23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by MIDLAND CREDIT MANAGEMENT, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by MIDLAND CREDIT MANAGEMENT , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand MIDLAND CREDIT MANAGEMENT, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New JerseyXXXX It has come to my attention that MIDLAND CREDIT MANAGEMENT , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Credit reporting

I have contacted Equifax multiple times in regards to inaccuracies on my credit file. 

When I take advantage of the free credit report via XXXX ; I am told that I have not provided sufficient information to access my credit file.I am told I will need to send a paper request in to Equifax. A process that I have done XXXX. Each time I receive a letter back that my information does not match what is on my credit file. 

I managed to talk to a lady to start a dispute process which allowed me to view a little of " my '' credit file - to which I discovered that they have placed numerous items on my credit file which are not mine. 

I am XXXX years old and have never taken a loan out for anything. I have no credit cards. And I have only performed XXXX credit check to get a starter loan. Which is how I discovered this problem to begin with. 

They have mixed my sister 's name, and my name together. They have My first name, her middle initial, my last name ( she is married ), and her birthday. Along with the numerous items on my credit that are n't mine. 

I have provided them with multiple copies of my driver 's license ( South Carolina issued ), my Social Security card ( I have contacted the SS office and verified that only XXXX card exists for that number and I have it in my possession ), and a valid check stub from my current employer ( XXXX ). I have included a brief letter stating that they had my sister 's information and my information mixed. As to which their response was that I needed to send the EXACT information that I had sent with the same letter. 

I have ran out of options and have contemplated contacting a lawyer to speak on my behalf. I was provided the information to contact the CPB via a reference from my sister. 

Any help and guidance is greatly appreciated at this point. I am currently wanting to move forward with my life, but I am unable to do so because of this problem. 

Thank you
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, 15 USC 1681e ( b ) Accuracy of report, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX # XXXX ], are not complete and accurate. 

In addition to 15 USC 1681e ( b ) according to 15 USC 1681s-2 ( a ), 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

Ive filed numerous disputes with Experian for accounts that were paid in full and the creditor gave documentation that the accounts were paid off and any negative information was to be removed as agreed upon however Experian refuses to remove the information and continues to mark it as updated information with incorrect payment history and status. Even with the submitted documentation from the original bank/creditor experian will not update or remove any of the information. Ive seen many articles and forums online from people claiming Experian has done the same exact thing to them. Both XXXX and XXXX removed the information once the supporting information was included in the dispute, Experian simply refuses to update it correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Misled on enrollment and loan. The individual at the college was not truthful and honest about taking the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 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 ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Experian about five months ago because my FICO score appeared to be incorrect. They adjusted it but it seems like I'm having the same problem again and no one is available to discuss it. For the past three months my score has remained at XXXX due to usage of available credit between 2-3 %. My balance was between {$650.00} and {$350.00}. During that three month period my score dropped with XXXX from XXXX to XXXX. When I paid my bill down to {$81.00} XXXX raised my score to XXXX. Experian dropped it from XXXX to XXXX. No one available to tell me why. I feel like it's retaliation for previous complaints filed with CFPB as well as not joining there paid service to increase my score. 
This is unacceptable. I work hard to increase my FICO score and they can drop it any time they please without explanation?. I expect a change in my score if I use available credit but not if I pay it down. 
My score was XXXX, they dropped it to XXXX something. After my complaint to CFPB it was adjusted to XXXX, then XXXX. At this rate I will never reach XXXX which is my goal. THEY ARE DOING THEIR BEST TO PREVENT THAT FROM HAPPENING. PLEASE HELP
Product: Credit card or prepaid card

On or around XX/XX/XXXX I submitted a Citi Price Rewind request for a XXXX XXXX console that I purchased on XX/XX/XXXX for XXXX plus tax. The advertised price I found was on XXXX for XXXX plus tax. The lower price included the date, website screen shot, item description, and sales price -- all of the information listed as required by the Citi Price Rewind Terms and Conditions. The response I got back was that my request was denied because they could not find a lower price -- despite the clear evidence that I submitted to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX and the reason for me writing to you today is to complain about TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting or other personal consumer reports

I inquired about a XXXX XXXX. WARNED finance supervisor NOT to run my credit more than ONCE as my credit is great and will approve. He SWORE he would not. Name : XXXX. Finance XXXX. I was notified SAME night XX/XX/XXXX my credit report showed XXXX hard inquiries!! I called them early next morning. XXXX told me it was a mistake a new employee hit the button and sent to multiple banks. He also stated we are so sorry this was handled so poorly it was our error. Report this to the credit bureaus and we will agree once they contact us. I am sorry but this WAS done very sloopy and we will help you fix it as I was made aware you INSISTED your credit NOT be run I have ALL of this in a text message as well. It is XXXX. XXXX. XXXX removed XXXX on my report. Transunion advised I must file first with CFPB then send confirmation to them and they will remove
Product: Checking or savings account

I went today to a PNC branch and they told me my account was closed. I asked them last week to addition my husband in the account. They didnt provided any explanation why they closed my account. They said I will receive a letter in 10 days with a check. I need to pay bills right now, not in 10 or more days. So this is causing me a lot of troubles and inconviniences not to mention to losing my time and patience. I need an explanation and my money back immediately.
Product: Credit reporting or other personal consumer reports

Pursuant to XXXX XXXX XXXX, I owe no debt. And upon looking at my credit report I noticed According to the FCRA a consumer reporting agency shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about who the credit report relates. And according to XXXX XXXX XXXX, 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 the info is not accurate. ACCOUNT ( 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: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 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 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

To : Experian XXXX XXXX XXXX BANK Account # XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT REMOVE THIS INCOMPLETE & INACCURATE ACCOUNT DUE TO VIOLATIONS OF THE FCRA ACCOUNT IS NOT % XXXX COMPLETE AND ACCURATE ACROSS ALL CREDIT BUREAUS!!! Closed Date : XX/XX/2023 IS WRONG DATE!!! INACCURATE The " Closed Date '' on this Account is Completely Wrong, its over a year off, They Changed my Closed Date Multiple Times Negatively affecting the Time it stays on my report. ACTUAL REAL CLOSED DATE IS XXXX THEY CHANGED CLOSED DATE TO XX/XX/2023, THEN THEY CHANGED CLOSED DATE TO XX/XX/2023. 

Two-Year Payment History : INACCURATE & INCOMPLETE The absence of information in the " Two-Year Payment History '' section is notable. If there have been payments or activities within the last XXXX years, they should be accurately reported. 

Dispute Status : INACCURATE & INCOMPLETE Dispute Status says NOT IN DISPUTE, even though I Disputed this account countless times due to WRONG CLOSED DATE & other Inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
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 XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : 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 information is inaccurate.
Product: Credit card

I have requested afterpay over and over to remove my banking information and to close my account. They keep sending me in circles about it. I would really like my banking information removed and my afterpay account to be closed.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. I contacted Credit Acceptance corporation, as my credit report shows an account through them as a repossession that is not mine. The Company Requested me to provide information related to the identity theft. I provided everything they needed from me, and refuse to remove this account from my credit report stating I did not provided enough evidence. Im attaching the communications I had with this company as well as all the information I provided.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to Volkswagen XXXX XXXX to buy new XXXX XXXX in order to trade my XXXX XXXX based on their website estimate of $ XXXX to trade. I asked several times to trade my car with this number and XXXX and XXXX kept saying thats just internet estimate and the number is not real and just their website example. I asked numerous times to get closer to XXXX but they low balled me to {$13000.00} saying that price is that is worth for my car and that is what they trade it for. The finance manager just said that was the price too even I said it was worth $ XXXX based on their website calculations and other dealerships. On top of that it was late Saturday night at XXXX and I was tired and hungry the finance manager kept saying that warranty was needed after 3 years and that was what purchased normally. I felt pressured to buy the warranty and he said he added for free paint warranty when in fact I did not get it for free because he added it the warranty to look like I got it for free. XXXX XXXX tricked me in getting the warranty because paint was free added. He lied about that too. They lied other websites are calculating a trade worth of $ XXXX. A few days later I find out exactly from their website that they are reselling my car for $ XXXX. I called today XXXX to tell them they lied to me on giving false information that my car was worth {$13000.00} when they are reselling it for $ XXXX. I asked them to refund me the difference of trade that I should have been made to trade. The difference is {$3700.00} refunded back to me. I also said I can sell it somewhere else but they wanted to work with me and negotiated only {$250.00} more for the trade and said they would not be able to trade at $ XXXX. That is exactly a lie since they did put the worth of the car over $ XXXX. I want to get a refund for the trade difference. 
Please call me instead as it is not well written to explain my experience. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back in XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, this account is not accurate XXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, this account is not accurate They have not responded to me Can you look into this matter
Product: Checking or savings account

Account was frozen due to complaint about funds being held, I was told to send them a copy of my social security card, my driver 's license and a copy over a fax line, I explained that this made me uncomfortable and it was not secure, I told them I could verify through XXXX. or another secure means, this company has held my money over a year, with no resolution after several attempts, the company has processed me through the XXXX and no communication available is the United states, the personal have been rediculaess to communicate with, as they laughed about holding funds
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN continues to violate my consumer rights by illegally and improperly reporting inaccurate information on my consumer file! Ive continuously tried to work with EXPERIAN and have the issues corrected, but EXPERIAN continues to ignore all of my notices. Ive recently sent EXPERIAN an AFFIDAVIT OF NOTICE FOR VIOLATIONS! EXPERIAN is intentionally neglecting my rights and are now civilly liable pursuant 15 USC 1681n in the amount of {$1000.00} per violation outlined in my affidavit.
Product: Debt collection

I have been dealing with this collection for a few years now. Due to this, I pay to have my credit monitored. I have contacted all the bureaus and hopping through hoops eventually gets removed. However, due to this there are times my credit has dropped nearly XXXX points. The collection company Enhanced Recovery realized that this account did not belong to me, but to my father, which unfortunately for me we have the same exact name. I work hard for my money and always pay my bills on time. I have a letter from Enhanced Recovery, stating they would delete this, which they have but time and time again but repeatedly keep reporting this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get these accounts verified through Equifax and they keep telling me they are verified when I know that there is no contract on the accounts and that they are in violation of my hipaa rights. account # XXXX and # 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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : 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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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.