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

In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protection 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 15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person may 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

Experian continues to report inaccurate information on my XXXX XXXX account XXXX. 1. This is a charged of account from XX/XX/2008 it should no longer be being reported. 2. I requested you verify the information, and Experian has failed to investigate properly within the XXXX time period. 3. The account was sold to another lender, there should be a {$0.00} balance once account has been sold to another lender. 4. Experian is the only cra that is reporting this invalid account. Account has been removed from XXXX and XXXX. Experian needs to remove account from my report immediately or I will seek legal action. You can not continue to report an account that is past the statute of limitations to be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} I did not give this company permission nor have ever done business with them and have documents filed with the police for fraud. 

XXXX XXXX XXXX XXXX XXXX I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since XXXX. I have police documents filed for fraud. 

XXXX XXXX XXXX I never gave XXXX XXXX to use my information and have never done business with XXXX. I have been under XXXX since XXXX. I have police documents filed for fraud and XXXX consented and closed the account, but I would like this to be removed from my account.
Product: Credit card

I was unaware of the unauthorized use of my card until it was declined for a very small purchase in early XXXX. I Called them immediately and I was told that the reason was because they suspected fraudulent use and that they had tried to contact me and couldn't. I did not receive any such mailing ; they have my cellphone number email address and work number. I was assured that I would not be responsible for charges that I did not make or authorize. I have been working with Target fraud department and hoping to resolve this issue to no avail. I did receive questionnaire asking which charges were fraudulent and I sent paperwork back. Only to receive the very same paperwork sometime later. That was a problem because I didn't retain a copy and requested they send another which they did not however on XXXX XXXX XXXX  I discovered the information and resent it certified mail to the address provided. I have received a bill from Target that states Only that " this is an attempt to collect a debt '' and asks for a payment of XXXX payment on the full amount of XXXX. These transactions are for several fast food purchases made on the same day and several online purchases including from Target and sports equipment stores that they did not tell me what the items are. Several alcohol purchases online to other states and even to XXXX. They were not made or authorized by me. And I made that adequately clear to a customer service representative who told me that the letter should not have been sent because the issues were clearly still under investigation And that the have erroneously categorized it as a dispute rather than Fraud. This has been unresolved since XX/XX/ and involves charges from as early as XXXX XXXX XXXX The bill sent to me prior to the statement in question had a balance of approximately XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a collection company stating about a debt I owed on TV service. I have never applied for TV service, I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX  XXXX {$75.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/28 I received an email from XXXX saying I have a new credit inquiry, which I did not recognize, for a XXXX card. I contacted XXXX, XXXX, Equifax to freeze my accounts. In the morning I had XXXX more credit checks from XXXX XXXX and XXXX XXXX  which I did not recognize. I called XXXX  again and this fraudulent person had my account freeze reversed
Product: Debt collection

Portfolio Recovery has called me everyday this month ( XX/XX/year> ) as well as sent text messages. They have never given me an amount or told me who they purchased this debt from. They have never verified who I am and if the debt is in fact mine. I've requested legal documentation which I have never received. They call from multiple different phone numbers and sometimes I get multiple calls daily 7 days a week.
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the errors on my credit file. However, I believe the remaining accounts still need review to ensure they meet the Fair Credit Reporting Act standards for accuracy. I am requesting another investigation of the accounts listed below to verify their accuracy : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9200.00} ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$27000.00}. If your investigation can not confirm the accuracy of these accounts, please update them accordingly. Also, please send me the details of the procedure used to verify the information to the address provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling Experian for 4 days now. Every time someone pick up, they keep forwarding me around stating that I'm in a special dept. When that department picks up they tell me still in the wrong department. When I finally get to the department I need, I have to leave a message and no one has yet to return my call. 

I have personal information that is incorrect and needing removal from mt credit report. Please see the following. 

This name with this spelling is incorrect. Please remove. 
XXXX XXXX Name ID # XXXX These addresses are incorrect. Please remove. 
XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX These Social security number variations are not mines. Please remove. 
XXXX XXXX Please remove this unauthorized inquiries that was not for a permissible purpose. 
XXXX  XXXX XXXX  Inquired on XX/XX/2019 XXXX   Inquired on XX/XX/2019 XXXX  Inquired on XX/XX/2019 XXXX Inquired on XX/XX/2019 Please remove the remarks under comments for the following tradelines : XXXX XXXX XXXX XXXX XXXX OH XXXX OFFICE OF THE ATTY GENER XXXX XXXXXXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide with an updated and corret report when completed.
Product: Credit card or prepaid card

I paid for XXXX in a payment in full of balance and somehow I 'm still charged $ 80+ in  interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

two collections opened by XXXX one XX/XX/2018 one XX/XX/2018 for same amount same original creditor that are not mine. tried to dispute with Equifax .they make it hard. 
I tired one hundred times they as soon as I get close after filling out tons of info screen denies request they say their busy try again. Equifax only credit bureau doing this other ones know it was not mine.The worst is they posted it twice and lowered my score twice for the same wrong info. Equifax is making it hard on purpose PLEASE do something.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding The following are accounts I am complaining against under my XXXX report Experian Report And XXXX report XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
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 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 an 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. 1681 s-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

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to correct or delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. I request for the third time that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at Experian who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my original signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE or CORRECT all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be CORRECTED or DELETED immediately : XXXX XXXX CORRECT TO : NEVER LATE, PAYS_AS_AGREED, PAID_AND_CLOSED XXXX XXXX XXXX CORRECT TO : NEVER LATE, PAYS_AS_AGREED, PAID_AND_CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX : NEVER LATE, PAYS_AS_AGREED, PAID_AND_CLOSED SELF XXXX XXXX XXXXXXXX CORRECT TO : NEVER LATE, PAYS_AS_AGREED, PAID_AND_CLOSED XXXX XXXX XXXX CORRECT TO : NEVER LATE XXXX PAYS_AS_AGREED, PAID_AND_CLOSED XXXX XXXX XXXX XXXXXXXX CORRECT TO : NEVER LATE, PAYS_AS_AGREED, PAID_AND_CLOSED
Product: Consumer Loan

Where do i start. I called ally spoke to XXXX people before actually speaking to a rude supervisor- After asking XXXX XXXX is her employee number she claimed to be a supervisor- When i asked her why her employees put me on a hold for more than 15 mins after advising me they will be back in 1 minute. They are already violating. I will be placing a compliant to the cfpb for poor collection practices. I was on the phone for over 1 hour. One person in the company is saying i am past due on my account. They transfer me to collections i wait another 10 mins i speak with the collections representative she says she ca n't help me my account is 40 days ahead.. CAN SOMEONE GIVE ME AN ANSwer.. I ask to speak with a manager and i tell her what is going on she DIDNT SEEM TO CARE- Her response was Just YEA i asked her what do you mean yea.. NO ONE HELPED ME can some investigate this companies policy on customer service and they way they place people on hold- They had 1 working supervisor for the whole company she said and she was the only one taking calls. How can 1 supervisor run a call center.. They reported my credit late. I want this removed..
Product: Mortgage

fay servicing got my mortgage from XXXX XXXX  it was a 30year mortgage at 7.25 % payment a month is XXXX never missed a payment fay got this mortgage in XXXX of XXXX they tried to say it was in escrow I told them that it was never in escrow I pay my own taxes and insurance. so then they sent message to the tax Dept. and said they wanted them to send my tax bill to them so they could pay the taxes and put my home in escrow this is not right they paid XXXXto the tax Dept. and I sent the XXXX to fay and told them that there was the money they paid on my tax i also told the tax Dept. not to sent them my tax bill anymore .I have all the checks and all my payments. now I got a letter saying that I am in default of making a payment of XXXX they said I never payed XXXX XXXX I have everyone one of my checks that they cashed and even the XXXXtax check they cashed. its just a scam to try and get my home .i even had an attorney speak to them and they even got him upset.im so tired of this crampy attorney even told them that they better get this fixed or they would get sued. please help me with this problem I have XXXX XXXX XXXX and cant keep getting upset over this I have tried about 30times calling them to fix this every time its something different its just XXXX. they act like XXXX XXXX.HELP PLEASE
Product: Debt collection

On XX/XX/XXXX a letter was sent in the mail to me, which I received several days later. It stated that I owed this debt and that I had 30 days to dispute it. On XX/XX/XXXX, I wrote them a letter asking them to validate this debt and bring forth proof of the debt I supposedly owe. I have never received any validation and this was never placed on my credit report. On XX/XX/XXXX a letter was sent to me in the mail, which I received several days later. In this letter, the amount was higher, and there was no mention that I have 30 days to dispute this debt, again. On XX/XX/XXXX, I then sent them another letter which was notice of default, and stated since they failed to validate the debt back in XXXX, that they now can not collect on this debt, just because they changed the amount of the debt. Since they did not validate this debt, nor did they place it on my credit report back in XXXX, they are not able to collect on this unfounded debt. However, now they decided in XXXX to change the amount of the debt and not give me 30 days to dispute it, and went ahead and placed it on my credit report. This is in complete violation of the Fair Debt Collections Practices Act. They need to remove this from my credit report immediately and face consequences for not following the law.
Product: Student loan

This is my second complaint about the same matter. The first one appears to be automatically closed just by virtue of a response ( any response ) from the company. Here is the relevant detail from the first complaint. In XX/XX/XXXX, I received a letter stating I was ineligible for TEPSLF because " the amount paid 12 months prior to applying for TEPSLF and the last payment made before applying for TEPSLF was not at least as much as would have been paid under an income-driven repayment plan. '' I was then advised to go on the income-contingent repayment plan and as long as I paid for an additional 13 months on-time, I would be eligible for TEPSLF. The correspondence I received in XXXX DID NOT INDICATE that I had not made the 120 payments. At no point until XXXX of XXXX was I told I was ineligible because of not meeting the XXXX. It was only during that subsequent application for XXXX did this company notify me of this - stating I had 87 payments, which contradicted all prior information provided by customer service representatives and their own written documentation. Based on incomplete information and faulty advice from every customer service rep at Fed Loan Servicing, I dutifully paid nearly double my normal amount for 13 months in order to reach the XXXX.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS BEING WRONGFULLY REPORTED. THE ORIGINAL CREDITOR SAID THE ACCOUNT IS STILL UNDER INVESTIGATION. EXPERIAN CLAIMS THEY NEVER GOT AN FTC FROM ME SO I AM ATTACHING THE ORIGINAL REPORT ALONG WITH AN UPDATED REPORT. 
I am writing to file a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I previously disputed an account on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from Experian within the required four business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already attempted to contact Experian regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that Experian complies with FCRA regulations and corrects this issue immediately.
Product: Credit card

On XX/XX/2017 I was approved for a XXXX Visa credit card, issued by Comenity Capital Bank. I immediately used the card to make a purchase of {$250.00}. 

On XX/XX/2017 I received an alert on my credit monitoring stating that my XXXX Visa card had been closed by the credit grantor. I received no notification of this closure from Comenity Capital Bank, and still do no know the reason why. When I contacted Comenity Capital Bank via telephone, they would not give me any information, stating that I would be receiving a letter in the mail. 

It is a poor lending practice to open accounts for consumers, allow them to use the account, and close it 10 days later. 

Now my credit score has fallen because the account is reporting a {$250.00} balance against a {$0.00} limit, giving me 100 % utilization reported on this account.
Product: Credit reporting or other personal consumer reports

This letter is to inform your company that I want to dispute the following items below on my credit profile. Your company was sued by the CFPB, for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
I have been disputing a balance from XXXX XXXX for the last two years. Each time I receive notice from Experian stating that the information has been verified as accurate without any evidence. As well as the apartment complex stating they can not find my account or even recognize myself as a tenant. The creditor XXXX XXXX also has not been able to provide proper documentation, such as a ledger with all fees associated with the XXXX balance. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX credit card is saying it's late and it is not. I have automatic payments coming out of nay account every month for {$35.00}. Disputed it multiple times and it won't let me upload proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was 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 item/accounts/information below : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXXXXXX Balance Owed : {$250.00} This complaint will be my follow-up complaint to ensure the listed accounts are verified.
Product: Credit card or prepaid card

The company 's response to my previous complaint merely restates their position and makes / takes no steps to seek to solve the issue. Purely as such it is a bad faith response which leaves no way to resolve the issue.
Product: Debt collection

EVERY MONING, UPOON SEEING THESE FRAUD ACCOUNTS MAKE ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft. 

I am requesting that youimmediately block and delete the fraudulent informationon my credit file within4 daysof receiving this letter. Upon reviewing my credit file, I found several accounts that do not relate to any transactions I have made, and I am certain they are the result of identity theft.