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

On XX/XX/2019 I sent a certified letter to Portfolio Recovery Associates LLC requesting validation of a debt the claim I owe. The company responded by sending me two statements dated XX/XX/2019 saying they had investigated the matter and found that the debt was valid.they included a copy of a letter and copies of two months of billing statements from XXXX XXXX. I sent Portfolio Recovery Associates LLC a second certified letter with return receipt on XX/XX/2019. It was signed for by XXXX XXXX on XX/XX/2019. I then received another statement dated XX/XX/2019 that again stated the debt was valid, and enclosed another copy of the same copy of a letter from XXXX XXXX.The last thing I received was another two statements dated XX/XX/2019 saying again they consider the debt valid, will no longer investigate, will no longer reply to requests for validation, and consider this matter closed. In total the only evidence of this debt that Portfolio Recovery Associates LLC provided to me was the copies of two monthly bille and two copies of the same letter, this does not meet the requirements set by the Fair Debt Collection Practices Act or the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal Complain On Third Party Credit Reporting Blacklisting Services, ( Early Warning Systems ) and ( XXXX XXXX ) are Running A Sort of Underground Blacklisting Subsystem Database & Reporting What Is Sometimes False Information To Some Banks That Try And Use These Services Outside The Scope of XXXX scoring or the three empirically derived credit reporting agencies. For Example, If A Person Received A Check in the mail, cashier or legitimate compensation of any sort, they deposit the check into their bank, it may fail to clear for any unknown reason, after three days or so, even if no money was drawn, accessed or spent from the bounced check, some banks are reporting that a check bounced to these blacklisting subsystem databases, therefore completely blocking or blacklisting an innocent person 's ability to open any bank accounts at any bank that looks at these, aside from regular normal credit agency scores, In Addition, when Phoning in or Contacting These Blacklisting Services and trying to dispute or clear these types of blacklisting from an individuals account, They are Beligerent and Won't Remove, Clear or Provide a way to clear those databases, They Refuse to Clear Erroneous or Frivolous Complaints, it should be deemed as illegal blacklisting! Those Subsystem Databases Should Be Forced To Halt Their Collecting of Personal Data, Social Security Numbers, and Information On People as well as Using It As A Blacklisting Services
Product: Credit reporting or other personal consumer reports

I had an account with XXXX acct # XXXX which was never late and was removed from my XXXX credit files due to inaccuracy and fraudulent practicesXXXX/EXPERIAN continue to report a chargeoff on my credit profile that is illegal and was never late they have chose to report account as chargeoff dated XX/XX/year> with NO data of my previous payments that were made this account has several inconsistencies as you will see below it reports what it wants to please remove this from my credit file immediately. This account Isa true VIOLTATION of THE FAIR AND ACCURATE CREDIT TRANSACTIONS ACT. XXXX XXXX reported XXXX late payments XXXX XXXX reported XXXX late payments XXXX XXXX reported XXXX late payments XXXX XXXX reported XXXX late payments XXXX XXXX reported XXXX latepayments Just a kindly reminder that these are all violations that are on record and are damaging both financially and mentally it has caused me inability to acquire credit for my household. 


THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT PROFILR IMMEDIATELY OR I WILL BE REQUESTING ALTERNATIVE RESOLUTION DISPUTE WITH DAMAGES FROM CREDITOR ( XXXX ) AND DATA FURNISHER ( EXPERIAN )
Product: Credit reporting or other personal consumer reports

I have suffered harm due to TransUnion 's failure to accurately report information about me,, as a consumer. I firmly assert my right to seek redress in the amount of {$1500.00}. Despite having submitted dispute letters three to four times to rectify the inaccuracies in my personal information, TransUnion has yet to comply. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to monetary relief, and I expect prompt resolution of this matter ... ... ... ... ... ... ... ... ... ... ... ... .Thursday, XX/XX/2023 TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Personal Information Update Request To Whom It May Concern : I am writing for the second time to update my personal information as per my rights under 15 USC 1681 ( a ) ( 4 ). It is imperative that consumer reporting agencies exercise their responsibilities fairly, impartially, and with a strong regard for consumers ' privacy rights. 



I hereby request the removal of all personal identifiable information from my consumer credit report, excluding the following : I respectfully request the elimination of outdated addresses, as I am unable to receive mail or correspondences at these locations. Please replace them with the address mentioned above. 



My sole phone number is Kindly eliminate any other phone numbers associated with my report. 



For privacy reasons, I demand the removal of my social security number and date of birth from display on the credit file. Additionally, I request the deletion of all information within the employer section. 



