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

I recently checked my credit report and discovered a lot of billing errors. Under U.S. Code 1666 ( b ), the creditor 's failure to properly reflect a statement, the debtor 's payments, or a credit extended to the debtor is a violation. A creditor 's computation error or other accounting error on a statement There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and was considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX  XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$19000.00}
Product: Credit card

Barclays credit card on XX/XX/2023 that I opened a XXXX credit card which goes through them. I had purchased two airline tickets. These airlines were XXXX and XXXX. I have never flown with either of theses airlines. And after contacting theses airlines. I was informed by both airlines that several ( More than two ) tickets and or reservations had taken place under my name and also another person, XXXX XXXX. No tickets were used and a few of them had been cancelled. Both these airlines, XXXX and XXXX have credit card that has their airline logo on them but, the card is a Barclays credit card. XXXX was the company that issued the card that was used to pay the XXXX airlines. XXXX has it's own credit card that also has their logo but, the card is actually a Barclays credit card. I had contacted XXXX that redirected me to the airlines which they had redirected me to Barclays. Barclays has sent me a letter on XX/XX/2023 stating that I am responsible for the {$350.00} debt. I contacted them and they said they will investigate for the third time. I faxed over my conversations that the airlines had sent about cancellations. I explained how I never flew with either airlines. I also brought up the other person that the airlines had listed, XXXX XXXX. And since I never made these purchases and don't know a XXXX XXXX also that I never received the credit card that was in questioned. Also never cancelled the card the day that it was opened. The only information I have heard from Barclays over the phone is that they have recordings. So I asked if they could send me a transaction of these recordings. I know I did no such thing but at least I would want to see what I was told I said. Sincerely XXXX XXXX. Thank You. the number for Barclays I have is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I mailed a dispute letter to Experian requesting an investigation into several inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To date, I have not received any response from Experian regarding the results of this investigation. 

According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any item in their file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Experian has violated my consumer rights by failing to conduct a reasonable investigation upon receiving my dispute, as required by the FCRA. 

I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to ensure that Experian fulfills its legal obligations and provides the necessary investigation results promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have not been able to get the free credit report from XXXX XXXX XXXX, that is supposed to be the portal for such. When requesting it for download, it links us to an Equifax page that ask for my last four and from there it goes to a page that indicated that it is not available for downloading, which is very different from the other two credit bureaus, and it also indicates that I need to send it various documents to an address and it list what is required. 

I've attached a screenshot of the page that restricts further access and ask for documents.
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  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights XXXX Or a 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the hard inquiries that appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2019, I discovered a inaccurate collection being reported to all three of my credit reports. On XX/XX/2019 XXXX  had fixed and corrected the problem with their investigation. XXXX  and Equifax had failed to fix or correct the problem. Ive sent both credit companies documents and requested numerous of investigations since then. XXXX has been very hard to get a hold of to submit documentation and requests for investigations. Most of the time, Ive had to use their sister organizations with XXXX XXXX and XXXX XXXX just to request an investigation. Both their partners dont accept documentation. Equifax is available to submit investigations and documentation but they fail to look into the relevant information. They are both reporting XXXX/XXXX  collection in the amount of XXXX dollars. XXXX had sent a letter stating that no collection exists in my name. Ive sent this information to both credit agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear DEPT OF EDUCATIONXXXX I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Original Creditor : DEPT OF EDUCATION * Amount : {$1200.00} & XXXX * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, 1 have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt.

I kindly request the following actions : 1. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations.

2. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW 1. US DEPARTMENT OF EDUXXXX {$2000.00} 2. US DEPARTMENT OF EDUXXXX XXXX {$1200.00} Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong Accounts are the same and reporting from different companies & different prices thats double jeopardy & invalid pricing NEED TO BE REMOVED FROM CREDIT REPORT ASAP 4 different accounts reporting same matter but different prices and different payments
Product: Checking or savings account

I am filing a complaint with the CFB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. this situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank You.
Product: Student loan

My loan is in the process of being transferred to another lender and Navient reported my credit 90 days late and its effecting my credit with other creditors for example XXXX. I have paid them and they are showing me in forbearance and the account is going to be transferred to another lender. XXXX requesting the lates be removed. They forced me into this payment option as they started reporting me late. They wanted over {$2400.00} a month which I could not afford with rent and other expenses. The XX/XX/year> day delinquency and their unwillingness to provide an affordable repayment has caused me harm.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information XXXX  XXXX XXXX of {$1200.00} from XXXX XXXX XXXX is incorrect and should be deleted from my credit report. This matter has been resolved in court. Please see attached documents.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B it is illegal to report information on my credit report without my permission. Please remove this from my credit report, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results
Product: Credit card or prepaid card

In accordance with the fair credit reporting act, TD BANK USA/TARGETCREDIT # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 usc 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

16 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Checking or savings account

On Saturday XX/XX/18 I called the Arvest customer service line and spoke with a representative to stop payment on an unauthorized {$560.00} charge I saw listed in my pending transactions. I was told the payment would be stopped and I would be charged {$30.00} for a stop payment fee. The unauthorized {$560.00} charge was then paid out of my account the following Monday after I was charged the stop payment fee. I called the Arvest customer service line back and was refunded the {$30.00} stop payment fee. I filed a dispute with that customer service agent for the unauthorized charge, but did not receive provisional credit back for the unauthorized amount paid ( {$560.00} ). I went to my local bank branch ( XXXX XXXX XXXX, Arkansas ) to ask for provisional credit until the amount is refunded. I was told that this isn't my fault, but there is nothing they can do to help me- it is out of their control. I asked them specifically about Reg E, and they said they do not know what Reg E is. In the mean time, I have a negative bank account balance and no money for food or gas until I get paid again on 10/5, and I have been charged {$51.00} in NSF fees.
Product: Debt collection

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Credit Systems on XX/XX/2022 and I have no recollection of doing any business with Credit Systems. I am in the process of contacting Credit Systems but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Product: Credit card

Subject : Follow-up Complaint Regarding Bank of America Account Closure and Forfeiture of Rewards Points - COMPLAINT ID XXXX Dear Consumer Financial Protection Bureau , This letter serves as a follow-up to my initial complaint filed on [ XX/XX/year> ], regarding the closure of my Bank of America account, and XXXX XXXX XXXX my rewards points. 
As previously stated, Bank of America closed my account on XX/XX/year> and confiscated my [ Approximate XXXX ] rewards points. 
According to the information I received from the CFPB, Bank of America responded to my complaint approximately 60 days after its submission. In their response to the CFPB, Bank of America indicated that they would contact me directly to resolve this issue. 
However, despite this promise, over XXXX month has passed, and I have not received any communication from Bank of America. This lack of response is unacceptable and demonstrates a failure to uphold their commitment to resolving my complaint. 
I am deeply concerned about the following : * Failure to Follow Through : Bank of America has not honored their promise to contact me, despite their communication with the CFPB. 
* Continued Lack of Resolution : My initial complaint remains unresolved, and I am still without my rightfully earned rewards points.

* Lack of Communication : The delay and lack of communication from Bank of America creates a sense of disregard for my consumer rights.

I request that the CFPB take the following actions : * Demand that Bank of America immediately contact me to address my complaint. 
* Request a detailed explanation from Bank of America regarding the reasons for their failure to contact me as promised. 
* Continue to investigate this matter and ensure that Bank of America adheres to fair and transparent practices. 
* Request a copy of the response that Bank of America sent to the CFPB. 
I have retained copies of my previous correspondence with the CFPB and any related documentation. 
Thank you for your continued attention to this urgent matter. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX CIC credit on my XXXX report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CIC CREDIT To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX
Product: Credit reporting or other personal consumer reports

CREDIT ONE XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX ACCT # Account info Account number XXXX Open/closed Closed Date opened XX/XX/year> Account type Credit card I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected .I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. Credit One Card services received numerous correspondences to correct or delete Delete this account from my file immediately for inaccuracy
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :