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

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following elements from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear Equifax [ Credit Reporting Agency ], Delete : XXXX XXXX XXXX because it was not validated within 30 days I would like to address the issue of the delay in responding to my initial dispute. As stated in my previous communication, the FCRA Section 611 ( a ) ( 1 ) ( A ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a consumer 's dispute. It is evident that the response I received from Equifax [ Credit Reporting Agency ] was well beyond the mandated 30-day timeframe. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days While I acknowledge that non-monetary relief has been provided by allegedly verifying the reported information, I must emphasize that the delay in responding to my dispute still constitutes a violation of my rights under the FCRA. This violation has caused me damages and harm, as outlined in my previous letter. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days Therefore, I maintain my demand for monetary relief as compensation for the violations committed by Equifax [ Credit Reporting Agency ] . I believe it is fair and reasonable to seek [ {$27000.00} ] as monetary relief for the damages I have suffered. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days I demand that you provide appropriate monetary relief in accordance with the FCRA. I expect a prompt response to this letter within [ 10 business days ] from the date of receipt. Failure to provide a satisfactory response or to offer appropriate monetary relief may result in further legal action to protect my rights under the FCRA. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days Please be aware that I am keeping a record of all correspondence and actions related to this matter. I am prepared to take necessary legal steps to ensure that my rights are upheld and that appropriate remedies are provided. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a formal complaint about the financial distress and hassle I've been dealing with TRANSUNION, XXXX, and XXXX. I've been trying to get in touch with them to sort out some issues on my credit report, but it seems like they're completely ignoring me. I've sent them dispute letters on XX/XX/2023, XX/XX/2023, and XX/XX/2023, but they haven't bothered to respond or do anything about it. This lack of response is not only super frustrating but also putting me in a tight spot financially. These inaccurate BANKRUPTCY reports on my credit report are making it ridiculously hard for me to apply for credit, loans, and other financial stuff. And guess what? I even got a letter from the Bankruptcy Court XXXX XXXX XXXX XXXX saying that they don't verify information to the credit reporting agency. How messed up is that? I really think it's time for the CFPB to step in and investigate how TRANSUNION, XXXX, and XXXX are handling things. They seriously need to be held accountable for their lack of response and take immediate action to fix the inaccuracies on my credit report. I've included copies of all the important documents, like my previous letters to TRANSUNION, XXXX, and XXXX, and that court letter. I'm sure this evidence will back up your investigation.
Product: Debt collection

I have an unverified account from IC SYSTEM, INC. I had previously disputed this account. I have never done business with IC SYSTEM, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC SYSTEM, INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM, INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

On Saturday, XX/XX/2019 I received a certified letter in the mail from Hampton & Hampton Collections LLC attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. 

I located an email between my husband and this Homeowner 's Association advising that we have a rental management company, but not directing them to send HOA statements there. 

On Monday, XX/XX/2019 I called the number of the HOA and spoke with XXXX. He said that he sent the statements to the address we provided for the rental management company and didn't hear back, so he took it to collections. He said that in some cases the mail sent was returned. 

I asked why they didn't contact us instead because we would have been happy to pay immediately. He said it was against their collection policy and State Law. He said it was because we directed him to send it to the rental agency, which we did not. I have the email, which the HOA acknowledged. He, in fact, had our email addresses. He also had our current mailing address, as we received the certified letter here. 

I told XXXX I wanted to pay the amount we owe today. He said he wouldn't tell me how much we owe and wouldn't let me pay because the collection agency has it. I asked why he couldn't tell us how much is on our ledger with the HOA and he said that it was against policy. 

I asked him to send me a copy of the policy and the law, and he has not done so. 

In short, we have a debt taken to a collection agency without ever having received a statement. I have never paid a bill late in my life and am willing to pay this now. They not only did not contact me, but are not allowing me to pay my bill and are impacting my very high credit rating.
Product: Credit card

I filed bankruptcy and it was discharged on XX/XX/2017. I signed up on XXXX XXXX and while looking around this ad from capital one pops up stating apply to help improve credit score with a {$300.00} credit limit. I 'm thinking ok ... I can use this and applied. Received card and tried to activate. A prompt came up tht there had been fraudulent activity and I had to speak to a customer rep. I 'm thinking how is tht possible since I had just applied and received card. Well this lady came on phone and stated she had to verify my information. I said I 'm confused because the card had not been activated so how is fraud possible. She said there is no fraud we just need u to verify some info so I will put u on hold so I can look up some public record info ... at b this time I 'm really confused so she comes back on and states I need to send additional info like drivers license ss card and utility bill. I asked was this because I filed bankruptcy and she stated yes so I told her u can keep the card and close the account. My issue is I feel somewhat discriminated against. If u are putting your ad on XXXX XXXX to help reestablish your credit what do u expect. Needless to say they wo n't receive my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX XXXXXXXX reporting inaccurate amounts i provided information beforehand Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
Product: Credit card

-XXXX  Credit report showed Truist Credit card opened XX/XX/XXXX with Georgia address. Neither card nor address are mine. Strangely, nothing has been charged to this account since it was opened. 
-Contacted XXXX who could not remove without Truist action. 
-Contacted Truist 3 times ( XX/XX/XXXX, XXXX and XX/XX/XXXX. Spoke with Fraud person in XXXX who confirmed my SS # was used and said would handle. I have spent XXXX hours ( most on hold ) on this issue. BTW, it is very difficult to navigate Truist contacts ( wrong phone number on XXXX site ) ; how does one get a card removed for which you do not know the number because it is fraudulent and therefore don't have the card? Obvious overseas call centers requesting one 's SS #! Frustrating! 
-Enrolled in XXXX XXXX XXXX XX/XX/XXXX. 
Received XXXX  email XX/XX/XXXX saying Dispute was completed and to check Credit Report. Checked credit report. Truist card and associated GA address are still listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -I am filing this with the CFPB to 1 ) make official written record ; and 2 ) hoping CFPB can help.

Thank you.
Product: Credit card

Please see the attachments. This issue relates to discrimination for exercising consumer rights. The photos attached are of what I see when I attempt to login to the XXXX XXXX website now. It appears that since I have taken photographs of the secure message center messages and provided them in previous complaints, that XXXX has restricted my access to their site all together. Just another classic example of their discriminatory actions. As you will see from the screenshot messages converted to PDF ( previously just sent as XXXX file in previous complaint ), there are no " XXXX  ''. Filing a complaint is a right that I have as a consumer when my rights are being violated. Especially those rights which are in place to protect me and other consumers from discrimination such as this from XXXX.
Product: Debt collection

On XX/XX/2021 I received a letter from National Enterprise Systems informing me that they were attempting to collect an alleged debt in the amount of XXXX. The letter states that the current creditor is XXXX XXXX  from XXXX XXXX XXXX. I have never lived in XXXX nor attending a school in XXXX. I have sent National Enterprise Systems a dispute via certified mail requesting validity of the alleged debt along with a demand to cease and desist all communication and collection activities. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last month to Equifax and also filed a CFPB complaint, but the account Tenant Track is still reporting on my credit report. Equifax replied that the account is not reporting on my account, but I have attached my credit report showing the account. Equifax has the name on the account as something different that may be the reason, they assume that it isn't reporting. If they conducted a real investigation, they would have known that the account is inaccurate. How can the bureaus report different information for the same account when all data furnished should be the same? The account has been paid, and I originally had an agreement with the original creditor to remove this account once paid. I am not in the business of credit, so I had no idea that my account was sold. This still does not give the company XXXX XXXX a right to ignore my requests. I sent a letter XX/XX/22 asking for the company to remove this account not only because of the original agreement, but because the amount on the collection is different than what the original creditor has. I also asked for validation but was not provided that information. This company also does not have a license in the state of Texas to collect any debt. They also do not have a legitimate website and so I am confused how the collection reporting agencies are allowing a company that is not verified to furnish data. There are many FDCPA and FCRA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company. Please see the attached credit report showing the account that Equifax claims is not reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

These jokers ignored multiple requests from us to get a copy of whatever it was that they sent to XXXX XXXX  which caused XXXX XXXX  to deny us a credit extension request.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XX/XX/XXXXXXXX XXXX XXXX XXXX BALANCE {$650.00} Reported XX/XX/XXXX XXXX XXXX XXXX  BALANCE {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$40.00}. Please update.
Product: Credit card

The Chase sapphire preferred credit card charges a {$95.00} annual fee and the largest advertised benefit is a {$50.00} annual hotel credit. I made an eligible purchase in XX/XX/year> that would automatically qualify for this advertised {$50.00} credit, but it did not apply to my statement. I have called the customer service number five times in the last six months trying to get resolution on this credit. Each time I have called, the representative has confirmed that I made an eligible purchase for this credit and the credit would apply in one to two billing cycles. I also received a letter in the mail confirming this back in XXXX. Every time I called, I kept being told to wait one to two more billing cycles. Six months later, this credit still has not applied. Chase is about to charge me {$95.00} for the annual fee for the next year without providing the benefits advertised for the last year. I want to cancel the card before the annual fee is charged, but I can not cancel it until I get the {$50.00} credit from last XXXX or I give up this amount. I do not think this is right and this is false advertising by chase. This also would have an impact on my credit score if I have to cancel this card due to false advertising of the {$50.00} hotel credit that is never applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX I have sent several letter to the bureaus disputing this information for it is not mines. 

XXXX Acct # XXXX I have sent several letter to the bureaus disputing this information for it is not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards with American Express and XXXX. While no accounts were established the application left fraudulent inquiries on her credit reports from both American Express and XXXX. A formal dispute was sent to each bank concerning the fraudulent matter ( XX/XX/2018 ) however as of this date neither bank has notified my client of the outcome of the investigation which is an FCRA violation.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my 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 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

My complaint is with Equifax. I have applied for refinancing my home mortgage with XXXX XXXX XXXX XXXX. They need to have all three credit agency reports to process my application. I had previously requested a credit freeze with all three credit reporting agencies in about XXXX to protect myself from Identity theft and had a problem only with Equifax to lift my freeze. They told me that they could not lift my freeze without my answering the security question of : " When did you a apply for your credit bureau freeze? '' I believe it was in XXXX, when I was advised by XXXX to protect myself from Identiy Theft. Equifax asked me what month. I had told them on Monday, XX/XX/XXXX that I thought it was XXXX, when that was not the right answer, I said it could have been XXXX. That was not the right answer, so today I said XXXX. When that was not the right answer, I said that I will file a complaint with the federal agency which regulates them. Then the lady very nicely told me that I would not have this problem if I applied online to lift my security freeze. I was very happy to know this and I thanked her. When I went online to myequifax.com today, I was asked for my father 's middle name. My father 's middle name is XXXX, but I was told online that was not the correct answer. I am XXXX years old, and I have known that my father 's middle name is XXXX since I started kindergarten. How does Equifax know that my father 's middle name is not XXXX? I have had only one father my whole life! It should not be impossible to have my Security freeze lifted.