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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : 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

TRANSUNION FAIL TO INVESTIGATE MY DISPUTE
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report that need to be removed XXXX - XXXX XXXXXXXX XXXX XXXX date opened. I sent in a letter for deletion about this account and no response from XXXX. Next my other concern is inaccurate reporting too XXXX, XXXX, and Experian by XXXX XXXXXXXX XXXX and XXXX XXXXXXXX both accounts are reporting late payments on my account and I was never late I sent letter voicing my concerns and no response. So I'm here trying to get the CFPB to help me resolve these issue 's because my rights as a consumer has been abused.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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, credit repair services, or other personal consumer reports

It has been more than 60 days and I haven't received any written results from credit bureaus regarding my dispute for these accounts : XXXX XXXX  Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX Account XXXX : XXXX | XXXX Account # XXXX XXXX | XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX
Product: Credit card

Using my American Express card, I paid {$63.00} on XX/XX/year> for an upgrade on a flight for work. The original flight cost was paid by my employer, the upgrade was paid by me. I got XXXX and was unable to travel and cancelled the flight on XX/XX/year> ( the flight was scheduled for XX/XX/year> ). My company received the credit for the original airfare cost and I was told by American Express via chat that I would need to manually dispute the upgrade b/c upgrades don't automatically refund when a flight is cancelled. Seems ridiculous given that the flight was cancelled and my upgrade was for the flight that again, was cancelled, but I followed instructions. I disputed the charge via the app on XX/XX/year> ; however, when I selected that the flight was manually cancelled ( i.e., not automatically cancelled by the airline due to weather or something else ), I received a message that stated that American Express could not open the dispute at all because of restrictions with the XXXX XXXX XXXX regarding flights. This is BS because Regulation E disputes are allowed for all XXXX and XXXX transactions. There are no carveouts for XXXX. I have had numerous instances with American Express where they refuse to open a dispute and I ask to speak to a manager and suddenly, they will open the dispute and refund my money. I think American Express just refuses to open disputes and I would like the {$63.00} refund on the flight upgrade since I cancelled the flight that the upgrade was applicable to ( and my employer received credit back for the original flight ).
Product: Debt collection

I sent a letter to Midland Credit Management after seeing an account they are reporting on my credit report. I never received a dunning letter from them in the first place. I sent them several certified letter requesting legal documents about this alleged debt they are reporting on my reports, but they failed to provide me the requested legal documents or don't reply. I am not liable for this alleged debt and they have not provided the documents I asked. I demand that they delete this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked My Credit and notice fraudulent items on my credit that they are reporting
Product: Money transfer, virtual currency, or money service

( Block , Inc ) due to inadequate costumer service and unfair practices, which violate the Consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.furthermore their dispute process was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transactions act and Regulation E. These actions have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been notified by certified mail regarding inaccurate information reporting to my credit report i have contacted merchant as well as XXXX XXXX requesting validation of debt bearing my signatures and dates i do not recognizes these accounts and demand they be deleted immediately per FCRA and FDCPA you are violating my rights and the law 1 ) XXXX  -late updated AUTO PAY NEVER BEEN LATE 2 ) NELSON CRUZ -DELETED UNKNOWN ACCT In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 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 NO UPDATES TO DISPUTES NOTES MADE TO MY REPORT DELETE AND UPDATE XXXX ACCT NOW
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an 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 any information any other adverse item of information, other than records of convictions of crime 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 reason to believe that the information is inaccurate. 

Account : XXXX XXXX  Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX
Product: Debt collection

To whom it may concern, Back in late 2015 I along with 6 of my coworkers experienced layoffs due to the oil and gas market crashing. This turned my life upside down and I can't remember a time of feeling more stressed out. As you can imagine this put a huge strain on my finances and therefore I was forced to downsize by breaking lease with my land lord and had to trade my truck in for a more economical vehicle. Luckily my landlord was very understanding and knew that I was a good tenant and granted my wish with no refractions. I was extremely grateful as you could imagine. During this time I had great difficulties finding employment though. My background is oil and gas production and no one was hiring. I did what I thought was a good idea at the time and enrolled in a community college and took a very low paying job at a golf course. I was barely getting by and through it all was mounting up credit card debt. Low and behold I found myself hurt on the job with a back injury that still nags me from time to time till this day. I had no choice but to take two months off due to the injury, which was debilitating physically and financially. Inevitably the credit card debt piled up and I could no longer make payments towards it. XXXX XXXX then turned the account over to collections and it has been on my credit report ever since. I once filed a dispute about this and had it removed briefly and unbeknownst to me was randomly put back on my personal credit report by Portfolio Recovery Debt Collections. This is wrong, unethical and illegal. If this formal complaint doesn't resolve the issue I will be seeking legal action. I would like to refinance my truck and buy a home but this ding on my credit report is a huge XXXX eye that keeps me from getting a more favorable interest rate and lower monthly payment. Thank you for your understanding and for reviewing my complaint. Kind regards.
Product: Debt collection

