23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX  Account number : XXXX The notation of the late payment is inaccurate. 

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 also states consumer reporting agency can not furnish an account with my written concern.

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

On XX/XX/21, I requested my credit report and complete credit file from TRANSUNION. I was notified that they would be mailing out both the report as well as the file, but I've only received the report. TRANSUNION has refused to send me upon request my complete credit file.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Accounts with XXXX XXXX XXXX  XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). Specifically, the credit bureau has failed to remove a late payment from my accounts with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  despite the necessary steps I have taken to rectify this incorrect information. 
I recently disputed the presence of a late payment on both my XXXX XXXX XXXX XXXX XXXX XXXX accounts, which have been negatively impacting my credit history. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
However, despite this statutory obligation, the credit bureau has failed to conduct a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but has also compromised my financial well-being. 
I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. 
I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Enclosed with this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau, XXXX XXXX XXXX XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the following creditors : 1 ) XXXX XXXX account number XXXX has violated my rights 2 ) XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C. 1681a further states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The term " consumer report within the statue is defined as " In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. Within the statue the term " person '' is defined as ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

As soon as I saw that my XXXX card not only delayed its reporting to the bureaus but that my FICO SCORE was damaged due to the high balance that generated after my statement closed being reported as my statement balance I filed a complaint and finished details to experian. The person on the dispute DID NOT is non-compliant. My experian report now reflects an even higher balance. MY XXXX CARD STATEMENT BALANCE SHOULD BE XXXX DOLLARS. I wouldn't recommend anyone who values their credit rating and score to entertain a XXXX rewards credit card
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Transunion, XXXX of the major credit reporting agencies, for apparent violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i, Section 611. Over the past several weeks, I have been actively disputing inaccuracies on my credit report with both XXXX and TransUnion. Despite my continuous efforts and communication, I have observed persistent discrepancies that have not been addressed appropriately. 15 USC 1681e ( b ) : Under this section of the FCRA, consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information in a consumer report. It appears that TransUnion has failed to adhere to these reasonable procedures, as the inaccuracies on my credit report have not been rectified, causing significant harm to my creditworthiness. According to this section, a consumer reporting agency is obligated to conduct a reasonable investigation into disputed information within 30 days. Despite disputing the information on my credit report for an extended period, TransUnion has not provided me with a description of the investigation process, as mandated by the FCRA. I will kindly request that the Office of the Attorney General investigate the actions of TransUnion concerning my credit report. Specifically, I am seeking assistance in ensuring that this agency adheres to the provisions of the FCRA, promptly conducts a thorough investigation into the disputed information, and provides me with a detailed description of the investigation process as outlined in Section 611. I appreciate your attention to this matter and trust that the Consumer Protection Division will conduct a thorough investigation into the alleged violations by XXXX and TransUnion. I look forward to a prompt resolution to rectify the inaccuracies on my credit report and that both credit reporting agencies comply with federal law.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent a letter to TransUnion disputing a bankruptcy showing on my credit report. They responded with a letter stating that its was " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I also went directly to the courthouse XXXX XXXX and asked do they verify with any credit agency they responded with a letter XXXX XXXX with a letter stating they do not report to any agency I then went back to TransUnion on XXXX XXXX and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Mortgage

Escrow Mismanagement. As Planet Home Lending customer ( Loan # XXXX ), I have been paying all monthly payments on time but so far Planet Home Lending has not been transparent of all the taxes and other residential fees payment from Escrow. Recently there is a 10 % penalty applied from School District Real Estate tax due to payment has not yet been made. All bills copies have been scanned & emailed soon as I received it in the mail but the payment was not made on time. It is frustrated that the law doesn't allow homeowner ( borrower ) to take care of their own tax bills but then the lender provide poor services like this. Now the property will soon be in lien status.
Product: Credit reporting or other personal consumer reports

XXXX XXXX improperly used information without my written consent. As a result, it has affected my ability to acquire housing. " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit report that were compromised in a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent or unauthorized accounts resulting from identity theft removed from my credit report. 
The following accounts were not authorized by me and were added to my credit report as a result of identity theft : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$8200.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$5200.00} XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XXXX Balance : {$1800.00} XXXX. XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX Date Opened : XXXXXXXX  Balance : {$0.00}
Product: Debt collection

I moved out of XXXX XXXX in XX/XX/XXXX. When I turned my keys in, I asked how would I pay the utilities bill for XXXX ( it was always due with the next month 's rent ). I was told to login and pay on the portal. I couldn't access the portal because I was no longer a resident. They then gave me an email to reach out to. I was told my account information was still being processed ( in XX/XX/XXXX ). 
Then XXXX turned to XXXX and I still hadnt heard from the company. I reached out on XX/XX/XXXX but didnt receive an answer. Finally, I received my returned move-in deposit in the mail a few days later. It was my original {$500.00} with the utilities taken out. They finally processed my payment by subtracting it from my deposit. I was so thankful to finally be done with the company. 
Then in XXXX of XXXX, I was reached out by a debt collector from Genesis. I responded the very same day explaining the situation. I gathered documentation and sent in my appeal the very next day. I have tried emailing and calling multiple times since then. The collections company refuses to respond to any of my emails, but every so often I receive an email with a new statement balance as the interest increases. 

It is now XX/XX/XXXX, and I am still dealing with this company. I moved out a year ago and am beyond frustrated that they are still causing me grief when I dont even live there. The collections company wont respond to my emails, and my credit has now been impacted by the incorrect collections account. I have tried disputing the debt with the credit bureaus too, in vain. I am at a loss and dont know what to do. I do not owe this company anything. 

Attached is my proof of my returned deposit cheque with the utilities subtracted. Also attached is a few of my email attempts to the company to appeal/resolve this debt issue. They have not responded to any of my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are unauthorized and i want them removed immediately XXXX XXXX XXXX XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a duplicate account with a collection agency reporting to Equifax in XX/XX/XXXX, but they did not remove the duplicate account after the investigation was complete. 

The original account for the same debt was first assigned on XX/XX/XXXX. The duplicate account was assigned on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Resolution Request Incorrect Reporting by Credit Reporting Agencies for XXXX XXXX XXXX : Personal Loan ACCOUNT NUMBER XXXX To Whom It May Concern, I am writing to formally file a dispute and resolution request regarding inaccurate reporting by credit reporting agencies, specifically related to a debt cancellation event supported by a 1099-C Form. This dispute centers around an account for which I have received a 1099-C Form for the cancellation of debt from the bank that identifies itself as the loan servicer. However, the outstanding balance on this account has not been correctly reported as XXXX XXXX despite the debt discharge. 

Account Information : Company : XXXX XXXX XXXX Account Holder Name : XXXX XXXX Account Number : Personal Loan ACCOUNT NUMBER XXXX Date of 1099-C Form : XX/XX/2023 The issuance of the 1099-C Form by the bank that claims to be the loan servicer signifies the cancellation of the debt associated with the aforementioned account. However, credit reporting agencies have not accurately reflected this significant event in their reporting. I believe that these agencies need to demonstrate a good faith effort to display the XXXX balance as the debt has been duly discharged. 

Enclosed with this complaint is a photocopy of the 1099-C Form for your reference. It provides clear evidence of the cancellation of debt associated with the account in question. Therefore, I respectfully request that the CFPB intervene to facilitate the following resolution : Resolution Request : 1. Immediate Removal or Correction of Reporting : Credit reporting agencies must promptly remove or correct the reporting of the account in question to accurately reflect a XXXX balance, consistent with the debt discharge as indicated on the 1099-C Form.

2. Cease Negative Reporting : Credit reporting agencies should cease any negative reporting associated with the XXXX debt, including but not limited to late payments, defaults, or other derogatory remarks related to this account. 

3. Confirmation of Corrected Reporting : Credit reporting agencies must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a XXXX balance and that negative reporting has ceased. 

I firmly believe that this dispute and resolution request will lead to a fair and accurate resolution of this matter. I kindly request that the CFPB investigate this issue and ensure that the credit reporting agencies comply with the applicable regulations and guidelines governing accurate and fair credit reporting. 

Thank you for your attention to this matter, and I look forward to a swift and accurate resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to verifying that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting or other personal consumer reports

Under the fair credit reporting act it is a violation of my rights to report late payments on my account 15 USC 1666b 15 USC 1681 S 602 and 15 USC 1681 S 604a please have these late payments removed in accordance with US law Account XXXX  financial this account has been disputed and removed with the cfpb and other credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report and noticed LVNV FUNDING placed private information about an account I have with them on my consumer credit reports. Per 15 US code 1684 and 15 US code 1681b from the FCRA, the law clearly states : In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Meaning, if you havent received written instructions from me, THE CONSUMER, to put an account on my report, it should not be there. This is a violation. I never gave written instructions to furnish any of the following accounts on my report : LVNV FUNDING XXXX ( Collection ) Secondly, according to 15 USC 1681, the law states : Accuracy and fairness of credit reporting. The congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The following accounts are inaccurate and are in clear violation of my privacy which is a violation of the law. This is damaging to my reputation. As the consumer, I demand the following accounts be deleted from my credit report immediately.

LVNV FUNDING XXXX ( Collection ) As the consumer, I did not give any written instructions to have this account reported on my consumer report. I have not given this creditor permission to put this account on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft pursuant to 18 USC 1028A. They have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

15USC 1681 ( a ) ( 4 ) A consumer has the right to privacy there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

They are in federal violation of my rights, as a federally protected consumer who has the right to privacy. In addition, I demand to have a copy of my updated consumer report once the deletions have been made.

Thank you for your assistance with this violation, XXXX XXXX
Product: Credit reporting

XXXX XXXX is still on my credit report and they have sent me a letter months ago saying they were going to remove it. I am in the process of retaining my lawyer to take Experian to court but I do not want to drag XXXX XXXX into this since their investigation did find the account fraudulent. Contact them and they will tell you.
Product: Credit reporting

I went to the website XXXX and completed all XXXX sections and when I got to the XXXX section to obtain the reports I received a message stating I would be unable to get the reports online I would have to mail in a request to obtain them. I do n't understand why the site would have me enter my personal information under the guise that I will receive the reports online and then tell me that I ca n't get them.
Product: Credit card or prepaid card

I disputed one of the purchase that I placed an order. 
I placed an order ( XXXX ) first and got rejected by Amex on XX/XX/XXXX. 
I placed an another order ( XXXX ) due to first order didn't for through on XX/XX/XXXX. 
I received pick up notification since our apartment had no access and I picked up at the access point, I did not check the order number because I was informed by Amex that first order didn't approve for some reason. Anyways it didn't fit my daughter, therefore I returned it and got refunded of {$3700.00} from merchant. However about a month later Amex charged me another {$3700.00} and notified me that first order went through and merchant sent me two packages. I have filed disputes multi times stating that I only received one package either first or 2nd order. Amex was the one who declined my first order and charged me month after. They ignored my dispute claims and keep charging back to for the amount of {$3700.00}. I actually should have credit since I over paid and now my statement showing I owe Amex {$2200.00}. I requested Amex to re-open the case and they refused my request saying they are afraid that this charge was over 60days. As you can see, it's not true and I filed it with in 60 days but Amex didn't resolve this matter. I even sent them Certified Mail regarding this issue and got ignored.