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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$9400.00} ; XXXX XXXXXXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting several accounts inaccurately on my credit report. The accounts are XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have reached out to XXXX XXXX  directly and to XXXX, XXXX, and TransUnion and each of them has verified the accounts are reporting correctly. However, each bureau is reporting the accounts differently. This is a violation that they have repeated, over 6 months consecutively. 

I have attached my 3-in-1 credit report to show that the date of first delinquency and date last active are different on every report, which has a direct impact on when these accounts fall off. There are also multiple areas in other areas.
Product: Credit reporting or other personal consumer reports

It has come to my attention that negative items are not being removed, even when submitted with an FTC report. As mandated by law 605b of the FCRA. Should you fail to remove the items listed below, which are inaccurately reported due to identity theft, I will forward my documents to my attorney to initiate legal proceedings. It is my preference to avoid legal action, so please comply with the law. Kindly remove the following items, as they are fraudulent and were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  made this account under  XXXX XXXX credit report shows on here fraud account XXXX  never sign for this false address  XXXX XXXX XXXX XXXX  XXXX mi XXXX false address XXXX not live there 20 years now.
Product: Debt collection

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX had violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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: Vehicle loan or lease

I am requesting assistance and intervention to resolve what I consider illegal business practice involving a recent vehicle lease. Evaluation of documentation might help reveal any one or more of the following possible violations of consumer law. Misrepresentation, Fraud, Unethical / Deceptive Business Practice, Concealment and at least, obvious violation of Truth-in-Lending Laws.

XXXX XXXX XXXX ( World Omni ) approved numbers for an auto lease where a payment obligation exceeds total monthly income. Did XXXX  hide the source of a conjured {$4000.00} from the main lender presenting it as cash to contract to offset customer low income level in order to get loan approval?

If the financing had been disclosed openly and in a legal manner I would have refused the deal and walked away. XXXX XXXX   knew this and proceeded in their best interest to hide the true terms of the contract agreement. At an initial point in the contact process I made full disclosure of my income being limited to SSI of {$490.00} per month and inability to come up with any down payment. I reside in a XXXX   county Section-8 rent subsidized unit.

The monthly obligation was shown as {$380.00} paid to XXXX XXXX XXXX ( Acct : XXXX ) only. As required I have made the required payments of {$380.00} to XXXX XXXX XXXX. Until, after months had passed, a billing from a XXXX XXXX started showing up asking payment of {$40.00} per month which quickly increased to {$110.00} on a balance of {$4000.00} the exact figure shown as the down.

This sleight of hand salesmanship now presents a monthly obligation of {$380.00} plus {$110.00}, a total of {$500.00} payable from my {$490.00} monthly SSI benefit. All documents as referred to herein and the entire " brief '' are available for review. These would have to be sent regular mail only as the cost of scan to file and emailing is cost prohibitive.

Attached is full description of the circumstance.
Product: Consumer Loan

Dear Sir or Madam, we are contacting you because we want to file a complaint with M & T bank out of XXXX, NY. M & T financed our XXXX XXXX, year 2013. The deal was lousy, a 15 year loan and that would be fraud. M & T took advantage of my sick and XXXX husband ( XXXX years old ). He is in poor health, has a terminal illness, XXXX besides other ailments. Please give him a call at your earliest convenience at XXXX. 
If we have to, we would be more then willing to also contact our local news station. Please advise us how we should proceed. We also have numerous other financial problems that would take to long to email. We appreciate you calling us back. My husband is housebound, he is always at home. 
Thank you A concerned wife our email : XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : BK OF AMER XXXX  Date Opened : XX/XX/2011 Balance : {$11000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX  is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I opted out from having my non public information being reported to third parties. 
They are still reporting on my consumer report. 
The attached letter was sent to XXXX XXXX XXXX XXXX certified mail
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXXE XXXX SENT A LETTER TO ME AND XXXX   DEMANDIN G THEY REMOVE ALL XXXX XXXX XXXX XXXX AND XXXX XXXX TRADELINES FROM MY CREDIT REPORT. 

XXXX XXXXXXXX XXXX XXXX NO.XXXX6 XXXX NO.XXXX & XXXX NO.XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I applied online for a line of credit. Chase Card Services immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.
Product: Debt collection

Dear Creditor XXXX XXXX XXXX XXXX, I cancelled your 30 Day trial offer within 12 days and contacted you via phone and confirmed this with you. You mentioned the cost I owed to you in the amount of {$85.00} if the router was not returned back to you. We showed you proof of receipt that the router was returned with a new balance of {$0.00} but yet you insisted on selling this debt to the debt collector, Waypoint Resource Group. Because of this, you have made my credit score drop XXXX points leaving a XXXX XXXX against me. I did not deserve this and I do not appreciate this at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX  # XXXX, has violate my rights XXXX  XXXX XXXX XXXX, has violate my rights XXXX XXXX XXXX XXXX, has violate my rights US DEPT OF EDUCATION # XXXX, has violate my rights DEPT OF ED/XXXX  # XXXX, has violate my rights DEPT OF ED/XXXX  # XXXX, has violate my rights DEPT OF ED/XXXX XXXX XXXX, has violate my rights 15 U.S.C 1681 section 602 A. States I have 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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedate 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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX TransUnion RE : Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE XXXX Dear TransUnion, The other credit bureau was not able to verify these accounts and was required to remove these accounts. How is that youre able to verify these account and youll have access to the same information. DELETE IMMEDIATELY!! 

