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

Sent disputed letters to trans union asking to verified and valid accounts that dont belong to me and is a product of identity theft I asked for contracts and application with my sign signature to verify my identity I have not received either all I received was a letter saying the account have been verified as accurate and a couple of bills that dont belong to me
Product: Prepaid card

On XXXX XXXX I purchased 3 Vanilla Visa Gift cards, 2 of the cards were defective. 
On XX/XX/XXXX I contacted the company for assistance, they told me they would give me a claim number to refund the XXXX dollars. I had not received the refund, so I called to find out why. I was told a check was mailed on the XXXX of XXXX and to give it 3 weeks to received the check. The day I contacted them on was XX/XX/XXXX so the 3 weeks had pasted. I have been calling them ever since and keep get the same answers, they say they will escalate it to a supervisor, or wait XXXX to XXXX hours for the system to update, or we are investigating the claim. Claim # is XXXX
Product: Payday loan, title loan, or personal loan

They keep reversing transactions for payments I made then had me go purchase gift cards for the " small loans they gave me '' but the money was never a loan to begin with, which I found out later. They promised to reverse all of the money but their " server went down '' and I never received the money back nor did I receive the loan. I have all of the gift cards and receipts for the money sent them. I did contact XXXX  ( one of the places I purchased gift cards from ) but was told I was out of luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an identity theft dispute with XXXX stating that I have been a victim of identity theft and have provided them a copy of my passport, Affidavit Identify Theft, and Consumer statement stating that the accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine, and I have not done any business with them. XXXX has refused to block these accounts from my credit profile under the law Under 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I want these account deleted from my XXXX credit profile.
Product: Credit reporting or other personal consumer reports

I discovered incorrect information on my credit report, as outlined by 15 USC 16c-2. This information is inaccurate and negatively affects my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below in my complaint has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 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.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 disputing the information on my Equifax report collection account XXXX with # XXXX and balance of {$510.00}. The original creditor is XXXX XXXX  I am a victim of identity theft and I never authorized this account I requested proof or verification that I agreed to this contract and have still not reached a resolution. 

; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written directions under USC 166B a creditor may not treat a payment on a credit under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at the most recent credit reporting agencies letters and have come across some erroneous information. 

XXXX XXXX Reported : XX/XX/2018 {$300.00} XXXX XXXX XXXX XXXX XXXX Im not too sure what this or who it belongs too? This is not mine and does not belong to me
Product: Credit reporting or other personal consumer reports

The inquiries are fraudulent. The last XXXX XXXX inquiries are not mine. The FTC report is included in the first report. It just showed up again yesterday.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding late payments on my credit record. After reviewing my records and sending letters over 30 days ago without receiving a response or satisfactory validation, I seek assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Checking or savings account

The account with TD BANK was close a long time ago, and this month I received a letter from a debt collector telling me I'm still owes to TD BANK. TD BANK closed my account automatically when i recently open the bank account with them, i haven't any access to that account and also. 

I don't understand what happened.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX Charge-off {$770.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an account reported on my credit report that appears to be inaccurately and inconsistently reported by [ creditor name ] to the credit bureaus ( TransUnion, Experian, and Equifax ). 

Here are the details of the account in question : Account Number : XXXX Account Type : Credit Card ( XXXX  ) Date Opened : [ XX/XX/year> or XX/XX/year> depending on discrepancies ] Balance : {$3700.00} Credit Limit : {$2500.00} The following potential violations of the Fair Credit Reporting Act ( FCRA ) were observed 1. Inconsistent Reporting of Account Status : The account is listed as " Closed '' on one bureau and " Open '' on others. This inconsistency violates the FCRAs requirement for data accuracy and uniformity across credit bureaus.

2. Balance Exceeds Credit Limit : The reported balance of {$3700.00} exceeds the stated credit limit of {$2500.00}. If accurate, this may indicate either mismanagement by the creditor or failure to update the data. If inaccurate, it is a reporting violation under the FCRA 3. Account Terms Not Clearly Defined : The account lists " 0 Months '' as terms, which conflicts with the ongoing monthly payment requirement of {$94.00}. This creates confusion and implies incomplete reporting.

