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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, Transunion XXXX XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX, Transunion & XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX, Transunion and XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, Transunion XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigation. Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting two fraudulent accounts on my credit report. The first account is a XXXX XXXX closed account with a balance of {$830.00}. This is not my account and I would like it removed. I currently have a XXXX XXXX credit card with a credit limit of {$300.00} and my balance is under my credit limit. For some reason Transunion is not reporting the credit card that I currently have with XXXX  XXXX, they are reporting a fraudulent account. I disputed this account with XXXX  XXXX and Transunion on XX/XX/2017 with no response from either company. I am entitled to fair credit report, reporting. I would like this fraudulent account removed from all three credit reports and for my current XXXX  XXXX account to report. 

The second account that Transunion is reporting is a XXXX account. I have never had a XXXX account. I disputed this account with XXXX and Transunion on XX/XX/2017. I have not received a response from Transunion or XXXX. According to the fair credit report act i am entitled to have a correct credit report. Please remove this account. 

Thank you
Product: Student loan

Navient and the XXXX XXXX XXXX is a rip off. They are misleading people with incorrect information and as a result I lost out on years of qualifying public service loan forgiveness payments and thousands of dollars. I started working for a public service government agency in XXXX. Since the beginning we have sent certified letters to nvaient/ XXXX XXXX proving I am still and employee. Since XXXX, I have paid towards the program. In between XXXX, I TOOK OUT XXXX PARENTS PLUS LOANS.. At the direction of navient/ XXXX customer service representative , told me I Had to consolidate to stay in the program and that I would lost out on any payments previously made. LIES, LIES, LIES. In XXXX of XXXX, the consolidation went through and I was told by at lease 6 representatives from the department of education and navient that I had to start the program over, that there was nothing they could do. Now, when I should be coming to an end of my 10 years, I have to start all over because I listened to them. I truly believe there are some fraudulent motives.
Product: Credit reporting

XXXX XXXX XXXX ( XXXX ) placed a collections account on my credit for an alleged debt of {$270.00}. I never received a debt validation letter from XXXX, and when I asked them they said they mailed me one in XXXX 2016 which is a flagrant lie in flagrant violation of the FDCPA. XXXX is illegally trying to " park '' an alleged debt on my credit report even though I do n't owe any alleged debt to XXXX. The tradeline for XXXX needs to be deleted because I do n't owe any alleged debt to them nor did I ever receive a debt validation letter.
Product: Mortgage

I contacted LoanCare Inc. regarding a late added to my credit report. The loan was paid off and according to one the agents, " there XXXX departments often have a delay in updating pay offs ''. I was told that it would be corrected since I was considering using them for my new loan. I decided to go with a different lender and I called for a status and was told that I now needed to file a formal request to have it corrected. I requested the XXXX # and name of the person I was speaking with and told simply his employee # and last name which I am certain was fake as generic as it was. With all of the mortgage regulations I would expect that this does n't happen anymore. 
The company again is LoanCare llc and the person that refuse to provide information was XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I am attaching copies of all letters sent below
Product: Credit reporting or other personal consumer reports

My wife and I applied for a loan. And before the loan application was even finished entering we started receiving SPAM calls. One of the credit reporting agencies sold our data without OUR CONSENT to other loan sharks. 

We have been bombarded with calls since then - almost every 3 to 5 mins. 

It's absolutely frustrating that we trust the credit reporting agencies to honor and protect our information and they sell it to profit and make money. 

These people should be prosecuted by law to the fullest extent for selling information without consent.
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 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 has violated my rights.

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 a
ny 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. 1681-2 ( 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

I am again disputing my debt with XXXX. On or about XX/XX/2019 I received a new demand letter from another collection agency, this time Credence Resource Management LLC ( " CRM '' ). On or about XX/XX/2019 I requested validity of debt ( see attached ). On or about XX/XX/2019 I received a letter from CRM simply stating that the debt was valid. I called and spoke with a representative at CRM on XX/XX/2019, advising them that I had requested validity of debt, including but not limited to, invoices, contracts, copies of statements. When advising the representative of this, he only kept interrupting me advising me that I can pay a lower amount to settle. I continued to advise him that I had requested validity to prove the debt. He then kept trying to terminate the call. Please note, I have disputed this debt with another agency, reference # XXXX on or about XX/XX/2019. CRM will only validate the debt by saying 'it is valid '. I do not feel this is appropriate validity of debt pursuant to the FDCPA. I have not had XXXX in years, I have paid all balances when I closed my account.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposits. Capital One has citied technical issues which may violate the Electronic Funds transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Credit card approval for usage with no limit on spending or purchase alongside my account considered paid on time, as agreed in perpetuity pursuant to XXXX  XXXX and any other treaty, benefit or provision necessary to keep compliant and within regulatory guidelines.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX XXXX  - XXXX - {$6200.00} XXXX XXXX XXXX - {$4500.00} Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX XXXX Former XXXX XXXX XXXX  XXXX Former : XXXX XXXX Former XXXX XXXX XXXX  XXXX Employers : XXXX XXXX Employers XXXX XXXX XXXX XXXX
Product: Student loan

I have a student loan through XXXX XXXX XXXX XXXX XXXX, which I am paying through XXXX  XXXX XXXX. 

