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

Company Name : XXXXXXXX XXXX XXXX XXXX Account Number XXXX Company Contact Information : XXXX XXXX XXXX XXXX XXXX, TX XXXX I am filing a formal complaint against XXXX XXXX XXXX XXXX for reporting inaccurate information on my credit report and failing to correct it, violating my rights under the Fair Credit Reporting Act ( FCRA ). The errors include : 1. Incorrect Balance : My account is marked as Paid, Closed, yet it still reflects a balance of {$1000.00} instead of {$0.00}. 

2. Conflicting Status & Payment Dates : The Last Payment Date is listed as XX/XX/year>, but the account was supposedly paid off in XX/XX/year>, creating inconsistency. 

3. Incorrect Account Terms : The loan term is reported as 120 months ( 10 years ) for a secured loan, which appears inaccurate. 

4. Unclear Creditor Details : The report states Company Sold, but does not clarify to whom the debt was transferred ( if applicable ). 

5. Failure to Correct Errors : I have attempted to dispute these inaccuracies with the credit bureaus, but the issue remains unresolved.

Violations of Federal Law ( FCRA 15 USC ) : 15 USC 1681i Requires credit bureaus to investigate and correct inaccurate information within 30 days. 

15 USC 1681s-2 Requires XXXX XXXXXXXX XXXX XXXX to report accurate information and correct any errors when notified by a consumer. 

15 USC 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy in consumer reports.

15 USC 1681c Regulates how long information remains on credit reports. Any outdated or incorrect negative information must be removed.
Product: Money transfer, virtual currency, or money service

I made an account and for 3 days I made several deposits in XXXX ( XXXX ) to it with intentions of trading and investing. I verified my identity, email, linked my bank account, and all my information checked out just fine. So finally I was at the stage where I could begin investing. Since the day I opened the account I had made small deposits here and there when I was able to, and after 3 days my balance was about {$330.00}. This is when I ended up making my first attempt to move or withdraw some of the money. I was shocked to get a message saying my account is being investigated and I have no access to my funds. But they will still gladly accept more deposits, without any mention of an account restriction until you try and use your funds. I also noticed that they have seemingly purposely made it impossible to contact anybody from customer service. They tell you that they will call you but i have been in line for a call back for XXXX hours and nothing... I've read many other people on XXXX and similar sites who have the same exact story as me. So now I'm really worried about my money or if I'll ever see it again. I was told to make a complaint here and it would be the best possible chance of them being held accountable for this, or at least
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural human being, I am a living person. I have rights under 15 USC 1681 equifax is govern by 15 USC 1681 and they violated my rights numerous of times. 
I demand the accounts below listed to be removed. 

According to 15 USC 1681 ; I have the right to privacy and I did not give Equifax permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX xxxxx XXXX
Product: Debt collection

According to the FDCPA I am excercising my right as a consumer and you have violated me on multiple levels including defamation of character, invasion of privacy, harassmemt and soliciting private information for financial gain! I demand remedy as is my right pursuant to 15 USC 1692. I demand you CEASE all communications with me through ALL mediums. Please see attached documentation for further details.
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 : 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 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: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for Noncompliance with the Fair Credit Reporting Act Dear Recipient, I am submitting this formal complaint regarding Experian 's failure to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, Experian has failed to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, citing systemic failures, including failing to forward consumer-provided evidence to furnishers, accepting unreliable responses from furnishers, and failing to provide adequate notification of dispute outcomes to consumers. These practices are consistent with my personal experience, where Experian has not corrected or removed disputed items on my credit report despite the evidence I provided. 

