23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XX/XX/year> [ Recipient Name ] EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Negligent Noncompliance under 15 U.S. Code 1681o Dear EXPERIAN, I am writing to formally dispute a matter involving negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o. This section addresses civil liability for negligent noncompliance by entities that fail to adhere to the provisions set forth by the FCRA. It has come to my attention that several accounts related to my credit report appear to have been handled negligently, resulting in potential violations of the FCRA. 
The following accounts are the subject of this dispute : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( Note : This appears to be a duplicate listing. Please investigate and correct this issue. ) XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX The discrepancies and/or issues with these accounts have led to significant harm in terms of credit reporting and financial stability. As per 15 U.S. Code 1681o, negligence in complying with the FCRA requirements can result in civil liability, including actual damages, statutory damages, and potential punitive damages. The parties listed above have either failed to provide accurate and timely information or have not properly investigated disputes as required by law. 
Specifically, I am requesting that you investigate the following : Incorrect reporting of account information Failure to correct disputed information in a timely manner Failure to update or verify the status of accounts, especially as required by FCRA guidelines I urge you to resolve these disputes and correct the errors associated with these accounts in accordance with the law. If this issue is not resolved within the 30-day investigation period stipulated by the FCRA, I will pursue legal remedies under 15 U.S. Code 1681o, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking civil damages. 
Please confirm receipt of this letter and provide a response outlining the corrective actions your organization will take. You may contact me directly at XXXX XXXX XXXX or XXXX for any additional information or documentation. 
I look forward to your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Recieved letter in mail on debt. I pay my bills! XXXX crefit score over XXXX  years. Talked to lady said that was paid two years ago and not my debt. Insurance handled. She got mad hung up. Two days later showex as collection on my credit report. Malicious and illeagal.
Product: Credit reporting or other personal consumer reports

unauthorized credit inquiry no credit or service received fraudulent activity fora 15usc 1681 1 ( 5 ) ( A ) inaccurate information causing damage to profile and opportunity information dispute XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX PH - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX PH- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I thought the matter was settled months ago but after speaking with XXXX  I was notified that they have no record of COAF contacting them with a letter of deletion. This company is FRAUDULENT LIARS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this follow up today as to make sure that Experian Bureau would not miss my request for credit inquiry removal for this issue : XXXX XXXX XXXX XXXX XXXX. Again, I do not recognize this inquiry and the bureau states they verified this inquiry and I know they didn't because the numbers that are associated with this inquiry is no longer in service and they will not send validation letters for this inquiry. Please make sure that the mentioned inquiry will be fully removed from my credit file.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello,I have reached out to Equifax several times regarding these inquiries by mail and phone. I have also contacted the creditors like I was advised to, and there telling me to contact Equifax, so I don’t know what else to do, here Is a list of the inquiries:Equifax or WHICHEVER CREDIT BUREAUS holding the inquiries XXXX XXXX XXXX XXXX, GA XXXXI am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed MULTIPLE credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or gave permission to the following companies to access my credit by way of a signed authorization bearing my signature. If unable to do so, please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit.The FCRA states that the only permissible purpose for pulling someone’s credit is for:A. Firm Offer of CreditB. InsuranceC. EmploymentD. Court OrderThe following credit inquiries are not related to none of the aforementioned permissible• XXXX XXXX XXXX- (XX/XX/XXXX,XX/XX/XXXX)• XXXX XXXX-XX/XX/XXXX•  XXXX- XX/XX/XXXX, XX/XX/XXXX• XXXX XXXX XXXX (XX/XX/XXXX)•  XXXX/XXXX (XX/XX/XXXX)• XXXX XXXX-(XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX)• XXXX XXXX-(XX/XX/XXXX)Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.Sincerely, XXXX XXXX
Product: Debt collection

Trans Union, and XXXX XXXX XXXX violated my consumer rights under code 15 U.S.C.1681c2. They allowed a debt to be furnished on my consumer report that I didn't give permission to, nor do I have any associations or contracts with this debt collector. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .IN THE AMOUNT OF {$930.00}
Product: Debt collection

Columbia debt collection is running an illegal debt collection business and breaking every section FDCPA. The latest is they refuse to tell me who theyre collecting the debt for. They keep saying theyre collecting for one company and then sending a ledger and agreement as verification of debt for a completely different company. Ive called multiple times and asked which company theyre trying to collect for and they have told me they do not know.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information on my credit report that was recently obtained without my consent. Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to your agency. 
Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history.

I request that you investigate this matter further and provide me with documentation proving that I gave consent for the credit report to be conducted. If you are unable to provide such documentation, I ask that you remove the erroneous information from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Product: Credit reporting or other personal consumer reports

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. 

15 U.S.C. 1681i ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) states that if a consumer reporting agency ( CRA ) finds disputed information in a consumer 's file to be inaccurate, incomplete, or unverifiable, the CRA must either remove the information or modify it. The CRA must also notify the consumer and their employer if they update the consumer 's report.

Under 15 U.S. Code 1681e ( b ) Accuracy of report The statute also applies to the reinsertion of information that was previously deleted from a consumer 's file. In this case, the person providing the information must certify that it is accurate and complete, and state that the re-reported material was deleted as a result of a reinvestigation under 1681i ( a ) ( 1 ). The FCRA also prohibits CRAs from reinserting disputed and removed account information. 

Please remove the following items on my credit report immediately : XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is my right to use the Fair Credit Reporting Act Law to protect my consumer report rights to privacy and confidentiality. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX My consumer rights were violated with incorrect reporting on this account. 

Consumer Law 15 U.S.C. 1681 Sec. 602 A. States my rights to privacy.

15 U.S.C. 1681 Sec. 604 A Sec. 2 : States that the consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 c. ( a ) ( 5 ) 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 7 years. 
15 U.S.C. 1681 s 2 ( A ) ( 1 ) A person SHALL NOT furnish ANT information relating to a consumer, ANY consumer reporting agency if the person KNOWS or has reasonable cause to believe the information is inaccurate.
Product: Student loan

Loan # : XXXX. The loan I took out in XXXX with Sallie Mae was setup as a variable interest rate private loan. The orginal interest ( SEE ATTACHED ) was between 9 % and 10 %. The interest rate may vary based on the current market flux. ( SEE ATTACHED ). That said, I have paid the loan since XX/XX/XXXX, making {$140.00}, {$32.00} of which is in interest. That totals roughly {$5800.00} in total payments on a {$7000.00} loan. Somehow, i still owe {$3700.00} to this day .That is probably because I am paying {$32.00} in interest. Thats 22.8 % interest. Not 10 %, like my promissory note states. I have complained to them that a REASONABLE consumer would not be able to determine how they came up with this but this is the formula they use they told me. Interest rate is calculated at {$390.00} interest annual divide by 365 days= $ XXXX 31 days in billing cycle. Monthly interest. {$33.00} XXXX. XXXX. A REASONABLE consumer, and an HONEST government agency such as the CFPB, should see that this is a PREDATORY lender, and that they are being dishonest, and are robbing me off my money and livelihood. This effects the economy, as I am now going to end up paying almost {$15000.00} when this little loan is paid off. I want a reasonable rate restored, or the loan forgiven. ( 10 %, which is what my promissory note states ).  My hope is that as a Federal agency, you will see how Sallie Mae has deceived me, and so many others into believing that they are paying a variable interest rate, not a made up arbitrary one using a formula that is NOT stated anywhere in the promissory contract, which they claim is calculated by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's atrocious system of verification has caused me no end of problems and difficulties trying to obtain an auto loan. As a result, I have had to rent a car for over a month totaling rental fees of over {$1000.00}. 

They MUST develop a better system of identity verification instead of refusing consumers their free Experian credit bureau report AND refusing to unfreeze reports when consumers are attempting to obtain needed loans. 

Perhaps this is occurring because I routinely turn down their repeated requests ( or offers ) to upgrade my Experian account to their costly premium service? I don't think they should be asking me this every time I log in. ( By the way, why are they able to identify me correctly every time I log into the Experian website but refuse to unfreeze my reports when I need to apply for credit?
Product: Money transfer, virtual currency, or money service

I still have not been able to get the funds in my PayPal account out of PayPal. It is not day 2 Ive had to report this. I have had assistant call to fix issue once again PayPal has done nothing.
Product: Credit card or prepaid card

American express gift cards. My wife has about {$3000.00} in XXXX XXXX gift cards from being in a XXXX XXXX company for being a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The cards are almost impossible to use. Tthe XXXX company is impossible to talk to [ XXXX ] or text/email to. The print on cards is too small to read. Just XXXX XXXX XXXX fraud.
Product: Bank account or service

Citigold customer service has sent a letter denying my {$400.00} promotion for opening a savings plus account and depositing XXXX with them. Every representative officially has confirmed that i should be getting the {$400.00} promotion in my account. I am including proof of that as well. My frustration is that after waiting for 6 months, citi has declined paying out the promotion. I would like to be compensated for all the inconveniences in additon to the {$400.00} promotional offer.
Product: Checking or savings account

I had a CD opened with Citibank which matured in XXXX and I closed it on XX/XX/2023 and asked Citibank to issue me the check. Till date Citibank has refused to issue me the check even after multiple reminders. I have called numerous ( atleast 8 times ) times and also send them letters requesting them to repatriate my money, however they keep telling me that they will look into the issue without doing anything about it. Also, their customer support gives me conflicting information- on some day they would say that the check would be issued via overnight courier, and on other days they would tell me that there is a problem in their backend system. The outcome would remain the same and no check would ever get issued by them.
Product: Checking or savings account

Sofi bank advertised a 4.6 % APY for savings account after you set up a direct deposit. At first they gave my the 4.6 %, but after 2 months, they reduced it to 1.2 %. They said I wasn't meeting the terms of the agreement. When I called then bank yesterday they said that I didn't have direst deposit set up. I told them I did, but they said that my employer incorrectly coded it as a " deposit '' and not a " direct deposit. '' They told me they would put in the paperwork and that it would take 1-2 months to correct it. 

But I have other banks that use the same system for direct deposits, and they are correctly coded as " direct deposit ''. Sofi bank is using this as an excuse to cheat people out of the percentage they advertise. 

Using the same reasoning they also did not give me my sign on bonus for my checking account.
Product: Credit card

I am filing this complaint regarding TD Banks handling of a fraud claim associated with my debit card account. Specifically, TD Bank denied my dispute of an unauthorized transaction despite substantial evidence provided. 

The details of the disputed transaction are as follows : Case Number : XXXX Post Date : XX/XX/2024 Amount : {$190.00} Merchant Name : XXXXXXXX XXXX  This transaction was not made or authorized by me. I provided TD Bank with evidence, including : - Proof that the shipping address was altered after the order was placed. 

- Documentation showing that the order was delivered to an unauthorized address and received by someone other than me. 

This transaction was part of a group of nine fraudulent transactions on my account over a two-week period in XX/XX/2024. TD Bank initially denied two claims for all nine transactions. On my third attempt, the bank approved reimbursement for eight of the nine fraudulent transactions but denied this one. The denied transaction shares similar fraudulent characteristics as the others. 

Additionally, at no point during the banks investigation of these claims did anyone contact me to ask questions or request additional information. This lack of communication prevented me from clarifying the circumstances or providing further evidence that could have supported my claims. 

I also believe TD Banks fraud detection systems should have flagged several of these transactions as potential fraud. These purchases were made at merchants I have never patronized before, and some were for significant amounts of money. The banks failure to identify these as suspicious contributed to my account being compromised. 

I have been a loyal TD Bank customer for nearly 30 years and have always trusted the bank to safeguard my account. This experience has left me disappointed and questioning the reliability of TD Banks fraud protections.
Product: Debt collection

I 've had this company call my work after i 've told them that I cant receive call at work1 I 've even given them my correct number to call me at but they keep on harassing me at work and leaving messages to my coworkers. ic system
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. 
I am victim of identity theft ** I DO NOT CONSENT TO E-OSCAR **
Product: Credit card or prepaid card

Best Buy Store Card issued by Citibank has been charging consumer a " debt '' protection charge every month. I have cancelled and called the department many times and they always give me the run around or they are out of order having " technical '' difficulties and can not receive calls. I never signed up for this service and they have been charging me for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed bankruptcy with XXXX XXXX in XX/XX/2012 but they never reaffirmed. I continued to pay then loan was sold to XXXX XXXX .... loan is current but still not being reported to any credit bureaus.
Product: Credit card or prepaid card

On XXXX while attempting to purchase multiple orders of food for a business summit, I found my card suddenly began denying all charges. Upon calling Synchrony Bank at XXXX, provided on the Synchrony Bank website. The first agent I spoke with said they needed to verify some information, text me a code and we should be good to go. The call concluded by the agent telling me my card was ready to be used. 

I attempted to use the card again to make the purchases and again was denied. I called back in and spoke to a 2nd agent, XXXX ( female ) and the tone changed significantly. She advised me that she needed to transfer me to another agent to solve the issue. Upon transfer, the 3rd agent informed me that I needed to take a picture of myself and then my license via a website to unlock my account. When asked why, he failed to provide any adequate explanation and didn't seem to care at all about the hassle or poor customer service. 

To date, my card is still locked and I can not unlock it. This process established by Synchrony Bank is abhorrent, disrespectful and not in alignment with strong customer service. Furthermore, I have no idea who in the business will be getting a picture of me and my license but I have a serious problem with sending this to a company without any knowledge of how my data will be used. 

Synchrony is currently acting in an unprofessional, insecure and potentially damaging way and by doing so is currently holding my card in a locked state and refusing to unlock it until I provide this information, even though I validated all other information and codes with the first two agents. 

I do not condone the use of coercion but apparently Synchrony bank feels it is appropriate to do so. This is a disgusting business practice that has completely broken all trust that I have with them. While I do appreciate a business looking out for their customers in terms of preventing fraud, I absolutely and vehemently do not agree with the process established here and refuse to provide my PII through an app with no assurances of where it will go and the security protocols employed.
Product: Debt collection

This company keeps harrasing me regarding a debt that was already paid for the and debited from my account. I sent in proof and responded to the letter letting them know this is not a valid debt, and the landlord was paid properly. They keep threatening to put it on my credit and I will sue them if this happens. The harassment needs to stop. Nothing is owed.
Product: Credit reporting or other personal consumer reports

a car loan i had 4 years ago bout to be going on 5 years keep harassing me for money and my information on my credit