Every single month I have issues trying to make my payments. Their online portal never works. It always says my password is incorrect. I attempt to change my password every single month when I log in to pay. Sometimes I am able to reach a customer service rep that helps, other times they say they can not help me. If i reset my password, it sends it to an email I have no access to. Ive asked for this to be changed and they say they changed it, but it never works. 

This difficulty occurs every single month and I end up struggling to pay the loan on time, simply because I can not get into my account to pay it. I am worried that this will affect my credit. I am not sure if it even is affecting my credit, but making it difficult to log in and make payments seems like a predatory way to collect late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the creditor verified the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. I am disputing this account for inaccurate information because Equifax is reporting a monthly payment on a charged-off account. Now, it is to my knowledge that a charged-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it makes it looks like I made payment arrangements with the creditor which is not the case. 
XXXX XXXX Account Number : XXXX XXXX. Equifax is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX XXXX Account XXXX : XXXX XXXX. This account has been deleted from Equifax but somehow it is still being reported by XXXX. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete it and notify the data furnisher and creditor. If Equifax notified you and the data furnisher that it was inaccurate and incomplete, how are you still reporting this information? 
XXXX XXXX XXXX  Account Number : XXXX XXXX. Provide me with the date of delinquency that the creditor has provided to you. I am of the belief that the date of delinquency is incorrect and needs to be removed if you can not provide it. 
XXXX XXXX Account Number : XXXX I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized.
Product: Credit reporting or other personal consumer reports

I believe that my personal information has been reported to your database without my explicit consent or authorization, which constitutes multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Specifically, XXXX and Innovis have failed to secure my consent or provide required disclosures related to data collection and sharing. I request immediate rectification of these violations as outlined below. Violations : Unauthorized Collection and Reporting of Consumer Information Under 15 U.S.C. 1681b, a consumer reporting agency must have a permissible purpose before collecting or reporting consumer information. XXXX and Innovis have collected and reported my personal data without a valid, permissible purpose, in violation of the FCRA. Failure to Provide Required Opt-Out Disclosure and Privacy Notice Under the GLBA, 15 U.S.C. 6802 ( b ), financial institutions and related entities must provide consumers with a clear and conspicuous notice of their right to opt out of information sharing with non-affiliated third parties. In addition, under 16 CFR Part 313 ( Regulation P ), these entities are required to provide initial and annual privacy notices to inform consumers of their data-sharing rights. LexisNexis and Innovis failed to provide me with any such notice or opt-out option, violating both 15 U.S.C. 6802 ( b ) and 16 CFR 313.7 and 313.10.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly, they violated my rights.
Product: Debt collection

Eastern Account system has violated guidelines of the FDCPA ( attached is a letter ), which outlines this statement. I am requesting the attached information is reviewed in its entirety and all information requested in the letter is provided. 



Thank You.
Product: Credit card

Chase contacted me to apply for a credit card and promised that if I spent {$3000.00} within 3 months that I would receive XXXX XXXX miles as a bonus. Several months after I had fulfilled that spending requirement, they sent me a postcard that said I did not qualify for the promotion and would n't receive the promised points.
Product: Credit card

I purchased a refrigerator from American first finance for {$990.00} after a year of paying them {$180.00} a month I now own them {$1600.00} and I had no late payments, so I stopped paying them. NOW they are putting this debt on my credit report of {$1600.00}
Product: Checking or savings account

I opened up a chime account and decided last week with a representative helping me to move my direct deposit over to chime. My decision was based on the knowledge that the representing told me I would be able to access the XXXX XXXX  feature as soon as my debit card arrived in the mail and I activated it because the representative helped me setup my direct deposit and my check was set to go into chime on Thursday night maybe earlier depending on if chime got it earlier I don't know. Well I got my card on XXXX XXXX XXXX  I activated it but come to find out the representative lied and I have proof he lied I guess I can't access the XXXX XXXX  feature until my first paycheck hits which really hurts me because I was relying on the XXXX XXXX feature since my next check is a week away almost. Not only that I have a couple of small checks but can't dp.mobile deposit. I also asked about the Spot Me feature of overdraft coverage don't qualify for those. I mean what do you qualify for with chime and why their representatives have to lie in order to get your paycheck transfered. I then talked to a supervisor by the name XXXX and she was rude I told her if I don't qualify for anything why should I keep my chime account open. And she was rude and just said then I'll close it and closed down my chime account. Really XXXX company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$28000.00}.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois, XXXX Dear XXXX, This letter is being sent to you in response to a recent charge of {$2700.00} that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt Collector is trying to collect a medical debt that was already paid out by my insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested an investigation into some items on my credit report that did not look accurate. At that time I requested the method of verification used to determine these account were accurate. I waited the 30 days, but did not receive the documents as requested. I did receive a notification that some items had been verified, but was not provided the details or the documents used to verify. 

I requested a re-investigation on XX/XX/2022, and I received the same results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX  the following accounts XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX  # XXXX AND XXXX XXXX XXXX # XXXX are not being reported fairly and equitable and my consumer rights have been violated. The bureaus are not reporting 100 % accurate information on my credit report, late payments, account numbers, dates of last activity, account status and balances. 

The credit bureaus are in violation because of inaccurate, invalidated, and unverifiable reporting tactics, 15 USC 1681 section 602 A states I have the right to privacy, 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish your account without my written instructions. I have sent letters requesting them to verify the accuracy of these accounts.