23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account ONEMAIN which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ONEMAIN was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX. XXXXXXXX XXXX - ACCOUNT # XXXX XXXX. XXXX - ACCOUNT # XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I was notified of a hard inquiry on my credit report and received a call from XXXX XXXX Fraud Department inquiring as to whether I applied for a credit card and I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$27000.00}
Product: Debt collection

I got sick in XXXX, since then I've had XXXX XXXX XXXX major, XXXX minor and countless test procedures and Dr Visits which left me XXXX unable to work which left me broke unable to pay my bills, I had two credit cards from capitol one, when I got them the contract on both stated that if I ever got ill or XXXX that it was a policy that I would not have to pay my credit card debt if I could show proof my illness or XXXX. I called capitol one and XXXX XXXX explained this to them after my XXXX XXXX, they told me to send in my proof of illness I did, I sent them a 53 page medical report documenting my XXXX test procedures and dr visits to two different addresses bc I had two credit cards w them about 6 weeks later XX/XX/XXXX to be exact I got a letter in the mail basically saying all was forgiven ( that im gon na attach and send w this complaint if I can ) checked my credit today and realized im being sued by them and the letter that states all forgiven I received is only for one of the accounts and now they are trying to sue me for the other account and not honor the contract agreement about medical hardship that account # is XXXX I called them today and I called and they were rude we got disconnected or she hung up on me one then I called back and just got elevator music w a msg saying hold times are over two hrs so I hung up start ffilling out this complaint.. You would think w all this covid 19 stuff they would be more coorperative
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Unlawful Reporting of Bankruptcy Record and Associated Accounts Complainant : XXXX XXXX Credit Reporting Agency : Experian Complaint Summary : Experian continues to unlawfully report a Chapter XXXX bankruptcy ( Filing Number : XXXX, Filed : XX/XX/2019 ) and associated accounts on my credit report despite multiple dispute attempts. I provided an affidavit from the court confirming that they do not share information with credit reporting agencies. Experians claim of verifying this information with the original creditor is both false and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

I have already filed a formal complaint with the Federal Trade Commission ( FTC ), Report XXXX XXXX, regarding these violations. Despite three dispute rounds, Experian has failed to meet verification requirements or provide accurate reporting. Their continued inclusion of this information disregards federal regulations and my rights as a consumer. 

Resolution Requested : Immediate removal of the bankruptcy record and all associated accounts. 
Written confirmation of removal within 15 days. 
Attachments : Court affidavit. 
Dispute correspondence. 
FTC complaint ( No. XXXX ). 
Experians actions are unlawful, and I request the CFPB to investigate and enforce compliance. 

Signed : XXXX XXXX
Product: Credit card or prepaid card

XXXX closed my account in XX/XX/2022. And then had to do it again the account in XXXX XX/XX/2022. They finaly got the account closed. Or i thought it was closed. They reopened the account and charged to it and reported to credit agencies that I was payment was over due. witch drooped my XXXX XXXX by XXXX points. Have talked to customer service they transfered me to the fraud department, then I was transferred to disputes, and then back to customer service. They kept me in a circle jerk for over XXXX minutes. I finaly got fed-up. And went to you. I have checked online and there are hundreds of people that have complained.
Product: Checking or savings account

On XX/XX/22, my company XXXX XXXX XXXX was debited {$4000.00} by Bank of America and those funds were sent to an unknown individual. I contacted Bank of America on XX/XX/22 to report the fraud. I was told by an employee of Bank of America that my funds would be recovered since the unknown party has an account at Bank of America. 45 days later, Bank of America sent me a letter refusing to refund my funds and to pursue the unknown party. I filed a small claims lawsuit to recover the funds from Bank of America. During mediation of the dispute the Bank of America representative finally gave me the name of the unknown party. He told me to call a department at Bank of America and they would provide the unknown party 's home address so I could file a police report. When I called the number I was told no information would be provided. Today at the small claims hearing the attorney representing Bank of America lied to the judge claiming I never told Bank of America the transaction was fraudulent. That has always been the case and I informed Bank of America in a timely manner of the fraud under Reg E.
Product: Debt collection

On XX/XX/2021 I found out that I had a debt owed to my car insurance company from a previous policy that had been closed, my understanding was the policy would transfer to my new vehicle. I paid it immediately to get it resolved however it was already send to a collections agency. The cost due was {$120.00} paid in full on XXXX XXXX. My payment was made through XXXX. My credit report with XXXX shows the payment date was XXXX XXXX
Product: Debt collection

XXXX XXXX has been repeatedly calling me at least 6-8 times per day. I block the number every single time, but they just change it every single time. They disguise the number as a local number so that its more likely that I will answer. They have called me multiple times, even today, before XXXX, and they call me repeatedly after XXXX. I work nights, and when my phone rings over and over in the morning when I am trying to recover, it significantly disrupts my sleep and has caused a bunch of health issues. They have also threatened to call my employer which is a huge issue and could cost me my job. I can provide phone records if necessary.
Product: Credit card or prepaid card

American Express has issued a Credit Card in my name to someone else that is using it. When I applied for an American Express Card last year, I received a letter stating that my Credit Score was much lower than it actually was. I check my Credit Scores often and I knew that was a lie. American Express is now operating XXXX XXXX in XXXX. Also, I have asked for my late husbands statements, ( XXXX XXXX ) and American Express did NOT send me them after they said they would. My patience with their Egregious business practices have XXXX we orb me thin. If I dont get my, American Express Business Credit Card XXXX my late husbands file ( XXXX XXXX XXXX which I believe an, American Express Card ( s ) have been issued under his Social Security Number without his knowledge dnd consent, which is Elder Fraud by his alleged caregiver. If this matter is NOT handled to my satisfaction then, I am going to file a LAWSUIT against, American Express and their Board Members, who have allowed these, CRIMINAL practices to continue even after being notified. I have all of my documents to proceed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I applied for a personal loan and was approved for XXXX pending verification. I provided all necessary verification and met all the requirement of the company. However when the lady processing the loan she processed it as an auto purchase loan and only upriver for that amount. I did not ask for the loan to purchase the vehicle I asked for a personal loan and used a vehicle to secure it. Florida having electronic titles means all I have to do is file the lien application for them and it has my tag number on that so it made it proof of registration as they requested they would have made me pay to file the lien anyways before they gave me the loan so I just saved my self one step. However I XXXX the ladies of because I told them they were XXXX and didnt process the loan correctly and I filed a complaint with the Vice President and the executive committee. So in the end they had no legal ground to deny the loan and they violated the law by not giving me the loan application they didnt approve. The reason I think they denied the loan is because Im incompetent and my wife has to sign for me which is discrimination against a XXXX veteran. And I say this because I was actually approved for XXXX 4 times thru there company each time they were blowing me off Id apply.
Product: Credit card or prepaid card

I purchased a NETSPEND prepaid card from XXXX. I called to activate the card and due to after hours I couldnt reach anyone and the card could not be used even though I gave XXXX my XXXX $ and now I have a card with XXXX $ on it I cant use. The company NETSPEND told me they would send me a check and somehow knew the amount, but the card was bad. For some reason Im still waiting for the check in my mail, I dont believe they were NETSPEND XXXX and I believe my phone is hacked cause the same ppl answer all the time. I need an investigator to help me. Ive had identity theft. I call the number in the card and Im always in hold and now the number on the card cant be noticed on the site. Could it be NETSPEND or THE ACT IF HACKING?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Sterling provided a background check with many completely wrong information which then, in turn, lead me to not get the job
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am formally lodging a complaint against EXPERIAN for the inaccurate reporting of a bankruptcy on my credit report, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). Below, I detail the relevant statutes and stipulate the necessary corrective actions : 1. Inaccurate Bankruptcy Reporting : EXPERIAN has erroneously listed a bankruptcy on my credit report, which is patently inaccurate and baseless. This misrepresentation critically impacts my financial standing and violates my rights under FCRA provisions.

2. Violation of Privacy Rights Under FCRA : Per 15 U.S. Code 1681 ( 4 ), it is stipulated that as a consumer, I have an unequivocal right to privacy concerning my credit information. By disseminating incorrect bankruptcy information, EXPERIAN is in blatant breach of this statutory protection.

3. Lack of Permissible Purpose as Mandated by FCRA : As defined under 15 U.S. Code 1681b ( a ) ( 2 ), any consumer reporting agency is mandated to have a legitimate permissible purpose to disclose consumer credit information. The unlawful inclusion of inaccurate bankruptcy information without due diligence and accurate verification flouts compliance with this regulatory requirement.

4. Insufficient Reinvestigation Process : Despite my previous disputes regarding this incorrect information, EXPERIAN has defended its erroneous reporting without conducting a thorough and meaningful reinvestigation as required under 15 U.S. Code 1681 ( a ). The failure to correct this inaccuracy reflects a systemic disregard for compliance with FCRA mandates.

The inaccurate and unfounded reporting of bankruptcy by EXPERIAN is not merely an administrative oversight but a significant violation of the FCRA. The continuation of such discrepancies undermines my right to accurate and fair credit reporting, I implore the CFPB to prioritise this complaint, enforce compliance with FCRA standards, and ensure the swift rectification of my credit report. 

Thank you for your prompt attention and action regarding this grave matter. I eagerly await your response and resolution. 

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

In accordance with the Fair Credit Reporting Act, 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 15 U.S.C 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 15 U.S.C 1681a 2 ( A ) ( i ) : excludes information that is solely based on transactions or experiences between the consumer and the creditor.
Product: Debt collection

I called the company several times and explained my situation, and I also spoke to the supervisor, but they didn't want to listen to me or understand me. They just told me to pay the money. It was annoying, so they told me to read the original Creditor document and I would send it to them. When I told them, they told me to only listen to what they said. I kept interrupting my story.
Product: Debt collection

The debt was pay in Full on XXXX satament from my bank can be submit .. that paymennt was made it and never reported
Product: Vehicle loan or lease

I purchased a  XXXX   XXXX   XXXX  with my brother ( co-applicant ) through GMAC in  XXXX . We traded the  XXXX   XXXX  in for  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  XXXX  in My name only this time.That being said the  XXXX   XXXX  was paid off through  GMAC and  the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new ca r (   XXXX   XXXX   ) . Initial ly there were  XXXX  30 day lates,  XXXX  reported on  XXXX   XXXX  and the other in  XXXX   XXXX . I was advised to dispute it by GMAC because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed  XXXX  30 day late which was the  XXXX   XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that  XXXX   XXXX   XXXX  sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have  XXXX   XXXX  of  XXXX   XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called  XXXX   XXXX  and spoke with my  XXXX  person  XXXX   XXXX  and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a  XXXX   XXXX  @  XXXX   XXXX  who is over him. I called on several occasions and left several voicemail messages for a  XXXX   XXXX  @  XXXX  and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on  XXXX   XXXX ,  XXXX  so how can we have a 30 day late on our credit report for  XXXX   XXXX  &  XXXX   XXXX  and if that was truly the case why did they wait 6 months to report it? That 's why they removed the  XXXX   XXXX  late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither GMAC or  XXXX   XXXX  will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what GMAC 's response was or I really feel like they are n't even investigating the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had a collection account for XXXX XXXX for my son ( account number XXXX ). I am XXXX XXXX XXXX. Even though this was not my liability, I paid the collection. But I disputed it with the three bureaus explaining that it was not my account..NOT MY LIABILITY and that I wanted it removed from my file. 

XXXX  and XXXX XXXX complied and removed the item. Experian has left it on my file. It should have never been on there to start with
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : [ XXXX ]. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. 

Account name XXXX XXXX XXXX Account numbeXXXX REQUESTING REMOVAL OF UNAUTHORIZED INQUIRY XXXX XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX Inquired on XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to dispute this inaccurate and incomplete information with all three credit bureaus. They have all fail to comply with FCRA Section 609 ( a ) ( 1 ) ( A ) verify, through physical verification the original signed consumer contract. I have requested proof of this alleged account numerous times. I have NEVER been supplied with it, because no such account exist. Failing to show proof per the FCRA the item must be removed from the credit report.
Product: Credit reporting or other personal consumer reports

I have an inquiry from BRCLYSBANKDE showing on my credit report that i did not authorize nor have knowledge of the company. I request that it be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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.