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

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update these following accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. 

All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 


This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this 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 verified or deleted immediately : Account Name : XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. Thank you, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

On XXXX XXXX I Purchased a XXXX  XXXX XXXX XXXX, After carefully reading over my contract I notice alot of mistakes & I was very Confused about my contract, My son came with me to the Dealership, I ask XXXX can I add him on he said yes & the next month he was denied to be on the car, I reached out to XXXX XXXX XXXX & spoken to XXXX XXXXXXXX XXXX Manager, I explain to him how I was Under Duress, Pressured & Rushed to sign the contract because it was closing time & I had been there since that morning, I advised him it was a BREACH OF CONTRACT & he was Committing Commerical Fraud, I ask can he Reimburse my {$2500.00} Down Payment he said no & he never mailed me the Credit Application I ask for, I tried to discuss all the ways he took advantage of the FEDERAL-TRUTH-IN-LENDING DISCLOSURES of me & my son Consumer Credit RIGHTS & He was very Rude, Complicated, Uncooperative to deal with so I advise him I will be sending out my letters : RIGHT OF REISSION on XXXX XXXX  AFFIDAVIT OF TRUTH on XXXX XXXX  FAIR DEBT COLLECTION PRACTICES ACT-REQUEST FOR DEBT VALIDATION AND CEASE AND DESIST on XXXX XXXX  Honda Financial Services is currently in Default of its Legal Obligations under the FDCPA, I sent a second letter on XXXX XXXX  as a follow up, also after my CEASE & DESIST letter they continue to Bill me without VALIDATION...
Product: Debt collection

I lived at XXXX XXXX in XXXX, my lease was up and I vacated in XXXX. After leaving the apartment complex thought I had signed a 13 month lease and tried to charge me for additional rent. After collecting paperwork and meeting with them I was able to resolve that I indeed had a 12 month lease and had not violated any terms. I left thinking the issue was resolved. Apparently I still owned {$79.00} in cleaning fees. Which I was not notified of until XX/XX/XXXX. Once I was made aware I immediately paid the amount and have receipts and bank statements to prove this. However NCC business decided to claim that the amount owed was in collections. They contacted me several times to try and collect the money that I had already directly paid to XXXX XXXX. I told NCC I would not pay them because the amount was already settled. NCC refused to contact XXXX XXXX to verify this information and continued to claim it was in collections. I sent them documentation repeatedly that this was paid for. I thought the issue resolved since I had paid in XXXX. Now inXXXX I was purchasing a home and my credit was reviewed. My loan agent brought to my attention that the {$79.00} was still considered to be in collections. I sent a dispute and evidence to NCC and demand that they remove it. They refused for months. Because I had to close on my loan or risk losing the house my lawyer advised me to remove the dispute and wait a year until my loan settles and my credit is safe to dispute again. Now unfortunately my loan rate was severely affected by NCC claim that I had debt. In fact my credit has been affected since XXXX because they lied about me not paying the debt. I reached out to them a year later when my loan was settled and my credit safe as my lawyer suggested. I have sent documentation over and over again to NCC to prove I paid in XXXX. They refuse to make any changes or compensation for my time, hassle, affected credit, and negligence on their behalf. This could have been resolved in XXXX. Instead its continuing to affect me 6 years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 a Bankruptcy was file and dismissed under my name. 

The Bankruptcy is being reported / re verified, reported incorrectly, to Experian by XXXX XXXX, in violation of Federal Regulations.

I.E. Fair Credit Reporting Act Sec. 1681C, mentions nothing in in this act on the disposition of dismissals or filings, the law clearly states from " Date of Adjudication '' or " Order of Relief '', in the event of a " Dismissal '' there is n't an " Order of Relief or " Adjudication ''.

or 1681 ( a ) 5 of the FCRA, for more detailed information. 

Therefore, XXXX XXXX is in violation of selling/reverifying public records to Experian, knowing they are in violation of Federal Regulations and Experian is aware of this and still refuses to remove said, Bankruptcy Reporting action, from my report, both companies need to be held accountable for knowingly violating Federal Law. 