4. Violation of Reporting Timeliness : There are discrepancies in the " Date Opened '' field across the bureaus, with XXXX XXXX XX/XX/year> and Experian and XXXX XXXX XX/XX/year>. Consistency and accuracy are mandated by the XXXX XXXX XXXX guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries were not authorized by me.
Product: Debt collection

I am disputing several debts that are being reported under my name. The companies claiming to collect these debts state they are associated with American Express, but when I contacted American Express directly, they stated that they do not have these accounts on file and referred me to another number. When I called the new number, I was redirected back to the original company, creating a loop with no resolution.

Additionally, I requested written validation of the debts as required under the Fair Debt Collection Practices Act ( FDCPA ), but the collection agency refused to provide documentation proving that these debts are valid. Instead, they told me to contact the " credit bureau team '' at American Express, but this team does not appear to exist.

I also attempted to negotiate a Pay-for-Delete agreement, but the agency declined and would not provide any resolution options. Because of these inconsistencies and lack of proper validation, I believe these debts are either inaccurately reported or do not belong to me.

Accounts in Question : Account Number Ending in : XXXX Balance : {$3600.00}, Past Due : {$600.00}, Closed on XX/XX/year> Account Number Ending in : XXXX  Balance : {$3500.00}, Past Due : {$550.00}, Closed on XX/XX/year> Account Number Ending in : XXXX  Balance : {$1700.00}, Monthly Payment : {$110.00}, Past Due : {$140.00}, Closed on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXXXXXX 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 XXXXXXXX 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
Product: Credit card

The info provided by citi Citibank is incorrect : you indicated you did not received documentation but documentation was sent and was supporting and here it is a detailed of it and also attached to this complaint : Regarding dispute XX/XX/XXXX {$280.00} XXXX ) XX/XX/XXXX email for the car rental indicating to remove the insurance charge of XXXX cause I was told to contact via email that car rental to remove the insurance cause I did not needed cause I had my own insurance. 

XXXX ) XX/XX/XXXX email to the car rental company indicating the vehicle was defective, vehicle didnt start. 

XXXX ) XX/XX/XXXX email to the car rental reporting the vehicle would stop and that it was picked up by the roadside assistance the previous day. 

This is supporting documentation that I reported the issue and that the car rental did not fixed. This info was all sent to your dispute center team and received by them. 

All there evidence and more was sent to Citibank to properly remove the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Calls and letter about this account daily on a balance that was paid in full and doesnt belong to me please remove from credit report
Product: Credit card or prepaid card

American Express card statement shows only the minimum amount payment on the payment stub. Nowhere on the stub does the full amount appear. This can cause clients to pay less than the full amount and incur interest accrued till the next billing period. This is not a practice of other credit card companies and appears to be an intensional or unintentional act that serves American Express and can financially mislead their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX  Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted as soon as possible. 
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
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Violations of 15 U.S. Code 1681o ( Fair Credit Reporting Act ) ], I am writing to formally file a complaint against [ Company Name ] for its failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which holds entities civilly liable for negligent noncompliance. 

On [ date of incident ], I discovered that [ describe the issue, e.g., an incorrect item on your credit report, an unauthorized inquiry, a failure to investigate your dispute, or a mishandled credit report ]. I immediately contacted your company on [ date of first contact ], requesting an investigation and resolution. However, I have not received an adequate response or correction despite multiple attempts to resolve the issue. 

Summary of Complaint : Nature of the Issue : [ Describe the specific FCRA violation, such as failure to investigate a disputed item within 30 days, failure to provide requested information, unauthorized disclosure of credit information, etc. ] Impact on Me : [ Explain how this has harmed you, such as credit score damage, denial of credit, financial hardship, emotional distress, etc. ] Attempts to Resolve : [ List dates of calls, emails, dispute letters, or any responses you received from the company. ] Legal Basis : Under 15 U.S. Code 1681o, a company that negligently fails to comply with the FCRA is liable for : 1. Actual damages sustained as a result of the violation.

2. Attorneys fees and court costs, if legal action becomes necessary.

Requested Resolution : I demand that [ Company Name ] take the following corrective actions within **
Product: Student loan

I applied to the program XXXX XXXX and quickly withdrew from the program after 3 weeks because it felt like a scam. I do not remember signing a contract that said anything about an XXXX and I also have no access to the contract or any other documentation that would state what I owe. All I got was a threatening email from their lawyer XXXX XXXX from XXXXXXXX XXXX XXXX saying that I should re enroll into the program or pay the amount I owe in full which was XXXX and I have no idea if any interest has been accrued and I am afraid of this. I now got an email to create an account for UNISA to pay the XXXX but again I withdrew from the program ( XXXX XXXX XXXX ) after 3 weeks. I don't know what to do. The company is clearly a scam and has been threatening me legally and I am worried. I am worried about creating an account with UNISA and they have more access to my information and also that I may owe even more. I need help and have nowhere else to turn to.
Product: Debt collection

XXXX XXXX XXXX XXXX had granted my daughter a scholarship to attend. Half way through the year, XXXX XXXX added full tuition to our balance of XXXX XXXX We had previously found discrepancies in their accounting and brought this to the attention of XXXX XXXX XXXX whom is responsible for accounting at XXXX. This was handled in full. Fast forward to the next school year where my daughter was told that she would attend XXXX but only through an online program for 100 days and that we would then be in the same position as a public school in that the state covered the tuition. This bill did not pass legislation and so XXXX XXXX opted to back charge us. We attempted to resolve this matter with XXXX to no avail, All documents will prove this. Just as well, we have been working with the Nevada XXXX to hold XXXX accountable. Our contacts at the XXXX are XXXX XXXX and XXXX XXXX. So in short, our daughter did not attend XXXX for the time in question. She has been in online school. 
Sentry Collections and Recovery placed a derogatory mark on my credit file though I had been already disputing the debt with the original creditor. 
Never did they send information to my home via mail or even call. Only until I saw my credit report, did I contact them at which time Sentry could not verify the debt, changed the amount allegedly due, and added verbiage to manipulate their position. 
These people threaten to garnish wages, sue, and even have a fraudulent " legal '' department. 
If ever the government needed to step in and shut down a business, this is it. 

Neither XXXX or Sentry can validate the amount due. The requested amount does not match between the XXXX. 

Lastly, I have been served papers from Sentry which after my review of FDCPA is in direct violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department however I was unable to file a report due to lack of information as to who may have stolen my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has violated The Fair Credit Reporting Act ( FCRA ) by mistakenly reporting me as deceased to multiple credit reporting agencies. This is violation of Section 1681e ( b ) " Whenever a consumer reporting agency compiles a consumer report, it shall follow reasonable processes to ensure maximum possible accuracy of the information ''. XXXX XXXX had not conducted due diligence. They are the only active creditor reporting this incorrect status to credit agencies. 

Attached screen shots : XXXX XXXXXXXX Experian My complaint is being filed against XXXX XXXX XXXX Their account had been listed on my credit report and closed. 

Recently they fraudulently notified multiple credit report agencies of a new status. The screen shots note that the consumer ( me ) has reported to them that I am deceased. I have not had any contact with XXXX XXXX, or any of their affiliations, since I posted my last payment. I certainly have not contacted them to advise I am deceased, and I am still living. 

Their actions have caused my credit score to drastically reduce such that it does not register on credit agencies reporting scale. Another attached screen shot for XXXX XXXX, via XXXX XXXX shows that I can not access my credit report through XXXX XXXX XXXX. Upon speaking with XXXX XXXX, they advised this is due to being listed as deceased. 

I understand not having any credit score will impact the possibility of getting any loan. Credit reports are also used as background checks for employment verification. I am currently applying for jobs. As such I could be impacted for employment. 

Additionally, while my account is closed, XXXX XXXX continued to charge interest. They also " reopen '' the account so the seven ( 7 ) year clock to stay on my credit report would restart.