Johnson Mark LLC has summoned me to court illegally I disputed this complaint with all XXXX asking for validation of this account on XX/XX/year>, XX/XX/year>,. I am submitting this complaint against for their attempt to collect a debt they are not legally authorized to collect. Their actions are in violation of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and applicable Credit Reporting ( CR ) rules outlined under the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : XXXX. Failure to Validate the Debt : Upon initial contact by [ Debt Collectors Name ], I requested validation of the alleged debt in writing, as allowed under the FDCPA ( 15 U.S.C. 1692g ). Despite my request, the company has failed to provide proper validation, including proof that the debt is valid, that they own the debt or have the right to collect it, and a full accounting of the amount owed. 

XXXX. Debt Not Collectible Under CR Rules : It is my understanding that under federal law, debts sold to collection agencies may not be collectible unless the agency can legally demonstrate ownership and compliance with XXXX rules. Specifically : Credit Reporting Rules ( FCRA ) : Debts sold to collection agencies must include complete and accurate information about the debt, including its origin, the amount, and whether the statute of limitations has expired. Agencies must also notify credit bureaus if a debt is disputed. 

Debt Ownership : If the original creditor sold the debt, the collector must provide a clear chain of title proving their legal right to collect the debt. [ Debt Collectors Name ] has not provided this. 

XXXX. Violation of My Rights : The debt in question appears to be unverified, unenforceable, and possibly past the statute of limitations for collection under [ applicable state law ]. Attempting to collect this debt without validation is a violation of my consumer rights under the FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit score i noticed a loan for XXXX from a company called lending club corporation i have disputed this account with all 3 credit bureas and XXXX and XXXX  removed the account but XXXX has not removed this account from my credit account XXXX provided them my police report and they have yet to remove it still so i am working closely with the police department to help get this resolved i also asked them if they could remove this from my credit bureau and they stated no that they could not do that untill the issue is resolved so at this point i no longer want to talk or deal with them because the awnser they gave me lead me to believe that they are trying to make it look as if im the one that did this i am a victim of identity theft i have been for many years and there is a fraud alert on my credit report so i dont even understand how it even got threw my XXXX score has decreased because of this i am going to file law suits against them if they do not remove this account this is part of my WARNING!!!! to them is step 1 filing a police report and step 2 filing it threw CFPB opened may XX/XX/2018 term 60 months monthly payment XXXX it shows open and its a unsecured loan it also shows that it is late in which this account is a fraudulant unauthorized account that do not belong to me Please remove this from my XXXX  credit account or else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account that keeps deleting and place back on my credit report. 
XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this follow-up complaint regarding the inaccurate and misleading reporting of the XXXX XXXX account ( Account Number : XXXX ) on my credit report. This is in direct response to XXXX dispute response dated XXXX  and follows my initial CFPB complaint filed on XXXX 

Despite my dispute, Experian has updated this account as " verified '' without providing any proof of investigation or verification documents. This failure to provide substantiating evidence violates FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates that credit bureaus conduct a reasonable investigation and provide consumers with verification of disputed information. Since no proof was provided, this account must be deleted immediately for failure to comply with federal law. 

Details of Dispute : Non-Compliance with FCRA and Reporting Inconsistencies Contradictory Balance Reporting : The account is reported as charged off with a balance of {$45000.00}, yet it also states that 0 % is left to pay on the loan. 
This conflicting information is inaccurate and does not comply with FCRA 1681e ( b ), which mandates accurate and complete reporting.

Lack of Payment History : The absence of payment history makes it impossible to determine how this account was maintained.

FCRA 1681e ( b ) requires that all reported information be verified and complete. The missing payment history means the account is unverifiable. 
Improper Charge-Off Reporting ( Re-Aging Violation ) : The charge-off status is inconsistent with the last activity date of XXXX, suggesting possible re-aging of the debtwhich is illegal under FCRA 605 ( a ). 
A charge-off should not have new activity or updates unless legally collected by a third party. 
Failure to Verify Account Upon Request : The " Profit and Loss Writeoff '' remark suggests the account was written off by the lender, meaning it is no longer a valid obligation. 
Despite my dispute, Experian marked this account as " verified '' without providing any supporting documentation, violating FCRA 1681i ( a ) ( 6 ), which requires a credit bureau to provide consumers with the source and verification details of disputed accounts.
Product: Credit card or prepaid card

I tired to dispute this once as the consumer told me if I close the account they would consider and report to the credit bureaus as paid in full it I give them my account, checking and routing number to take payment out Monthly. They even told me this on recording. Ive spoken with them a few times and they did verify I was right on recorded lines. I tried to dispute this and account executive XXXX XXXX responded and denied my dispute but Ive called him about 100 plus times and left voicemails but he wont return my call which is bad customer service and shows he has no professionalism to answering me or speaking about this matter that his representatives caused.!
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transactions that I have made or authorized. It is the result of identity theft. And I have filed a police report with my local police department to have this issue investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to the CFPB in direct complaint as I am a I have tried to deal directly with the credit reporting agencies, yet to no avail. This is my third attempt as the credit reporting agencies have not adhered to FCRA 605b which specifically states that all accounts identified through  law enforcement in an Identity Theft occurance are to be blocked. These are the accounts that Transunion has failed to address : 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

After checking my reports for the updates requested, I noticed multiple accounts from XXXX XXXX STILL reporting as " charged off. '' According to the XXXX, canceled debt ( chargeoff ) is gross/ordinary income. XXXX DOES NOT get reported on a consumers report. 15 USC 1681e ( b ) also states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my XXXX XXXX XXXX  account for the better part of this year. I started sending disputes to XXXX XXXX directly in late XXXX. And have worked with many different people inside of their company to go over information that was reporting false on my credit reports. In XXXX, I was finally given a letter from XXXX XXXX stating that they would remove a late payment that was on my credit reports for XX/XX/2018. They updating ALL three credit bureaus, but Equifax was the only one to update correctly. I sent the letter to the two other CRA 's and contacted XXXX XXXX XXXX again about the update. I only contacted XXXX XXXX because their update had created new negative information on my account. So I was fighting these new problems with XXXX XXXX, while trying to fix the old problem with the credit bureaus. This cycle of waiting for my credit report to update, new negative information on it, dispute with the CRA 's same old information, complain to XXXX XXXX about new errors on my report, and waiting for credit report to update. Has been a monthly dance for almost half a year. My XXXX XXXX XXXX   account update XX/XX/XXXX with ALL three credit bureaus. It is now a completely inaccurate reporting of my payment history. I am sick of XXXX XXXX doing whatever they want to my credit report and to my credit score. They have violated the FCRA and have failed to produce 100 % accurate information to the credit bureaus in a 30 day time frame. I want this account removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was furnished a copy of my credit report from Equifax and found incorrect information on my report from a company labeled as XXXX with the mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I sent them a letter on XX/XX/XXXX via certified mail that I have attached to this complaint requesting validation of the account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I received my letter back, unopened, marked returned to sender because the address they were reporting to Equifax was no longer valid and they did not have a forwarding address on file any longer. 

On XX/XX/XXXX, I sent a letter that I have attached to this complaint to Equifax via USPS certified mail that was received by them on XX/XX/XXXX confirmed by the certified tracking number. The letter was sent with a photocopy of the undeliverable mail with the address that was furnished from XXXX to Equifax. On XX/XX/XXXX, I received notification from Equifax that the results of my dispute were in and that " the disputed item is not currently reporting on the Equifax credit file XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL '' and that " we verified that this item belongs to you. '' Attached are copies/screenshots of Equifax reporting the account disputed with the address that was mailed to and returned due to being incorrect, the letter that was mailed, the returned mail back to me, my letter to Equifax, as well as their correspondence back to m, and my information to verify myself.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair reporting credit act XXXX XXXX XXXX, has violated my rights.

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 Account name : XXXX XXXX XXXX