So, all the reinvestgations have proven to be a farce and have n't held XXXX XXXX or Experian to the letter of Federal Regulations
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I sent a Experian a dispute with tracking information. ( XXXX : picked up by postal facility at XXXXXXXX XXXX on XX/XX/2023 ) I contacted them again in XXXX and sent them another certified letter ( XXXX : Your item was picked up at a postal facility at XXXXXXXX XXXX  on XX/XX/2023 in XXXXXXXX XXXX XXXXXXXX. ) they acknowledge they got the one in XXXX, but say theyd somehow dont have the one sent in XXXX. They were signed for by a XXXX XXXX and XXXX XXXX from Experian acknowledge that that is a person in their mail area. I still do not have answers to why my dispute was not responded to. I sent a paid in full letter to the account. ( a representative from Experian called me today and admitted that they did not even know what the dispute was about- even though every document was in the letters that have tracking numbers above ) she admitted that the name on the account on my credit report is different from the original creditor : this is why I think they screwed up because they didnt realize it was the same account! I still have yet for them to take it off my credit report, even though the dispute never went through
Product: Debt collection

I have recently pulled my XXXX credit report and have noticed accounts that have been investigated and deleted by another credit bureau are still being reported by XXXX and XXXX.. I have continuously disputed this account without any resolution continuously. Pursuant to the FAIR CREDIT REPORTING ACT, I expect you to complete the removal within 30 days.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$4200.00}
Product: Credit card or prepaid card

To whom this may concern, Back in XXXX of 2020 I missed a payment on my credit card with capital one. This was due to some financial hardship at the time because I was switching from job to job. We did not have enough to make the minimum payment. This negative remark is reflecting on my credit score now and it is causing unnecessary suffering to me and my family. Our ability to secure low interest financing on loans is being affected. So in a good faith effort to resolve the issue I reached out to Capital One on XX/XX/2020 in order to correct the mistake. I tried to reason with them but they unfortunately did not work with me. It is unfair to keep this on my record due to my lack of ability to pay at that point in my life, it is now causing us harm and there must be solution to this matter.
Product: Debt collection

Santander Consumer USA Inc. refused to cease and desist all collection activities after responding to a complaint stating that they would cease and desist. Santander Consumer USA Inc. agreed to correct all inaccuracies that they were reporting after 160 days they still have refuse to correct anything.
Product: Credit reporting or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't under any influence of anyone else and this is not a third party. The three major credit bureaus are showing low and inaccurate credit scores and reports for me in their systems. I have complained numerous times for them to fix the situation about fully inaccurate items. The problem has not been resolved by any of them. Before these items were placed I had a XXXX and now they show me at a score like XXXX, that is a major scary difference. Transunion paints me as an untrustworthy consumer from the stuff that they placed. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization on my accounts. I have modest but ok income. Something is wrong with these bureaus. I do not understand why they are abusing consumers .They kept lying telling me they disputed n its not reporting but it kept reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the inquiries and it's been 60days and they record the calls and admitted they had my police report n ftc and affidavit. That was after attempting to contact Transunion more than 21 times. These companies are supposed to be protecting consumers. They need to be corrected and I wish they would listen. they are causing me XXXX  XXXX and stopping me from getting this job offer that I have which is horribly stressful PLEASE HELP im extremely frustrated. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Debt collection

Midland Credit Management purchased the debt from another debt collection agency for a XXXX XXXX Credit Card. A settlement arrangement was made and paid for 2 years to the agreed settlement of over XXXX XXXX At the conclusion of the agreed upon settlement they did not abide by the agreed terms and reported the remaining balance owed to the credit agency indicating no settlement was made.

Since then I have worked for over a year to get them to comply with their terms, have disputed the remaining balance and their misleading predatory practices to no avail. I have also disputed with the credit agencies and it remains on my record. It was also agreed on during the settlement that they would not report it and only after I fulfilled my agreement did they report it to the credit agency with the reduced balance and no history of the payments made.
Product: Debt collection

Ive sent this company a debt validation letter still no response or actions taken towards this account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX and XXXX XXXX XXXXXXXX, account # XXXX, have violated my rights. 

15 U.S.C. 1681 602 A states I have a right to privacy.

15 U.S.C. 1681 604 A, section 2 states a consumer reporting agency can not furnish an account without written instructions of the consumer to whom it relates.

15 U.S.C. 166B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
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 XXXX Account Number : XXXX has violated my rights. Or a 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: Money transfer, virtual currency, or money service

On XX/XX/year>XXXX  {$1400.00} was taken from my checking account and consider fraud and my bank account was automatically closed. The same time as my automatic bills were due might I add. When I called they said they didnt understand why to go to a branch and I made an appointment to go to a branch on XX/XX/year> at XXXX XXXX to meet with XXXXXXXX XXXX XXXXXXXX XXXX on the phone the representative said she would be able to help me. When I arrived for my appointment she had no idea who I was or the situation. she said she didnt have any information and that I would not be able to get my money even from my savings account. After pleading with her they let me take my money out of my savings account but never gave me any information on what the fraudulent charges were or how I could get my money back they just closed my account and didnt give me any information. When I called because the branch said they have nothing to do with fraud I was again told to make an appointment leading me no where. This was with XXXX XXXX XXXX XXXX and I never received my money back of {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting my account as a charge off and the account is open and was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to investigate or respond to an initial dispute within its 30-day timeframe regulation. In addition, they have continued to utilize stall tactics to avoid addressing the issues with the items identified in the original and follow-up dispute. I have sent several copies of my SSC, Valid ID, and utility as a means of identifying myself with the dispute. At this point, I would like the incorrect, inaccurate, and unverified items on my Experian credit report to be DELETED. This has become ridiculous and a hassle and I need this matter to be resolved immediately! I have also attached identification to this complaint and my previous complaint and nothing has been done! According to the Fair Credit Reporting Act, According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' However, I have already sent the required identification proving that I am representing myself and need the INACCURATE, INCORRECT, ERRONEOUS, and UNVERIFIED items originally disputed ( XXXX XXXX and XXXX accounts ) REMOVED/DELETED! I will be forced to take further legal actions if this is not accomplished.
Product: Credit card or prepaid card

My wife and I decided to open up a XXXX XXXX credit card. The main incentive and motivation to open a credit card was the rewards program that would assist us in purchasing items for our new home. On XX/XX/2018, we purchased various furniture and fixture items for our house totaling {$2900.00} before taxes and shipping fees ( see attached ). The promotion that store marketed to us was any purchased made through the XXXX XXXX weekend ending on XX/XX/2018 was eligible for double points. 

The issued occurred when the purchase of the dining room table and recliner was not charged on our credit card until after the promotional period. Their system could not recognize that the purchase was made within the promotional period and applied the points as if we had made the purchase on XX/XX/2018, the date of shipment, which is outside the promotional period. As a result, we lost out of {$170.00} worth of rewards dollars we were entitled to per the credit card and promotion agreement. 

After dealing with the store and corporate, they acknowledged that a mistake was made that should be correct but they indicated that we must go through the third-party credit card provider, XXXX XXXX, to correct the issue. The credit card company said they can not control or have insight to promotions by the store and correcting the application of rewards dollars. 

After going back and forth for two months getting nowhere, I finally requested to speak with a supervisor from XXXX XXXX. The supervisor indicated that there was no way I will ever be re-credited the misapplied rewards dollars cause no one has the power to do so. I then requested that I close my account because both XXXX XXXX and XXXX XXXX breached the terms of the promotional and credit card agreement and that I was mislead. 

The account was closed on XX/XX/2018. On XX/XX/20018,  XXXX XXXX sent a letter ( attached ) indicating that based on their investigation that they will re-issued the XXXX points that should have been applied in the first place. However, because my account was closed based on what the supervisor told me, I can no longer utilize the rewards dollar. When I asked the bank how I can use the rewards dollars, the bank just said that they will use my feedback to improve customer experience. 

The way I been treated should be taken note by anyone who plans on doing business with XXXX XXXX and their subsidiaries. I hope my issue can be resolved promptly.
Product: Money transfer, virtual currency, or money service

I am writing to Formally expressed my concerns Regarding Zelle 's handling of disputes. Particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform Despite using Zelle numerous times & reporting discrepancies My financial institution and Zelle failed To investigate my claim adequately They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs Findings indicate that Zelle has not only neglected To protect customers But has allowed repeat offenders To exploit the system Leaving users vulnerable to scams. The lack of Accountability and transparency Is unacceptable and raises Serious concerns About customer safety.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my company XXXX XXXX XXXX sent XXXX XXXX to Wise to be transferred to a rXXXX XXXX XXXX XXXX that I was renting for a XXXX I was having the XXXX to XXXX of XXXX XXXX. It was a stressful process and in my stress I managed to transfer my money to the wrong receiver. The XXXX  owner reacted a few days later stating that she hadn't received the money, so I panicked and immediately reached out to WISE and filed a claim to get my money back. They said that I shouldn't worry and that they would help me and that it would take about XXXX working days. During this time I regularly checked in with them and after XXXX days they returned saying that they couldn't help me. I don't know how to get my money back since the receiver is a complete stranger and I don't know how to reach her. Please help! Thanks
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found pursuant to consumer law, specifically UCC 9-506, a repossession entry is inaccurate and does not reflect the circumstances surrounding the repossession accurately.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquires that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>