23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Formal Notice of Violations and Request for Remediation Dear Midland Credit, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Midland Credit has handled my credit information. It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX. 

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section XXXX XXXX XXXX XXXX XXXX  XXXX ). 

Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. Additionally, I want to make it clear that any action taken by Midland Credit besides deleting the collection will be considered willful non-compliance. I am invoking my rights under XXXX XXXX Code XXXX ( XXXX ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action. 

Moreover, I insist on Midland Credit providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section XXXX ( a ) ( XXXX ) ( A ). 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX reported a collections account involving medical debt in the sum of {$1600.00} originating from an account dating to XX/XX/XXXX. 

I have contacted consumer adjustment co at XXXX to no avail. It is my understanding that the reporting of medical debt to a credit reporting agency is prohibited as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am a natural person and consumer. I am writing this complaint because I am a victim of identity theft. XXXX and Experian unlawfully furnish my information without my written consent. My personal right to privacy has been abused and violated under the XXXX XXXX XXXX act of 1999. These violations have compromise my non public personal information and resulted in my identity theft. I demand all accounts listed below be removed in next 7 business day as stated under law. XXXX XXXX XXXX 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

By the provisions of the Fair Credit Reporting Act, I am submitting this request that the following Accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXXhe following accounts are listed below : US DEPT ED XXXX Balance Owed : {$6300.00} US DEPT ED XXXX Balance Owed : {$4800.00} US DEPT ED  XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4400.00} US DEPT ED XXXX Balance Owed : {$3700.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$11000.00} US DEPT ED XXXX Balance Owed : {$5400.00} US DEPT ED XXXX Balance Owed : {$7400.00} DEPTEDXXXX XXXX Balance Owed : $
Product: Debt collection

A third party obtained an alleged debt owed but I have no knowledge of this company
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Equifax, XXXX. XXXX, Equifax, XXXX has violated my consumer rights and violated federal law. There have been Many attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Checking or savings account

Every time I had to pay the car insurance, I didn't get the payment, many times I complained because the account was negative and I put the money before XXXX XXXXXXXX XXXX and they still charged their charge for XXXX dollars unfairly. On repeated occasions, he deposited the check and it became effective three days later.
Product: Checking or savings account

I am a member at capital one and it has been 2 days and every member still hasnt received there deposited checks. Not even pending deposit, I need my money as I no longer have lights in my house because of there mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to Experian to ensure compliance on 4 items on my credit report. On XX/XX/XXXX I received a response stating the items were updated or remains. On XX/XX/XXXX I mailed a request to Experian asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Today XXXX XX/XX/XXXX ) I received new " dispute results '' from Experian just stating the items remain or were updated so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Experian did not comply with this request within the time frame allotted they need to delete the disputed accounts.
Product: Credit reporting or other personal consumer reports

RE : XX/XX/XXXXBlock Request To Whom It May Concern, I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 

ACCOUNTS : XX/XX/XXXX - {$13000.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$740.00} INQUIRIES : XX/XX/XXXXPlease block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax over 10 times, trying to gain access to my personal credit account and to place a security freeze on my personal account. Each time I contact Equifax they advise me to send proof of my SSN, name and date of birth. I have provided this information over and over. Over 6 months ago, I just want access to my personal credit account and I need a security freeze placed immediately to avoid fraud. because my account is blocked at the equifax.com website they will not allow me to submit the request to freeze my credit
Product: Checking or savings account

ATM card fraud. {$2400.00} was fraudulently taken from my US Bank account. After filing several complaints, hours on the phone, and being told in writing the fraudulent funds would be credited back to my account within 10 days, it has not happened. It has been more than 20 business days and emails are not returned.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I disputed account through all three bureaus as they re reporting a debt on credit report that I do not recall having. I disputed this debt asking the bureaus to verify or delete immediately, more than 30 days have passed and I have not heard back. Dispute letter was sent via mail with a certified and return label and seems like all three bureaus got the dispute but decided to not response to it.
Product: Credit reporting or other personal consumer reports

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

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ; 15 U.S.C? & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File No. 2025- CFPB- 0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. I want reported account removed XXXX XXXX XXXX  account XXXX and XXXX XXXX account XXXX which was paid off in full being reported as late payments.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year>XXXX  Current Address : XXXX XXXX XXXX XXXX Florida XXXX XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Debt collection

I cancelled a recurring payment with XXXX on XX/XX/XXXX and never received a confirmation of cancellation. I reached out to the merchant to confirm that night and they said that they found no record of my account and that it was cancelled. When I tried to search for the transaction the next month on my online credit card statement I didnt find it, but realized much later that I was still being charged with a variation of the name on my credit card. After discovering the charge had continued and given the previous phone attempt had failed to cancel the account, I visited a XXXX retail store in person on XX/XX/XXXX where they confirmed that there had been zero activity for the duration of that time, but they would not or could not correct any charges there or via XXXX customer support. I was told the account was closed and no balance was due. They instead said if I wished to pursue a refund, I needed to dispute the charges directly with my credit card company, which I did. 

I received no further communication from the company or their agents until XX/XX/XXXX, at which point I received a notice labeled as a " Final Bill '' dated XX/XX/XXXX stating I had 10 days to pay the balance owed before the account would be referred to collections. The very next day, I received a collections notice from XXXX  XXXX dated XX/XX/XXXX, indicating the account had already been referred to collections and I didnt have 10 days to pay. XXXX refused to discuss the notice, account, or debt when contacted. XXXX XXXX was notified that the debt was disputed on XX/XX/XXXX. 

Shortly after, I received another notice from XXXX, a different collection agency, stating that my card would be charged again automatically on XX/XX/XXXX, the original amount ( {$180.00} ) plus a series of fees ( {$140.00} ), including a {$35.00} fee on a {$0.00} transaction disputed. It was also disputed immediately via phone, but as with previous contacts, outside of the initial notices, I have received no further communication. 

On XX/XX/XXXX, I received a new notice from a new collection agency Amsher Collections services that {$200.00} was still owed. At which point, I promptly sent them a notice via email that this is disputed and has been disputed previously. 

While this started with a dispute over {$180.00} with XXXX and subsequently with the credit card company over charges for a service that was not provided, those fees are no longer even in dispute as they were not refunded to me. Yet I have still been contacted by collections agencies over the course of a year for amounts above and beyond the original amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XXXX XXXX XXXX 2017 about a count the revolving and reporting open when it was closed and paid in full also on XXXX I tried to dispute the name XXXX XXXX XXXX
Product: Consumer Loan

Acct # XXXX XXXX balance was paid. Inaccurate balance being reported.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax and XXXX continue to report a bankruptcy on my credit report, which I believe to be inaccurate. I disputed this entry with both bureaus, and they verified the information as accurate during the legally mandated 30-day investigation period. However, they failed to provide sufficient documentation to substantiate their findings, and their investigation results claim that the information was verified through U.S. court records. When I contacted the court directly, I was informed that the court does not provide such information to credit reporting agencies. 

Legal Violations : Failure to Verify Within 30 Days : Under the Fair Credit Reporting Act ( FCRA ) ( 611 ( a ) ( 1 ) ), credit bureaus are required to complete a reinvestigation of disputed information within 30 days of receiving the dispute. If the information can not be verified within this time frame, the FCRA obligates the credit bureau to delete the disputed item from the consumers credit report. Equifax and XXXX failed to meet this requirement, as they did not verify the bankruptcy with a valid source, and instead relied on unverifiable or incorrect information. 

Reasonable Investigation Standard : The FCRA ( 611 ( a ) ( 1 ) ( A ) ) also mandates that credit bureaus conduct a reasonable investigation when a consumer disputes information. By claiming that the bankruptcy was verified through court records, which the court itself has confirmed it does not provide to credit bureaus, Equifax and XXXX failed to meet this standard. This constitutes a violation of their legal obligation to ensure the accuracy of reported information. 

Inconsistent Reporting Across Bureaus : XXXX conducted its own investigation of the same bankruptcy entry and removed it from my credit report. This discrepancy demonstrates a lack of consistency in how the XXXX major credit bureaus handle the same information and further calls into question the thoroughness and validity of Equifax and XXXX verification processes. 

Harm Caused : Equifax and XXXX continued reporting of this unverified and inaccurate bankruptcy entry is causing me significant harm, including damage to my credit profile and lost financial opportunities. Their refusal to remove the entry, despite failing to verify it properly and within the legally required time frame, is unfair, harmful, and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized accounts, as well as erroneous reporting of Information on my Credit report. Someone has stolen my identity! As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX : - XXXX  XXXX, XXXX. XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Reference # : XXXX. I have read that as the Credit Reporting Agencies, you are required by law to remove any accounts and information that resulted due to identity theft, so please do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX and XXXX  was paid in full in XX/XX/2019. They both had removed the fraud and wrongful information off credit report but now placed this same fraud and wrongful information back onto my credit report Im an XXXX XXXX XXXX XXXX war veteran that needs to buy a new home and this wrongful information is preventing me from buy a new home that will accommodate my war XXXX Please take appropriate actions against these to companies for malicious fraud actions these companies have taken in putting this fraud information back onto my credit report
Product: Checking or savings account

On XX/XX/XXXX Bank of America charged my personal account two amounts indicated as legal fees in the amount of {$120.00} and {$95.00} respectively without my authorization. The {$120.00} was charged to my account on behalf of XXXX XXXX XXXX, XXXX, a debt collection company in order to have a hold on my account and the {$95.00} was charged for releasing the hold. I find this to be illegal and exploitative to me as a customer when Bank of America cordinates witha debt collector to defraud a customer. These withdrawals put my account with a - {$150.00} and therefore led to the closure of the account on XX/XX/XXXX. 

Then Bank of America proceded to report my details to he bank credit reporting agency - XXXX  with a negative comment for Account Abuse of which i am convinced they had participated in themselves.
Product: Credit reporting or other personal consumer reports

I'm writing because too many have I reached out to the XXXX Credit Bureau XXXX XXXX, and TransUnion to be specific in regards to the inaccuracy of information being recorded and reported! 

So, I currently learning of these other databases that they all use! XXXX XXXXXXXX, XXXX AND XXXX THERE INFO IS NOT UPDATED, OLD AND THEY AREN'T CURRENT, PLUS, not really how they received updates. I'm simply applauded to see the lack of record keeping here from all XXXX here! So, when purchasing a car the XXXX databases are reporting outdated information, never current plus painting me in a bad negative light! 

I decided definitely to request a total wash-out of both hard and soft inquiries due to the unfair treatment of costing me a higher interest rate and principal, not to mention higher car payments, not to mention unable to save money! I'm super disappointed and disgusted in my founding! Especially, after XXXX cars in a roll. First, the XXXX XXXX XXXX now the XXXX XXXX XXXX, both XXXX they both should not be on the road. On the based of 15 USC 1861c and Section 623 and 609 XXXX XXXX  application XXXX dated XX/XX/XXXX XXXXXXXX XXXX ... and others