Experian 's inaction has caused ongoing harm to my credit standing and constitutes a violation of federal law and my rights as a consumer under the FCRA. I am formally requesting immediate corrective action to remove or amend the disputed accounts to ensure compliance with legal standards. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or customer service representative. 
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

Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/year> in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments onXXXXXXXX XXXX XXXX XXXX XXXX - I was never late on this at all.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 



As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX Acima Credit Attn : Customer Service Subject : Dispute of Unauthorized Late Fees under 15 U.S. Code 1665d Dear Acima Credit, I am writing to formally dispute the late fees that have been applied to my account. As outlined by 15 U.S. Code 1665d, late fees can not be applied when payments are delayed due to an error made by the creditor or its agent. 

In my case, the reason for the late payments was due to a mistake made by a customer service representative from XXXX XXXX. Specifically, they entered my bank information incorrectly, which caused the payments to be delayed and resulted in the late fees. I had no control over this error and had no knowledge of the mistake until it caused the payments to be late. 

Additionally, I have since taken responsibility for the late payments by setting up and adhering to a catch-up plan, making payments as required. Despite this, the late fees have not been removed from my account, and I am still being charged fees that I believe are unjust and unauthorized. 

As per 15 U.S. Code 1665d, I request the immediate removal of these late fees, as they were not caused by my own actions but by an error made by XXXX XXXX 's customer service team. I also ask that any negative marks on my credit report be corrected accordingly. 

Please provide written confirmation that these fees have been removed and that my account is up to date. If you require any further information or documentation, I am happy to provide it. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section XXXX plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been XXXX days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Product: Debt collection

I received a notice dated XXXX XXXX, 2015 in the amount of {$2100.00}. from Finance System, Inc. I called and asked what this was for and was told XXXX XXXX XXXX referred me ( for a bill I never received from XXXX ). I sent a cease and desist letter and got a letter back stating they have verified my address and the amount I owe is {$2100.00}. I have no clue what this amount is derived from as the XXXX XXXX never sent me a copy of a final statement. In a letter dated XXXX XXXX, 2015, I received a letter from Finance Systems indicating they are attempting to collect a debt and If I did not pay it they would have no other choice than to contact an attorney and sue me, having my wages garnished. I have also contacted Better Business Bureau and Governors Office of Consumer Affairs and this morning sent a final cease and desist letter to Finance Systems, sending copies to the FTC and Insurance Commissioner of Georgia.
Product: Credit reporting or other personal consumer reports

I was recently married and submitted a request to Capital One to update my last name from XXXX to XXXX with my marriage certificate. Capital one erroneously updated my entire name to XXXX XXXX. I opened a prior case XXXX, as I was getting no where with Capital one and getting this rectified. They finally fixed the issue and corrected the name on my account and reissued all cards. Fast forward to XX/XX/2023 I am not getting credit alerts that there is an associated name with my SSN and credit file, which is XXXX XXXX. I am also receiving pre approved credit card offers mailed to me in this name not only from Capital one but from other financial institutions as well which is beyond alarming. A simple name change has caused so many issues and is alarming that a bank completely changed my name to a person who I have no idea who this is. This is my identity, my credit. This name needs to be disassociated with me and my credit/SSN and capital one needs to be held liable for their error and all the time I have spent and continue to spend trying to get this rectified.
Product: Credit reporting or other personal consumer reports

I have called and spoken with several live agents about the excessive amounts of reporting on my credit report. I have filed complaints with the CFPB, and XXXX and letters to my Attorney General. According to Law 15 USC 1681 Ally would need permissible purpose from me and they DO NOT. I never even heard of this company until I saw my report. There are over 15 reports, which harm my way of living as a human being. By Law that is {$15000.00} worth of damages.
Product: Student loan

On XX/XX/XXXX I submitted the attached employment certification. 
I have not not been given credit for XX/XX/XXXX to XX/XX/XXXX. The company insists there was a typed or type like signature. The attached is in BLUE ink and is a hand written signature. 

