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

SECCTION 15 USC 602 ( A ) I HAVE THE RIGHT TO MY PRIVACY 15 USC 602 ( SECTION2 ) IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. ON XX/XX/year> I TALK TO THE FLOOR MANAGER ABOUT VIOLATIONS ON MY REPORT I PAID FOR A MONTH MEMBER SHIP FOR XXXX FOR THE FIRST MONTH EQUIFAX HAVE THE SCORES ON MY REPORT BLOCK FOR 2 WEEKS BECAUSE OF FAILURE OF MISSING INFORMATION ON MY REPORT THE CONSUMER LAW STATES UNDER USC 1681-1681X FAIR CREDIT REPORTING AND NEED TO BE ACCURATE AND COMPLETE SECTION 15 USC 602 ( A ) THIS FLOOR SUPERVISOR CANCEL MY EQUIFAX MEMBERSHIP WITHOUT MY CONSENT UNDER THE LAW FSC CODE 1681A-DEFINITIONS RULES OF CONSTRUCTION IS A VIOLATION. HE DID IT ON HIS OWN AND THATS 'S A VIOLATION UNDER THE CONSUMER LAWS I UPLOADED PROOF OF HIM CANCELING MY MEMBERSHIP THAT SHLOULD ME A AUTOMATICALLY REWARDED {$1000.00} FOR THE VIOLATIONS OF MY CONSUMER LAW RIGHTS AND ALSO MY CREDIT SCORES HAVEN'T BEEN SHOW IN THE LAST TWO WEEKS I ASK EQUIFAX TO FIX IT THEY REFUSE TO MY REPORT IS MISSING AMOUNT OF DEBT, LENGTH OF CREDIT HISTORY, AND AMOUNT OF NEW CREDIT MISSING INFORMATION ON A CREDIT REPORT IS A VIOLATION I ALSO ASK EQUIFAX TO REMOVE TO HARD EQUIRES ON MY CREDIT REPORT AND IT BEEN OVER 40 DAYS I ASK THEM TO REMOVE THEM 2 HARD INQUIRES OF XXXX XXXX XXXX DATES XX/XX/year> & XX/XX/year>. I SENT PROOF OF MY CREDIT SCORES NOT SHOWING AND PROOF OF THE MISSING INFORMATION ON MY REPORT AND PROOF ON THE UPDATE CREDIT REPORT THAT THE HARD INQUIRES IS STILL ON MY CREDIT REPORT I ALSO GOT PROOF I SENT THEM TO FIX MY CREDIT REPORT ACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not delete these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter regarding my credit report held by Experian. On XX/XX/XXXX, I contacted Experian regarding the following inaccuracies on my credit report, and as of this date, I have not received any response or resolution. I am seeking your assistance in addressing these discrepancies : The following account is not mine : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$720.00} Requested Action : Please remove it from my credit report. 


The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1300.00} Requested Action : Please remove it from my credit report. 


The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$660.00} Requested Action : Please remove it from my credit report. 


The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Requested Action : Please remove it from my credit report.
Product: Debt collection

I starting receiving multiple calls a day approximately 2 months ago from a collector who refused to identify themselves. In early XXXX, the man who called again refused to identify himself and ended the call stating he'd send me a letter. Approximately XX/XX/18 I received a letter from B.C. Services of XXXX, CO. regarding a medical bill. I was finally able to connect live with XXXX on XX/XX/2018 at approximately XXXX XXXX. XXXX with in the first couple words spoken became very abusive although I was calling to set up payment arrangement on my account. He was attempting to collect information on a previous family member to which I responded that I had nothing to do with that individual and I strictly was calling in efforts to resolve to my account. He kept demanding that I give him the information and told him he'd be serving me a law suit. I again reiterated I was calling in regards to my account and wanted to make payment arrangements. He said he would not set up payment arrangements and disconnected the line. I called back and he answered again. I told him I wanted the fax number to the office he refused and asked what I wanted to the number for. I told him he was obligated by law to provide the information to me and demanded it again. He then stated I could speak to a supervisor and transferred my call. at XXXX XXXX I spoke with XXXX XXXX ( female ) and explained that I was well aware of my rights, that XXXX had engaged in illegal abusive debt practices and I would not tolerate it whatsoever. She was kind, indicated she'd listen to the call, and speak with him. She also set up a payment arrangement on the account. I feel this needs to be addressed with this company as this in not the first time in my life dealing with them, and each time they behave in the same manner.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX **** Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$90.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX 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: Debt collection

Yes, I have sent and called a series of times as my mother was not on my lease. XXXX agency refuses to send me documentation of support the reason I owe the amount. 

The management at apartment complex will not respond to phone calls and refuses to supply lease information. 

I was not evicted, I was asked to leave by XXXX due to my XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been contacted several times by phone by XXXX XXXX to collect a debt that is NOT MINE. This person who owes has the same name, but not date of birth or social security number. I have already confirmed with XXXX person I spoke with and they verified through my DOB and SSN that I am not the person they are looking for and they informed me that they would take my name off the list and not call again. HOWEVER, THEY KEEP CALLING DESPITE THE FACT THEY HAVE VERFIED THE DEBT IS NOT MINE AND SAID THEY WOULD STOP CONTACTING ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Credit reporting or other personal consumer reports

This is not my account, I did not authorize it and XXXX says they certify its mine after Mosaic closed it and sent confirmation it was closed.
Product: Credit reporting or other personal consumer reports

I have been going back and forth with the credit monitoring companies trying to get them to make XXXXXXXX XXXX XXXXXXXX correctly report my current payment status on my account. XXXX refuses to provide Experian with the correct data. And Experian is settling for XXXX 's response that they are correct. I have provided Experian with documents that prove my mortgage loan was EXCLUDED from the XXXX  XXXX and proof that I am still making monthly payments and still receiving statements. If this loan was discharged in XXXX XXXX, someone should be able to explain to me why XXXX and Experian refuse to correctly show my payments on my credit report. This has negatively impacted my credit report and has caused me to be denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report several bankruptcy filings on my cresit report from XX/XX/XXXX-XX/XX/XXXX that do not belong to me. I was advised by the Court that they did not provide this inaccurate information ans the CRA has refused to provide documentation that meets FCRA requirements as it relates to the inaccurate information they have been reporting provided from a secondary source who is furnish inaccurate and incomplete information mainly XXXX according to the CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there was a hard inquiry on my credit report from XX/XX/XXXX. I looked it up and it is from Paypal Credit. I have never tried to open a card with them. I called them and they did an investigation and said I needed to go through XXXX/the 3 major credit agencies. I did just that and XXXX  said " The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So then it said to contact the originating agency, which I have done previously. I looked at the report as well, they didn't address the XX/XX/XXXX issue and instead there was another hard inquiry from Paypal Credit from XX/XX/XXXX which I never had as well. I really would like help with this, I have never ever applied for a card from them. I contacted Paypal and XXXX  and neither one was able to resolve this.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Complaint Regarding accurate information missing from my Credit Report " To Whom this may concern, I am writing to formally dispute inaccuracies related to my credit report that involve First Progress Card. According to Section 609 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to a clear and accurate disclosure of all information in my consumer file. I believe that XXXX XXXX XXXX has failed to comply with their obligations under the FCRA, specifically Section 1681s-2, by not reporting accurate and complete information to the credit reporting agencies ( CRAs ). 

I have attached screenshots that demonstrate XXXX XXXX XXXX 's involvement in my credit history. Additionally, I have included screenshots showing that Experian claims to have verified and updated my credit report ; however, this information is not reflected in my current credit report. This indicates a failure to uphold the accuracy and integrity of the information provided, in violation of the FCRA. 

Under the FCRA, furnishers are required to investigate disputes and correct any inaccuracies. I request that you investigate this matter promptly and provide me with a written response regarding the findings of your investigation. 

Please find attached the relevant screenshots for your review. I appreciate your immediate attention to this matter, and I look forward to resolving these inaccuracies on my credit report. 

Thank you for your cooperation. 

Sincerely,
Product: Payday loan, title loan, personal loan, or advance loan

I paid my loan off on XX/XX/year> a whole week ago. Ive sent numerous emails and support chats to Lenme and have gotten 1 response. Their customer support team is non-existent. It takes 3-4 days to get a reply and they do not have a phone number you can call. 

My lenme app still says my bill has not been paid. Its been a whole week. I am now receiving notifications that my bill will go to collections if I do not pay. 

Ive requested numerous times for support to mark my bill as paid and I simply do not get a response. 

Ive sent lenme support proof : my bank statement as well as their App not updating my balance and its been days with no reply. 

Ive never dealt with such a XXXX XXXX app let alone the worst customer support Ive ever experienced. 

This is for my account with email of : XXXX through lenme
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX to remove PNC Bank inquiry from my credit report. 

The inquiry was made on XXXX2020. This was not made by me. XXXX customer service failed to take action. I also called PNC Bank to get it removed and they did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$6000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

An account was opened without my permission And despite my effort to have the account removed from my name, and from my credit history, I was unsuccessful. I requested Authorization documentation from When the account was opened with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries 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 inquiries : XXXX OF XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXXXXXX AUTO FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N J XXXX   XXXX  CC # XXXX  XXXX XXXX has sued me for a credit card debt that they bought from XXXX XXXX XXXX  which they can not validate. The last time I had contact with XXXX XXXX XXXX was XX/XX/2011 when I disputed several charges on my credit card that I received from them. I have not used the card since then yet now they say I know them almost {$2000.00}. The time limitation on the suit exceeds the statute of limitations for New Jersey. XXXX XXXX has never proved the alleged debt and they have not responded with regard to the disputed charges. They refused to provide proof of the charges of any credit charges.

XXXX XXXX
Product: Credit card or prepaid card

Chime XXXX  Card has not consistently reported to all 3 credit bureaus as advertised each month. They infrequently report the card using from 1month then go 3 months without reporting.
Product: Credit card or prepaid card

On XX/XX/2021, I applied online and was approved for Barclays ' XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX I applied for the card because I found their sign-on advertisement attractive, I would get 50,000 Miles & More miles after spending $ 3k the first 90 days and paying the annual fee. Although I fulfilled both these requirements, I did not get the bonus miles. I contacted Barclays ' customer support on XX/XX/XXXX to inquire about the status of the reward. The customer support team was able to confirm I completed all the requirements and it should take a couple of days to see the miles. I wrote to their support on XX/XX/XXXX as well and received an answer they will investigate. I received a reference ID : XXXX. I wrote to them again on XX/XX/XXXX since nothing was changed. I heard back the same answer again, that it will be investigated. I had already wanted to use the miles at this point. I reached out another time on XX/XX/XXXX and heard back the same, automated answer. Today on XX/XX/XXXX, I called again and was told by customer service representative XXXX, again, that I completed my requirements and I should get the miles. She asked me to wait another 7 to 10 days. 

Their terms of service state : " Please allow 4-6 weeks for bonus award miles to be deposited into your Miles & More account after the qualifying purchase ( s ) have posted to your Account and your annual fee has been paid in full. '' I've been waiting since fulfilling my commitments in XXXX. How long must I wait for Barclays to fulfill their promise? I've already wanted to use the miles, which I could not do, not because of any fault from my end. At this point, I feel defrauded. This was a false advertisement. I made sure to spend $ 3k in the time so I can earn the miles and benefit from them. I would have made purchases with my other cards otherwise and enjoy their benefits. 

Violating their own terms of service should be illegal. I hope you may be able to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I pulled my credit report that you maintain on my file; you are reporting a social security number, XXXX. This is not my social security number Please remove this information from my account you are causing me harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Transunion repsonded to a compliant that, the following actions were taken on my credit file that XXXX XXXX Updated, XXXX XXXX Updated, XXXX XXXX XXXXXXXX Updated, and XXXX XXXX XXXXXXXX XXXX Updated . According to 15 USC 1681 I ( 5 ) everything has to be complete and accurate, also under 15 USC 1681a and 15 USC 1681 ( 3 ) ( E ) Definition : rules of construction, the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's report, general reputation persnal characteristics, or mode of living is obtained through personal information with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from the consumer. 
Futhermore I would like to know who did they talk to? 
How did they complete the investigation? 
They have also violated my rights numerous times under 15 USC 1681 According to 15 USC 1681 Section 602 A, States I have the right to privacy According to 15USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to 15USC 1681 ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

Experian credit reports include debt collection that does not belong to me. And refuse to remove unwarranted collections from my name. In my " credit overview '' it breaks the score into XXXX aspects. Payment history 35 %, amount of debt 30 %, amount of new credit 10 %, length of credit history 15 %, credit mix My report says all XXXX aspects are either good or fair. And the fact that the ALGORITHM used to determine this " score '' is not CONSUMER ENTITLED INFORMATION to review for imparities IS UNFAIR TO CONSUMERS.