my account in one step but have no way to put a Credit Freeze on through my account! otherwise how will they sell the Credit Lock? In all the other companies ( XXXX and XXXX ) I was able to put a freeze in one step with no trouble, only Experian are using an unfair tactics to gain paying customers!
Product: Credit reporting or other personal consumer reports

hello so i had paid of my car in XXXX XXXX XXXX for {$4200.00} and the balance remains on my XXXX XXXX regardless of the account being closed i would like it removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 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 XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

The company has claimed to be from a law firm and states that I am currently being sued. I have tried to set up payment via these phone calls with this company previously and only one payment went through, it was cancelled on their end and the harassing phone calls continued. They do not call my cell phone. They call my mother and harass her by telling her they have all of her private information such as her social security number and all previous addresses. We have asked to resolve this and stop the harassing phone calls with no success. The amount owed is less than {$500.00} and it is on a credit card from 3-4 years ago.
Product: Consumer Loan

I took out a loan with Ace cash express for {$2500.00} and agreed to pay biweekly payments of {$270.00}. I made enough payments to have paid off the {$2500.00} but of course with the interest in was being charged I was barely paying towards the principal. I felt into a financial issues and could n't afford to pay the biweekly payments set at {$270.00} and so I contacted them to set up arrangements to continue to pay them. I asked them to stop and or discontinue any automatic payments from my bank account and yet they continued to go into my account despite my request. When I called them can supervisor XXXX stated that the representative failed to document such request but that anyways I had an obligation either them and they could and had the right to go into my account to get the money. This upset me tremendously because I felt as if my rights as a consumer were being disrespect just because I felt into a hardship and could n't pay. Please help xoxo they call me 5 times a day and I am XXXX and they have continously continue to harass me.
Product: Debt collection

I filed XXXX  XXXX Bankruptcy in the XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
The discharge was finalized XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX filed small claims suit against me. They never once served me and they didn't even file the paperwork in the XXXX XXXX. This is harassment and defamation. They are in violation of bankruptcy code SECTION XXXX and FDCPA collection Practices multiple violations. You can not collect on a debt that has been XXXX. This's illegal. My lawyer sent them a cease and desist letter. this information is all over the internet. it is false.
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 : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXXCal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started my investigation on XX/XX/XXXX- I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given and not notified within 5 days. I have not heard back from you in over 30 days since my formal written notice of disputed dated XX/XX/ and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting or other personal consumer reports

Equifax has violated the fair debt collection practices act, as well as the telephone consumer protection act