I am continually being called on the telephone by different firms for these alleged debts. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXXXXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 
If this issue is not resolved soon and account deleted I will be forced to sue this company for reporting false and inaccurate information. I look forward to a speedy resolution of this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I have requested validation { not verification } of a medical debt reported to you by XXXX XXXX XXXX XXXX on XX/XX/XXXX. I received a response that clearly violates my rights according to HIPPA on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX, or the original creditor XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to the debt collection agency, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Additionally, this debt was paid by FL XXXX. I have attached my benefits approval letter and XXXX ID card to prove my case was opened in FL. 

I reached out to Equifax, XXXX and XXXX to let them know this debt is in violation of HIPPA but Equifax Or XXXX didnt delete it form my report, while XXXX did delete it..
Product: Vehicle loan or lease

The Fair Credit Reporting Act ( FCRA ) this document explains the rules and laws that the credit bureaus and creditors/banks must abide by.

Link : https : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf  ( page 78 ) FCRA Section 623 ( a ) ( 3 ) ( this law is for creditors/banks ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
ANY TIME contact is made to any an entity questioning a line item that they placed on your credit report, they are required to contact the credit bureaus on your behalf, and make sure they add a sentence to your credit report WITHIN 30 CALENDAR DAYS that says you have disputed the negative item in question. 

I have a copy of my credit report on the day Wells Fargo DRS signed for my letter, and another copy of my credit report exactly 31 days later. 

I have proof that they didnt follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX This account does not belong to me. 

+ Associate XXXX XXXX | XXXX This account does not belong to me. 

+ Associate XXXX  XXXX IL XXXX | XXXX This account does not belong to me. 

+ Associate US DEPARTMENT OF EDU | XXXX This account does not belong to me. 

+ Associate US DEPT. OF EDUCATIO | XXXX This account does not belong to me. 

+ Associate NEGATIVE INFORMATION > XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX | XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX | XXXX This collection does not belong to me. 

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

Account name XXXXXXXX XXXX account # XXXX has violated my right This been paid in full and put XXXX late payments on my credit report. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Credit card

I asked for a record of the number of calls I had made to Syncrony bank over the phone and they had no record of any calls other than from earlier today.

Syncrony let me know that I should have been receiving emails or letters in the mail each time fraud was reported and I did not receive the communication at all.

There were times where I asked for a new card in the mail and no card was sent. I also no longer have access to XXXX because I believe they reported fraud for purchases I made. 

I called again and asked for the bank to list the times I called and they had no record of it. I estimate that I called to communicate this with them 10-20 times and the issue keeps happening.

Update : after escalating the situation and calling again they gave me some of the dates that fraud was reported by me. They said Based on what I can see here we have 5 separate fraud accounts. I believe it is much more than this amount of times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX For example, I called today twice on XX/XX/XXXX and they let me know that they were giving me a new card in the mail. I let them know that last week I called and a new card was supposed to be on the way already. The did not appear to have record of the call made just last week.

When I asked specifically about the report I made one week prior, they made me aware that they made an error when calling last week and reported fraud to the wrong account. I believe this is why I am sometimes not even getting a new card in the mail.

I do not want to continue banking with Venmo but I still have a balence on my credit account. I believe that there are many errors and miscommunications on Venmo/Syncrony banks account. So many errors that it would be impossible for me to keep up with all of the errors made over the past year.

Even within the last call they said there was one fraud claim and then they looked into it and said there were 5 fraud claims. Within these fraud claims they didnt include any of the claims made from this month or last month at all.

I do not believe that they are taking these claims seriously
Product: Credit reporting or other personal consumer reports

Experian is incorrectly reporting my student loan totals, despite multiple disputes. The information was corrected briefly after I filed my first CFPB complaint on XX/XX/XXXX ( complaint XXXX ), which led to me withdrawing the complaint. Today, XX/XX/XXXX, I received a notification that my report had been corrected and it is now, again, showing incorrect amounts. 

I have documentation from XXXX that shows that I have two loans currently reported as of XX/XX/XXXX. One loan has a balance of {$55000.00} and a second loan has a balance of {$13000.00}. Yet Experian is reporting one loan for {$13000.00} and one loan for {$68000.00} ( an amount that was last reported in XX/XX/XXXX ). 

I have filed disputes on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. The dispute filed on XX/XX/XXXX led to a correction of the information temporarily ( dispute number XXXX ), however as of today, XX/XX/XXXX, they are once again reporting this account 's balance as {$68000.00} instead of {$55000.00}. 

Because of this repeated error, my total loan balance is being shown as {$81000.00} with a total payment responsibility of XXXX XXXX monthly. My total loan balance is actually {$68000.00} with a total monthly payment of {$820.00}.
Product: Credit card or prepaid card

Some stole XXXX $ from card some how I dont how and wisely denied me twice