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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 XXXX credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These XXXX Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

A faked number response from a bank criminal was submitted to insult and injure. This particular person even used an old address where he and his line recorded accomplices did it before.
Product: Debt collection

I change car insurance in XX/XX/XXXX. I got a call from the former insurance company after I change insurance stating I owe a payment from XX/XX/XXXX. Which is not true! I paid my insurance up until I switch to the other insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a auto loan with XXXX XXXX XXXX THEY ARE REPORTING MY ACCOUNT AS ( DISCHARGED THROUGH BANKRUPTCY / CHAPTER XXXX THIS WAS NOT INCLUDED IN THE BANKRUPTCY. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT REFLECT A NEGATIVE MARK TIL 2025. THIS WAS ALWAYS PAID ON TIME TIL THIS DATE. THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint regarding unauthorized inquiries on my credit report that I did not make. I have asked Experian and XXXX  to investigate and delete the following unauthorized inquiries : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any others are okay and were authorized, Please delete the ones listed as unauthorized. I also have requested that Experian remove XXXX XXXX XXXX from my report. It was removed previously through XXXX  and XXXX   because the debt was unable to be validated with a contract and signature. So Experian needs to follow suit under FCRA reporting laws.
Product: Debt collection

until this day, I have not received a response from the company what the debt is regarding. The company is now in violation of fcra. They have caused financial injury and are not following approporitate guidelines.The company can follow back with the cfbp, however, if they can not respond to the customer directly, they are send account back to the original creditor. This debt collector exacaerbates the matter on a daily basis. This is also a government  XXXX  and this is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX # XXXX # XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not done a legal and thorough investigation into their errors in reporting. They really have failed the American people. I really would like them to send you or show you the certified and validated motorized report from their data furnisher. They initially claimed that XXXX was their data furnisher nad I contacted XXXX who later assured me that the information they have can not be verified, validated and so they were removing it. Why would XXXX  want to hold onto the reports just to continue disadvantaging me? This issue has not been resolved thus, must not be closed. The investigation is incomplete.
Product: Payday loan, title loan, or personal loan

The load is suppose to be cancelled, but now they claim there is still a balance. When ask on how they made their calculation, they refuse to provide any information.
Product: Credit reporting or other personal consumer reports

Request for proof of the charge off from XXXX  XXXX Account Number XXXX was never provided. 

First, the charge-off is continuing to report late payments even though the debt was charged off and is no longer owed to the original creditor. According to the Fair Credit Reporting Act ( FCRA ), once an account is charged off, the original creditor should no longer report additional late payments. Reporting late payments after a charge-off is both inaccurate and misleading. 

Second, I have noticed that the information being reported about this charge-off varies across the three major credit bureaus ( XXXX, XXXX, and TransUnion ) XXXX Each bureau is reporting different details regarding the account status, date of charge-off, and payment history. These inconsistencies further demonstrate that the information on my credit report is inaccurate and must be corrected to ensure compliance with the FCRA. 

I am requesting that you investigate this matter and take the necessary steps to correct the inaccuracies. Please update my credit file to reflect accurate information or remove the erroneous charge-off reporting entirely. I expect confirmation of your investigation and any changes made within the 30-day time frame mandated by law.
Product: Debt collection

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. After recently obtaining a copy of my consumer report I became aware that Medical Data Systems XXXX inc. is reporting an " alleged '' debt to my consumer report. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting verification but I am requesting for VALIDATION and PROOF OF CLAIM. I request that their office provide me with evidence that I am obligated to pay them. Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ; 15 USC 1681 ). You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. Medical Data Systems , Inc. received all documents and supporting evidence of my complaint through the mail on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : Collection Receivables I Account Number : There was is no account number It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting

My dispute with Transunion is improper credit information. I settled an account with a lender for less than the original amount. The account is closed and paid in full. However Transunion has XXXX account in collection. the account was paid there is no collection. I believe it should say, account closed settlement for less than the original amount. That was the banks decision to settle with me. When a bank settles that is essentially a new contract. The credit reporting agency should not have the right to list an account as in collection if the bank settles on a different amount and the account is closed. I believe all accounts that are settled for the less than the full amount should not be a negative thing for a consumer. If the consumer in good faith paid what he could and the bank agreed on a new term to close then its closed. These types of settlements should not remain on a credit report as collections of negative for seven years.
Product: Payday loan, title loan, personal loan, or advance loan