On XX/XX/XXXX I submitted the attached employment Certification from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX certifying I was employed there for XX/XX/XXXX to XX/XX/XXXX.
Product: Bank account or service

On or about XXXX XXXX 2016, I started the application process for a secured credit card In the amount of {$250.00} with USAA bank. On XXXX XXXX I completed the application and linked my checking account and routing number to fund the CD, with is used to secure the card. On XXXX XXXX I noticed on the USAA mobile app that the funds were pending to be withdrawn from my checking account twice instead of once. I elected to leave the funds in my checking account for withdrawal after receiving assurance that the duplicate charge would be reversed and the funds returned to me in a couple of business days in a worse case scenario. After approximately 7 business days, I started inquiring into the status of my refund. I was initially told that it takes as many as 14 business days to close out the CD and issue a refund check. This time frame obviously differed from the initially time of 2 business days ( max ) I was quoted before. I started calling after this on average 3 times per week until XXXX XXXX. My responses to these numerous calls ranged from, the check was mailed on XXXX XXXX to the check was mailed on XXXX XXXX. I did n't get the same response XXXX consecutive calls. On XX/XX/XXXX I was notified that not only was a check not mailed, but one was never generated. During this entire process I was either lied to by USAA 's CSR 's, the CSR 's did n't not have access to relevant account holder information, or USAA intentionally withheld the whereabouts of my funds. This whole ordeal has caused things to be paid late, affecting my credit score. I had to alter my life to work around the fact that I was short of money when I should n't have been. As it stands now, I bring home about {$220.00} a week, so this was devastating. I would like at least the offer of some kind of compensation for my trouble what was caused by them.
Product: Credit card or prepaid card

On XX/XX/2021 I attempted to log into my PayPal account because my bill was due. Having issues I called to get help. After I was able to successfully reset my account, I logged in and noticed that my account balance was higher than it should have been. I immediately called costumer service again to report the fraud. I was later emailed that my fraud request was denied because the charges were " not unauthorized '' even though they were. I filed a report with IC3.gov giving my information because the local police department didn't help. I also called PayPal again to try to get an explanation ; no help. 

These are the dates and charges that I am disputing : XX/XX/2021 - a payment to " XXXX '' for {$500.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$200.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$50.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$10.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$30.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$500.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$240.00} XX/XX/2021 - a purchase from XXXX in the amount of {$340.00} None of these payments or charges are mine as I do not know a XXXX or XXXX XXXX ; I also thought my account was locked when I made the original claim on XX/XX/2021 but PayPal did not lock the account as requested as the obvious payments that took place after.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy record that Lexis Nexis hold Has another name, not belonging to me or my wife. The name XXXX XXXX XXXX does not belong to me or my wife on the joint bankruptcy I am only disputing the inaccurate information of having another name that does not belong to me XXXX XXXX or my wife XXXX XXXX. I asked that the files to be removed for having an accuracy not because its not belong to me. Under the fair credit act law if a file hold accurate information such as our names it must me removed!
Product: Credit card

XX/XX/year> I was sent electronic correspondence from company, letter would not open had to call customer service was told that credit limit was lowered by {$100.00} ( Never been late and never missed a payment ) This is the second time they have lowered it without reason. They are sending me the letter via US Mail but says it will take XXXX days to get it.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/XXXXXXXX  Bridgecrest XXXX, XXXX Dear [ Bridgecrest, I am writing to request a validation of a debt you claim I owe, as outlined in your letter dated XX/XX/XXXX. I am disputing the validity of this debt and request that you provide me with the information necessary to confirm this debt is valid as per my rights under the Fair Debt Collection Practices Act. You sold this vehicle at an auction and it was sold so the amount that you stated is not right Please provide me with : 1. Documentation of the name of the original creditor.

2. An account of the debt, including the amount you claim I owe, any fees, and any interest.

3. Proof that you are legally authorized to collect on this debt.

4. Copies of any documents showing I agreed to pay this debt. 

Please treat this letter as a formal dispute of the debt until the requested validation is provided. Additionally, cease all communication with me regarding this debt, except for providing the requested validation. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX