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

RE : DEFAMATION OF CHARACTER To Whom It May Concern ; This concerns the inaccuracy that is unfairly furnished on my consumer report by your organization which I came to know about on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been severely damaged to a great extent and as a result, my public confidence has been undermined which is essential to the continued functioning of the banking system pursuant to 15 USC 1681 ( a ) ( 1 ) According to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Therefore, I hereby put your company on notice and let you know that neither did I authorize you nor gave you consent to provide this report on my behalf. I also want you to know that your company has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. My means of securing the necessities of life has suffered as a result.

Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

Your organization neither exercised it's responsibilities with fairness and impartiality nor protected my right to privacy Nothing in the law mandates that information on a consumer or anything be reported to a consumer reporting agency. You are therefore liable I request that you provide me information on the system your organization used to establish whether the transaction occurred or not in relation to the report your organization furnished.

Your organization did not adopt such procedures that meet the need of commerce for consumer credit pursuant to 15 USC 1681 ( a ) ( b ). I hereby demand that you remove the following from my consumer report ; 1. Deletion of all XXXX XXXX XXXX closed credit card accounts opened on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, 2. Deletion of XXXX XXXX XXXX XXXX XXXX  XXXX  account opened on XX/XX/XXXX 3. Deletion of XXXX XXXX XXXX XXXX XXXX XXXX  account opened on XX/XX/XXXX 4.Deletion of XXXX XXXX XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX 5. Deletion of XXXX XXXX hard inquiry on XXXX XXXX 6. Deletion of XXXX XXXX XXXX XXXX hard inquiry on XX/XX/XXXX, XX/XX/XXXX 7. Deletion of XXXX hard inquiry on XX/XX/XXXX 8. Deletion of Dept Of Education accounts opened on XX/XX/XXXX, XX/XX/XXXX FAILURE TO ACCEPT MY REQUESTS WILL ESCALATE THIS MATTER TO FEDERAL COURT Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

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

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I have been unsuccessful with getting this information verified and documents provider to me concerning this matter. I also have disputed with all 3 bureaus and everyone failed to provider documents about this account. I am not aware of this account or where it comes from. The bureaus are just verifying based off addresses and not doing their research in providing information in reference to this account. unable to contact this company directly to get information, Its affecting my credit in a negative way and i have nothing to do with this business or never did business with them very got XXXX from these people ever.. This is fraud. XXXX ACCOUNT #
Product: Credit reporting or other personal consumer reports

I am writing to report an issue regarding a credit dispute I filed with Equifax Information Services, LLC on XX/XX/year>. Despite following the required procedures and providing all necessary documentation, I have not received a response or any updates on my credit report as of today. 

The credit bureaus lack of response exceeds the timeline outlined by the FCRA, and it has left me in a challenging position, as my report remains inaccurate. I kindly request that the CFPB intervene to ensure that Equifax Information Services, LLC responds to my dispute and provides the necessary updates to my credit report.
Product: Debt collection

I am sick with XXXX XXXX and XXXX XXXX. They used Multiple Toll Free Numbers, calling a total of 16 times within 10 minutes! I tried replying I was Sick, they acted like I was no  XXXX got very loud and kept saying I must speak to XXXX!
Product: Debt collection

I am writing to file a formal complaint regarding Midland Credit Managements attempt to sue me for a debt that I have no knowledge of. I have requested information about the alleged debt from Midland Credit on multiple occasions, but to date, I have not received any sufficient documentation to verify the legitimacy or details of the debt in question.

Despite my requests for verification, Midland Credit has proceeded with legal action against me, which I find both unjust and troubling. I believe that they are attempting to collect on a debt that either does not belong to me or has not been properly substantiated. 

