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

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port. 
Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac- counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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, credit repair services, or other personal consumer reports

Spoke with Navient customer service XXXX XXXX, XXXX XXXX, and XXXX XXXX pertaining to the fact that the balanced owed to Navient is XXXX and Navient is reporting on my cbr that I still owe them. Navient was paid XXXX XXXX, XXXX ... Please see attached acknowledment for Navient that loans were paid. 

Loan opened XXXX/XXXX/XXXX in the amount of {$5500.00} XXXX Current balance {$5900.00} Loan opened XXXX/XXXX/XXXX in the amount of {$3500.00} XXXX Current balance {$3700.00} Loan opened XXXX/XXXX/XXXX in the amount of {$1500.00} XXXX Current balance {$1700.00} XXXX currently are reporting that I owe {$180000.00} in loans - inaccurate ... 
XXXX currently are reporting the balance owed as {$170000.00} - correct amount ... 

Navient wants to continue to state that it 's the cbr agencies fault and the reporting agencies refer me back to Navient when I call. I am needing for this to be corrected immediately ... To date XXXX/XXXX/XXXX the above mentioned loans are still reporting as owed to Navient in addition to these loans have been now ALL consolidated with XXXX my other student loan servicer. Meaning the loans are being reported twice. My debt ratio has increased unnecessarily an additonal XXXX plus. 

I moved the loans simply because Navient has handled my accounts poorly since XXXX and do not take any ownership when they make mistakes.
Product: Credit card

On XXXX/XXXX/15 I was on vacation in Florida. My drivers ' license as well as XXXX credit cards and a debit card were stolen. The criminals went on a shopping spree to some of the best department stores and bought items that should have thrown up a red flag to anyone paying attention to their job. Multiple designer watches, multiple designer perfumes and colognes. Macy 's was XXXX of the cards stolen. I called their customer service to cancel the card that same night once I realized the theft. By then there had been multiple large charges to the card. Police reports were filed with XXXX different police departments in Florida, XXXX XXXX, as well as XXXX, Florida. Upon some investigation in the mall where some of the purchases were made I was able to see XXXX of the receipts that were signed by the thief at a kiosk vendor. It was not my signature. At that time I called Macy 's and asked to speak to a manager about the theft. No-one ever returned my call. I visited mall security just to let them know about the theft. They were apologetic but unhelpful. On XXXX/XXXX/15 once I returned from vacation I sent in the letter disputing the charges. I sent another letter of dispute on XXXX/XXXX/15. I have called Macy 's trying to resolve the issue multiple times, each time speaking to someone different and no-one is able to tell me the status or if they have even received my information. I have spent literally hours on hold just trying to reach a customer service agent. The charges put me over the credit limit which was {$2000.00}. Macy 's has since submitted those fraudulent charges to all the credit reporting agencies which has severely damaged my credit rating. I was a victim of identity theft and still feel as if I 'm being victimized by a system that does n't seek to protect its consumers. To get a credit card you have to submit quite a bit of personal information, and when someone fraudulently steals your card no-one even asks for an ID. All the other cards were addressed and those matters were resolved with apologies. I 'm now being charged finance charges for all those fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$3800.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 
( DISCOVER BANK XXXX Date opened XXXX XXXX, 2018 Balance {$3800.00} )
Product: Credit reporting or other personal consumer reports

I have tried disputing the bankruptcy on my credit file for almost 10 years now ( XXXX is 10 years ), everytime I get back verified through XXXX. I called court house to see if they disclose any bankruptcy information to third party companies in which they said NO we do not. XXXX just removed it a few days ago and Equifax, XXXX will not remove. 
Im requesting original validation, which none of them have. They are putting on credit report without having validation of the account. Disclosing public records without proof is violating my consumer rights. This has affected me for 10 years now.
Product: Credit reporting 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.

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the company related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. 

I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

I believe that you are required to conduct a sensible investigation into disputed items. I request that you look into these accounts promptly and make the essential corrections. 
The following accounts in question are : XXXX XXXX XXXX and payments. XXXX XXXX  XXXX.
Product: Student loan

Peaks is unwilling to help me with my XXXX XXXX loan being unemployed and unable to make payments on my loan. They charged me {$60.00} in fees to bring me up to date but after refused to work with me any further demanding I pay. I have sent emails that have gone unanswered and receive phone calls that just ask me for money. I have exhausted my 6 month grace period not having a job. They know I am unemployed and currently unable to pay them back. Their lack of help will lead me to default and financial ruin for years to come.
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. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX & XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated. Unde r 15 USC 1618b I never gave written consent for these. This is fraudulent behavior. PURSUANT to 15 USC 1681C-1 AND 15 USC 1681C-2 these are to be deleted from my consumer file. They are also a violation of 15 USC 1681EB for maximum accuracy and 15 USC 1681S-2A1A for reporting willfully inaccurate information,. This is causing defamation of character to my public appearance and I will be taking this to litigation under 15 USC 1681n and 15 USC 1681o see attachments
Product: Credit reporting

EXPERIAN IS THE ONLY BUREAU REPORTING THIS TERMINATED AND NON EXISTING PUBLIC RECORD ON MY CREDIT REPORT IT IS DAMAGING ME FINANCIALLY. I HAVE REQUESTED THE DELETION OF THIS ERRONEOUS ACCOUNT SEVERAL TIMES BUT EXPERIAN IGNORED ME AND FAILED TO COMPLY EVERY TIME EVEN THOUGH I SENT THEM PROOF FROM PUBLIC SEARCH AND LETTER FROM COURT STATING THEY ARE NOT REPORTING THIS NON EXISTING BK TO MY CREDIT BUT EXPERIAN IGNORED ALL REQUESTS PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate information found on my credit report regarding the XXXX XXXX 's XXXX XXXX XXXX, however it does not seem as though they have been fully investigated. I believe fraudulent activity is occurring regarding this account because the credit union never paid any money on my behalf or to me and were never actually out of any money. They have written off the account and sold the account to a collection company, so they have been paid on the account, however they are still reporting and updating a balance every month as if I owe them. To my understanding, this is considered a violation because it would have to have a {$0.00} balance. On top of that, when I have called the credit union to resolve the issue, they tell me they can not speak to me or perform any actions regarding this account because they no longer own it and I should have or will be contacted by the agency who owns it. I have requested to have this information removed immediately because it is a violation of my rights and is negatively impacting me. One of the bureaus actually took the time to investigate this and already removed the information.
Product: Bank account or service

We are requesting a federal investigation of BancorpSouth Bank in Mississippi. XXXX XXXX and XXXX XXXX XXXX purchased a home, financed by BancorpSouth in XXXX, MS XX/XX/XXXX and were informed during the closing that they were purchasing mortgage protection also. When the application was received in the mail XX/XX/XXXX, XXXX XXXX completed this application and submitted it to Bancorp South because BancorpSouth 's name was listed on the application. This application was taken to Bancorp South. Although, BancorpSouth now states that this is not their application, XXXX and XXXX XXXX never received notice from BancorpSouth that this was not BancorpSouth 's application after he returned it to them in person. XXXX XXXX passed away in XXXX XXXX, and his wife and daughter, XXXX XXXX and XXXX XXXX, contacted the bank, who financed the mortgage and mortgage protection. The bank claims that the application is not their application, although they accepted it from XXXX XXXX in XX/XX/XXXX. It was also XXXX and XXXX XXXX 's understanding that the amount was included in their mortgage, which was deducted monthly from the XXXX bank account. The contact person is XXXX XXXX at BancorpSouth. Her telephone number is XXXX and her email address is XXXXXXXXXXXX. 

We sent a letter to BancorpSouth Bank on XXXX XXXX, XXXX, and BancorpSouth Bank 's attorney waited until the statute of limitations had run to respond to the letter on XXXX XXXX, XXXX. Although this was a very heartless and conniving move, we are requesting a full investigation in their handling of this matter. 

The estate of XXXX XXXX feels they are being discriminated against because they are XXXX and are being taken advantage of by BancorpSouth. Bancorp South is also refusing to produce documents regarding XXXX XXXX 's accounts, which indicate they have something to hide by withholding information. XXXX Strong, the attorney at BancorpSouth is stating that entering XXXX and XXXX XXXX social security numbers and obtaining their account information is " unreasonable and unduly burdensome. '' This is a ridiculous excuse. XXXX XXXX is requesting this information on her behalf and on behalf of the estate, and it should be sent to her. XXXX XXXX is ignoring the fact that XXXX XXXX served in the XXXX XXXX ; and since his death, his wife had to get a full-time job in her late XXXX 's, although she never worked a day in her life. She is also the administrator of the estate of XXXX XXXX. It is obvious that BancorpSouth has been mistreating and discriminating against XXXX, as they were fined XXXX dollars last month due to their unfair actions when banking and giving mortgages. See Consumer Financial Protection Bureau v. BancorpSouth Bank in XXXX, XXXX of XXXX , XXXX Division.
Product: Credit reporting or other personal consumer reports

I discovered several serious violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws regarding how my credit report has been handled. These violations have caused me significant stress, and I am determined to address them. 

Willful Noncompliance ( FCRA Section 616 ) : Credit information about me was reported without any effort to verify its accuracy. This willful disregard for accuracy violates the law and carries civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt out of having my personal information shared, which is deceptive and violates my rights as a consumer. 

Furnishing Inaccurate and Deceptive Information ( FCRA Section 623 ( a ) ( 3 ) ) : Accounts such as XXXX, XXXX, and XXXX XXXX XXXX  were added to my credit report without proper validation. These entries are outdated, inaccurate, and deceptive. 

Violations of the Debt Collection Practices Act ( 15 U.S.C. 1692 ) : Unverified debts and accounts were reported without my consent, leading to harassment and unnecessary contact from creditors.

Unauthorized Disclosure of Debt Information : Debt collectors disclosed my personal information to third parties, alleging I owed debts that were neither verified nor accurate. This is a direct violation of privacy regulations. 

Deceptive Late Payment Reporting : My credit report shows late payments, but there is no clear explanation of what constitutes a late payment. This is both inaccurate and misleading. 

Failure to Accurately Determine Finance Charges : Finance charges were reported incorrectly, reflecting errors on my credit report that are your responsibility to resolve. 

Unauthorized Reporting Without My Consent : Accounts like XXXX and XXXX were added to my credit report without my written consent, violating permissible purposes under the FCRA. 

What I Expect I am not letting this go unresolved. I demand : The immediate removal of incorrect and outdated personal information, including incorrect addresses such as XXXX XXXX XXXX XXXX XXXX 
Deletion of unverifiable accounts like XXXX, XXXX, and XXXX XXXX XXXX 
Validation of debts under 15 U.S.C. 1692g, and the removal of any that can not be verified.

Compliance with the FCRA, Debt Collection Practices Act, and all other applicable laws. 
These violations have caused me unnecessary stress and confusion, and I am taking the necessary steps to ensure my rights are protected. If these issues are not addressed immediately, I am prepared to take legal action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

I demand accountability, and I will not rest until these errors are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 XXXX   XXXX XXXX, XXXX don't have the required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. I told XXXX XXXX XXXX, XXXX Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity and they told me no. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report and they told me they don't have it. XXXX  XXXX XXXX, XXXX failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If XXXX XXXX XXXX, XXXX are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Experian dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX and I'm including it again. 

XXXX XXXX XXXX
Product: Debt collection

BARCLAYS BANK DELAWARE {$2400.00} I have contacted the company and have reported this to my credit reporting agencies. The company just verifies it with already-known information. I have an FTC, CFPB, and a police report that I am a victim of identity theft. This is also shown to be true on my credit reporting agencies ' accounts. 

This account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the inaccurate info being reported from XXXX XXXX -- XXXX In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you