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

To Whom It May Concern, I am filing this complaint to bring attention to a serious issue involving a significant reduction in my FICO score and continued inaccurate reporting by Bank XXXX XXXX. Despite my repeated efforts to dispute the incorrect information through the credit bureaus, no corrective action has been taken, and my score has been unfairly penalized. 

Details of the Complaint : Unjustified FICO Score Reduction : My FICO score dropped by [ XXXX to XXXX points ] immediately after I filed a legitimate dispute regarding inaccurate reporting on my credit report. There were no material changes in my credit profile to warrant such a drastic score reduction. This appears to be a punitive action against me for exercising my rights under the Fair Credit Reporting Act ( FCRA ). 

Inaccurate XXXX by XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX continues to report an incorrect balance on an account that has been sold to multiple debt collectors. 
The debt collectors involved have failed to validate the debt, despite my multiple requests under the Fair Debt Collection Practices Act ( FDCPA ). 
Despite filing several disputes with the credit bureaus to address these inaccuracies, the errors remain unresolved. 
Failure to Address Disputes : My disputes have been ignored or mishandled by both XXXX  XXXX XXXX and the credit bureaus, violating their obligations under the FCRA to ensure that only accurate and verifiable information is reported. 

Relief Sought : I am requesting the CFPB to take the following actions to resolve this matter : Require Immediate Deletion of the XXXX XXXXXXXX XXXX Account : The account is unverifiable, inaccurately reported, and legally should no longer appear on my credit report. 
Investigate the Unjustified FICO Score Reduction : My FICO score should be restored to its previous level, and punitive measures against consumers for disputing inaccurate information should be addressed. 
Ensure Compliance with the FCRA and FDCPA : Hold XXXX  XXXX XXXX and the credit bureaus accountable for their failure to comply with their legal obligations. 
Compensation for Damages : I seek compensation for the harm caused to my creditworthiness and the undue stress caused by these violations of my rights. 
Summary : This situation highlights clear violations of my rights as a consumer under the FCRA and FDCPA. XXXX  XXXX XXXX has failed to report accurate information, credit bureaus have failed to act on my disputes, and my credit score has been unfairly penalized as a result. I trust the CFPB will investigate this matter thoroughly and ensure that appropriate corrective actions are taken. 

Thank you for your assistance.
Product: Credit reporting

I attempted to buy a car from XXXX XXXX in XXXX XXXX and the manager insisted he had to run a credit check which is XXXX hard inquiry. I told him not to run a credit report for a loan on a whole lot of companies because hard inquiries are hard to get rid of when you they are on your credit report. I gave him permission to ask for a loan from XXXX XXXX and XXXX XXXX which are XXXX auto loan companies I am currently using to pay off car loans and are in good standing. Well, needless to say he ran my report XXXX times lowering my score of XXXX to mid XXXX. I would like these hard inquiries removed from my credit report so I can purchase a new car or buy a home. I had a good score now I have a bad one.
Product: Payday loan, title loan, personal loan, or advance loan

Interest charged on these loans is predatory and I've already made more payments back to them than the original balance and they still say i have over {$1000.00} to pay back
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Contacted XXXX XXXX XXXX XXXX about reporting an invalid bankruptcy to XXXX XXXX Transunion and didnt receive any documents or validation of these claims also requested that they put a security freeze on my file and nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, as well as inquiries not belonging to me. However the credit reporting agencies are refusing to remove the information stating that items come back validated even though the information is incorrect. 

ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF  THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING
Product: Debt collection

I am writing to file a formal complaint against Credence Resource Management for their ongoing violations of my consumer rights as outlined under federal law. 
Details of the Complaint : 1. Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide specific validation information to the consumer. However, Credence Resource Management has failed to provide me with any validation information regarding the alleged debt. Despite this failure, they have proceeded to place a collection on my consumer report.

2. Lack of Opportunity to Dispute the Account : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to an opportunity to dispute the debt. Credence Resource Management has not given me this opportunity, which is a clear violation of my rights. This has left me without the necessary means to contest the validity of the alleged debt. 
3. Use of False, Misleading, and Deceptive Means : Credence Resource Management has employed false, misleading, and deceptive means in their attempts to collect the alleged debt. This is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from such unfair practices.

4. Unauthorized Reporting to Consumer Reporting Agencies : In accordance with 12 CFR 1006.34 ( c ) and 15 USC 1681s-2 ( 7 ) ( A ), a collection agency must provide all required disclosures before furnishing any account information to consumer reporting agencies. Credence Resource Management has furnished information to consumer reporting agencies without providing the necessary disclosures, thereby violating these provisions. 
Requested Action : I request that the CFPB investigate this matter and take appropriate action against Credence Resource Management for their violations of federal law. I also request that any negative information placed on my consumer report by this agency be removed immediately until such time that they comply fully with the legal requirements to validate the debt and provide me the opportunity to dispute it. 

Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Phone Number : XXXX Email : XXXX Collection Agency Information : Credence Resource MANAGE Account # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX I have included copies of all relevant correspondence and documentation related to this matter for your reference. 
Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Credit card

I filed the same complain again, as XXXX XXXX XXXX is not resolving the issue, i.e. to credit my earned XXXX XXXX miles to my XXXX XXXX number XXXX, which number are shown on my XXXX XXXX XXXX monthly statements since XXXX, XXXX! 

The number XXXX that XXXX XXXX XXXX linked to in XXXX was NOT my XXXX XXXX number! I had the XXXX XXXX XXXX XXXX corrected it and linked my XXXX XXXX XXXX to the my correct XXXX XXXX number XXXX. As XXXX XXXX XXXX corrected their mistake on incorrect XXXX Member number, the company should correct their mistake and to credit my earned XXXX XXXX miles to my XXXX Member number XXXX.
Product: Credit reporting

XXXX XXXX XXXX XXXX Home Equity Line of Credit account was removed from my credit report. I paid this joint account of {$120000.00} off, and received the Full Reconveyance, after my husband passed away. 

My home of 14 years was unlawfully taken and taken and sold by a court appointed receiver ( XXXX XXXX XXXX, President of the Probate Referees Association ) who intentionally disregarded/ignored the facts. 

I am the spouse in a community property state, and sole beneficiary of the J. XXXX XXXX XXXX XXXX, which held 100 % of my home. 

XXXX XXXX XXXX was assigned to Civil Case # SCVSS XXXX and Probate Case # SPRSS XXXX. XXXX XXXX XXXX disqualified self, and then ordered the destruction of the exhibits. Attorney XXXX XXXX filed my husbands XXXX XXXX XXXX XXXX XXXX for XXXX, and then it simply disappeared. 

I paid our XXXX XXXX XXXX XXXX XXXX loan in full and received the Deed of Reconveyance, but this fact was also disregarded/ignored. 

Any assistance is truly appreciated. Thank you.
Product: Credit card or prepaid card

I received an email I had a Flare account I wasn't aware I had. So by calling the ace flare account customer service XXXX they had my information in their system unless it's a ploy. First representative put me back in the automated without answering how they got my info. I called again and the next representative said I just activated my account and card today XX/XX/2023 during my 1st call XXXX PST. How is it I just activated it when I got an email stating the following today XX/XX/XXXX at XXXX? 

" Your Flare Account statement is available View in browser FLARE ACCOUNT Dear XXXX, Your Flare Account statement is now available, and can be accessed on your account History Dashboard. To view your statement, please click here. 

If you have questions, please log in to your online account center or call us at XXXX. 

Sincerely, Your Flare Account team This message was sent to you because of changes, updates, or transactional activity on your Flare Account. We are required to send you such notifications regardless of your subscription status for your protection. Please do not reply to this message. 

aceflareaccount.com | Privacy Policy | Update Email The Flare Account is a demand deposit account established by XXXX, XXXX XXXX, Member FDIC, and the Flare Account Debit Card is issued by XXXX, XXXX, pursuant to a license from XXXX XXXX XXXX Netspend is a service provider to XXXX XXXX XXXX XXXX Certain products and services may be licensed under U.S. XXXX XXXX. XXXX and XXXX. 

XXXX XXXX XXXX XXXX, XXXX 2023. All rights reserved. 

2023 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners. 

Netspend XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX # XXXX, XXXX, TX XXXX XXXX ''
Product: Credit card

Citibank , N.A . has closed 6 of my accounts under the FALSE ACCUSATION that I made frequent payments from unknown sources. 
When I challenged them and attempted to explain that the 2 payments I made in cash were done in an attempt to keep my credit score as high as possible because I was obtaining a mortgage, their reply was that didn't have to give me an answer as to why they closed my accounts.

I have always paid all my bills on time and my credit score was in the high 700 's.

I see this as corporate malice against me for having such a high credit score and an attempt by them to lower it.

This is discrimination!!! 
I ask for your help!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below 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 first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. I did not give them permission to check my credit you will not find my signature on these XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ERRORS IN MY REPORT. XXXX XXXX XXXX0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$1300.00} XX/XX/XXXX. XXXX XXXX XXXX {$630.00} XXXXXXXX XXXX XXXX {$35000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX$700.00} XX/XX/XXXX. XXXX XXXX XXXX {$890.00} XX/XX/XXXX. XXXX. XXXX XXXX {$930.00} XX/XX/XXXX.
Product: Credit reporting

To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XX/XX/XXXX for a balance of approximately $ XXXX. XX/XX/XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. XX/XX/XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ XXXX. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from TransUnion, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX.
Product: Student loan

I have called Aidvantage each month since XXXXXXXX XXXX XXXX for failure to send me and my wife, XXXX XXXX XXXX, any billing statements. 

The first two months we were set up to receive the statements electronically, but they failed to send them, even though they claimed to have sent them. We searched every folder and they were no where to be found. Because of this we both changed to receive all correspondence by mail. The first month of change, XX/XX/2023, my wife received a statement. However, since then neither of us have received any mail from them. We had them read the address on file when we changed it and I confirm it every month when I call them. We also know they must have our address on file because prior to payments resuming we would receive notice of our balances in the mail each month. 

When I called them this month the servicer rep told me I had opted to receive items electronically and she would need to change them back so I could resume receiving items by mail. I have not opted into anything electronically since telling them to deliver anything by mail so I can have a physical copy.
Product: Credit reporting or other personal consumer reports

BEST BUY DESTROYED MY CREDIT FOR {$27.00}... 

I had a great credit score over XXXX, a Best Buy credit card with a credit limit of $ XXXX available, that had ZERO money owed on it! Because of a perfect storm ( moving/computer hack/email hack ... resulting bank account closings/openings ) I received late charges for something I did not know I had ... causing my good credit to drop to the XXXX XXXX XXXX 

FACTS : -- I have since found out ( XX/XX/2023 ) that I owed {$27.00} ... that went up to {$54.00} (? ) in late fees. ( immediate payment to fix this did not go through ... because of the above perfect storm, I changed banks /cards EVEN THEIRS! and they charged it through my old bank account that they had on file ) -- I did not know it didn't go through until XXXX, and paid it again then. 
-- I have had $ XXXX avg in my checking account well before the issue for well over XXXX ( I can supply documents ) ... I could have paid {$27.00} at any point. 
-- I pay my bills on time ( see : over XXXX credit at the time ) ... and I had no idea I owed this amount. 
-- Looking back, I still don't believe I owed this amount in the first place. I found out that it was a jump drive for {$27.00} ... I believe I took that back, and then bought another one for {$16.00} because I didn't need that 'size '' to recapture all my files from the hack. 
-- I don't believe I got credit for the return. 

I don't have a receipt for that jump drive ( who would ) like I said, I think I returned that one in dispute anyway.

Thank you.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act KOHLS DEPARTMENT STORE Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.