I respectfully request that the CFPB investigate this matter and assist me in resolving this issue, as I am not aware of the debt and have not been provided with adequate information to understand the basis for the lawsuit. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring that my rights are protected and that Midland Credit is held to the proper legal and regulatory standards.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., 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 XXXXXX/XX/XXXX
Product: Debt collection

I received an initial letter that a debt of {$21.00} had been sent to collections from Mountain Land Collections on XX/XX/XXXX. I was not familiar with this and I asked the company to verify the debt. On XX/XX/XXXX I received a letter from Mountain Land Collections, letting me know the debt was now {$24.00} and it had come from XXXX XXXX XXXX. I have never heard of this company and when I looked them up, I saw that all of their locations and physicians were located in Utah. I do not live in Utah and have never sought medical care of any kind in Utah. Further, the debt was submitted under the name " XXXX XXXX '' but my name was legally changed in XXXX to " XXXX XXXX '' and I do not get services from anyone using the name XXXX anymore. I'm uncertain if this debt is an error or a form of identity theft.
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 TransUnion 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  {$0.00} XXXX XXXX XXXX XXXX {$12.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring your attention to inaccuracies on my credit report that occurred as a result of financial hardship caused by the XXXXXXXX pandemic. According to federal guidance and the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, creditors and credit reporting agencies are expected to provide relief and leniency to individuals financially impacted by the pandemic. However, I have identified derogatory marks and late payments on my credit report during this period that do not align with these provisions. 

Explanation of Circumstances : I was financially affected by the XXXX pandemic, resulting in a loss of income and unemployment during [ XXXX ]. 

During this time, I communicated with my creditors regarding my financial situation, requesting relief and accommodations under the available programs. Despite this, late payments and other derogatory remarks were reported to the credit bureaus. 

Under the CARES Act, lenders were required to report accounts as " current '' if accommodations were made due to pandemic-related hardship. These negative entries appear to have been reported in error or without considering the appropriate guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an XXXX XXXX XXXX account on my credit report that does not belong to me. I have disputed this account many times and informing them that this account was not opened by me. This account is a result of identity theft. Please assist me in getting this account removed from my Experian report. 

Also there are incorrect personal information showing on my credit file : Incorrect Address : XXXX XXXX XXXX and XXXX XXXX XXXX Incorrect Names : XXXX
Product: Debt collection

Dear Sir/Madam, Re : Dispute Regarding Account ; Affirm forwarded to XXXX XXXX XXXX [ Loan ID : XXXX ] I am writing to express my extreme dissatisfaction with the handling of my ongoing dispute regarding the account referenced above. Despite my persistent efforts and numerous attempts to rectify this matter since XXXX, it appears that XXXX has continuously failed to appropriately address the issue. 
It has come to my attention, yet again, that this dispute remains unresolved despite assurances from XXXX to the contrary. Upon contacting Affirm on XX/XX/XXXX, I was informed that my account had been forwarded to a third-party collection agency, namely XXXX XXXX XXXX XXXX XXXX a loan ID of XXXX. This revelation, unbeknownst to me until recently, underscores a severe deficiency in XXXX 's due diligence process. 
Despite my persistent attempts to communicate my concerns, XXXX has consistently maintained that this matter has been resolved. However, the evident involvement of a third-party collection agency suggests otherwise. It is deeply concerning that XXXX has failed to uncover this critical information during the dispute resolution process, leading to significant distress and frustration on my part. 
I must emphasize that this oversight has had tangible consequences on my financial standing, as evidenced by the adverse impact on my credit report. The presence of this erroneous information has undoubtedly hindered my ability to secure favorable interest rates and access credit facilities. 
Therefore, I demand immediate action to rectify this situation. XXXX must conduct a thorough investigation into the handling of my dispute and provide a comprehensive explanation for the persistent inaccuracies in my credit report. Furthermore, I expect XXXX to take swift measures to correct the erroneous information and ensure that my credit profile accurately reflects my financial status. 
I trust that XXXX will treat this matter with the utmost urgency and provide a prompt resolution. Failure to do so will leave me with no choice but to escalate this issue through appropriate regulatory channels. 
Please acknowledge receipt of this letter at your earliest convenience. 
Yours respectfully, XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest " savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX Savings account. The deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

Today, I saw unauthorized inquiries on my credit report, and I have no idea why theyre there. While doing my usual check, I noticed sudden discrepancies that made no sense. Thinking it might be a browser glitch, I refreshed the page, but the unauthorized inquiries didnt disappear. I am very frustrated and need this resolved immediately by carefully reviewing the documents Ive submitted to avoid further worries.
Product: Checking or savings account

On XX/XX/year>, I deposited a {$9300.00} check from XXXX  XXXX University at a Bank of America ATM. The bank placed a hold on the full amount until XX/XX/year>, citing that they have information indicating the check ( XXXX ) XXXX be returned. 

This hold is unjustified and contradicts Bank of Americas own Deposit Agreement, which states that state and local government checks must be made available by the next business day when deposited in the same jurisdiction. XXXX  XXXX University is a verified state institution, and there is no valid reason to suggest that the check will not be honored. 

I contacted Bank of America regarding this issue, and they failed to provide a specific reason or evidence that the check is at risk of being returned. Their explanation is vague and misleading, as their policy states that funds can not be held based on speculation alone. 

The hold has caused unnecessary financial inconvenience, as I deposited the check in good faith, expecting access to my funds within the standard time frame.
Product: Debt collection

THE COMPANY, CONVERGENT OUTSOURCING, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. Whereas I believe them to be a debt buyer, Convergent outsourcing, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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. 




Open Account : 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: Debt collection

I have attempted to contact Equifax credit dispute center several times in order to rectify the inaccurate information that is being reported on my credit. I have clarified in varies letters that the information reported is not my debt, yet no actions have been taken.
Product: Vehicle loan or lease

Hi CFPB Fraud department, I, XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX is writing this letter of complaint as a representative member and a victim of a fraudulent contract that PNC Bank , XXXX XXXX XXXX  to get my car title under the " guised '' of violating the Truth in Lending Act, and number of other banking violations. 

I wrote to PNC Bank about the deficiency in the loan agreement of the {$35000.00} and {$40.00}, XXXX that was borrowed from the U.S Treasury using my social security trust account number ( SSN ) and not giving me the " loan value '' in cash or credit notes for the car title, which was free and clear that they put a lien on as a " secured '' loan agreement. They haven't responded to all the claims I sent them in a letter recently, because they have not shown me where both parties XXXX XXXX and a PNC bank signed to make it a binding contract in " wet-ink '' to secure the money in an " even '' exchange. 

PNC Bank falsely stated I was going to receive the money and I haven't received the money in any bank account until this day, from XX/XX/2022 or from XX/XX/2022 And they closed all my bank associated with them, so I wouldn't received the money or have any transaction history " digitally '' showing they stole my money from their records. 

I would appreciate the great assistance of the CFPB department to resolve these issues because your intervention will set this matter right and cure the loan default and fraud in their contractual agreement. 


Thank you in advance for yout assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent a letter and legal documents to XXXX regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Equifax, XXXX, and XXXX for the last several months about inaccuracies and fraudulent information on my credit report. I have tried sending certified letters to the XXXX XXXX XXXX that are listed on their websites, I have tried disputing online and I have also tried calling them about these issues with little to no results. I have submitted a copy of my fraud report but Equifax in particular are not cooperating and is insisting that they have not received any of my complaints or documentation. According to the FCRA and FDCPA several of my rights have been violated. 1. section XXXX XXXX XXXX XXXX and 806 B of the FDCPA says that items that were already deleted have been re posted to my account without contacting me within 5 days. 2. Section 611 A1 is a violation in which the creditors did not report that this information was under dispute to the creditors reporting the debt. 3. section 604 A3 is a violation due to the inquiries that were placed on my account without my permission or knowledge. 4. Section 603 and section 605 indicate that the information being reported on my report must be 100 % accurate or it must be deleted. some of the accounts have been updated as closed but they have not been deleted which is a violation of my rights. The creditors in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have informed Equifax numerous times via online dispute, fax and certified mail that some accounts on my credit file are reporting as if I am or have previously disputed them in which is incorrect. The creditors stated that Equifax is responsible for updating their records in a timely manner after information is submitted to them. The only disputes that I have about the accounts is that they reflect as if they were or are in dispute. I have requested for the additional information to be deleted from the accounts from my credit file.
Product: Credit reporting

There is an account listed on my Experian report that is not mine. I contacted the company, XXXX XXXX XXXX, and they have no record of an account. I tried to dispute this with Experian and keep getting a message that they would not investigate this. I need your help.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. 
Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form 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