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

On XX/XX/2023 I prepared a dispute in which I sent to Experian, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Since expediting this dispute it has been over 30 days and I have yet to receive a response to my dispute.The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) 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.

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
( XXXX XXXX XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. 
( XXXX XXXX XXXX XXXX XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. 
( XXXX XXXX XXXX XXXX XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. Experian, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in violation of my consumer rights and the law and the CARES ACT.
Product: Credit reporting or other personal consumer reports

I LOOKED AT MY TRANSUNION CREDIT REPORT AND NOTICED FRAUD INQURIES THAT I DID NOT AUTHORIZE.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the XXXX submitting this complaint and there is no XXXX  party involved. 
. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. XXXXi ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXXFailure to Notify Me of Investigation Results ( 15 U.S.C. XXXXi ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( 15 U.S.C. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX  ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX BANK XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Experian credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 someone attempted to open a new account under my name with Bank of America. I received a declination notice from consumer warnings. I called both consumer warning and Bank of America who put a flag notifying fraud.
Product: Credit card or prepaid card

We requested a chargeback with Bank of America for services and provided the supporting documentation. The bank declined our request, and we have been loyal customers for more than a decade. We needed their support on this matter and were completely let down by their judgment. We can provide any and all documentation related upon request.
Product: Credit reporting or other personal consumer reports

XXXX ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency If- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and USC 1681 ( li ) the information is, in fact, inaccurate. 

( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Below are the listed accounts that are not accurate and needs to be removed immediately per law : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Amount : {$5600.00} Inquiry stated below they need to be removed as well : XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXK, XXXX. 
XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine. I do not recognize this account and inquiries, and have never incurred debt with these creditors. I do not know where they came from. I do not have access to the documents related to this account, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Product: Credit card or prepaid card

There has been statements which have not matched my records and statements which have not been in accordance with the disclosures that GENESIS FS CARD SERVICES that I have received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b. 


The billing statement I received by GENESIS FS CARD SERVICES on XX/XX/2020 is a billing error. To clarify and addressed such subject matter contained in this billing statement I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in XXXX XXXX XXXX. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account. Also, I am putting all of the past from the date the account was open, present, and future billing statements in dispute also until I get provided the documentary I am requesting to clarify and address the matter. 



15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done GENESIS FS CARD SERVICES can not report late payments in accordance with regulations of the XXXX12 CFR 1026.13 ( d ) ( 3 ). If GENESIS FS CARD SERVICES reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b. I am disputing billing error on past billing, from the time the account was open, present, and future until you provide me with the documentary evidence I requested in this statement and therefore it is a violation for all the late payments you posted onto my reports so I need this updated immediately. 

GENESIS FS CARD SERVICES as the creditor may not collect any disputed amount, I the consumer does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by GENESIS FS CARD SERVICES will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for GENESIS FS CARD SERVICES for the actual damage caused to me as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error. 

with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S.Code 1666 ( e ).
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXXXXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by { CRA }. { CRA } has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. 
This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open Date XXXX XXXXAccount number XXXX account name- XXXX XXXX XXXX XXXX XXXXAccount number-XXXXaccount name XXXX XXXX XXXX These account is reporting error and have not been properly verified which this matter is a violation of my FCRA 605B ( 15 U.S.C. 1681c-2 ) I also have loan closed Student loan accounts that are reporting closed with a owed balance which is also a error and I have sent in dispute letter twice now which no update and validation so please verify all closed student loan accounts there should be no closed account with a balance on it. This is inaccurate reporting therefore please remove these accounts off my credit report and update it due to my FRCA Rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I've tried to fix the following problem twice and Experian only responds will a stall letter to me stating that they will reinvestigate this challenge. 
Please stop mailing me these stall letter templates just so your company can ignore following the consumer laws. 

Please mail me an updated copy of my credit report via USPS mail based on the results of this challenge and don't answer this CFPB complaint stating you will contact me directly because when you do all you is mail that stall letter template with no challenge dispute results. 

The Account that is being challenged is as follows ; Account Name : XXXX XXXX XXXX Account Number : XXXX CDIA regulator and compliance guidelines for XXXXredit Reporting Agencies using Metro 2 or Metro 4 formatting states the following guidelines on how accounts that were purchased from another company has to be reported.

If the previous lender 's account history is being converted to the new lender 's system and the account history can be verified, then the following has to be reported by the Credit Reporting Agency ; XXXX XXXX  Identifcation Number which is Identification Number reported by the previous lender XXXX XXXX XXXX  Account Number = Account Number reported by the previous lender Date Opened = date opened with the previous lender Account Status Code = appropriate code that specified the status of the account as of the Date of Account Information Payment Rating = of applicable of the Account Status Code being reported Payment History Profile = report payment history provided by the previous lender Date of Account Information = follow the standard guidelines documented in Field 24 EXPERIAN, Please provide proof that reporting by the purchases begin in the following month 's reporting period after the seller reported the accounts as sold. 

EXPERIAN, Please provide the FCRA Compliance/Date of First Delinquency since it was stated the account was delinquent or derogatory at the time purchase, report the date of the first delinquency with the previous lender. 

EXPERIAN, Please provide the K2 Segment Portfolio Indicator = 1 and Purchased Portfolio Name = name of the company from which the account was purchased EXPERIAN, Please provide the L1 Segement Change Indicator = 3, New Consumer Account Number = new account number assigned by the new lender, and New Identification Number = internal code that specifies where information will be verified by the new lender.

Also Note : CDIA regulator and compliance guideline for Credit Reporting Agencies using Metro 2 and Metro 4 states - IF A LENDER IS UNABLE TO OBTAIN THE DATE OF FIRST DELINQUENCY WITH THE ORIGINAL LENDER, DO NOT REPORT THE ACCOUNT!
Product: Student loan

Hello, The last payment i made on my student loan was in XX/XX/21 and i made it so the remaining Balance would be exactly {$65000.00}, an amount which remained {$65000.00} until XX/XX/21 when I logged in the Fedloan website to make a payment but I found that my balance had increased by {$.00} and now it is {$65000.00}. 

I crossed referenced with my records, the Federal Student Aid website and Credit Report that reports my balance as {$65000.00}. There is no interest being charged right now so i dont understand why this {$.00} appeared magically in my balance. 

I contacted Fedloan on XX/XX/21, The First person i spoke to said she had never seen this, so she transferred me to another person, which said the same, and then got transferred one last time. The Last person i spoke to said she had reached out to an specialist and said there hadn't been any changes done to my account, and that there was nothing to be done, and told me she would send me a statement of account through the mail, and told me to review and see if anything that didn't feel right to call back This is unacceptable, just raising your balance just because? The whole reason i called her was because i already found a discrepancy and all they did was to deflect. 

In summary... The value of {$65000.00} reflected in the Fedloan website is wrong, and right now i dont know if this a system error or a scam? How often do numbers just magically appear in loan balances without ones knowledge?
Product: Debt collection

XXXX XXXX XXXX and Collection Services of Athens have been falsely reporting to credit bureaus regarding account # XXXX. This account has been paid as agreed. If negative credit reporting is not stopped immediately, the appropriate legal action will be taken.
Product: Checking or savings account

On XXXX XXXX  2024 all my money was taken out of my account by a person representing a Chime worker in the amount of XXXX. I explain to the person that I kept getting {$2.00} transactions taking out my account 6xs by XXXX. He explained he was going to take care of this and that he would have to change my username ( XXXX ) when doing so he cleared out my account. I ended up finding out the real # for Chime customer service and explain to them everything, to the point I was in tears. I spoke with the supervisor and then the fraud department the lady explain that they been having complaints about this and that I will be able to get my money back. Now my dispute is denied and I'm taking my case to XXXX If I don't get justice then I'm going to have to take this to court and seek more money for pain and suffering. I live paycheck to paycheck I can't afford to let my money just go like that from someone who I thought was a Chime representative and who was suppose to help my situation. 
Everything I sent even the police report states I was scam by someone who represented themselves as Chime. All I want is my {$1400.00} back into my account. Any bank wouldn't have no problem giving their clients money back if it was scam out of it. Chime is Not Trying to give me my money back. I'm not going to stop until I get justice and refunded back. The next step will be the News Station then Court. If I take it to court I will be seeking more money for all this aggravation.
Product: Credit reporting or other personal consumer reports

Experian needs to fix the inaccurate reporting on my credit file regarding my XXXX XXXX XXXX account ( Account # XXXX ). Experian falsely reporting my payment status as Paid, was past due 30 days two or three times, while both XXXX and XXXX correctly report the status as Paid or Paying as Agreed. Experian 's version is wrong, misleading, and needs to be corrected immediately. Additionally, you are showing late payments for XXXX and XX/XX/year>. This needs to be corrected. Under 15 USC 1681e ( b ), Experian is required to maintain accurate reporting, yet you continue to misrepresent my payment history. Under 15 USC 1681i, I have the right to dispute errors, and you are obligated to investigate and correct them.
Product: Debt collection

Twice I've written letter to Enhanced Recovery Company and I've never received anything from them in the mail! They are still reporting the item on my credit despite my many attempts to find out why they are there in the first place! They are not allowed to report a disputed debt. They must provide validation when requested. They have standards that they are not committed to and you are supposed to help! PLEASE HELP ME!
Product: Debt collection

Collection statement received in reference to Hospital Bill from 2 years ago. Contact without identifying the company they are  calling from. Threats to credit for not cooperating. Id like medical records to verify I had these procedures completed and that this is my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and transunion have assisted XXXX in making my life extremely difficult to live for the last few years. Theyve done this by reporting false late payments on my consumer reports which led to my scores dropping from the low 700s to the mid 400s. This has in turn affected how lendable I am in a negative way and has prevented me from getting a house, a car, credit, cards or even bank accounts. Its scary thinking about all the sleepless nights Ive had due to this particular issue. The consumer reporting agencies have violated my rights as a consumer under title 15 Chapter 41 Credit reporting agencies section of the US Code.