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

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under XXXX by the XXXX  of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Product: Checking or savings account

So, I had two deposits from the same merchant that was supposed to hit my account and this morning only one of them hit but not the other. The transactions were for {$200.00} & {$800.00} respectively. The merchant also sent me proof that both transactions were sent to my bank. This morning I go on my account and only see the {$200.00} transaction deposited into my account and when I contacted the bank they said that they do not see any other transaction but the {$200.00} one. This makes no sense to me and why would the merchant send the {$200.00} and not the {$800.00}? This bank ( Regions Bank ) has been rearranging transactions like this daily and I have proof of this. Also, the bank knows that my monthly automatic payment to my car insurance ( XXXX ) gets taken out today in the amount of {$310.00}, so I assume that, as usual, they want to get an overdraft fee from me. This has happened way too much for this to be coincidence and I think it's time to hold this bank accountable for the fraudulent way they defraud their customers and attempt to steal from hard-working, low-income people! How do we keep allowing these things to happen! I am also contacting an attorney about this because this is too much for me and I feel retaliated upon by this bank because there's so much more that they have done ( on record ) to my, it's ridiculous, even for today 's standards.
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 consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX AND : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX. XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX CAR : # XXXX, XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 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 reports by more than seven years.

15 U.S.C 1681-2 ( 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 am submitting a formal complaint regarding the inaccurate information reported on my credit report by Experian related to an account with XXXX XXXX. Despite submitting a dispute directly to Experian and requesting physical proof of verification under the Fair Credit Reporting Act ( FCRA ), I believe that my rights have been violated, and the inaccurate information remains unresolved. 

Account Information : Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Status : Paid, Closed Balance : {$0.00} Past Due : 120 days past due as of XX/XX/XXXX Details of the Complaint : Incorrect Reporting of Account Status and Payment History : The account is reported as 120 days past due as of XX/XX/XXXX, even though the account is marked as closed at the credit grantors request. I believe this is inaccurate, as a closed account should not be listed with any past-due balances. 

Payment History Discrepancies : The payment history shows delinquencies for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without clear evidence of missed payments. No documentation supports these delinquencies, and I am unable to verify these discrepancies with Experian. 

Failure to Provide Proof of Verification : Despite requesting documentation under the FCRA from Experian during my dispute process, I have not received the required proof of the inaccuracies. I requested that the negative entries be removed if they could not be verified, but Experian has failed to provide the necessary physical proof or remove the account. 

Request for Resolution : I am requesting the following : Immediate removal of the inaccurate information related to the XXXX XXXX account from my credit report. 
A full investigation by Experian into the accuracy of the reported information, and compliance with FCRA requirements. 
If the information can not be verified, I request it to be deleted from my credit report, as per FCRA Section 611 ( 15 U.S.C. 1681i ). 
This inaccurate information is harming my credit score and my ability to secure financial services, and I believe that Experian is not complying with FCRA guidelines. As a result, I am submitting this complaint to the CFPB for further investigation and assistance in resolving this matter.
Product: Credit card or prepaid card

I have been getting charged interest rates for a cash advance. I called capital one the day of the cash advance and asked how do I pay it off, and they said by just transferring the money it should be fine. I was still being charged interest rates for a couple of months. I called today, XX/XX/22 and asked for documentation as to where this information lives because its not on their website, its not in my account, its not in any source of information on the consumer side. They are saying it " could be '' in terms and conditions but they can't see my terms and conditions so they dont know. I spoke to 3 agents today who were all saying they had no documentation to share with me as to how payments are allocated, they could just mail me my terms and conditions. XXXX from capital one, agent no : XXXX was very rude as was the next account specialist I spoke with. They are hiding financial information from consumers to unfairly charge interest rates and fees that are not visible to the consumer. They could provide NO documentation or show me where this policy is notated because it is not notated on the consumer side. They are very vague in their documentation as to how you would pay back a cash advance on purpose to take advantage of their clients. I also provided screenshots of their website saying to check billing statements for our specific terms, and I have attached my billing statement where it does not show that policy at all. On the call, they tried to say the first paragraph under my billing statement shows that Cash Advances will be paid differently but it does not. It just shows that cash advances interest starts the day of purchase. They then switched and said it was in the terms and conditions that they can not see. Either way, it is clear they make it impossible for the consumer to know these terms before engaging with that service.
Product: Vehicle loan or lease

I was thinking about buying a house, so when i check my credit report i found several fraudulent accounts. There were too many for me to dispute at once. So I decided to first dispute the car loan because i'm confused on how someone can open up a car loan in someone else 's name. These are the fraudulent car loans on my account ; Two of the fraudulent accounts were open in XXXX. The first account is XXXX with the balance of XXXX, The second was XXXX XXXX XXXX with balance of XXXX, the third one was XXXX again which was opened in XXXX with a balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Caine & Weiner continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Caine & Weiner. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute ( see attached ). To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had over 6 months to respond to me, yet they have not. I submitted two letters to this company ( see attached ). In my first dispute letter to them in I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. In my second request, given I never received any notification from them with regard to the first dispute, I requested they provide a copy of the terms and conditions that may have changed over the course of the alleged debt as well as copies of documents that reflect my signature, and for them to also send me copies of any correspondence they should have sent me. They DID NOT. It is obvious that Caine & Weiner has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.
Product: Debt collection

Over 5 years ago, I took out a payday loan that was paid off. I do not have records of this transacation anymore and this has popped up all of a sudden and now this company calls me, my family daily. Honestly I feel this is harassment and I ask them to send me something in writing that shows I didnt pay and they can not. They have no proof of this.
Product: Credit reporting or other personal consumer reports

How did Transunion verify this account? 

How was a proper investigation done when NO NOTICE OF DISPUTE WAS PROPERLY ENTER ON my credit report? Attached proof at the bottom 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 I need to be provided with documentation that includes the Original Purchase Agreement, Terms & Conditions, Proof of ownership of the Original Creditor from each account. 

Or I will be suing for violations of my rights according to the FCRA 15 U.S.C 1681 section 602 A. States I have the right to privacy. DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT OR I WILL BE PURSUING LITIGATION FOR ACTUAL DAMAGES OF ARTIFICIALLY DAMAGING MY XXXX SCORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX & I'm a victim of identity theft. I want the accounts & inquiries that I did not authorize to be deleted from my credit report immediately. I have reported the theft of my identity to the federal trade commission. I have enclosed copies of everything. Please delete the accounts & inquiries immediately, please!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute and Demand for Removal of Late Payments from My Credit Report Account Number XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the late payments reported by [ XXXX XXXX XXXX on my credit report with TransUnion. I have been disputing this matter through the CFPB, and while I have received a report indicating that the information has been verified, I have not received any proof or detailed documentation supporting this verification. This lack of response, coupled with the lack of evidence, is a clear violation of my rights as a consumer. 
The late payments in question are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As you are aware, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, consumers have the right to a thorough investigation into reported information and to receive clear documentation supporting the accuracy of the late payments. However, TransUnion has not complied with these requirements, sending me only a credit report with no proof of the investigation conducted. This is not only a violation of the law but also a violation of my right to privacy and to accuracy in my credit report. 

Additionally, I already sent a formal letter to XXXX XXXXXXXX on XX/XX/XXXX, requesting the removal of these late payments due to the lack of evidence. I have not received any response within the time frame stipulated by law. This lack of response from the creditor further reinforces the lack of validity of the reported late payments. 
Under the FCRA, if the accuracy of the information on my credit report can not be verified, it must be removed. Therefore, I demand the immediate removal of these late payments reported by [ XXXX XXXXXXXX ] and the updating of my credit report to reflect accurate and positive information. 

If TransUnion can not provide evidence of the accuracy of this information or does not conduct a proper investigation, I will be forced to take further legal actions, including formal complaints with the FTC and the CFPB, which have already been filed. 

