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

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative inquiries which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

Optimum Outcomes, Inc, keeps calling me and stating I owe them money! I have instructed them I do NOT owe them or their client, because I have NEVER even heard of their client. They now call me 2 or 3 times per day and when I say I am going to sue the XXXX out of you if you do n't stop calling and harassing me, they hang up and then they begin calling again the next day! I am SICK AND TIRED of these brassiness harassing calls DO SOMETHING! YOU are the government agency so DO SOMETHING TODAY! They are rude, arrogant and full of XXXX! Get rid of these people today!
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent Inquiries on my Transunion and XXXX credit report : XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX Inquiry date XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction XXXX on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following late payment information that is incorrect error supplied to TransUnion. I know for a fact all my payments where made on time I have circled the items Im disputing the attached copy of my credit report This payment from XX/XX/2019 account number XXXX is inaccurate I was never late on this payment I am requesting that Transunion have the payment change to correct the information. Account was payed off full and no late payments Enclosed are copies of my credit report supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them or correct the disputed item as soon as possible. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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 In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) 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 In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) 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 In accordance with the Fair Credit Reporting act XXXX 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
Product: Checking or savings account

Distributions from XXXX to my XXXX at Suntrust going through transition to TRUIST, are inaccurate and do not agree with 1099r forms submitted by XXXX. Also, Suntrust merged my checking and XXXX account without my permission. They supposedly do not have records from XXXX to XXXX but I have records. 

Some of the checking disbursements can not be verified. 

Customer service does not exist. Even if someone answers a phone which is rare, they provide no assistance. There are many XXXX  complaints about the bank from BBT and Suntrust customers who merged with TRUIST. When they complete the transition by XX/XX/XXXX, the former records will not be available and it would be a travestry. 

We need assistance.
Product: Debt collection

Credit Control Corp is trying to collect on debt that does not belong to me. 

XXXX XXXX is trying to collect on debt that does not belong to me. 

XXXX, XXXX is trying to collect on debt that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was reviewing my credit report, I saw an account that is reporting on my credit file but it is false. I do not have any debt with this company, and I have no knowledge of this account. I believe this is some sort of fraud because this account does not even have any relations to any accounts I have approved. The other two Credit Bureaus XXXX XX/XX/XXXXXXXX have already fixed this fraud/error and removed the account. Please investigate this issue because it is stopping me from gaining any new credit! This account is not mine.
Product: Credit reporting or other personal consumer reports

Data breach and fraud are effectively hurting my credit score
Product: Credit card

On XXXX XXXX I Paid off my balance to. Discover card in the quest to get a new mortgage. To date it has still NOT been updated with the credit reporting agencies. The irony of this is that if I were to miss a payment they would IMMEDIATELY report to all the reporting agencies which proves they have the ability to report both positive and negative information immediately. 
There should be a rule in place that requires creditors to post LARGE payments immediately vs. waiting to do things in a batch. I still can not get my loan approved because I'm waiting on Discover to report.
Product: Credit reporting or other personal consumer reports

Account XXXX  XXXX Midland Funding Formal Complaint of Improper Handling of Notarized Documents, Consumer Rights Violations, and Request for Immediate Removal of Tradeline Dear Midland Funding, I am writing to formally address your recent claim that the notarized documentation I submitted regarding the debt in question " does not appear authentic. '' This response is both unfounded and in violation of my consumer rights under federal law. 

A notary public has officially authenticated the documentation, which makes it legally binding. Therefore, your agency has no legal right or authority to question the authenticity of properly notarized documents unless you have substantial legal evidence to prove otherwise. Your arbitrary dismissal of these documents is not only inappropriate but also in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Consumer Rights Violations : Improper Disregard of Notarized Documentation : The 15 U.S.C. 1692e of the FDCPA prohibits collection agencies from using any false or misleading representations in their attempts to collect debts. Dismissing legally authenticated documents without a valid reason constitutes a violation of this provision. 

Failure to Validate Debt : Under 15 U.S.C. 1692g, upon a dispute, a debt collector is required to validate the debt and provide accurate documentation. Rejecting my valid, notarized documents without proper cause fails to meet this standard of validation and is a violation of my rights as a consumer. 

Credit Bureau Responsibilities : XXXX, XXXX, XXXX I must remind you that the Fair Credit Reporting Act ( FCRA ) holds you responsible for reporting accurate information to the credit bureaus. Under 15 U.S.C. 1681i, during an investigation into a disputed account, credit bureaus must not report inaccurate or unverifiable information. As such, I am formally requesting that you immediately remove the tradeline related to this account from my credit report while this claim is under investigation, as the account is currently disputed and should not be reported in a way that could harm my credit. 

Failure to comply with these legal obligations would constitute a further violation of my rights, and I reserve the right to take legal action to pursue damages for reporting inaccurate or misleading information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you with great concern and frustration regarding the persisting inaccuracies on my credit report, particularly in connection with an account held by XXXX XXXX and a collection reported by XXXX XXXX XXXX. Despite multiple disputes and providing irrefutable evidence of the following inaccuracies : 1. An address I have never lived in. 
2. Information I have no knowledge of. 
3. Discrepancies in my consumer report upon different timeframes. 

It is evident that both XXXX XXXXXXXX and XXXX XXXX XXXX  are consistently in violation of several critical sections of the United States Code, specifically : 15 U.S. Code 1692b ( 2 - 5 ) : The Fair Debt Collection Practices Act strictly prohibits false or deceptive practices when reporting information to credit bureaus. XXXX XXXX actions in this regard are inexcusable. 
15 U.S. Code 1692c ( a ) ( c ) : XXXX XXXX XXXX reporting of a collection that I have absolutely no knowledge of raises serious concerns about their adherence to the law. 
15 U.S. Code 1692g ( a ) ( 1-5 ) : I have not received adequate validation of this alleged debt from XXXX XXXX XXXX XXXX a clear violation of my rights under this section. 
15 U.S. Code 1681 ( B ) ( i ) ( ii ) : Both XXXX XXXXXXXX and XXXX XXXX XXXX have failed to accurately report my information, including the false address and information that I have repeatedly disputed. 
15 U.S Code 6801 ( a ) ( b ) ( 1-3 ) : XXXXXXXX XXXX inability to safeguard my personal information, as indicated by the inaccuracies on my credit report, raises concerns about potential identity theft and is a violation of the Gramm-Leach-Bliley Act. 

In addition, XXXX XXXXXXXX may be in violation of 15 U.S. Code 1681c ( a ) ( 1 ) ( B ), as they have continued to report information that I believe to be inaccurate and potentially fraudulent, further exacerbating my distress. 

Given the egregious and repeated violations of these consumer protection laws, I demand an immediate deletion and removal of the disputed information from my credit report. It is my right as a consumer to have accurate, fair, and lawful reporting, and I insist on the restoration of my credit integrity without further delay. 

I am determined to resolve this matter swiftly and to put an end to this ongoing ordeal. 

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

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. 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 an 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 or 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, credit repair services, or other personal consumer reports

In XXXX to XX/XX/2023, I contacted Experian about removing XXXX XXXX from my credit report. XXXX and XXXX have already removed the XXXX XXXX from my account. I have called and disputed the account with the company and they have contacted all credit bureaus. This credit reporting company ( Experian ) has failed to respond and remove the account. XXXX XXXX will be mailing me a letter stating that the account is closed due to identity theft. 


Furthermore, the Experian credit reporting company is not consistently monitoring and updating the credit usage. For example, they checked the credit usage on XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, when the credit usage decreased to 12.5 % from a previous balance of 84.2 %. No change to the credit report. 

However, on XX/XX/XXXX, the credit usage was at XXXX XXXX, they quickly changed the credit score. 

Another example of the inconsistent credit monitoring. On XX/XX/XXXX, my credit usage decreased to XXXX XXXX  from a previous use of XXXX XXXX. My credit score increased by 13 points. 

Why was there no credit score increase on XX/XX/XXXX, when the credit usage decreased to XXXX XXXX? 

There is a pattern of change in credit score when the credit usage significantly increases, but absolutely no change in score ( not even one point ) when there is a consistent decrease in credit card use ( for over a period of one month ). 


Their pattern of notifications and updates shows a pattern change in credit score every month, however there was no update in credit score on XX/XX/XXXX. I called customer service to inquire, they said to wait a couple of days. I had to wait until the next month. That means they waited two months before reporting a heavy use in credit card usage.
Product: Student loan

I was on an income driven repayment plan. I was supposed to update/ reapply for the plan. However, during that window I was very busy finishing my first year as an educator. I updated the payment plan as soon as I could, but not soon enough for the interest accrued during the income driven repayment plan to be added to the balance of my student loans.     Now I am unemployed again, and my total balance is thousands more than when I started. Please, there must be some sort of recourse here. I ca n't afford to give away thousands of dollars, especially when my education is n't finished. Thank you for your time.
Product: Checking or savings account

I wanted to add that I was also a victim of this complaint : XXXX : XXXX " Capital One violated the XXXX XXXX on deceptive acts and practices by misrepresenting that XXXX XXXX  was and would be its only high-interest savings product and the CFPAs prohibition on abusive acts and practices by taking unreasonable advantage of XXXX XXXX  account holders lack of understanding of the material risks and costs of the XXXX XXXX product. '' In XXXX XXXX, I opened my " XXXX XXXX '' with the promise of high interest rates ( around 1.5 % ). I kept it as is for years, without my knowledge in XXXX it decreased to 0.6 % and then by XXXX was down to 0.3 %. I have this all tracked in my bank statements. 

Throughout this time ( 4 years ), I received hundreds of Capital One marketing emails. However none of these emails included information a higher yield savings account. I only discovered the " XXXX XXXX XXXX '' account when I was doing my own external research in XXXX XXXX.
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 XXXX : XXXX ) 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. XXXXXXXX XXXX XXXXXXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX - XX/XX/year> 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 EXPERIAN 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 have checking account in chase bank. In regard to my auto sale advertisement, I got scammed. The scammer sent me a fraud cheque of XXXX usd and later asked refund via XXXX as obviously he was not willing to proceed. 

On noticing the fraud, I immediately informed chase fraud department and they declined the claim as I have authorized the XXXX payments. 

My concern is, no one would authorize a payment if its known to be a scam. Also, chase bank could have notified sooner if the cheque was fraud, the money got credited and almost after a week the cheque is being reversed as they found it to be fraud or suspicious. Had it been done earlier or if the fund was kept on hold, I could have saved my subsequent money transfers. 

Absolutely devastated by this loss and hence reporting for a potential refund.
Product: Checking or savings account

Received email notification from Bank of America that there was a new application related to my name/social security number. There were several emails and I received them beginning at XXXXXXXX XXXX EST on XX/XX/2023. I looked up the fraud department number on the BofA website and contacted them at XXXX EST on XX/XX/2023. I verified my information and it was confirmed by BofA rep XXXX that an account had been opened using my information. He emailed me something related to fraud protection and advised that he was closing the fraudulent account. I thanked him and then I was placed on hold. I waited on hold for approximately XXXX minutes. I then spoke to BofA rep XXXX who once again verified my information, but advised that the account was NOT closed and that she was taking steps to actually close the account. XXXX not sure how someone was able to successfully open a bank account in my name without the emailed confirmation code, nor the correct address. I am also still not confident that the fraudulent account has truly been cancelled by Bank of America.