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

this Company has over 7 diffrent variations of my name, they have old and outdated addresses, jobs, phone numbers this company is also reporting personal private information without written consent according to Title 15 USC 1681 Permissible purpose ( ie ) there is XXXX XXXX XXXX XXXX  that were deleted from my XXXX XXXX Credit file because they were proved fraudulent from the ( XXXX XXXX XXXX XXXX ) but this company is still reporting this false information, which is a violation of the Metro 2 Guidelines as well as the permissible Purpose Law, unless they can produce a written consent form
Product: Credit reporting

This is the last time I write about Transunion, next communication will be in the form of a court summons for violating my writes under the FCRA. I just received a letter of a supposed investigation that tells me no steps they took to investigate and no proof. Send me irrefutable proof in 30 days or I will see you in court.
Product: Checking or savings account

I am writing to point against Navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with recent CFPH findings against Navy Federal for similar practice where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

Macys credit card company, DSNB, never sent me a bill or even attempted to contact me about a delinquent charge then refusing to fix the negative report on my credit after the small balance was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many problems with my report I am including a letter of explanation on all the issues
Product: Credit reporting or other personal consumer reports

Complaint Regarding Violation of 15 U.S.C. 1681b ( e ) ( 6 ) To Whom It May Concern, I am filing this complaint regarding inaccurate and unverifiable information on my consumer reports and the failure of Equifax to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( e ) ( 6 ). Details of the Issue : 1. I submitted a dispute to all three major consumer reporting agencies XXXX, Equifax, and XXXX regarding inaccurate and unverifiable information on my consumer report. 2. Equifax, XXXX and XXXX failed and left conflicting information on my consumer reports. 3. Under 15 U.S.C. 1681b ( e ) ( 6 ), CRAs are required to maintain a joint notification system to ensure maximum possible accuracy and consistency in consumer reporting. Their failure to update or verify this information demonstrates a lack of reasonable procedures to ensure compliance with this obligation. Harm Experienced : The conflicting information on my consumer reports has caused confusion and resulted in financial harm on multiple occasions from being denied loans as well as missed employment opportunities, and denial of credit, as creditors rely on inaccurate reports when making decisions. Relief Requested : 1. I request that Equifax, XXXX, XXXX investigate the discrepancies on my consumer reports, verify the information, and update or delete any unverifiable or inaccurate data. 2. I ask for CFPB oversight to ensure that Equifax, XXXX and XXXX comply with the FCRA and maintain reasonable procedures to ensure a joint notification system as required under 15 U.S.C. 1681b ( e ) ( 6 ). 3. I seek confirmation of corrective actions taken and assurance that they will implement measures to prevent such inconsistencies in the future. I trust the CFPB will address this matter promptly to protect my rights as a consumer under the FCRA. Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Product: Credit card or prepaid card

Since XX/XX/2018 till Present I have been making timely payments and Capital One Administration refuses to raise my credit limit at least {$4000.00} to {$5000.00} so I be able to purchase items in my community shopping centers in XXXX XXXX County, California. 
Such as Appliances, Electronics, Vehicle Gas, Travels and much more and cost of living is very expensive in California. 

I am going through a VA Loan process to purchase a new home and low credit limit is not helping raise my credit scores with XXXX, XXXX  and XXXX. 

Respectfully, Capital One is not allowing to raise my credit limit because of my XXXX XXXX and many Federal Government complaints. 

I have a XXXX  XXXX and XXXX  XXXX income of {$4700.00} from California XXXX XXXX XXXX XXXX and my income goes up 3 % every year on XXXX XXXXand is XXXX. 
XXXX Income never reduces. I have recently sent evidence document by email to Capital One around XXXX XXXX but I don't see my credit limit elevated. 

I respectfully could use a credit limit increase to at least {$4000.00} to {$5000.00} for XXXX shopping for my beautiful little grand-daughters ages of XXXX, XXXX and XXXX. 
My Present Capital One credit limit is only {$750.00} and for California, our US Military Veteran needs higher credit limit. 

During Covid19 Pandemic many US Military Veterans could use higher credit limits. 
I am respectfully a US XXXX XXXX  Military Veteran. 

This is a Urgent Request and with Honor and Respect Always. 

I am purchasing a new home with my VA Benefits.
Product: Debt collection

I was notified by XXXX XXXX that a debt collector had place a unpaid debt to my credit reports. I had never been emailed, written mailed or called about this debt. I called the company and they admitted they did not contact me. They have stated that they will remove the negative report that they unjustly and illegally put on my credit. But have stated that it will take 5-45 days. That may just be too late. 
Company information ERC XXXX XXXX XXXX XXXX FL. 
XXXX XXXX Ticket number for my case XXXX I have never had a debt collection on my credit. I'm 15 days away from signing for my first home loan. My family and I have already given up our current home. What are we supposed to do if my loan is turned down because of ERC illegally putting this bad mark on my credit.? 
My family and myself are devastated. I am a XXXX XXXX XXXX man with a family that depends on me to provide for them. I have XXXX  XXXX XXXX and just came out of a pandemic that has made life very hard for people with XXXX  conditions This has dropped my credit score over 20 points and I'm not sure I can rebuild it fast enough to continue with my home loan. I could possibly be sue by the home seller and my family and I will be scrambling to find a place to live. 
Here 's the kicker the debt was for {$83.00} with a company that I am still a customer with
Product: Credit reporting or other personal consumer reports

My health insurance company paid my plan allowable payment of {$100.00} each to XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> and XX/XX/year>. XXXX continued to bill me for the addition payment despite the amount being paid in full. I paid an additional {$600.00} to XXXX who then sent me to collections for {$520.00} which does not equal the amount of my initial charge of {$510.00} each minus my payments ( {$1000.00} charged- {$600.00} paid = {$420.00} ). I contacted XXXX multiple times over the years to get this resolved. They said I was paid in full and owned nothing. I contacted Savit Collections multiple times to show I was paid in full. I provided proof of my payments and my insurance company 's payments. I disputed this with all XXXX credit agencies. No one will listen to me. Especially not XXXX or XXXX. I now can not get it off my credit report despite trying every avenue possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that if an investigation is not concluded before 30 days, then the items in dispute must be deleted. XXXX investigation took longer than 30 days. The items have still not been deleted. This is willful noncompliance. 

Transunion received my dispute on XX/XX/23. Investigation did not conclude until XX/XX/23. 

I have been unable to get access to an emergency loan or credit after being hit by a car on XXXX XXXX due to this willful noncompliance. In accordance with 15 USC 1681i ( a ) ( 1 ) ( A ) I demand that the following be *immediately* deleted from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX  US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXXXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT. OF EDUCATION XXXX
Product: Mortgage

US Bank sent me an acknowledgement of a facially complete application, dated XXXX/XXXX/2016. I followed up with a phone call to my mortgage assistance point to verify that foreclosure would be halted at this time. However, I 've just received a notice of default dated XXXX/XXXX/2016 which leads me to believe they are dual tracking and a halt to the foreclosure process on my property has not occurred during my review for loan modification.
Product: Credit card or prepaid card

Denied credit application direct violation of 15 U.S. Code 1691 ( a ) ( 3 ) 15 U.S. Code 1691 ( b ) ( 3 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018, disputes letters were sent to Experian, XXXX, and XXXX requesting they correct and validate the information on my credit report in accordance with Section 609 of the Fair Credit Reporting Act. If the information could not be validated by producing an original signed contract in accordance with the law, I requested the account be deleted. Each response, they failed to produce a signed contract. XXXX failed to date a response within 30 days of receiving the request. 

Experian Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX No response -- -- -- -- -- - XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated
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 {$500.00} 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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and noticed some inquiries that I do not recognize or authorize. These items are not mine and they are pulling down my credit score making it very difficult to obtain new credit. I will list them down below : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I have also filed a ID theft report that I will be attaching to this complaint.
Product: Debt collection

On XX/XX/2020 I received a phone call from Tate & Kirlin.  When I answered there was a pause before connecting me to a live operator who asked to speak with someone else. I advised the caller that he had woken me up as I am on a nights schedule and that this was not the number for the person he asked for. 

The pause in connecting me to a live operator is indicative of Tate & Kirlin 's use of an " automated telephone dialing system '' ( hereafter referred to as an autodialer ) as defined in the Telephone Consumer Protection Act. 

I wanted to inform the caller that the time of day he had called was inconvenient to me and to not call me during such hours.The caller identified that he was calling from Tate & Kirlin but he disconnected the line before I could tell him not to call at such time of day. 

My caller id listed ( XXXX ) -XXXX. I called back several times but the line rang to a full voicemail box and I was unable to leave a message. 

A XXXX search showed a number for Tate & Kirlin as ( XXXX ) -XXXX and that it is a debt collection company. I called that number and spoke to a female who confirmed that their company had called before. I confirmed my demand not to call during daytime hours and the female noted the request was recorded. 

I do not have a prior business relationship with Tate & Kirlin. I never give consent for Tate and Kirlin to contact me in any way, nor to use an autodialer in an effort to contact me. I do not have a debt that Tate & Kirlin is collecting. I am a third party that they were knowingly contacting in an effort to collect someone else 's debt. 

The initial male caller did not identity himself and did not state he was seeking to confirm or correct location information about the person he asked to speak to. Federal judge XXXX in Halberstam v Global Credit & Collection Corp noted that the Fair Debt Collection Practice Act states that the only permissible reason a debt collection company may contact a third party is to confirm or correct location information about a debtor. It is an unfair debt collection practice to contact a third party for any other reason. 

I sent Tate & Kirlin a certified letter in which I demanded a cash settlement in lieu of litigation for this violation of the Telephone Consumer Protection Act and the Fair Debt Collection Practices Act. Tate & Kirlin has not replied to my letter.
Product: Credit reporting or other personal consumer reports

I received a message asking if I had authorized a purchase on my home depot/citi credit card on XX/XX/year>. I have never had a credit card with home depot. When I checked my credit report I noticed there was an hard inquiry on XXXX for a credit card. I called home depot asked them to cancel the card because of fraudand remove the hard inquiry from my credit report.I 'm still seeing the inquiry on my report. I would like for the hard inquiry to be removed from my credit report. It was still showing up as on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX SEE NOTICE OF DISPUTE LETTER ATTACHED BELOW This is my final dispute for the inaccurate reporting of XXXX CHILD SUPPORT Account number : XXXX on my credit report maintained by Equifax. 

Reporting of Outdated Child Support Judgments It is well-established under 15 U.S.C. 1681c ( a ) ( 4 ) of the FCRA that no civil judgment, including child support judgments, should be reported on a consumers credit report if it is more than XXXX years old, regardless of whether the judgment has been paid or remains unpaid.
Product: Checking or savings account

I had requested citi bank accommodate my XXXX. 
Each time I requested I was hung up on for not articulating whcih product or service I was seeking access to. I was seeking equal access to all goods and services under the ADA. 
Citi refused the interactive good faith process when requested. A supervisor told me the citi bank did not have to state the policy regarding accommodating the XXXX under the ADA. I was not able to be accommodated nor was i able to open any account due to being XXXX. I had sought effective communication under the ADA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is related to XXXX. I put in a request to remove active military duty alert and initial fraud alert. Experian delete the fraud alert, but the active military duty alert is still in place. I need Experian delete the active military duty alert immediately, so the bank can pull up my credit report, and process my refinance application. 
Experian report is XXXX. They closed the dispute and only remove the fraud alert. Attach is document send by Experian. Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX-I submitted two letters to XXXX regarding an account that recently showed up on my report in which I am disputing. I have no knowledge of this account and asked that the physically/manually verify this account information. The results of their investigation are simply, " verified '' however, i have asked that multiple items of this debt be verified because it does not belong to me. I have also found that the accounts in question XXXX XXXX, based in Utah and XXXX, with an address in Ohio and Florid may not be licensed to collect in the state of Florida. I am in the process of submitting a complaint to the FTC Department. 


XX/XX/XXXX-I received results of the investigation simply stating the following, " the company that reported the information has certified to XXXX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. "  XX/XX/XXXX-I sent a certified/return receipt letter to XXXX formally asking that they provide actual EVIDENCE that I have a legal obligation to pay and ask that they provide detals of the monies they say I owe as well as provide me with a copy of the judgment they received, to identify the original creditor, copy of an agreement, as well as a copy of their license to collect in my state. I received noticed from them XX/XX/XXXX simply providing a list of accounts with balances and no further details of what I had originally requested. 

XX/XX/XXXX-XX/XX/XXXX and 9/18/2018 I have also sent a re investigation request into the accounts that XXXX/XXXX/XXXX claim that they have verified via certified mail. 

XX/XX/XXXX-I sent a letter to the collection agency XXXX XXXX asking that they provide me with the full details of what they claim I owe, license information, original creditor information, payment history, proof they are licensed to collect in my State which I have found they aren't, as well as a cease and desist letter since they have attempted to contact me at my place of work as well as social media platforms on XX/XX/XXXX and XX/XX/XXXX. I provided they with my findings and a copy of the Florida Statute they are in violation of. 

XX/XX/XXXX-XXXX sent notice that the accounts in question had been removed due to unable to verify, however, Equifax is refusing to comply. 

I have been disputing the debt with XXXX since last year and Equifax is the only company refusing to comply and be in line with the other companies that have already deleted this information that could not be verified. In turn they are repeatedly sending me basic information as to how they verified with the third party these debt belonging to be which is a clear violation of my rights.
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. 

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

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

15 U.S.C 1681 Section 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 reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX