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

In accordance with the fair credit reporting act XXXX act USC 1681 section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
USC 1681 section 604 Did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission. By law they need written permission. They did not provide verification to me. They didnt verify via mail or electronically.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account has been removed from credit report several times and  they keep reselling it .its coming up brand new and its affecting me from buying a house. its call Midland credit management account # XXXX {$2500.00} the original creditor was XXXX XXXX XXXX  ac # XXXX it was remove several times and this account was open over 2 year ago..I want statements of proof of date open or remove completely
Product: Credit card

I am writing to express my deep dissatisfaction and frustration regarding the handling of my small business credit card account with Truist Bank. I believe that the recent actions taken by the bank have been unjust and have put my financial standing at significant risk. 

My dissatisfaction primarily stems from the sudden change in Truist Bank 's online payment system, which rendered me unable to access it to make timely payments on my small business credit card account. I consistently made timely payments until I no longer had online access to my small business credit card. Despite my repeated attempts to resolve the issue by calling the customer service representatives, the situation has only escalated, and I find myself in an extremely disadvantageous position. 

On numerous occasions, I contacted customer service hotline seeking assistance with making payments over the phone. Each time, I was assured that this method was acceptable, only to find out later that my payments were not being processed as promised. This inconsistency in communication has created a significant amount of confusion and frustration on my end. 

Furthermore, my recent interaction with one of the credit card charge off collectors, XXXX, left me utterly disappointed. During a call to inquire about the unexpected placement of my credit card account in collections without prior notice, I was met with unprofessionalism and disrespect. XXXX abruptly hung up on me, depriving me of the opportunity to understand the reasoning behind this drastic measure. 

In an effort to mitigate the impact of this situation, I informed a customer service representative about my current out-of-town status, as I am actively engaged in another project and do not have regular access to my mail. I requested information via email and online access. I also requested that this information be documented in my account to prevent any misunderstandings or oversights. Unfortunately, it appears that my concerns were not adequately addressed. 

I demand a thorough investigation into this matter and a prompt resolution to reinstate my credit card account to normal standing. The unjustifiable placement of my account in collections without proper notice or explanation is unacceptable, and I expect immediate action to rectify this situation. 

I am prepared to escalate this complaint further if necessary, as I am committed to pursuing a fair and just resolution to this matter. I trust that Truist Bank values its customers and will take the necessary steps to address and rectify this situation promptly. 

I anticipate your prompt attention to this matter and a timely resolution. Please provide me with updates on the progress of your investigation and the steps being taken to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit card

After numerous attempts to reverse a transfer that was made in error from my checking to credit card account. I was forced to close my accounts. I was mocked. Laughed at, and berated by Citibank. All of this while my card was enrolled in a disaster program. No payments were due. Numerous calls to supervisors escalated inquiries and countless fill up and they did not reverse the XXXX to my checking account. Today I was told it was denied again because payment is coming due. But no payment is due as its in disaster recovery and the {$400.00} should be reversed to my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 Balance : {$2200.00} XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on 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 Account Number XXXX, Account name : XXXX XXXX XXXX Account Number XXXX, Account name : XXXX XXXX XXXX  Account Number XXXX, Account name : XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 


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 or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Debt collection

Comenity Bank is using predatory tactics in an attempt to collect a debt for a payment that is not month late. Bank has called more than 7 times in 7 days per allotment of regulation of FDCPA. 
" cant call you more than seven times within a seven-day period or within seven days after talking with you by phone about a particular debt 'XX/XX/XXXX25 at XX/XX/XXXXXX/XX/XXXX/25 at XX/XX/XXXX/25 at XX/XX/XXXX XX/XX/XXXX/25 at XX/XX/XXXX/25 at XX/XX/XXXX/25 at XX/XX/XXXX/25 at XX/XX/XXXXXX/XX/XXXX/25 at XX/XX/XXXX3XX/XX/XXXX/25 at XX/XX/XXXX/25 at XX/XX/XXXX XX/XX/XXXX25 at XX/XX/XXXX/25 atXX/XX/XXXXas an Unknown Caller
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX have been a victim of identity theft. As a Louisiana resident, I was impacted by the Louisiana DMV Data breach, with all of my information exposed. I do not have any accounts with the companies listed, and I have attached my FTC report for accuracy. My credit report currently needs to report accurate information as a result of identity theft. I'm asking that for this to be corrected for accuracy. 

XXXX  | {$10000.00} | identity theft - no account with them. 

Inquires XXXX XXXX XXXX XXXX | XX/XX/23 & XX/XX/23 | inquiry " result of identity theft - no account or car with them. 

XXXX XXXX XXXX XXXX | XX/XX/23 - inquiry | result of identity theft | no account with them.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction with the handling of my disputes regarding inaccurate information on my credit report. Despite sending disputes to XXXX, XXXX, and Experian outlining specific violations of the Fair Credit Reporting Act ( FCRA ), I have yet to receive any response from your agencies after over 30 days. Enclosed are copies of all letters previously sent for your reference.

It is evident that your company has blatantly disregarded the mandates of the FCRA. Specifically, you have violated FCRA 623 ( a ) b ) by neglecting to label the disputed account as such, thereby perpetuating the erroneous reporting.

Furthermore, the provisions of FCRA 605 ( c ) have also been egregiously flouted. The reporting period continues to run despite the account 's last activity date being incorrectly reported. This misleading representation fails to reflect the actual date of payment cessation, thus unfairly impacting my creditworthiness.

In addition to FCRA violations, your persistent failure to validate the collection account constitutes a clear breach of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion.

