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

I was reviewing my credit reports and found several violations in accordance with the Fair Credit Reporting the following accounts such as XXXX XXXX XXXX XXXX # XXXX, U.S. Bankruptcy XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. the law States that 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 I am certain I did not provide anyone with my written consent!
Product: Checking or savings account

I opened an checking account under a promotion and fulfilled all the requirements. They denied the bonus on the basis that I received the bonus before. However, the terms state that bonus is not available for customers who have had an account 12 months before ; my previous relationship with TD Bank ended more than 12 months. TD Bank also claims that I'm combining multiple offers - NO, I'm not combining multiple offers. I opened a new relationship with TD Bank under ONE offer.

Details of the promotion : Direct Deposit {$2500.00} within 60 days of new account opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went through a background check with a company called checkr, XXXX uses them to perform background checks on their driver 's for employment I've updated my contact information and I provided them with my driver 's license and checkr refuses to accept my valid driver license. I've tried several times to give checkr my information but they refuse to take my driver 's license. they have an invalid wrong information on file. I told them several times that I am a XXXX  resident I no longer live in XXXX  here 's my valid driver 's license please use it when you do your background check.
Product: Credit reporting or other personal consumer reports

I am submitting this second-round dispute regarding XXXX ( XXXX ) late payments reported by XXXX Number XXXX that remain unverified on my credit report, despite my initial dispute on XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ), creditors are required to verify the accuracy of information within 30 days. As of today, no such verification has been provided, making the continued reporting of these late payments a violation of the FCRA. I request the immediate removal of these unverified late payments from my credit report under FCRA 611 ( a ) ( 5 ), which mandates that unverifiable information be deleted. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

5 usc 1681 permissible use -never gave permission to furnish my credit report 1666b Timing of payments - Can not report a late payment on a open end Credit Account Section 602 States I have the right to privacy 15 usc 6802 obligations with respect to disclosure of personal information ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 usc 6803 Disclosure of institution privacy -At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title
Product: Credit reporting, credit repair services, or other personal consumer reports

I was over 2 months delinquent on my credit card which I rarely use due to a late charge from XXXX. The amount I was delinquent on was {$14.00} and I never once received a call from the Barclays Collections department regarding my delinquency. I only learned about the amount owed after receiving a promotional offer from the bank about Debt Management Services they offer. This promotional offer included the words " This is an attempt to collect a debt. '' in the smallest font possible at the bottom. With my girlfriend being in collections for 5+ years I knew this could not be good. 

On XX/XX/XXXX I contacted the bank and asked why I was never contacted regarding a delinquency of over 2 months. A representative name XXXX from the Barclays Collections department told me, " We have cut down on outbound calls to give people less of a hard time due to the Pandemic. '' The decision of this company to " Decrease outbound calls ... '' has resulted in me never being notified of this {$14.00} delinquency on a credit card with a {$3500.00} credit limit. This has now destroyed my credit score. I was told I would receive a call back from a supervisor to help take care of my problem within 24 - 48 hours On XX/XX/XXXX, having not heard from a supervisor for a week, I called again and was connected to XXXX XXXX, a customer service Supervisor at Barclays.  XXXX then told me the reason I was not called back was because my account did not belong in collections in the first place. I then proceeded to explain my situation to him and he sat with me on the phone, assisting me in filing a Credit Bureau Dispute and assured me it would be sent out first thing Monday to help get the delinquency removed from my credit report. XXXX asked if I would still like to speak to a supervisor to which I said yes and was told I would receive a call. 

On XX/XX/XXXX, I was finally contacted by a supervisor and told them that XXXX was wonderful and helped me through the Credit Bureau Dispute process. 

Now, XX/XX/XXXX, I called to inquire as to why I have not heard back about the Credit Bureau Dispute and was connected to XXXX XXXX, another customer service supervisor. He first told me that " I am having trouble pulling up your information due to our system taking a long time to load. '' Getting the sense I was being hoodwinked yet again, I persisted and he eventually told me that No Report Had Been Filed and that the only thing he could do is file an internal complaint. 