In accordance with the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with an inherent right to privacy. Failing to honor my rights would be a direct violation of 15 USC 1681 and its subsections. 



Upon completion of the requested changes, please provide an updated credit report to the contact information indicated below :
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
these are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Equifax today regarding unauthorize inquiries reporting on my credit report. The agent stated that they can not remove them because they are factual. This is against the law to be reporting inquires that are not authorized by a consumer. Equifax has violated my rights as a consumer to an accurate credit report according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I paid {$160.00} on XX/XX/XXXX to Synchrony Car Credit and they have not applied this payment to my outstanding balance. On XX/XX/XXXX they sent me a statement stating what proof they need. After sending them a letter from my bank they informed me it could not be in the form of an email ... I must fax this information. I did so again making me and my bank jump through hoops. I called them 7 hours after I faxed the documents they requested and they told me it would take up to 14 days to review. My outstanding balance is {$250.00} due on XX/XX/XXXX, so after they apply my missing payment of {$160.00} my balance would be less than {$90.00}. I fell they are dragging this information so they can collect more interest rate.
Product: Payday loan, title loan, or personal loan

I was given a high interest rate loan of {$5100.00}, I make two {$140.00} payments a month, I have called numerous times to be put on a reduced payment plan due to XXXX  and losing hours at my job. I was told every call I made that it would be adjusted. It still has not been done I am still making to large payments
Product: Debt collection

XX/XX/XXXX a sheriff came to my work and served me papers dated from XX/XX/XXXX claiming I have debt owed for XXXX XXXX XXXX XXXX A North Dakota Corporation , in the sum amount of {$1200.00} plus interest from XX/XX/XXXX at the rate of XXXX XXXX per annum in the amount of {$140.00} making the total sum amount of {$1400.00}. 
I have not received any notice prior via email, mail or phone. Im clueless to what this debt they are trying to collect is from as I do not recall having any debt. It just showed up on my XXXXredit score report. 
Not only never having any notice prior to this the papers I was served with doesnt list a court date , county or where to go to figure this out. It however does list an attorneys name, email, address, and phone number. I have called and emailed said attorney and have not heard anything back so I dont know where to go to figure this out. Its affecting my credit score and with them having a sheriff serve me with papers at my work it has made unnecessary rumors go around even though I didnt do anything wrong. 
It also says I have 21 days to respond and if failed to do so, judgement by default will be taken against me for the relief demanded in the complaint.
Product: Credit reporting or other personal consumer reports

I'm being Stalked by someone high up in government. I most recently began to gather proof of being stalked with credit card and credit reporting issues. Here 's an example of what they are and have done and here is the issue for this report. I opened a XXXXXXXX XXXX XXXX  credit card around XXXX, XXXX. My closing date was XX/XX/XXXX. I received my first-time statement in the amount of {$110.00} with was legitimate charges. A week later, I go to pay my bill and it stated on-line that my balance was XXXX. I knew immediately that someone committed fraud on my account. I contacted the merchant and immediately they submitted a fraud investigation. On around XX/XX/XXXX the fraud charges where reversed and balance was corrected. The only statement that I have received with this company is one statement which was the correct amount of XXXX. My balance as of XX/XX/XXXX was {$1.00}. On XXXX XXXX it was reported to the credit bureaus that I had a balance of $ XXXX.They never reported the real statement balance of {$110.00} The fraudulent charges were even removed before they reported and it's not even time for me to receive a statement again because it does not close until XX/XX/XXXX. It took my credit score down XXXX points. You may say, oh no that's one instance. No, this has happened to me on several of my credit cards and loan accounts. My score was lowered on one of them because my balance decreases XXXX points because on one of my credit card balances went from {$1.00} to {$2.00}. yes, just a dollar. I have superb payment history. There are many more examples of this. Please contact me. T
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE NOTIFIED LOCAL AND FEDERAL AGENCYS I WAS A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
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 Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXXXXXX  Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or 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.
Product: Credit card or prepaid card

Received a letter from American Express on XX/XX/2020 saying that my application for the XXXX XXXX XXXX card from American Express was denied because I have a freeze on my credit file. The letter then asked for me to provide the PIN and access code for the reporting agency. 