I expect a prompt resolution of this matter. If this issue is not resolved immediately and in accordance with the law, I will proceed with the appropriate actions to enforce my rights. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : Copy of the letter sent to [ Name of Bank or Provider ] Copy of the credit report showing inaccurate late payments Copy of the complaint filed with the FTC Let me know if you need any further adjustments.
Product: Credit card or prepaid card

5 Payments are missing or so XXXX XXXX state!

5 payments in the amount of {$1000.00} each were made to XXXX XXXX ( The same way each week via bill-pay from XXXX XXXX for the past 3 plus years ). Each week a payment of {$1000.00} was made. Each payment was electric from XXXX to XXXX some way for the last 3 years NO changes! It is set-up automatically for weekly payments. 

I noticed that my payments were not posted, so I called XXXX XXXX and they stated I did not make the payments. I called XXXX XXXX. XXXX XXXX and I called XXXX XXXX and once again they stated the payments were not made. XXXX and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. XXXX stated since no changes were made to the payments for the past 3 years they could not help me ( basically since I sent the payment the same way for the past 3 year with no changes electrically no fraud was found ). 

Below are the payments that are missing XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/XXXX
Product: Debt collection

Dear Sir or Madam, I recently received a letter in the mail from a collection agency called XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Phone # XXXX stating that I have XXXX outstanding collections, on XXXX/XXXX/2016 I faxed them some pass information showing where these XXXX collections were removed from my credit report ( See attached Information ). On Wednesday XXXX XXXX, 2016 I received XXXX letters showing where they have removed this information from my files from their collection agency, ( See attached letters ). The next point is This collection agency noted that these collections came from a company called XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX which is Capio Partners same address their Phone # to patient advocate is XXXX. I Received from my XXXX XXXX credit score showing that XXXX is reporting these XXXX collection of {$120.00} and {$110.00}. I am asking can you please help me to remove these XXXX collection from my credit report and get Capio Partners to stop harassing me. update my credit file within the next 30 days
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMEX XXXX
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. 

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 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 XXXX 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

Chase is my bank and I have a credit card with them ending in XXXX. In XXXX of Last year someone used my card fraudulently to order clothing online from XXXX. I have a XXXX and was in the hospital at the time and when we received packages we didn't order, XXXX allowed us to use labels in the packages to send them back for free, which we did. They acknowledged the return via email and said they issued a refund but then they never ever did. We have tried to work with Chase since they are our bank and XXXX won't reply but Chase refuses to help. We have opened these disputes as disputes and as fraud and the close the case every time without even contacting us. I have asked them on multiple occasions not to call since I am very sick but they continue to do that. 
This is ruining my credit. I have stopped paying on the card. 
I have read over the fine print of my credit agreement and by law they have to support legitimate disputes and fraud cases .I have proved with documentation that these are legitimate cases and returned. XXXX refuses to reply with the tracking numbers, however, they did reply with confirmation of the returns which is enough to credit my account but Chase refuses and now the charges are getting older and older and nobody is doing anything. 

I feel some of this is discrimination against the XXXX since I am fully XXXX and can not call in most days or answer the phones and they take advantage of that. I have saved all correspondence with them and proof and all the times they have ignored my pleas. I need help. 

Please help me. 

charges are all for XXXX.com XX/XX/17 {$190.00} {$140.00} {$82.00} {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Acct # XXXX XXXX  XXXX  XXXX Acct # XXXX, has violated my rights. 

XXXX5 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 State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX  Dispute of Non-Compliance and Non-Investigation under FCRA Dear Equifax and XXXX XXXX, I am writing to formally dispute the handling of my credit report as it relates to an account held by XXXX XXXX. On XX/XX/XXXX, I submitted a dispute regarding inaccuracies on my credit report, which should have prompted a thorough investigation per the Fair Credit Reporting Act ( FCRA ). 

To date, I have not received any correspondence confirming that my dispute was investigated nor have I been provided with the results of any such investigation. This lack of communication and compliance with FCRA regulations is concerning. 

I request that both Equifax and XXXX XXXX conduct a full re-evaluation of the disputed account. I expect a response confirming that my dispute is being investigated, along with relevant updates, within the time frame mandated by the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX [ XXXX with XXXX XXXX /Equifax
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 informationisinaccurate