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

In  XXXX   2017 , I submitted a dispute with the  XXXX  credit reporting agenices that the information  XXXX   XXXX  is providing them regarding my account is inaccurate.  XXXX  of the  XXXX  reporting agencies investigated my request and  XXXX   XXXX  repsonded to their investigation claiming the information they submitted was accurate.     On  XXXX   XXXX ,2017, I sent a letter certified mail with a return receipt to  XXXX   XXXX   XXXX  requesting them to provide me account information on a foreclosed property that they serviced a loan on. I informed them I was directly disputing the information as I did not think the dates of last payment and the dates of foreclosure were accurate. As per the RESPA, I requested them to acknwlegde my request within 5 days and to provide me a response within 30 days. Additionally, during this time, per RESPA  XXXX    XXXX   should not be reporting any information regarding late payments to the credit reporting agencies. On  XXXX   XXXX ,  2017 ,  XXXX   XXXX  recieved my letter. On  XXXX   XXXX ,2017 I received a letter from  XXXX   XXXX   XXXX  dated  XXXX   XXXX , stating that they would not process my request for them to provide my account information becuase the letter that I submitted was not signed. The letter I submitted to  XXXX  was initialed by me. On  XXXX   XXXX ,  2017 , I faxed over a signed copy of the letter, and I also sent another letter via certified mail return receipt that was recieved by  XXXX  on  XXXX   XXXX .  XXXX   XXXX  did not respond to my account inquiry, however on  XXXX   XXXX , I was notified by Experian, a credit reporting agency that  XXXX    XXXX    responded to their investigation and advised them the information they were reporting was accurate.
Product: Debt collection

XXXX XXXX XXXX negotiated settlements with Creditors. XXXX XXXX XXXX appears to made payments late and bounced a check. Synchrony bank for my Mastercard and PayPal accounts took payments late then are calling stating agreements will not be honored. Even though Sychrony Bank eventually got every penny of the agreements they will not honor them Due to COVID19 I have no money I lost more then 50 % of my income. I can not pay all my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/17 I was reviewing my credit report and I found several HIPPA Act violations. I am requesting a investagation according to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims I am allowed to review any and all documents related. I need to review the following documents from these companies 1.XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX  XXXX # XXXX Please notify these companies to cease and desistFRCA 604 ( A ) ( 3 ) all contact and communications with me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a letter from CREDIT MANAGEMENT LP In attempt to collect a debt from XXXX behalf of XXXXXXXX XXXX XXXX XXXX XXXX XXXX. in which I responded asking for them to provide me with the 5 things that constitutes validating a debt, and even thats not validation but nonetheless an allegation unless I agree, pursuant to 15 U.S. Code 1692g - Validation of debt ; I continued to respond by Denying all allegations and to cease all contact with me. CREDIT MANAGEMENT LP. contacted me on several Occasions after telling to cease all contact with me, in which was all on a recorded line, A debt collector for the company CREDIT MANAGEMENT LP by the name of XXXX admitted to fraud by telling me that 1. this was an attempt to collect a debt and 2. that she received my information from someone who I did NOT give permission to give my information to anybody which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. I proceeded to ask XXXX if there was a senior executive that I could speak with but I was told that I was speaking with the only person who could help me and that she's not aware of these federal laws stated and that if this alleged debt wasn't paid then an attorney would get involved which resulted in a negative furnished to my consumer credit file and fines ; which is a violation pursuant to 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. CREDIT MANAGEMENT LP contacted me again at very inconvenient times that I explained to them I was headed to a funeral, which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection " ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector. a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. Pursuant to 15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of such additional damages but not exceeding {$1000.00} per violation. I, XXXX XXXX Natural Person, Consumer And Original Creditor ; I demand that you remove this from my consumer report within 30 days.
Product: Credit reporting or other personal consumer reports

I HAVE TRIED FOR YEARS TO HAVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM NOT SURE HOW XXXX XXXX GOT A HOLD OF MY PERSONAL INFORMATION BUT THE ACCOUNTS ARE NOT MINE, I NEVER PERSONALLY SIGNED ANY CONTRACTS WITH XXXX OR ANY OF THEIR AFFILIATES TO GET HTESE 2 LOANS, I HAVE REACHED OUT TO THE FAIR TRADE COMMISSION, I HAVE REACHED OUT THE BUREAUS. FOR YEARS I HAVE NOT GOTTEN A RESOLUTION. AGAIN THESE ACCOUNTS WERE NEVER OPENED BY ME, I HAVE MADE IT VERY CLEAR TO XXXX REPRESENTATIVES THAT THESE ACCOUNTS ARE NOT MINE, BUT THEY SEEM TO BE VERY CARELESS IN UNDERSTANDING THE FACT THAT I AM A VICTIM AND I NEVER OPENED THESE ACCOUNTS, ANY PAYMENTS MADE ON ANY OF THESE ACCOUNTS CAME FROM BANK ACCOUNTS THAT I NOT MINE, WHY IS XXXX PENALIZING ME JUST BECAUSE THEY DIDN'T DO A GOOD JOB IN OBTAINING ACCURATE INFORMATION. I EVEN WENT TO SMALL CLAIMS COURT AND STILL NOTHING.
Product: Debt collection

I have started to receive letters from A law firm stating that I owe a balance with Santander Consumer through a third party for a debt from 2014. Santander has falsified information to approve me for an auto loan that I will later default on. In which state was found guilty in a multi-state settlement with the Louisiana Attorney General 's office. I've ask them to remove this from my credit report multiple times for their unlawful practices. When contacting Santander Consumer representative will hang up the phone on me or not get back with me with a response
Product: Checking or savings account

On XX/XX/XXXX, I bought a used XXXX XXXX XXXX machine for {$1800.00} on XXXX. The buyer offered the machine in excellent condition. When I received it, I spent a few months to complete the necessary equipment to start this machine. When I started it, it turned out that there is a mechanical problem and this machine could not be run by a computer. I bought three computers and cables, tested them and could not do anything. When I contacted the XXXX branch in Texas, they told me that this machine is old, components are no longer manufactured and it is not possible to repair it. 

This seller promised me a refund if this machine will be not working. I made the return of this machine on XXXX, he had money blocked, he asked me to unblock the account, and if machine will be not work, he will give me back the money. I helped him, his XXXX account was unblocked. When I wrote to him that I have no chance to repair this machine, he ignored my messages. 

I demanded from the seller to pay for the shipment of this machine from his house to me and forward for the return. I do not believe him and I can not risk any further losses. This machine takes up a lot of space and I want to get rid of it. 

Because of his lies and deception, I lost several times as much as I paid him. 

I asked the bank for help. I sent evidence of lies and deception. The bank gave me back {$1800.00}, but in a few days he took all the money back and gave it to the cheater. 

This is not the first time. When I set up an account with them many years ago, they did the same. They believed the crook, and I lost {$550.00}, even I had evidence of fraud on paper. They demanded telephone calls from me, because it is company condition. I asked them that my XXXX was weak and that the documents should be enough. Lady from Chase bank customer service spoke with me, but they believed the liar. XXXX the good XXXX spiking person.
Product: Credit reporting

In XX/XX/XXXX I was the victim of identify thief. Upon pulling my credit report and discovering all list of unauthorized inquires and accounts, I immediately contacted the credit reporting agent to place a freeze on my credit file. On XX/XX/XXXX I sent the reporting agency a certified copy of the identify thief police report, a copy of ID, social security card and a list of the fraudulent items in question. Despite my efforts, the credit reporting agency continues to send letters stating that I must contact each company individually. As a consumer faced with restoring my life after identify thief this is a very disheartening situation. Experian continues to violate my rights under the Fair Credit Reporting Act, by reporting information on my credit report that are fraudulent, inaccurate and not authorized. Due to their reporting negligence, this is ruining my life!
Product: Credit card

Since XXXX they changed their system to only accept checking ach payments. When I have always paid with debit card and it processed immediately. Ive had the card for three years. The checking ach payment takes 5-7 days to process and I told them too many outgoing payments will make it so by that time i wont have it. This is some kind of XXXX wireless fraud they are pulling, fees amd late charges plus damaging my credit reports. They do not help during any hardship. I want them to remove all negative items off my credit report. And any refunds you may feel I am owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do not mark as a duplicate. This complaint is intended directly to XXXX. Your actions has caused me and my family mental anguish and your actions has stolen my identity, violated my consumer rights by rights to privacy and the obligation you have to maintain the security and confidentiality of my private information. Your actions are equivalent to AGGRAVATED IDENTITY THEFT. You have failed to comply and knowingly furnished these inquiries without my consent, nor permissible purpose.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Checking or savings account

I received a number of charges from XXXX parks and entertainment for the amounts of XXXX a total of 5 transactions as well as XXXX for XXXX and XXXX and XXXX. I reached out to XXXX and they advised they didnt have anything current for my account so of course I disputed I was advised by a representative that after 10 business days I would receive a provisional credit.After the 10 business days I didnt get a credit I was advised by a representative that my credit was denied because 2 out of 7 didnt qualify and that I would have to wait for 30 business days ( filed dispute on XX/XX/23 ) today was the 31st day with the holiday in consideration I called again today and was told that I would have to wait an additional 30 days.Also after being issued a new debit card another transaction from XXXX XXXX and I was told I had to inform that that I had to verbally tell them to block the merchant and that I would have to request a new card! Im a single parent and in these times I can not afford this and its also delaying me to pay my rent please help! I also requested to speak with a supervisor I was told I could not and I was only provided a name of XXXX and a reference number XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Complaint Letter To Whom It may concern XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to file a complaint against ( XXXX, Equifax and XXXX ) I have spoken to an abundance of XXXX, XXXX, and Equifax representatives and supervisors over the phone over the past two years, and I have tried to resolve this issue, enclosed is documentation on CFPB website regarding various complaints regarding my dealings with these three companies XXXX, XXXX, and Equifax. These three credit bureaus XXXX, XXXX, and Equifax have violated my rights as a consumer and refused to delete the accounts above due to 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 ) X5 ) 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. 16815-2 ( 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. 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 ) X5 ) 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. 16815-2 ( 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. These companies below have violated my consumer rights above : Respectfully, XXXX XXXX XXXX Natural Person ; XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against Experian for Failing to Correct Inaccurate Late Payment Reporting on Account XXXX XXXX Dear CFPB, I am filing this complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account identified as XXXX XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information contained in consumer files. Despite providing clear evidence of inaccuracies in my payment history, Experian has failed to fulfill this legal obligation. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : Under the Truth in Lending Act, creditors are required to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and financial standing.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. The failure to ensure accurate reporting violates this protection and continues to damage my ability to access credit fairly. 
Evidence of Error : Experian Account Number : XXXX High Balance : {$420.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$380.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Last Payment : XX/XX/XXXX Credit Limit : {$3500.00} Two-Year Payment History : XXXX late payment noted in XX/XX/XXXX. 
Impact : The discrepancies in late payment reporting across the credit bureaus have directly harmed my creditworthiness and financial reputation. The inconsistent reporting of 30-day late payments violates my federally protected consumer rights.

Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation from Experian confirming the correction. 
Failure to resolve this issue promptly will result in further escalation, including legal action and filing additional complaints with relevant regulatory agencies. 
I trust that the CFPB will assist in ensuring compliance with federal laws and protecting my consumer rights. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} - TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion 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

My Father passed away in late XX/XX/2021. I notified XXXX and asked for them to transfer his line to my personal bill in early XXXX. XXXX kept attempting to bill my father even though it was acknowledged two times via chat w/ XXXX that his line is billed to my personal bill. 

1 ) You can't get a human on the phone at XXXX as the wait times are over 30 minutes 2 ) They now turned the account over to a collection Agency called DCM 3 ) DCM told me that don't have the authority and it would take another month to research after I asked them to validate the balance
Product: Debt collection

I have contacted this collection agency several times, requesting the exact store, or whom ever that stated that I had this outstanding balance, trying to find out exactly where this fraudulent account was opened. I have requested a final bill and address to which this account was open from the collection. Agency itself stated that they did not know the exact company that this account was open through that the only thing that they can see that the account was opened back in XXXX and XXXX they initially told me that it was for a unpaid auto loan. I never had an unpaid auto loan in my life. They told me that they were going to send me out of packet. I never received it no information about this account at all.