Ive made a complaint against them before. We agreed to a payoff which I kept and paid off, only to discover they have been continuing to take automatic payments from my bank account which I would never have known if they didnt send me an automatic payment reminder. I want it to stop immediately, will call my bank as well, but I also want those payments refunded to me from XX/XX/year> {$170.00} every 2 weeks, plus pain and stress caused by doing corrupt bad business!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect information that is on my credit report. Which relates to late/missed payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX  Monthly Payments Sunoco/CBNA XX/XX/XXXX $ XXXX  Monthly Payments XXXX XXXX XXXX XX/XX/XXXX {$62.00} Minimum monthly payment
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I received my stimulus check of {$1400.00} I cashed the check through PayPal I sent a photo ID from the XXXX XXXX New York XXXX with a picture of myself alive picture shot I was able to take out {$700.00} after taking out the {$700.00} PayPal put up a message saying that I was not able to use the account for 180 days or take my money out I am a person that has mental health issues XXXX I live in a shelter this money is important to me for me to travel for me to get food for me to obtain daily items I have XXXX as well and panic attacks this has caused me a lot of stress I've had XXXX XXXX in the last week alone due to this. I have not committed any fraud or anything wrong so I don't not understand why they withholding my money especially at a time like this my email is XXXX. they have withheld my money I've called them to no avail for over a month already I need my money released so I can pay for medication and food can you please email me back or try to help me resolve this issue thank you very much for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$630.00} ; Medical XXXX Balance : {$930.00} ; XXXX XXXXXXXX Balance : {$890.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$610.00} ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act 15 U.S.C 1681 Section 616 ( A ) ( 1 ) ( A ) Civil Liability for willful noncompliance {$1000.00} per violation Section 623 ( A ) ( 1 ) ( A ) Reporting information with actual knowledge of errors Section 623 ( B ) ( 1 ) Reporting information after notice and confirmation of errors Section 611 ( 2 ) ( A ) Procedure in case of disputed accuracy Section 611 ( 5 ) ( A ) Treatment of inaccurate or unverifiable information 15 U.S.C SECTION 1666b. Timing of payments ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


I sent in a dispute to Transunion for XXXX XXXX child support account # XXXX because after pulling my credit report I instantly recognized incorrect information. Transunion stated they VERIFIED the Information as accurate I have highlighted all in accuracies. FIRST Violation.Date opened is incorrect XX/XX/2015 is not the correct date. SECOND VIOLATION. Balance owed is not $ XXXXTHIRD VIOLATION Date of last activity is also incorrect XXXX.FOURTH VIOLATION.. Last payment is also incorrect you're reporting a last payment date of XXXX FIFTH VIOLATION..payment amount is also incorrect it is not $ XXXXSIXTH VIOLATION.. you're also reporting late payments on my credit report which is also against the law ... ..After doing my own investigations I have enclosed supporting documents of verifiable correct information.. side by side views of 3-Bureau credit reports. correct balances and last payment... please pay {$1000.00} per violations due to your inaccurate reporting I have higher insurance premiums, unsuccessful job applications, security deposits for utilities.. please pay and delete. Transunion has violated multiple laws when it comes to an account on my credit report.
Product: Debt collection

Company in question ( Credit Ninja ) is claiming I have a debt with them for a loan that I did not request nor receive ( sometime in 2020 ). I assume this is as a result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report.
Product: Debt collection

I am filing this complaint to dispute certain debts that are inaccurately reporting on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have requested validation of these debts, as they do not belong to me. 
Details of Complaint : The debts listed on my credit report are not mine. 
Under 15 U.S.C. 1692g ( FDCPA ), I have the right to request that the debt collector provide written validation of the debt, including the original creditors name, the amount of the debt, and proof that I am legally responsible for the debt. 
Additionally, under 15 U.S.C. 1681i ( FCRA ), I have the right to dispute inaccurate information on my credit report, and the credit reporting agencies are required to investigate and correct any inaccurate information within 30 days. 
The debt collectors have not provided sufficient documentation to prove that these debts are valid or that I am responsible for them. 
Reporting inaccurate or unverifiable debts is a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and complete information in consumer reports. 
Requested Resolution : 1. I request that the CFPB investigate this matter and direct the credit reporting agencies to remove the disputed debts from my credit report unless the debt collectors can provide : o A signed contract or agreement proving that I am responsible for the debt. 
o A complete payment history, including the original creditors name and address. 
o Proof of assignment or transfer of the debt ( if applicable ). 
2. If the debt collectors are unable to provide this documentation, the debt should be permanently removed from my credit report, as required under 15 U.S.C. 1681i.

3. I also request that the CFPB ensure that the credit reporting agencies and debt collectors comply with all provisions of the FCRA and FDCPA moving forward to prevent further inaccurate reporting. 
I appreciate your attention to this matter and expect a resolution within the legally required time frame.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns withe the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Consumer Loan

I called United Auto Credit attempting to make a partial payment in the amount of {$120.00} on my brother 's vehicle loan. United Auto Credit told me that they do n't accept partial payments. I asked the representative why they do n't accept partial payments and they said it was " policy. '' United Auto Credit apparently only accepts full payment or no payment at all. This is done to either collect the whole amount or add excessive fees and costs if one ca n't make the whole payment. United Auto Credit is engaging in unfair business practices by not accepting partial payments on accounts. United Auto Credit preys on people who have low credit scores and charges a high interest rate to those people in their loans. In addition, by not accepting partial payments United Auto Credit ensures that the interest amount that is added to the accounts stays higher than it would normally would if they accepted partial payments.