It is imperative that you promptly address these violations and rectify the inaccuracies on my credit report. Failure to do so will leave me no choice but to pursue legal action to enforce my rights under federal law.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$8500.00}
Product: Credit reporting or other personal consumer reports

Issue : Inaccurate Information on Credit Report, Failure to Update and Verify Information Properly Description of Complaint : I am submitting this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) during the process of updating my personal information. Specifically, TransUnion failed to properly verify and document the methods used to update my information, and as a result, my consumer rights were violated. 

On XX/XX/year>, I submitted a formal request to TransUnion to update the personal information on my credit report, which included a correction to [ specify what you asked to update, such as your name, address, or other personal information ]. In accordance with the FCRA, TransUnion is required to conduct a reasonable investigation into any disputes and provide me with the method used to verify the information included in my credit file.

However, I received a response from TransUnion stating that I did not request a verification of the update method, which is not true. I explicitly included this request in my dispute letter, as outlined in [ section 611 of the FCRA ( 15 U.S.C. 1681i ) ]. TransUnions failure to include the update verification method constitutes a violation of my rights under the FCRA, which ensures consumers the right to : Accurate Information : I am entitled to have accurate and verifiable information on my credit report. 
Verification of Disputed Information : TransUnion is required to inform me of the method used to verify the accuracy of the information during the dispute process, as per FCRA guidelines. 
Right to Be Notified of Investigation Results : TransUnion did not fulfill its legal obligation to provide the method of verification used in my case. 
By failing to provide the verification method or even acknowledging my request, TransUnion has violated my rights under the FCRA. This has resulted in [ mention any harm this caused, such as being denied credit, receiving higher interest rates, or having incorrect information remain on your credit report ].
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 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: Debt collection

I tried contacting the collection agency and its a wrong number. I tried contacting the credit bureau regarding this information not being correct and they have not removed it from my credit report, they have no proof from the creditor and are aware that the phone number is not a working number and refuse to remove the information from my report. 
They are telling me to contact your company to send a complaint so I am doing this. 
The collections on my account are from National Credit Audit CO {$180.00} and XXXX XXXX XXXX {$1700.00} ( no such company ) Neither one of these collections belong to me and unless there is proof this needs to be removed. So far the credit bureaus have not done this. 
The non-working number the credit bureau gave me to call the creditor is ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX  Credit Card - I closed the account due to charges that were not mine. 
Issue was not resolved. The account was charged off in XXXX. 
XXXX XXXX XXXX - I received threatening notices and calls in XXXX. The amount had gone up to {$9000.00}. 
Cavalry Portfolio Services SPV- I Received threatening calls of garnishment and would be taken to court if I did not pay. 
XXXX XXXX XXXX Attorney for Cavalry Portfolio Services SPV - Sued me and went to trial on XX/XX/XXXX. 
Sheriffs Dept.- Received a Levy Notice shortly after trial, completed the Exempt form and mailed to Sheriff Dept. the amount went up to {$13000.00} and still adding on more interest. 
I retired in XX/XX/XXXXand living on a Pension. Had I known I was exempt from garnishment I would have told the judge. Even though I answered the Levy, I am still getting these Levy notices, I wrote to XXXX XXXX XXXX to stop. I have been getting the Levy notices since XXXX, and they don't stop coming.
Product: Credit card or prepaid card

Someone opened a Bank of America credit card under my name. 

BANK OF AMERICA, let this happen with barely any information. I still don't know of they didn't do it themselves.
Product: Vehicle loan or lease

My car was stolen on XX/XX/XXXX. It was recovered on XX/XX/XXXX. My car was totaled. Insurance deemed it a total loss. I used capital one to refinance this car in XX/XX/XXXX, at that time I had to submit title paperwork etc. My insurance has been waiting to send the total payout, but come to find out capital one never perfected the loan last year during my refinance. This has caused extra amounts building against my loan. The title is still not perfected. 

The title was perfected on XX/XX/XXXX and my insurance company still can not get a hold of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX AV XXXX, XXXX ; XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I received a notice to pay {$1000.00}. 
It is a scam I do not have a bill with XXXX XXXX XXXX. The account was closed after 10 years. 
THE original account # : XXXXCreditor : XXXX XXXX XXXX, XXXX. 
XXXX Account : XXXX Creditor : XXXXDear CFPB : The credit card I once had with XXXX Bank was closed after 10 years. The account was in 2004.
Product: Mortgage

For XXXX XXXX : XXXX. We have had Insurance through XXXX on the property since XXXX. In XXXX, Security National bought Insurance for us through their parent company, XXXX XXXX, DESPITE us submitting proof of Insurance several times through their third-party, and faxing to them many times. They kept telling us they didn't receive even though we had proof. AFTER buying it in XXXX, they had to refund it to us after we proved we had it. They did the SAME THING in XXXX despite us sending them PROOF OF COVERAGE FOR XXXX numerous times. It was the same Insurance Company and we followed the same process and have tried to get a refund the mistaken payemnt several times but they have sold the loan and have stolen our funds and their customer support staff is clueless. I sent the proof of coverage ( attached ) and have asked the mt o fix it but they are clueless and have stolen our funds.

See attached : XX/XX/XXXX : They bought Hazard Insurance for {$4700.00} from Security National saying we didn't have Insurance but we did and sent it numerous times. 

XX/XX/XXXX : they paid our new Insurance Provider {$1600.00} from escrow for XXXX. 

SEE MY ATTACHMENTS THAT I HAVE SENT TO THEM MANY TIMES. 

NOTHING WAS RETURNED> They never refunded the insurance they bought from their own company and it's theft.