Due to the gross negligence of this company, I was never contacted by their collections department about a XXXX past due {$14.00} besides a promotional email which has been attached to this Report. Besides being out right lied to about a Credit Bureau Dispute being filed by XXXX XXXX, this failure to contact me due to " cutting down on outbound calls. '' has resulted in my at the time great credit score being knocked down more than 100 points. 

All of these calls should be recorded and I have time stamps for each conversation. 
My Case ID with Barclays : XXXX
Product: Mortgage

I have been approved for a reverse mortgage however my payoff is approximately $ XXXX. 
Over the course of my Mortgage I have refinanced XXXX times. Each time I used what Bank of America calls it 's " Fast Track '' refinance. This is a method where no documentation is required. I did pay all closing costs for each refinance. It is now my understanding that it is not legal to use this " Fast Track '' more than once, however they did. ( XXXX ) If I was not allowed to refinance through this " Fast Track '' method ( illegally ) I would not qualify for a refinance. The money for closing XXXX would never have been added to my principle and I would not find myself short financially on my existing lien to obtain the reverse mortgage that I seek. 
BofA is refusing to negotiate an option to payoff this existing lien. I would like my closing costs returned to my principle so that I may complete my reverse mortgage.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Re : Consumer reporting agency refusing to remove address and phone numbers.

Isn't true that under the fair credit reporting act, a credit reporting agency has thirty days to investigate my disputes?

I have sent several letters informing TransUnion, XXXX and XXXX regarding inaccurate addresses, the addresses are inaccurate because I've never lived at these locations. I have included multiple forms of identification confirming the correct address. There are also phone numbers that do not belong to me on my credit profile as well. I have not received any response from them, The inaccurate information remains on my credit profile. 15 USC 1681 ( b ) states it is the purpose of this subchapter to require that the 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. This is the consumer agencies duty to provide correct information. They are violating the law and willfully non-compliant.
Product: Credit reporting or other personal consumer reports

Late payment entries on my report seem incorrect. Please address and update as needed.
Product: Credit reporting or other personal consumer reports

I

n 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. 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.
Product: Credit reporting

An address change was submitted to my mortgage company ( XXXX XXXX XXXX ) approximately 8 years ago. Someone had tried to compromise my wife 's credit. She caught it, and it was recently resolved This address is now showing on my credit report. The credit reporting companies have refused to remove it because they said it was reported to them, and suggested I file an identify theft report ( no one has stolen my identity ). I now have a credit reporting company monitoring my identify. XXXX states this address is no longer in their system ( they removed it ). Please have the credit reporting companies REMOVE this address from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago, I disputed the reporting of a old XXXX XXXX XXXX XXXX account to the credit agencies. As of today, this account is still being reported, although it is over ten years old.
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY XXXX XXXX. 
XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I XXXX FOLLOW UP.PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR INVESTIGATION.
Product: Credit reporting or other personal consumer reports

I looked at my credit report in XX/XX/year> and Saw that there were A few accounts that I did not recognize because they were not mine. These accounts violated my rights To privacy And I want them off my credit report immediately. The first account is XXXX XXXX for {$21000.00} and JM-Assoclates for {$18000.00} four times they have put this accounts on my credit report an I want it off my report. Also all the inquirys I did not authorized anyone to do as well.
Product: Debt collection

I never signed anything with this company. They don't have my signature and I don't know who they are.
Product: Debt collection

When I moved out of the apartment I paid before I left. I have my receipts and a email between me and the property manager. They are upset because I sued them in court for not fixing anything in the apartment and now theyre falsely saying I owe them. I disputed it with the collection company and called but they said because they work for the apartment management theyre not obligated to help me or remove anything.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : 1. Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} million in damages.

2. Johnson v. Wells Fargo Bank, N.A., 2020 U.S. Dist. LEXIS 12345 ( D. Md. 2020 ) Wells Fargo was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages.

3. Soutter v. Equifax Info. Servs., LLC , 498 Fed . Appx. 260 ( 4th Cir. 2012 ) Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages.

4. Dixon-Rollins v. Experian Info. Sols., Inc. , 753 F. Supp. 2d 452 ( E.D. Pa. 2010 ) Experian was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm.

5. CFPB Enforcement Action against TransUnion ( 2022 ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} million for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights.

These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences.

Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of these account ( s ) : 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

Experian did not correct my child support balance. It was included in my bankruptcy and disputed the balance, however, Experian indicated that it was already disputed and need to submit new information. 

I attempted to upload the new information to support my dispute but their system did not allow me to. 

XXXX also intercepted my recovery rebate credit and applied the funds to my account
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because i was a victim of Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.
Product: Credit card or prepaid card

I have received a credit card I never applied for and they even spelled my name wrong but it still shows up under me as if I applied for it and is activated
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the items listed on my credit report, as I believe they result from a major data breach that compromised my personal and financial information. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that all items on my credit report be deleted in accordance with my rights due to the impact of this breach.

I have recently become aware that my personal data was exposed as part of a data breach that affected [ name of the company or entity that experienced the breach ]. As a result, my information has been used without my authorization, which has led to inaccurate and damaging items appearing on my credit report.

Pursuant to the provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires that consumer reporting agencies ensure the maximum possible accuracy of credit reports, I am entitled to dispute any information that I believe is erroneous, incomplete, or the result of fraudulent activity. Given that the entries on my credit report stem from a breach that I did not authorize or consent to, I assert that these entries are both inaccurate and incomplete.

Additionally, 15 U.S.C. 1681c-2 ( a ) ( 3 ) provides that any information resulting from identity theft must be investigated and, if necessary, deleted. I request that you delete the affected entries from my credit report in full, as they are clearly the result of identity theft linked to this data breach.

Please provide me with a written confirmation of the steps taken to resolve this dispute. I also request that you send me an updated copy of my credit report showing the deletion of these items.

If you require any further documentation or proof regarding the data breach, I am happy to provide it, including any notices I have received from the responsible party confirming the breach. 

Thank you for your prompt attention to this matter. I expect to receive confirmation of the deletion of these items within the statutory timeframe of 30 days, as required by law. 

Sincerely, XXXX XXXX
Product: Credit card

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD RETAIL CARD SERVICES XXXXXX/XX/2023 I was shock to see this inquiries on my credit report I never gave anyone permisson to use my credit please remove this of my credit report
Product: Debt collection

Check City continually calls my phone number. I tell them they have the wrong # and that I do n't know the person they are trying to reach. They have continued to call. I 've told them I was going to file a harassment complaint, but they continue to call my phone.
Product: Credit reporting or other personal consumer reports

In my Experian report, XXXX XXXX account number XXXX payments that I made on time have been marked as XXXX XXXX XXXX  days late, and XXXX XXXX XXXX  date lates which has negatively affected my credit score. In the first image I attached, you can see that my payments were made on time for XXXX in experiam report. After filing a complaint, the error not only persisted but was also changed to XXXX '' XXXX  days late, '' which is completely incorrect and harmful to my credit history. 

On the other hand, the second image I attached shows my XXXX report, where all my on-time payments are evidenced. According to the Consumer Protection Act, credit reports must be accurate and reflect the reality of consumers ' accounts. 

Under the provisions of 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies in my credit report and demand an investigation. Despite submitting disputes, Experian has failed to rectify these errors. As a result of this misinformation, my credit score has been significantly impacted, leading to a denial of credit and other financial harm. Additionally, the incorrect reporting has caused unnecessary emotional distress as I continue to struggle with the consequences of these errors.
Product: Mortgage

I have been working with HSBC to try to save my home.These attempts have been unsuccessful. About two months ago I requested the paperwork for deed in lieu of foreclosure. HSBC has not sent me the forms. I would like to turn the house back over. Can you please help facilitate that these forms are sent to me.
Product: Debt collection

Macys and Citibank, on behalf of Macys making harassing phone calls after the fraud charges were removed from my account. They neglected to removed the fees and interest charges associated with the fraudulent charges!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate. 
Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description or reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( 8 ) ( i ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer tor that description.

Please send the ( Following information used to validate the item ( s ) below, otherwise delete them from my credit report immediately : Account ( XXXX ) : XXXX. XXXX XXXX XXXXXXXX This account is being reported inaccurately, Please remove this from my credit report immediately