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

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX XXXXXXXX XXXX  Account number XXXX Original balance {$200000.00} Date opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX balance {$9800.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  XXXX  Original balance {$5000.00} Account number XXXX Date opened XX/XX/XXXX XXXXXXXX  XXXX XXXX Balance {$9800.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  Original balance {$200000.00} Account number XXXX Date opened XXXX XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Highest balance {$10000.00} XXXX XXXX  Original XXXX {$200000.00} Account number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} Account number XXXX Date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

i notice syncbXXXX reporting information on my credit report without my knowledge which is a violation of TILA, 15 USC 6802b ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also, 15 USC 1666b in which i never received anything, especially authenticated 21 days before it was due. 
I am requesting that this account be deleted ASAP from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that a few questionable accounts on my credit file be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion. The complaint number was XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion to resolve anything. In fact, I know that there was data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion must be held accountable and to the standards clearly outlined in the FCRA.
Product: Debt collection

I was sent two notices from a company by the name of Congress Collection. They are both dated XX/XX/2022. One is in the amount of XXXX and the other is in the amount of XXXX. Both of these matters were forwarded to a collection agency by XXXX XXXX XXXX a ignition interlock company. The company stated they had sent me a bill on XX/XX/XXXX and this was never received. Previously they would email, send a bill, and even call when there was an amount due. I never received any notification at all that there was any amount due until I received these notices from a collection agency. The amounts shown on the notices has all kinds of charges that dont pertain to my accounts. First they have a retrieval fee, and I sent the devices back. They have lease amounts that are incorrect due to the fact I have documentation signed by a judge that orders half price monthly fees. Then they are stating I owe fees for this matter being sent to collections when I was never notified. The collection agency stated that my credit will be affected if I dont make payments on these accounts. Im very frustrated with this entire thing because I just spent 3 years cleaning up my credit history. I understand that there may be amounts due and am willing to take care of what I owe however the way this has been handled I believe is predatory.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint of Inaccurate Reporting Under the FDCPA and FCRA To Whom It May Concern, I am writing to file a formal complaint regarding the inaccurate reporting of my [ Creditors Name ] account, which violates provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the specific discrepancies and issues with the reported information : RE : XXXX XXXX Account Information : Credit Limit : {$200.00} Date Opened : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Account Closed : XX/XX/XXXX Reported Balance : {$0.00} Payment History Discrepancies : For the year XXXX, XXXX payments were made and posted. 

For the year XXXX, XXXX payments were made and posted. 

For the year XXXX, only one payment was posted in XXXX, but no payments were reflected for the first 11 months. 

This account was a secured account, and despite making timely payments, the secured funds were never returned upon the accounts closure. Additionally, the reported information lacks consistency with my payment history and financial records. 

FCRA Violations : Under the FCRA, credit reporting agencies and data furnishers are required to ensure the accuracy and completeness of information included in consumer reports. Specifically : Section 611 of the FCRA requires credit reporting agencies to reinvestigate disputed information to determine its accuracy or delete it if it can not be verified. 

Section 623 obligates furnishers of information to provide accurate and complete data and correct any identified inaccuracies. 

The reported XXXX balance, coupled with inconsistencies in payment posting, creates a misleading record of my creditworthiness, which has directly impacted my financial standing. 

FDCPA Concerns : Furthermore, the FDCPA prohibits deceptive and unfair practices by creditors and collectors. Failing to reflect accurate payment information and withholding secured funds upon account closure may constitute deceptive practices under the Act. 

Requested Action : I am requesting the following : A thorough investigation into the accuracy of the reported account information. 

Immediate correction or removal of the inaccurate data from my credit report. 

A written explanation of the results of your investigation, as required by law. 

I am attaching supporting documentation, including my payment records and account statements, for your review. Please confirm receipt of this complaint and provide a response within the timeframe prescribed under the FCRA and FDCPA. 

Thank you for your prompt attention to this matter.
Product: Credit reporting

I have a public record judgement on my Equifax report. It was paid and should be removed. The other XXXX bureaus have already removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$9000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$600.00} XXXX XXXX Balance : {$160.00}
Product: Checking or savings account

As a result of a bank merger, my account XXXXXXXX XXXX XXXX based in XXXX, TN, was merged with Pinnacle Financial Partners, also based in XXXX, TN. As a result of a temporary change in my banking needs, I had stopped actively using my account after XXXX, but kept the account open as I intended to start using the account again in the future. In XX/XX/XXXX I was asked to send a copy of my ID to the bank, presumably related to the expiration of any ID I may have previously provided. I complied. I was informed at this point that my account was pending closure due to XXXX balance and extended inactivity and that I would need to deposit funds to the account to keep it open. I did so, and was told that it would then remain open. However, at this point the account started being charged service fees, which brought the account balance to XXXX over time. This was not supposed to happen because my account was supposed to be grandfathered due to XXXX XXXXXXXX XXXX  merger, with no requirements to waive the monthly service fee. Unbeknownst to me, the account was closed in XX/XX/XXXX when the account balance went to XXXX. When I wanted to start actively using the account again, I logged into my online banking I went to the XXXX XXXX XXXX branch on XX/XX/XXXX this year to make a deposit, whereupon I was informed of what happened. I had received no notice, electronic or by paper, and in fact continued to ( and continue to ) receive regular " Monthly Highlights '' e-mail communications from them, and based on my understanding of the account terms, believed I still had funds in my account, requiring them to provide written notice 10 days before a closure would happen. I was also told at the branch that there was no XXXXurther avenue of escalation to appeal or reconsider the decision within the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY XXXXhas a 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 710. XXXX has me at a score around 592. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit card or prepaid card

I recently received a credit report update that showed a new credit card opened up under my name. The card is with TD Bank ( which I have no knowledge of doing ) and is associated with an address and phone number that I have never lived at / used. 

This card was opened on XX/XX/22 and I believe this was an incident of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express duplicates charge off of the same credit card account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of {$6000.00}. 

I request AMEX Cease and Desist. Due to age discrimination I have been unemployed since XX/XX/XXXX when laid off from FICO as a XXXX XXXX XXXX. 
I request AMEX Cease and Desist to settle account at 60 % and immediately sue. 
Judgement will fall off consumer credit report after 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account shows inaccuracy in the report of the 3 credit agencies showing in equifax that in XXXX and XX/XX/2018 late payments were made, and in XXXX XXXX and XXXX. thing in which I never had any late payments, and this report is negatively affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS LAUGHABLE AT THIS POINT, EQUIFAX AND ONLY EQUIFAX CONTINUES TO REPORT NEW UNVERIFIABLE UNIDENTIFIABLE INFORMATION AND ITEMS ON MY REPORT SINCE THE START OF 2020, AND AGAIN, THIS XXXX XXXX XXXX AUTO LOAN ACCOUNT DOES NOT BELONG TO ME. IT IS BEING FALSELY REPORTED AND HINDERING MY CREDIT SUBSTANTIALLY. THIS DOES NOT BELONG TO ME. I WAS NEVER SENT ANY TYPE OF ALERT OF THIS ITEM OR HAVE I BEEN SENT ANY FORMS OF VERIFICATION FOR THIS ITEM SINCE I DISPUTED IT. UNDER FCRA 809AB LAWS, EQUIFAX HAS NOT BEEN HONORABLE. I AM POSTING THIS TO BE CERTAIN EQUIFAX NEXT ACTIONS ARE BEING SUPERVISED AS I NO LONGER TRUST THEM.
Product: Debt collection

On XX/XX/XXXX, I received written notification ( see attachment ) from XXXX XXXX XXXX on a closed XXXX XXXX checking account.The letter indicated {$560.00} as an amount owed which is incorrect. 

On XX/XX/XXXX, I received written notification ( see attachment ) from XXXX XXXX Remediation Department that the bank owed me {$85.00} and enclosed a check in that amount. That check was cashed at my current banking institution. 

XXXX XXXX XXXX should have received correct information from XXXX XXXX concerning this alleged debt prior to notifying me. As a result, the information in which I received from the collection agency is incorrect and therefore violates the Fair Debt Collection Practices Act.
Product: Credit card

This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, XXXX, XXXX, Citicards ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is Citicards. Upon reviewing my ENTIRE statement history from Citicards ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the Citi tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, XXXX and XXXX ) immediately delete this tradeline. I am also writing to request Citicards ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a legal affidavit certified mail to the mentioned company. I have disputed this item a few times in the past. Therefore, an affidavit was needed with this dispute due to lack of transparency in previous disputes, the affidavit stated a response within 10 days was needed. This is a legal document and can be used as evidence in the court of law. I have receipt from USPS mail the document was received on XX/XX/XXXX. I have never received a response! 
This company has inaccurately reported info on my report and while doing that the company as well is committing tax fraud at the same time. 
I contacted company via phone XX/XX/XXXX and was aggressively verbally attacked by Manager believe name was XXXX in Recovery Department. I asked to speak to Legal Department in which he claimed did not speak to public as well he claimed no document from me was ever received.This is a clear violation of my rights under The FCRA to obtain a fair investigation to any concerns of reporting I see to be either unaware of or concerned about accuracy on my consumer report. As well I sent disputes to Experian and XXXX in regards to this company at same time. They have both responded with verified. I am really curious how they verified any info seeing it as Company never responded to my Legal Affidavit. These CRA are accomplice in false inaccurate reporting. This company is reporting a charge off with a balance which under federal law is false and tax fraud due to charge off debt being instantly converted into income. Income is not reported on consumer reports. Every correspondence I have sent out has been Notarized and Certified Mail. I am concerned with all parties handling a correct investigation into this matter. It has caused me a lot of anguish this reporting.
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. 

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Alliance collection agency has repeatedly responded to my previous complaints saying that I owe a debt that they have not verified. This is against the FDCP and the FCRA and needs to be removed immediately. I have attached to this complaint the full court document showing different amount being collected as well as evidence showing that it has been dismissed with prejudice. This will also be forwarded to the Credit Bureau for removal as well.
Product: Money transfer, virtual currency, or money service

On XXXX of XXXX paypal limit 2 of my account permanently for 180 days. all effort i tried to reach them proof abortive when they manage to reply me all they will tell me is there decision to limit my account permanently is final. this they did with my fund inside it in fact they ruin my business for almost the past 172 days i haven't done any business online in fact they live me with big debt only for them to later comply to me after reporting through XXXX, they allow me to withdraw from one of my account with the limit in place when i start complain for the other two, they ask me to write them through the email i used to create those account only until XXXX of XXXX they clear the {$110.00} USD have inside that account they term it a payment for damages this they do without my consent. they never send an email to me before doing it and that fund am hoping to use it pay my landlady because my rent has been overdue for 2 months and i have make promise to hear to pay at the end of the month, this didn't stop there after charging without prior notification my account they still left it frozen i have tried to reach them without reply i will appreciate it if you guys will intervene on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$520.00} XXXX  XXXX : XXXX -- -> : {$440.00} XXXX XXXXXXXX : XXXX -- XXXX : {$1100.00} XXXX XXXX  : XXXX -- > {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 my account shows that it was 60 days past due. This is very inaccurate and I have contacted XXXX XXXX about this late payment and I was told to call the credit bear. I filed a dispute with XXXX  and the inaccurate report is still being reported on my credit report.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX