23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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: Checking or savings account

I called Citi Bank 1-2 months ago and asked them to close my account and reverse a negative balance that accrued due to the account balance being left at {$0.00}. They said they would reverse the charge and close my account as per my request. They never did, which I noticed when I got an email saying I had a new Citi Bank statement. This new statement showed that my account, which was supposed to be closed, again had a new negative balance, so I called Citi, who once again told me they would reverse the balance back to {$0.00} and close my account. This second call was 2-3 weeks ago. Then, for a third time, I got an email saying I had a new Citi statement. I checked it, and lo and behold, my account had again not been closed. My account said I owed a balance but at the same time it looked like maybe they had reversed it ... it didnt appear to make much sense. Shortly after this, I got an email from Citi saying my account had been closed due to a negative balance accruing and never being paid ... This was all a huge XXXX up on part of Citi and they have all the calls I have with them recorded ( they told me this on the most recent call ). Citi says I owe them {$80.00} and to remedy this, they said they would send me a check for {$80.00} that I can take to a Citi Bank location to pay it off. This is not an appropriate remedy as they are the ones who made the error ( several times in a row ), and for me to follow through with this would be to say I was in the wrong and therefor affect my checking account reporting in the future. Its not just the principle here but my financial history/reporting that will be affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax score dropped XXXX points and there was no changes to my credit report. The company Equifax was contacted and they agreed that there is no reason for the XXXX point drop and stated to wait until the end of the month when the system refreshes, that it will probably correct itself.
Product: Credit reporting, credit repair services, 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. 
XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXXXX/XX/XXXX Experian, 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 XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX EXperian, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

I have a few hard inquiries that i do not recognize nor did i give permission to happen. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I rented an apartment on XXXX XXXX XXXX XXXX ( name of complex and name shown on my credit report ) in XXXX XXXX  on XX/XX/XXXX for a period of one year. In the lease agreement there was a clause saying if I get transfer to another job far  from that location I could leave my contract early, which it happen. I communicate the management that I received an offer to move to XXXX which I did in XX/XX/XXXX so I would be vacating the apartment in the end of XX/XX/XXXX. They told me that I was responsible for the remaining of the month in contract for that unit until someone else rents the apartment, I also had one month deposit on that contract. I left the apartment clean and perfect conditions, and I had friends and neighbors checking the unit if someone had move in, which it did within less than 30 days. So the month deposit I had given before moving in to the apartment should cover the month the unit was empty and getting ready for a new tenant. The rent was around {$1000.00} per month in the contract, and in the worse case scenario, I would had default in around {$5000.00}, but they rented the unit rightway due to the high demand on the area, but the management company put on my credit a debt of over {$11000.00}. I disputed and never received nothing from the credit bureau or the furnisher other then a letter telling me that the collection meets FCRA requirements. Everything it is in the contract, which they have a copy but I lost my when I moved to XXXX. The Fair Resolution. They should remove the collection from my credit as they rented the unit within the time of less than a month and so they could keep my deposit. or in the worse case scenario asked me for one other month of rent, which I offered several times to them when they called me.
Product: Debt collection

Person calls and says Im going to be served papers. Ive never received any indication that I owe a debt. 

Some guy named XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report this morning, and I have no idea why. I checked my report as usual, but this time there were unexpected discrepancies. I even refreshed my browser to see if it was a glitch, but the inquiries didnt disappear. Please review the documents I sent carefully, as Im frustrated and need this resolved immediately so I can have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint about EQUIFAX. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to all 3 Credit Bureaus and they did not comply in the 30 day window and the bad information still shows in my credit reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed an identity theft report with the FTC identifying XXXX  accounts ( XXXX and XXXX ). 

According to the Fair Credit Reporting Act ( FCRA ), these accounts should have been blocked and removed from my consumer reports, but they remain listed. XXXX, XXXX only initiated their own identity theft investigation on XX/XX/XXXX, months after the FTC report and seemingly in response to a recent CFPB complaint. This delay highlights a failure in communication between consumer reporting agencies and furnishers and their lack of adherence to proper procedures. Despite this investigation, XXXX  has not validated the alleged debts or provided the required documentation requested in previous correspondence, violating the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, none of the consumer reporting agencies ( EQUIFAX, XXXX, and XXXX ) have deleted this information. Moreover, despite XXXX 's claim that they would cease all communications as of XX/XX/XXXX, XXXX continues to send unauthorized communications to consumer reporting agencies and has not removed the disputed tradeline entries from my reports. 

The consumer reporting agencies have demonstrated a severe failure to follow proper procedures by neglecting to promptly delete the fraudulent entries associated with XXXX accounts from my credit reports. Despite my timely identity theft report filed with the FTC on XX/XX/XXXX, which required the immediate removal of these accounts, the agencies have failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Their negligence in updating their records and removing the disputed entries not only contravenes federal regulations but also continues to cause significant harm to my profile. This oversight reflects a serious lapse in their responsibility to ensure the accuracy and integrity of consumer reports, exacerbating the damage to my financial standing and rights.
Product: Debt collection

XX/XX/2023 Report number XXXX Accident happened XXXX XXXX and XXXX XXXX XXXX XXXX I didn't get a first notice until XX/XX/2023 and XXXX in XXXX  was going to give me a security suspension and apparently already had another suspension on my license The collection place told me I couldn't have XXXX XXXX XXXX XXXX statement saying I wasn't involved or even knew about situation until XXXX and found out cause of towing agency even though XXXX  XXXX XXXX paper they sent states other wise And now on XXXX XXXX XXXX I had agreed to pay monthly {$350.00}. the amount is now {$4600.00} total But when I was done with XXXX the collection agency caseworker called stating I did the last paper wrong but the XXXX XXXXXXXX approved everything She also wouldn't lower payment for XXXX XXXX XXXX since that's when I first found out about it They only called XXXX XXXX time and they didn't send him any papers I have to go get paper notarized again because she didn't tell me to not leave one spot opened for her She just told me to make sure I have to notarized paperwork and it was a must License date for suspension was XX/XX/2023 I had to pay collection agency XXXX that date and show proof at XXXX XXXX XXXX XXXX XXXX name is national commercial services , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number is XXXX Last notice was on XX/XX/XXXX for security suspension
Product: Debt collection

I am filing this complaint because there are inaccuracies with Experian on my credit report.
Product: Bank account or service

Placed on a hold on deposit funds even though they verified the funds available when I deposited XXXX checks in the savings account. I was told that even thought the funds have been verified that do to the large amount I had to wait until the XXXX until the hold expires.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Has without my consent placed a fraud notification on my credit reports with XXXX XXXX system. USAA Has been contacted numerous times by myself I have repeatedly instructed them to remove any fraud alerts with XXXX XXXX I have been told multiple times that this fraud alert has been removed or is under review to call back in a few days and I keep getting the runaround.USAA Is single-handedly ruining my credit history with my creditors as a result I am being denied credit institutions were I have excellent credit history because of the XXXX XXXX notice placed by Usaa.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have been having a problem with your credit reporting department. There is some information I been asking for on XXXX acounts. I am in a chapter XXXX bankruptcy by law I need the chapter XXXX trusses approval. I don't have that. And no one can provide the letter that states I can have this debt. Please contact you credit reporting department and have this removed. And not show up again. I attached the debt that need to be removed and not show up ever again. The acounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute requests to remove incorrect addresses and to also dispute the negative accounts on my XXXX, XXXX, and Equifax reports on XX/XX/XXXX and XX/XX/XXXX via mail. I have not received any mail or correspondence that a dispute or investigation has taken place. I thought that when you do not hear anything from the credit bureaus in 30 days that is automatic grounds for deletion of the requested dispute accounts due to not validating within 30 days. Please look into this and process this dispute as applicable. If it is my understanding that the disputed accounts will be deleted, I expect this filed complaint to be completed in that manor.
Product: Debt collection

They have called maybe 30 times. We do not owe anybody any amount of money
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX  XXXX  XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, AMERICAN EXPRESS add a hard inquiry on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an credit verification request pursuant to 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ) regarding an debt that is claimed to be mine. The company responded with information that belonged to a XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX for XXXX XXXX, XXXX. It also included their banking information. The verification also included an explanation of Calculation of Surplus or Deficiency for an XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The company didn't comply with the law and my request but instead sent other people documents which is an big problem due recent identity thefts etc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  has been re-inserted into my credit file. By law they are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. at my 6th Amendment unalienable right, I respectfully demand Deletion of this item immediately or I will be forced to take legal action! In addition to the Fair Credit Reporting Act ( FCRA ) and Internal Revenue Code ( IRC ) Section 6050P, it's crucial to explore other relevant codes and regulations that may impact your case. Of particular importance are provisions that address the rights and protections afforded to service members and the potential consequences of the unlawful reinsertion of a previously deleted credit file. Here are key regulations to consider : Servicemembers Civil Relief Act ( SCRA ) : If you are a servicemember, the SCRA plays a significant role in safeguarding your rights, especially concerning interest rates, debt collections, and credit reporting. It is essential to evaluate any potential violations related to your status as a service member. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : UDAAP prohibits unfair, deceptive, or abusive practices in the financial industry. In the context of your case, it becomes relevant if there are concerns about the financial institution 's conduct, especially regarding the reinsertion of a previously deleted credit file. Gramm-Leach-Bliley Act ( GLBA ) : Sections 501 and 502 of the GLBA are crucial for addressing privacy concerns related to consumer financial information. It establishes rules for privacy policies, nonpublic personal information protection, and consumer opt-out rights. This becomes pertinent if the reinsertion involves mishandling or improper disclosure of your financial data. Regulation P : Privacy of Consumer Financial Information : Regulation P implements GLBA 's privacy provisions and focuses on safeguarding consumer financial information. It includes requirements for privacy notices, opt-out mechanisms, and restrictions on information-sharing, ensuring the protection of your sensitive data. Regulation B : Equal Credit Opportunity : Regulation B, implementing the Equal Credit Opportunity Act ( ECOA ), prohibits discriminatory credit practices. It ensures fair and equal treatment of credit applicants, making it essential to assess any potential violations concerning your credit reporting. These regulations collectively contribute to shaping the legal landscape surrounding credit reporting and financial privacy, offering avenues for addressing any infringements and seeking a fair resolution. If you have specific concerns related to these regulations, consulting with legal professionals well-versed in consumer protection laws can provide valuable insights and guidance.
Product: Debt collection

I have written Transworld Systems Inc several dispute letters that I found online and they have never responded to me at all! They are reporting on my credit and they have not answered my mail! That is a violation of the FCRA, they are violating the FDCPA by not responding to my letters! PLEASE HELP ME!
Product: Checking or savings account

To Whom It May Concern : On XX/XX/XXXX I received a transfer from XXXX, my XXXX management, for {$15000.00}. I decided to set up a new account with Chime. Upon transferring the funds the amount of {$2000.00} via ACH on XX/XX/XXXX from XXXX, I have yet have access to funds from my Chime account. 
I have supplied a copy of the disbursement of the funds from XXXX and the deposit from XXXX XXXX XXXX for the {$15000.00}, as well mas the transfer of funds in the amount of {$2000.00} into the Chime account I have set up. 
To no avail, I have been unable to reach anyone who is in the position to mitigate this dispute and resolve it in a professional and timely matter. In leu of the lack of communication and incompetence from upper management regarding this matter, my mortgage is late as well as expenses which are necessary for daily living.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to generate credit scores based on outdated and inaccurate information. Dispute system is severely flawed hurting consumers and duping consumers into applying for credit cards recommended by Experian which results in adverse credit score results. Misleading and inaccurate reporting practices.
Product: Debt collection

On XX/XX/2024 I received a notification from the credit monitoring from my bank that I had a new tradeline on my credit report. I checked my XXXX credit report and saw that Jefferson Capital System had added a tradeline that was the result of Identity theft that I had removed around XXXX of last year. I disputed this with the CFPB via complaint numbers XXXX ; XXXX ; XXXX. I reached out to Jefferson Capital Systems by phone today and explained to them that the tradeline that they are reporting is the result of Identity Theft and that they should remove it. They explained their company dispute process takes about 30 days and that I have to send my dispute in writing with evidence and I told them that that does not work for me because I am about to buy a car and the derogatory tradeline torpedoed my consumer report. The agent transferred me to an internal department where I spoke to a lady that told me the same thing. This does not work for me. I am reaching out to the CFPB for assistance. I have provided evidence, the XXXX XXXX XXXX XXXX mentions that when an agency is informed that non public private personal information is being reported and the consumer does not consent to this and wants certain tradelines removed the Company has up to 5 days to remove the tradeline. I need this tradeline removed in this time line.
Product: Debt collection

I have asked for help since XXXX to present with a medical debt from XXXX XXXX. Im having hardships and unable to pay due to Covid-19 hardships. The account was sold to Bull City Financial Solutions. Bull City has reporting negative on my credit report for years. May I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security XXXX funds. 

I have asked for help since XX/XX/XXXX with a debt due to Covid-19 hardships from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX acquired the account and now has sold the account on XXXX to XXXX. XXXX has threatened to sue me for an old credit card debt. XXXX I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security XXXX funds Yours very truly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies on my credit report with TransUnion, specifically concerning the XXXX XXXX account XXXX in XXXX. Despite multiple attempts to resolve these issues, TransUnion has failed to conduct a thorough and proper investigation as required by the Fair Credit Reporting Act ( FCRA ). 

Details of the XXXX XXXX Account : Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : {$430.00} Credit Limit : {$200.00} Pay Status : Charge-off High Balance : {$460.00} Negative Available Credit : - {$230.00} Payment History : Shows charge-offs monthly from XX/XX/XXXX through XX/XX/XXXX despite the account being closed in XX/XX/XXXX. 
Key Issues : Inconsistent Charge-Off Dates : The account is reported as closed in XX/XX/XXXX, yet it shows a charge-off date of XX/XX/XXXX. Additionally, multiple charge-offs are reported monthly after the closed date, which is incorrect as charge-offs should be a one-time event. 

Incorrect XXXX and XXXX XXXX XXXX : The reported balance is {$430.00}, but a high balance of {$460.00} indicates an error. Furthermore, negative available credit of - {$230.00} is incorrect, as the original credit limit was {$200.00}. 

TransUnions Failure to Investigate : Despite filing multiple disputes and providing supporting documentation, TransUnion has failed to conduct a thorough investigation into these discrepancies. The repeated charge-offs and conflicting information have not been addressed properly, leading to continued damage to my credit report. 

Inconsistent Reporting Across Accounts : Similar issues with inconsistent charge-offs and reporting have been noted in other accounts, such as the XXXX XXXX XXXXXXXX XXXX account and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.