I never applied for the card and when reviewing the company call back number XXXX XXXX XXXX several reviewers questioned the legitimacy of the number. I believe this to be an act of fraud, not sure if by an individual or American Express itself.
Product: Student loan

I have complained to you about Navient several ti mes, and their has been no change in their conduct. For the last two years I had to fight with Navient to  get my remaining  XXXX  loans consolidated into  XXXX . I was given  nothing but a runaround and yes had to complain to the Ombudsman Group to even get them to act. When I spoke to them they had no clue about my loans, made me call several other places, I wrote the U.S. De partment of Education themselves and on and on, Finally the Ombudsman Group was able to get it resolved.     During the process I asked for all of my loans to be placed in a income based repayment, I received a letter from them that they needed my income tax information, t he studentloans.gov is  where I applied for it and the transfer tool was not working. I sit here today and I have reieved several notices from them that my loans will be increased and payment will be due soon. No mention as to what the process of my application is.     I have had a  Income based payment plan, I am trying to continue it. No one at Navient kno ws what the  XXXX  they are doing, no one is on the same page and I am simply done with dealing with them having to do their job for them and every year go way beyond what I need to do to get them to do their job. Check your records and look at how many times I have complained to you and how many other have complained also.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Pnc Bank has an account listed on my credit report with all three bureaus that is not mine. The account number is XXXX. I have disputed this since XX/XX/2017with a total of 8 letters to the credit agencies and two letters to Pnc Bank. I have also had several phone calls with XXXX XXXX at Pnc Bank in regards to the issue. This account is NOT MINE! This account also has many innacuracies reporting such as my address, name spelling, not charging account off at 180 days as per the law states and date reported to fall off so how has this been verified as MINE? XXXX at Pnc has not and can not provide the original signed contract with my signature on it so how has this been verified? I have also just received yet again all three agencies disputes that came back verified with Pnc Bank but XXXX was not done investigating this. How has this been verified yet again and was claimed to be clarified before but Pnc Bank doent have that record? Pnc Bank again has also not charged this person 's account off at the 180 days per law. They do not know the date of first delinquency nor do the credit agencies.
Product: Credit reporting or other personal consumer reports

Equifax failed to investigate my claim. I requested that Equifax investigate the XX/XX/XXXX debt collector account ) for 100 % accurate reporting pursuant to Federal Law and FCRA ( FAIR CREDIT REPORTING ACT ). Equifax failed to investigate thereby violating my rights as a consumer under Federal Law and FCRA. The troubled accounts are XXXX XXXX and XXXX XXXX, both accounts are reporting inaccurate and I asked Equifax to investigate and remove and they failed. Both accounts is in collections and both accounts show Late Payments. Collection accounts are not supposed too show late payments. Enclosed is proof that both accounts show late payments in which is proof that Equifax never investigated my dispute per my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove reinserted fraudulent information reported by XXXX XXXX XXXX and instead updated comments not authorized by me. Experian also increased and changed the amount of the item by one dollar to reinsert this back on my file and failed to confirm how they came to the conclusion that the information was accurate. This debt is not mine and I have provided relevant and factual information to both XXXX XXXX, FTC, CFPB, and Experian. I am demanding the permanent deletion of this reinserted, fraudulent reporting and the restoration of my excellent payment history. 

Please also note that I am a resident of South Carolina and this is also a violation of the law in the State of South Carolina - South Carolina law ( S.C. Code 15-3-530 ), the statute of limitations for most types of consumer and business debt is three ( 3 ) years.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian Consumer Services XXXX XXXX XXXX XXXX, TX XXXX Re : Request for Removal of Negative Items, Closed Accounts, and Inquiries Accounts : XXXX, XXXX, XXXX and Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally dispute and request the removal of all negative items, closed accounts , and both hard and soft inquiries from my credit report. This request is based on recent legal actions and the ongoing lawsuit involving Experian, filed by the Consumer Financial Protection Bureau ( CFPB ), which alleged significant consumer protection violations. 

The lawsuit has highlighted various discrepancies and unlawful practices that have impacted individuals ' credit reports, including the reporting of inaccurate or outdated information, as well as the improper handling of inquiries. As a result, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws to request the removal of the aforementioned items from my credit file. 

Specifically, I am requesting the following : Removal of all negative items that may have been inaccurately reported or improperly maintained on my credit report, Deletion of closed accounts that were either inaccurately reported as active or otherwise misclassified, Removal of hard and soft inquiries that were conducted without proper authorization or where the nature of the inquiry was not disclosed in compliance with relevant consumer protection regulations. 
Please investigate the listed items and provide me with written confirmation of their removal within the time frame stipulated by the FCRA. If any of the requested items are not removed, I request a detailed explanation as to why they were not. 

As a consumer, I am entitled to a fair and accurate credit report, and I trust that you will act in accordance with the laws to ensure the integrity of the information on my credit file. 

I look forward to your prompt resolution of this matter. Please feel free to contact me via letter if further clarification is needed. 

Thank you for your attention to this matter.